BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
have private student loans that hav been steered into forbearance plans that just make the balance go up and don't really help. I rely heavily on my sphere of influence because I do real estate and my client whose also a family whom I sold a home to have gotten calls from navient about me without my consent, resulting in lost business. No refferals and or testimonials either from that client. I think the negative light that I was put in by navient has been a direct result of this. I've also experienced harassing phone calls for the better part of 5 years over 20 calls a week. This resulted in for performance and when the phone call stopped I can see a clear change in my income. I've had calls on the record before XXXX disrupting my work flow. I've been threatened regarding my assets and with lawsuits. They also disabled my online account so that I couldn't pay without calling them and I had to miss work from that as well I have emails and records of that also. 

I have around {$30000.00} of private student loans with navient and they have only grown with the stress of these scare tactics and payment plans that are misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Approximately on XX/XX/XXXX or XXXX of 2020 I submitted a credit increase request via the automated phone service with Capital One because the Customer Service Representatives can not do this over the phone. I am working to increase my credit availability and credit score in preparation to purchase a home so this is not an outrageous request, especially since my payment history with them has been impeccable over the past few years on both accounts that I have with them. 

I received a denial letter of the increase request, the reason given was because there were too many recent inquiries on my credit report. So, I wrote a letter to explain that the credit inquiries were because I recently purchased a new vehicle and the dealership was not aware that I was planning to use XXXX XXXX XXXX XXXX to purchase a vehicle and they ran my credit searching for a lender, hence the reason for the inquiries. There have been no others and I have not been approved for any other credit recently other than the vehicle, which I have been approved by XXXX XXXX XXXX XXXX. 

However, I wrote to explain this so I can still be considered for a credit line increase, again to better my credit, but I receive a letter back telling me that they are unable to fulfill the request through written correspondence and the letter proceeds to tell me to call the XXXX number. 

This information is sending me in circles and I am not going to run down rabbit holes trying to get this request honored. What ever happened to quality customer service? The Customer Service Representatives that I do speak to can't help me with my request and the automated service denies it without being able to comprehend an explanation and then it can't be acknowledged and addressed via written correspondence. What the XXXX? I am so disappointed. I never thought that I would get this kind of run around and terrible customer service from Capital One of all companies. 

I do not want to close my accounts with them or pay off the entire balance and stop using the cards but if this is the kind of customer service I am going to get I will have no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have visited multiple car lots and I only authorized them to run my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I initially notified the consumer reporting agencies ( Experian, XXXX, and XXXX ) XX/XX/2023 to reinvestigate an account on my consumer file. The reinvestigation resulted in the agencies updated the account information and without providing proof or verification of the alleged debt. I sent out multiple letters asking for validation of the debt, and proof of disclosures that granted the debt collector to report on my consumer report. This was all done without my consent or authorization. The consumer reporting agencies continue to allow the debt collector XXXX XXXX XXXX XXXX ) to report missing/late payments on my account and report all derogatory remarks on my consumer file. I have also reached out directly to the debt collector requesting for them to cease reporting on my consumer report. This is defamation of my character and reputation. The consumer reporting agencies used information solely from the debt collector to verify the debt and did not consider any of my information into the dispute result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX  is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, 30 day late payments violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments. They have violated my consumer rights. I demand a reinvestigation of the account in question and modify and update correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The creditor is not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. And according to15 USC 1666 creditor has violated my consumer rights. 15 USC 1692C

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I pulled my Experian credit report and notice a lot of wrong information from my name to my addresses on XX/XX/23 I sent a dispute letter to Experian to update the information. They update some and left others such as ( wrong name and address ). On XX/XX/23, I sent a second round of dispute asking for my personal information ( addresses, name and employer ) Experian only update the employer and left the rest. On XX/XX/23 I sent a third letter to update my address and name. On XX/XX/23 Experian sent me an email with the results stating name was update. I pulled my credit report yet again and no name or address has been update. I can not keep sending them letters because now it is costing me too much and is a direct violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collection company : XXXX XXXX on behalf of Check n Go I have been receiving multiple texts and phone calls/voicemails regarding someone elses debt. At first I thought it was a scam because I am current on all my debts and have never used check n go ( which they claimed to be collecting on behalf of ). The text messages and voicemails threaten tax levies, garnishment of wages, etc I finally called them back and found that they were calling/texting regarding a debt they KNEW was NOT MINE. I believe this is a violation of their right to ONLY contact me ONCE. I also feel that their scare tactics of trying to make me believe that I was the one in danger of tax levy and garnishment rises to the level of harassment under the law. 

The collection agency is XXXX on behalf of Check-n-Go. 

