BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: WA
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYERS : XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX WA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian NAMES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX  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 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I WANT TO GET ME AND MY CHILD A PLACE TO STAY AND I REALIZED THAT I HAVE DAMAGES ON MY CREDIT REPORT AND ACCORDING TO THE 15 U.S.C 1681 LAW THERE SHOULD NOT BE ANY FDAMAGES ON MY CREDIT REPORT THAT IS A DEFIMATION TO MY CHARACTER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid the balance of this auto loan to {$0.00} on XX/XX/2020 using the Bank of Hawaii website by transferring {$10000.00} from my checking account to the loan account. The loan account now reflects a {$0.00} balance. Today ( XX/XX/2020 ), I called the Bank of Hawaii loan servicing department to clarify next steps on obtaining lien release, and they informed me that there is an interest balance due of {$5.00}. This is curious because the website is reporting a balance of {$0.00}. There is likely an error here with the Bank of Hawaii website that needs to be fixed. 

I am unable to pay this amount ( {$5.00} ) that Bank of Hawaii claims is due using the Bank of Hawaii website via transfer from my checking account, as I receive an obscure error message. Telephone customer service is unable to assist. I have been instructed to visit a Bank of Hawaii physical branch office for assistance. 

Due to the COVID-19 situation, I do not want to visit a physical Bank of Hawaii branch office and should not be required to do so. Now I am in a situation where this bank is putting my physical health in jeopardy because of their misleading, outdated, and error-ridden website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FOR OVER 8 MONTHS ( SINCE XX/XX/2021 ), I HAVE BEEN ASKING THIS CREDIT REPORTING BUREAU TO FIX THE ERRORS REPORTING ON MY CREDIT PROFILE. TO DATE, I HAVE NOT RECEIVED ANY CORRESPONDENCES FROM THEM AND I KNOW BY LAW THEY HAVE 30 DAYS TO RESPOND. SINCE THEY HAVE FAILED TO RESPOND TO ME, I AM ASKING THAT THE NEGATIVE, INACCURATE DATA REPORTING BE REMOVED IMMEDIATELY BECAUSE THEY ARE CLEARLY VIOLATING ALL FDCPA LAWS. I AM SUBMITTING ALL DOCS I SENT IN XX/XX/2021. THANK YOU.

