BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX there was a moratorium placed on freeze on student loan activity by the Trump Administration that was extended to XXXX and now XXXX by Biden administration. I received a letter unknowing from Navient in XXXX informing me i was behind on my student loan as my income was revaluated. I made Back payments and payments forward from XX/XX/XXXX till XX/XX/XXXX. It was money I did not have as pandemic closed the place I worked for. Only after resubmitting paperwork to show this was my payment re evaluated again. I went in the Hospital in XXXX  for XXXX XXXX  due to XXXX so our finances are in shambles. Upon learning about I did not have to make payments during this freeze i was informed I was eligible for a refund of those payments as they are Federally backed loan as Navient is and never have been a funder for my loan but only a assigner of it. Spoke to a Department of Education Representative who informed me that I was eligible that i would have to call provider to make request. On XX/XX/XXXX I made the call at XXXX and spoke to a CSR who informed me that I was not eligible because Navient funded my loans which is not true they were only assigned my loans from Department of ED and Navient continues to feed misinformation to its customers as I have had a lengthy issue with them to trying to lead me to forbearance instead of income driven payments to moving your dates around or somehow losing my paperwork during reupping each year. I am not working due to my condition and i feel those payments that I should not have made due to the blanket law that was passed with the exception to private loans should be refunded to me which was from XX/XX/XXXX to XX/XX/XXXX. They are federally backed loan and not private as I have never did business with Navient just had them set upon me by the interworking 's of the Government process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi has repeatedly assured me that credit resulting from a fraud investigation will be issued, but has failed to apply the credit and layered additional incorrect charges on top of it. 

Fraudulent XXXX purchases totaling {$6900.00} on our Costco Anywhere Visa were detected by the Citi system XX/XX/XXXX. I immediately responded by disputing the charges and the card was closed. 

XXXX issued partial credits of {$5800.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. However, reverse charges issued by Citi on XX/XX/XXXX totaled {$8800.00}. The result is a difference of {$2800.00} between the credits and the reversed charges. Several of the XX/XX/XXXX reverse charges appear to have been applied incorrectly ; for example, there are three reverse charges of three different amounts all with the same ID. 

I spoke with Citi representatives in the Security Operations Department on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including two supervisors. I was told each time that some action was being taken sending it back to the original investigator, reopening it, doing an internal audit, and submitting a report were the various actions described. Each time I was told to call back in a few days to allow time for credits to appear. 

On XX/XX/XXXX an item simply called Credit appeared on my account that looked like progress. But it was incorrectly applied as a charge, not a credit ( and with a strange XX/XX/XXXX date ). Now the original difference of {$2800.00} plus this incorrect {$1800.00} charge need to be credited to the account, for a total of {$4600.00}.

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 monetary relief
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: FL
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 recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted XXXX, XXXX and equifax regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-09-06
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We pay our Credit Card Bill via XXXX XXXX. It is handled through our Bank Account at XXXX. XXXX receives the check and instead of applying it to the credit card account they deposit it into my savings account. We have been charged numerous late fees and credit has been affected. We have spoken to people many times they correct it and then it happens again. They are just not capable of fixing a problem or do not have the authority to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00} This attempt is my follow-up to ensure that the listed accounts are investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUNION is obligated by the FCRA to report accurate accounting. Consumer has advised ALL INQUIRIES AND ACCOUNTS reported was fraud, and SAID company is required by law to remove Such items within 4 days, FTC fraud report was filed on behalf of the consumer, Consumer is requesting TRANSUNION to provide documentation used to determine the inquiries and accounts where authorized by the consumer, TRANSUNION has 10 days to provide me with the names of the family and neighbors or person spoken to, documentation used, signed application with consumer wet ink signature, comsumer is not asking for an E-Oscar report. If TRANSUNION can not provide documentation to show these accounts and inquiries was in fact authorized by the consumer account must be deleted immediately. Said company is liable under the SEC to follow certain rules I HAVE TRANSUNION COMMISSION NUMBER address and what company your company use to trade securities, I will be filing 211form to audit consumer account. Transunion is securitizing consumer data yet refuse to provide consumer with their CONSUMER FILE NOT CONSUMER REPORT.

