BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Contacted Navient on Monday XX/XX/XXXX regarding a payment I mailed on XX/XX/XXXX. The person I spoke with indicated that the payment had not been received and would not be accepted because the payment was mailed to the wrong address/department and that the check would be mailed back to me. I attempted to cancel the first check and mailed a new check to the correct payment address on XX/XX/XXXX. I checked my bank balance on XX/XX/XXXX and noticed that Navient had cashed BOTH checks. I contacted Navient on XX/XX/XXXX regarding the payments and they could or would not provide any details about which checks were cashed or why. I called Navient customer service three times on XX/XX/XXXX regarding the issue and was routed to their fraud department through their customer service number. I waited on hold for over an hour each time to speak with someone from the fraud department, however no one at the Navient fraud department would answer. Also, when I called back the customer service number, I asked if someone would be able to contact me regarding the issue and they indicated no. I 'm not entirely sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-02-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Navy Federal ran my credit when I didn't authorize the hard pulls that are showing on my credit report, they told me that the hard inquiries would be removed from all 3 credit bureaus but it's still showing on my reports. I need Navy Federal to communicate this with the credit reporting agencies as it is a clear violation of the FDCPA. I also have proof via police report that I was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection letter from Southwest Credit XXXX for XXXX violations that were supposedly obtained in the XXXX XXXX XXXX XXXX XXXX The fee 's are for {$58.00} and {$56.00}. No notice from XXXX or XXXX was sent to me for these violations, as they should before submitting to a debt collection service. I have not used XXXX XXXX since the summer of XXXX and any fine 's attached to the vehicle in question were paid in FULL directly to the XXXX to resolve suspension of the registration. This vehicle has not been in my possession since the summer of XXXX due to it being totaled in a roll over accident in the winter of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had the XXXX credit card since 2007 and therefore do not have any of the specifics of the amount of late charges. 
I now know that the late charges are a flat fee of {$39.00} on any overdue balance. The interest rate is 27.24 %. I can't imagine that high a penalty on a clothing purchase. I have a credit score of XXXX and yes I have been a couple weeks late due to distractions of vacation and getting kids back to college. I feel that the XXXX is taking advantage of its consumers. It lures them in to use their credit card with receiving a 10 % discount only to gouge them when bills are more than one day late. 
I am in shock regarding this corporation.

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 2022-02-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I have mailed 3 certified letters to Experian, XXXX and XXXX to remove inaccurate personal information. Today, XX/XX/XXXX my personal information remained the same and they have not removed any of my requests.

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 2022-01-10
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: MD
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 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 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 2022-11-17
Company: EQUIFAX, 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:
I have been the victim of identity theft where all or part of my personal identifying information has been used to establish credit without my knowledge. I have identified several fraudulent accounts on my credit reports and have since frozen the reports, added fraud alerts and filed disputes. 

However, I am having difficulty in dealing with XXXX and Equifax blocking the fraudulent accounts from my report. Every time I contact them and provide the information necessary they just place the accounts back into dispute status and later claim they verified the account is correct. Both XXXX XXXX and XXXX have removed the accounts. 

However, I have been in touch with the creditors and forwarded them copies of my identity theft reports and identifying information and was assured the accounts would be removed from my report. I don't know what to do at this point as I am being stonewalled by these companies that continue to maintain fraudulent accounts as if they were mine. 

I am reaching out to the CFPB for assistance in getting this resolved. 