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 2023-12-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I filed the same XXXX paperwork as I do every year. My other provider XXXX processed the XXXX payments. Navient completely ignored it and told me I had to pay a minimum of an interest payment every month of {$350.00}. The actual XXXX repayment is {$100.00} per month. Every other year this has not been an issue and I have always made the payments presented to me. I called Navient several times, and they offered to give me forebearance if I paid them {$50.00} for each month. But this does not help pay anything off. For 3 months in a row everyday I received phone calls twice a day. I felt harassed and trapped. I had no recourse with them. I would receive text messages asking if I was having trouble to file for an XXXX. Which as I mentioned was ignored, not rejected. 
It has been cruel and unjustified. I have been receiving treatments for XXXX XXXX for this amount of time and was forced to block them to stop the harassment just to escape the constant bombardment of calls, texts and emails all asking if I need help. Knowing no help was forthcoming. 
Why are they permitted not to process an XXXX request for the first time ever in the history of my loans! My other provider provides me a fair resolution all the time, but Navient has pushed me beyond frustrated. PLEASE HELP ME! PLEASE GET ME AWAY FROM THIS BARBARIC TREATMENT!!! I AM REQUESTING TO BE REMOVED FROM NAVIENT AS MY LOAN SERVICER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
We are a XXXX  XXXX company in Utah and participated in a local festival XX/XX/XXXX through XX/XX/2019. We used the PayPal Here app to process debit and credit card transactions for the sale of our XXXX  XXXX XXXX and prepared XXXX drinks. Sales from this activity generated approximately {$1300.00} in revenue over the three day period. On Monday XXXX, XXXX, I tried to transfer the funds from the PayPal account to our business checking account. I was informed that {$500.00} was available to withdraw, but {$860.00} would be held for up to 30 days to guard against financial risk. In email communication with PayPal personnel, I was told " An account reserve is an amount of money set aside in your PayPal account to help make sure that you're able to meet any liabilities you may incur from a chargeback, claim or bank reversal, where no other money is available. The reserved amount still belongs to you but is unavailable for use ( including withdrawal ). '' The items for sale at the festival largely were consumed immediately by the purchaser, or if not, the purchaser took home a bag of {$14.00} XXXX XXXX. I could understand a two or three day hold, but feel 30 days is excessive. I asked directly exactly what date the funds would be available and have not been given that date. In the meantime, I am checking every day to see if we are able to make the transfer. I believe we will eventually get the funding, but the State of Utah requires sales tax to be paid by the end of this month and not having complete access to the funds represents additional hardship. Would appreciate any assistance from the CFPB in understanding how/why this practice is acceptable. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone user my XXXX acct to send ( wire transfer ) funds to someone else in the amount of {$800.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX Soon as I noticed it I immediately contacted XXXX hoping they could stop the transfer from processing and i contacted Navy Federal to place a STOP on the transactions seeing how it hadn't gone through yet. On my end everything read ( pending ) ONLY. XXXX quickly said there wasn't anything they could do and to notify by bank institute. So therefore I called Navy Federal. Navy Federal told they couldn't do anything til after the payments posted ( smh ). So after the weekend was over, of course the payments posted. I immediately called Navy Federal that following Monday and was told it was nothing they could do. Once a XXXX payment goes through its considered to be out of their hands, again ( smh ). They said they consider XXXX to be like a face to face transaction. I don't know why they consider it to be that when in fact that's not what it is. Using XXXX should be called exactly what it is, A wire money transfer. Not a face to face. Ppl can hack your accts, your phones, your computers, freeze and take all your assets and you mean to tell me that the very ppl we're suppose to trust to protect our money just allow it to happen?! THATS RIDICULOUS!!! I didn't authorize anyone to take {$800.00} and XXXX it to anyone. I've even used the person XXXX phone number to reach out & contact them. I have proof of our messages going back and fourth with me asking for my money back. Whomever received it of course wouldn't give it back and kept thanking me for blessing them, again ( smh ). Now my acct is overdrawn by {$800.00}, Navy Federal is constantly calling me to see when I'll be settling my debt and informing me that I have until XX/XX/2023 to pay the balanced owed. I will not be paying anything. I refuse to be out of {$1600.00}. THESE BANKS SHOULD BE ASHAMED OF THEIRSELVES. Why work with a company or represent a company that allows your clients money to be stolen or scanned and not haveva plan in place?! That's crazy to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The credit bureaus are reporting my credit score as a XXXX. I have paid all outstanding items on my credit report as of XX/XX/2022. Instead of my score increasing to accurately report the fully paid debts, my score was dropped from around XXXX to a XXXX. Per the credit bureaus, my score can not go below a XXXX. I did not have extensive debt reporting, repossessions, bankruptcies, liens or foreclosures. When I called the agencies requesting immediate remediation, I was advised that there was nothing that could be done, but, a supervisor would return my call and my complaint would be escalated. I have received no response to date. This score is incorrect/inaccurate and has caused personal harm and hardship. The agencys are also reporting this to parties requesting credit worthiness information causing declined credit applications, denied rental applications etc. 
This is illegal and in violation of 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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information on credit 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 explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : - ; XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} ; 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 Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ;

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} -DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00} XXXXDEPT OF ED/XXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXXXXXX Balance : {$7700.00} -DEPT OF EDXXXX XXXX Balance : {$5400.00} -DEPT OF ED/XXXX XXXX Balance : {$4200.00} -DEPT OF EDXXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX XXXX Balance : {$1900.00} -DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00}

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 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme dissatisfaction and frustration regarding the lack of response and cooperation from the creditors in validating the debt associated with the accounts listed below. This matter is of utmost urgency, and your blatant disregard for providing the necessary documentation is unacceptable. Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. BANK OF AMERICA , N.A . XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-09
Company: Navient Solutions, LLC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two creditors saying I have student loans with them. 
One is Navient who said they sold to Aid Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies XXXX XXXX XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXXXXXX  Balance {$3900.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: MI
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:
There are numerous amounts of errors on my XXXX, XXXX, and Experian consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well. 

I was also a victim of the data breach. I have sent XXXX Experian a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from XXXX, XXXX, and Experian is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
transunion is doing a fine job deleting 3 of my hard inquirys they need to get rid of these to XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/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 explanation