I have deleted multiple texts and voice mails regarding this, as well as blocking numbers, but I still have records of the following contact attempts : XX/XX/XXXX voice mail stating they have been retained by check n go to file for judgment XX/XX/XXXX text message received stating garnishment and tax levy XX/XX/XXXX voice mail stating they are filing for garnishment and tax levy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Nelnet, Inc.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Nelnet student loan servicer started charging me for my loans on XX/XX/XXXX, before President Joe Biden 's first pause was set to expire in XXXX of XXXX. This is causing my account to be past due and they are charging me interest and fees. When I asked why they were charging me before the federal pause mandate was over, they did not have an answer. Furthermore, they said the only way that my account could be made current without paying the full amount due, which is now at {$1700.00} was to consolidate my loans and roll the past due amount into a new loan. They keep calling for payment, and provide no answers or other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a collection on my report on XX/XX/2023. I call to verify but they could tell me anything even though it's suppose to be me. So apparently they have me mixed XXXX with someone else or someone is using my name for medical purposes. They also show I had made payments on my credit that's not me. I have my full name driver license to prove it's not me. Experience claims that it's correct. But I contact the debt collector spoke to a XXXX and he could give me any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEBT IS NOT MINE. IM A VICTIM OF IDENTITY THEFT. COMPANY IS AWARE OF THIS MATTER, BUT CONTINUE TO REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was charged a collections fee of {$650.00} from Conserve from the XXXX XXXX XXXX XXXX These charges they explained were from housing charges even though I never attended the university. I planned to attend the university all the way back in XXXX  but after they took away my scholarship for no reason, I decided not to attend because I could not afford it without the financial aid they promised me. Since I decided not to attend they charged me housing fees and late fees for their university and put them on my school portal that I had created when I planned on attending. When I decided not to and gave them notice that I would not be attending in the fall ( and quite frankly had a very sour taste in my mouth about the university ) I did not log into my portal anymore. 2 years later, I saw a huge drop in my credit score and I discovered it was due to this issue that I had all the way back in XXXX where I was treated unfairly. I have tried discussing the matter with XXXX themselves and have only gotten in touch with one person. When I spoke to him he said he was going to help me handle my case and said he would call me back the following week. I never got a phone call, I tried to call and email several times and never got a response back. I have also attempted to dispute it through the credit bureaus and that was unsuccessful. I even started thinking maybe I will just borrow {$650.00} from someone to be able to pay this off even though I do not feel like I owe them ANYTHING just so I can get it off my creditbut my credit advisor informed me that even if I do that, the company conserve does not completely remove it off my credit so therfore, it would not benefit me. She advised me to this option as a last hope effort. PLEASE help me resolve this and get this issue off my credit so I can get my score back to where it was ( almost 800! ) thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have attached documents that explain what happened during a recent credit card dispute. I submitted my vehicle to an ill reputed mechanic shop and did not get the service that I had asked for, but was charged {$650.00}. Capital One then asked me for documentation to prove that the original mechanics had not provided the service I had asked, and I provided them with a receipt from an inspection by a XXXX dealership showing that the problems which XXXX XXXX had originally agreed to address were not addressed at all. Capital One told me that the documentation was not enough and then made unreasonable demands for follow up documentation. Specifically, they asked for signed letterhead from XXXX specifically naming XXXX XXXX as the mechanic that failed to provide the service I specified. I do n't know how XXXX could possibly have known what I asked the XXXX XXXX to do. It was an unreasonable demand and I felt that Capital One was just trying to shut the case down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a fraudulent claim for charges on my account with my bank BBVA on XX/XX/XXXX. They have only refunded me {$40.00} out of the {$700.00}. As you can see we are well over the 90 days. Every time I call they out me on hold for over 45 min and then hang up. Theyve been giving me the run around that the investigators are on it and they are going to connect the call. And they leave me waiting for a long time and hang up all over again. At this point theyve been pushing the dates so they dont have to pay anything and I am extremely pist. I want this resolved so I can close my account with them. Worst service ever. I need this fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After filing my dispute with Experian verifying this account was accurate and complete, I found several inconsistency reporting on this account : XXXX XXXX Acct. # XXXX. It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information. 

XX/XX/XXXX has ok but in Actual Amount paid. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid. Fix or remove it. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid show no data. Fix it or delete it. XX/XX/XXXX has incomplete or missing data information but payment history has OK. 

Experian had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report. If you can't fix all inaccurate and incomplete information you must delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed on multiple occasions with Experian, the data regarding my XXXX Department of Education student loans. I have personally written XXXX a letter explaining the dates in which they claim I missed payments, the dates they claim I never made payments, and the dates in which I showed receipts for payments that I had made, to no avail. My student loans are not even held by XXXX anymore, which is beside the point all of my student loans have been consolidated into one loan and I still have derogatory marks on my credit report showing that I missed payments and I have never missed a single payment I have always been in forbearance or part of a repayment program. I have submitted copies of my receipts for dates that they show I missed payments to both XXXX and Experian and nothing changes every time I file a dispute. I run a XXXX XXXX which is a XXXX XXXX which is the only income for my family of XXXX children and wife, my only option for credit is through personal credit not business credit therefore these derogatory marks from XXXX which is absolute bogus, are creating an extreme hardship on me and my family. I hope you guys can get something more done than I have been able to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
my company sent over information the different state agency 's without my consent or my knowledge. I just learned about this by doing a Employment data report. There is also information that was sent over to XXXX XXXX XXXX without my consent as well. it also needs to be sent to Equifax. XXXX XXXX

Company response to consumer: Closed with explanation