BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
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: Their investigation did not fix an error on your report

Complaint:
I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my XXXX XXXX, even after I now have more availability. The credit scores should increase. This needs to stop.

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 2019-10-17
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please review complaint number XXXX that was submitted to the CFPB. I have additional evidence and was not able to attach to the original complaint. Therefore, I have opened this complaint. 

Navient has refused to remove late payments from XX/XX/XXXX thru XX/XX/XXXX. However, I have requested deferment multiple times with this organization. Navient was first informed in XX/XX/XXXX of my economic hardship. I sent a letter during that time and sent another letter in XX/XX/XXXX. Also, a phone call was made to Navient on XX/XX/XXXX. According to Navient 's response in complaint number XXXX, Navient claims they were not contacted until XX/XX/XXXX. This is false and Navient is lying to a federal agency, which is a violation of federal law. Please see attached email, phone record, and letter from XX/XX/XXXX. The email correspondence shows that Navient was informed of economic hardship. Navient responded to my email requesting that I call for assistance. I called Navient ( as shown in the attached phone record from my XXXX wireless service ) at XXXX XXXX on XX/XX/XXXX at XXXX. The representative requested that I send a letter. See attached letter that was sent along with a printout of my economic hardship. Navient did not place my accounts in deferment and is reporting late payments, although they were informed of my deferment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I need my account to be added to the disputes against US Auto Sales. 
The car has been repossessed 3 times in a year, due to the insurance premium they illegally added to my account, even with me carrying my own insurance.

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 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XXXX XXXX I pulled my credit report from XXXX XXXX XXXX XXXX website. I noticed several inaccurate information reporting on my consumer report. I am aware of the FCRA state all accounts must be accurate and complete. 

Bank of America is reporting 2 accounts on my consumer report with several inaccurate information. The Date of Last Active is reporting following dates : XXXX, XXXX XXXXXX/XX/XXXX and XXXX  XXXX XXXX The Date of Last Active for the second account with Bank of America - XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX  XX/XX/XXXX XXXX The Date of Last Active is very important because it determines when the account be removed from my consumer report. It is unfair for me to suffer for the violation that Bank of America refuses to delete the account after I sent a letter requesting for the deletion. I presented evidence for proof that the account is in violation according to FCRA. 

On XX/XX/XXXX, I mailed a certified letter XXXX XXXX XXXX XXXX XXXX. The letter was sent in reference to the inaccurate reporting of the Date of Last Active. Bank of America responded by stating the information is reporting accurate in XXXX, XXXX I received a response from Bank of America stating the information was accurate. 

XXXX, XXXX, I submitted another letter to Bank of America certified number XXXX XXXX XXXX XXXX XXXX. The letter arrived XX/XX/XXXX but I have not heard back from Bank of America as of today. As consumer I have the right to dispute any inaccurate information on my consumer report. Bank of America has ignore my request for deletion b On 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 2021-08-18
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021 I sent a letter to Experian in regards to their investigation with XXXX XXXX XXXX Experian is reporting incorrect information that is hurting my credit report and I asked them to re- investigate and send supporting documents under the Fair Credit Reporting Act Public Law 91-506, Title VI Section Subsection 611 A-D. They haven't sent no supporting documents on their claims that's information they are reporting is correct.

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 2023-02-07
Company: Global Lending Services LLC
State: NC
Product: Credit reporting, credit repair services, 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 recently checked my credit report and saw that GLOBAL LENDING SERVICE ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) ran my credit and that inquiry caused my credit score to XXXX. I am now concerned that my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: AES/PHEAA
State: CA
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:
Good afternoon, I am a Federal Student Loan borrower with Fed Loan Servicing. I have met the criteria for public service loan forgiveness and my ( well over ) 120 payments were certified in XXXX. Fed Loan Servicing did not provide me with correct information and as a result I did not submit my final application for forgiveness until XX/XX/XXXX. On XX/XX/XXXX Fed Loan provided a letter stating that they needed additional time to review the application. 6 months have passed and I have not received any additional information. I've reached out to Fed Loan on multiple occasions and they will not tell what specifically is being reviewed, what specific progress has been made on the review including dates, if there are any problems with the application or if I need to submit any additional information. I am aware that processing is slow ; however, this appears to exceed the typical processing time. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
In XXXX oXXXX XXXX I found 3 unvalidated collections had been added to Experian 's credit reporting service under my name. I disputed with this bureau last XXXX and they left the collections in place. Then I contacted the collection agency, XXXX XXXX XXXX, mailing them via certified mail a request for them to validate the debts listed. On XX/XX/2022 they sent my a pack of documents that gave line by line medical codes, medications, and procedures performed. There was NO ORIGINAL SIGNED CONTRACT bearing my signature, no signed XXXX release attached giving this creditor access to personal medical history and data. There was nothing in this mailing to me that indicated they had any relationship with the original creditor to collect this debt. According to federal guidelines, they had FAILED to validate these three collections listed on my report with this bureau. I did not realize how my rights had been violated until meeting with a lawyer last week, who informed me of what had been done and gave me instructions to do next. I began a second dispute online with this credit reporting bureau, this time uploading my supporting documents that XXXX had failed to validate the three debts. After only 2 days, Experian came back with the results of their " investigation '', leaving the unvalidated three collections on my report!! I feel that the reporting bureau did not even look at my documents or bother to read my dispute. This is an outrage! I demand that Experian Credit Bureau remove the three collections that XXXX has placed on my credit. This has severely damaged my reputation, my ability to borrow money for nearly a year now! I demand restitution. According to federal guidelines regarding credit reporting, that I am entitled to have Fair and ACCURATE reporting on my credit!! This is a serious situation!