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 2021-04-16
Company: CORELOGIC 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 applied for a mortgage loan back in XX/XX/2020. I authorized MTH to obtain my credit score. It was obtained and used correctly. On XX/XX/2020, I had a conversation what XXXX XXXX XXXX regarding approval of a lower child support amount that XXXX XXXX List and I had discussed in back in XXXX. There was absolutely no discussion about any credit reporting or any request to run my credit again. I check my credit report recently and noticed I had an iquiry on XX/XX/2020. This inquiry was obtained WITHOUT my consent. 

I filed a complaint against XXXX and this was their response. " XXXX XXXX and XXXX XXXX contacted MTH on XX/XX/2020, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for MTH to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized MTH to review their credit profile, resulting in MTH pulling a tri-merge credit report that same day. MTH is unable to remove the credit inquires made on XX/XX/2020, as it considered the credit pulls valid pursuant to the authorization provided. MTH and XXXX XXXXs committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX XXXX. ". 

However, there are multiple errors in this response. First off, I was the ONLY individual who talked to XXXX XXXX List that day. Second, there was no verbal authorization or any authorization given to pull a credit report. This is fraud.

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 2023-09-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: LA
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 previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX Bank that they were contacting XXXX, XXXX, and Experian to let them know that ai closed my account in good standing yet XXXX  and Experian refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!

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 2023-06-12
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Got a car from XXXX and bridgecrest. I was never able to register the car because of them. It became illegal to drive as they wouldn't send out new temp plates. I'm not risking or paying for an undrivable car. They repossessed and sold at auction. I wanted the car and their processes didn't allow for me to register it. Now they say I owe money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Date Opened:XXXX Balance : {$700000.00}

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 2022-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Capital one closed my account and they said they will send me a check. Now that it is XXXX they still havent send me my money nor will they return my calls. I cant transfer my money to my new bank because they block it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am XXXX XXXX XXXX. I have been using care credit/Synchrony bank for the past few years.When I first signed up I requested my bill to be sent through US postal service. Any contacts through text message. Everything was fine with receiving bills by mail.It wasnt until the last few months paper bills stopped and I started getting COURTESY TEXTS to pay my bill. I thought nothing of this since it was a courtesy text. Actually thought it was nice of them. As soon as I got text I called payed bill over phone. I had no problem with paying like this since I requested text notification. It wasnt until I received a text to pay bill. I called care credit it then dawned on my my balances are going up not down. I spoke to a representative XXXX she informed me that these courtesy calls were actually LATE payment reminders not my monthly bill to pay. She said company switched to electronic billing and I should of been notified.I told herI was mot notified. I would never agree to pay XXXX dollars interest on XXXX dollar payments. She checked and said I DID NOT have electronic account set up. She did offerbto help me to set it up.Since they were aware I wanted to be billed by mail I became upset over the the interest I was paying each month and not even being aware till recently. How could I possibly pay a bill electronically not knowing anything about an electronic account? I was told they can only remove 1 late payment. I requested to speak with a supervisor. Supervisor XXXX XXXX spoke with me. She seemed not to want to be bothered and was unprofessional and rude. I explained the above to her. She came to the conclusion I was notified and that I WAS NOT THERE ONLY CUSTOMER. IT WAS NOT THERE RESPONSIBILITY TO NOTIFY ME PERSONALLY. XXXX XXXX refused any additional help. Yes I was upset thats expected. XXXX as supervisor should of behaved in a professional manner for which she did not.She should of gotten another account manager who could react in a professional manner when she no longer could.I am requesting the above complaint to be investigated and all late payments returned to me.

I am thanking you in advance for any help you can give me. 
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 monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: WI
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:
equifax will not update with the correct address of XXXX XXXX XXXX XXXX XXXX wi XXXX equifax will not update with the correct name of XXXX XXXX XXXX XXXX i have sent them my proof of name and address they have not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: AMERICAN EXPRESS COMPANY
State: LA
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 previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX XXXX that they were contacting XXXX, XXXX, and XXXX  to let them know that ai closed my account in good standing yet XXXX and XXXX  refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!

Company response to consumer: Closed with explanation