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 2019-10-17
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 file ( mail ) a dispute with XXXX & Equifax pretending to XXXX XXXX XXXX  on XX/XX/19 explaining that I was a victim of identity theft ( fraud ). Below is the exact wording in my letters. 

" My personal information was used to obtain or try to obtain credit in my name. Please remove this information from my credit report. I am not asking for you to validate or verify with the following companies, reasoning being they will of course validate or verify the info if my personal info has been compromised. These accounts are fraudulent, I have included a copy of the police report filed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: NJ
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.

1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX 3.Validate Account XXXX Account XXXX, XXXX  Account XXXX Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate Account 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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
hi i been using a acct with direct express i get ssi benefits from Social Security comerica bank has something to do with them i also know comerica bank has been under investigation.i cant use my card i have over XXXX dollars in the acct i been trying to call customer service from 6am 2pm no one answers it gos to a recording in all my years of doing bussiness with a financial institution this has got to be wores this is absolutely total freaking garbage they need to be shut down they need to be gone have nice day ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

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 2019-10-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have checked my credit reports ( Experian, XXXX and XXXX  ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.

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 2019-10-17
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Jefferson Capital Systems , LLC to try to negotiate a reasonable settlement plan, explaining that I can not afford to pay more than {$25.00} to {$50.00} per month considering a death in the family and prior to the passing of that family member, I was caring for that family member 's long and progressive illness from two years prior. I have also had other problems in the mean time, including loosing my health insurance and paying off other debts. They did not want to stop any collection actions until I plan to make a payment plan with them. They wanted me to come up with {$100.00} within 7 days and for a month there after. They don't seem to care about my situation. I will also file a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  reported {$300.00} XXXX XX/XX/ never had this debt XXXX XXXX XXXX is reporting I owe {$450.00} XX/XX/ amounts are wrong/ XXXX XXXX XXXX XXXX XXXX XXXX  Balance is wrong and validation of account never received

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 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reviewed my credit report and it shows XXXX XXXX charged off. I also show XXXX XXXX who the account was sold to as paid on my credit report so the same account is reporting on my credit report from XXXX XXXX. If they sold it to XXXX XXXX and it was paid why would they put it back on my credit report as charge off after the account was paid with XXXX? FCRA states that an account can not report on your credit report twice so I asked for it to be removed and they refused to do so.

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 2019-10-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I attempted to use my Target Card Card ( issued by TD Bank ) and was declined. I called the company and they said that I was close to my credit limit of {$2500.00}. I offered to pay down the bill, but they were unwilling to take my payment. They said that their system could not " see '' my more recent charges and that they would not accept payment. I does not seem fair or legal that a credit card company would tell me I had a high enough balance that I was unable to spend, but at the same time that they would not take my payment for money I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Response to complaint # XXXX Im aware that the Consumer Financial Protection Bureau and the Federal Trade Commission has authority to enforce the Gramm Leach Bliley Act. Discover continue to willfully not protect nor respect my right to privacy as directed when I exercised my option to opt out of sharing my nonpublic personal information to consumer reporting agencies ( nonaffiliated 3rd parties ). They are using unfair and deceptive practices to cause to harm to me as a consumer. Discover fails to provide me clear and conspicuous disclosures which result me making uniformed decisions as a consumer. Discover tries to make me waive my rights as a consumer thru an alleged agreement which is null and void. I DONT NOT CONSENT TO DISCOVER SHARING MY NONPUBLIC PERSONAL INFORMATION TO CONSUMER REPORTING AGENCIES! I HAVE A RIGHT TO PRIVACY! ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
I went to XXXX and did a rental with budget car rental they charged me for my rental which was {$330.00} on XXXX XXXX- XXXX XXXX. I returned the rental and received my deposit, and everything was OK. 
Until a month after I saw a charge from budget for {$240.00}, which I didn't authorized. I then called Capital one and told them and we started a claim. I tried contacting budget and they hang the phone up and when I email no reply. 
Capital one did no investigation they just keep denying my claim. It's unfair for my to pay for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Oklahoma Student Loan Authority
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In early XXXX I attended an online class at XXXX XXXX  located in Arizona for a couple of weeks. I was eventually dropped due to my attendance and my program director dropped me before I could be held 100 % liable to repay my student loans that I have taken out. In other words, my financial aid was cancelled and I owed nothing to them. On my credit report though they reported twice that I owe them from my first starting date even though my financial aid records stated that it has been cancelled and washed away since I was cancelled before I could actually owe anything. I disputed the information with XXXX and provided the necessary documents but they ruled in the loan agency favor and never said anything as to why even though I sent them what my financial aid office has sent me during this situation.

Company response to consumer: Closed with explanation