The accounts are : XXXX ending in XXXX XXXX  ending in XXXX XXXX  ( XXXX XXXX  ) ending in XXXX Also some of these accounts have addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attached documentation from creditors as well as ID Theft Report and personal Identification are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XX/XX/2020 tmy family and I were looking for a new dentist to try out. We went to XXXX dental group and on my first visit, they signed me up for a care credit account. However, I never signed the original documents, authorizing the treatment plan or the terms of the care credit account. Care credit prepaid this dentist XXXX XXXX {$9600.00} in advance for dental work that He never did on me. I have contacted the dentist and care credit numerous times. I have disputed the charges with care credit three times over the last year. I have submitted documents, proving work was not done and the original merchant copy documents unsigned and unauthorized.. Care Credit is aware this dental work done on me and have seen my documentation However, they told me they can not force the dentist to give back the money. in the meantime, I am getting monthly bills for interest and. late fee charges and watching my credit rating go down the toilet. I had one procedure done there, which I am willing to fully pay.. my insurance already paid him XXXX after my first visit I decided he was not the dentist for me and my family and I never went back. also, during the dispute process, this dentist submitted falsified documents with my forged signatures.. I have the original unsigned documents in my possession, which I will submit. Trying to resolve this matter, XXXX XXXX only wants to refund {$4900.00} of the $ XXXX me {$7200.00} for XXXX visit including {$3000.00} insurance payment. He charged me for 3 procedures he never did @ {$550.00} x 3. I have told XXXX XXXX that I am willing to pay for the legitimate procedure he did on me.. according to XXXX XXXX XXXX billing statement. I owe {$1500.00} including the insurance payment of {$3000.00}.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
IVE NEVER FILED XXXX XXXX XXXX AND EXPERIAN AND XXXX CONTINUE TO REPORT THIS UNVERIFIED XXXX XXXX INCLUDED IS A LETTER OF WITHDRAWAL, AND LETTER FROM XXXX XXXX THE DATA FURNISHER CASE NUMBER XXXX WAS NEVER FILED IN A BANKRUPTCY COURT.. IT WAS WITHDREW I HAVE NOTICE OF WITHDRAWAL...

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 2023-02-10
Company: Experian Information Solutions 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 received a credit inquiry om my Experian file on XX/XX/2023 from XXXX XXXX XXXX. This is a fraudulent loan attempt for bill consolidation in the amount of {$1000.00}. I did not request this loan and believe that someone has made an unauthorized attempt to obtain a loan utilizing my credentials. The contact email the requester submitted was 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 2022-11-17
Company: Experian Information Solutions Inc.
State: WA
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:
This company is not updating my credit report. In XXXX my statement closed with a {$480.00} balance. I have not only paid of my balance every month since then, I have overpaid, and they are still reporting {$480.00}. Today XXXX reported that XXXX reported a {$480.00} balance on XX/XX/XXXX, but I have provided statements that show that this is incorrect. As a result, my credit score dropped almost XXXX points!

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 2018-11-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the state of California, the statue of limitations to collect on a debt is 4 years. There are 2 accounts from XXXX XXXX that are reporting on my credit report : 1 ) Account # XXXX Date Opened XX/XX/XXXX 2 ) Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX responded XXXX The law limits how long you can be sued on a debt. Because of the age of debt, we will not sue you for it. '' Also, I have disputed these accounts several times asking XXXX XXXX for physical verification. I mailed all letters certified mail with signed returned receipt on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I requested a copy of the contract with my signature that says I agreed to pay them for this debt. I do not have a legal agreement with XXXX XXXX to pay this debt and I asked them several times to remove these accounts from my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since XXXX XXXX refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay them for this debt, they must REMOVE both accounts from my credit report. 

XXXX XXXX has responded by sending me old credit card statements from the original creditor. Statements are not sufficient in verifying debt. The law states you must provide the original contract with my signature. XXXX XXXX has and continues to violate my rights according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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:
Im filling a complaint because Ive noticed XXXX XXXX, Equifax, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining 100 percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 contact the credit Beau three times filed disputes concerning my credit report not being current are updated in three are so years and bc of this I have over 60+ hard inquiries from being denied housing car leases they are continuely reporting my student loans late although I have called the department of education and verified that they are not and hasn't been in years this has caused me to be homeless and without means of transportation for almost 3yrs now they show on my report that my report has not been updated since XXXX  but it's actually 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 2022-11-17
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:
I have been the victim of identity theft where all or part of my personal identifying information has been used to establish credit without my knowledge. I have identified several fraudulent accounts on my credit reports and have since frozen the reports, added fraud alerts and filed disputes. 

However, I am having difficulty in dealing with Experian and XXXX blocking the fraudulent accounts from my report. Every time I contact them and provide the information necessary they just place the accounts back into dispute status and later claim they verified the account is correct. Both XXXX XXXX and XXXX have removed the accounts. 

However, I have been in touch with the creditors and forwarded them copies of my identity theft reports and identifying information and was assured the accounts would be removed from my report. I don't know what to do at this point as I am being stonewalled by these companies that continue to maintain fraudulent accounts as if they were mine. 

I am reaching out to the CFPB for assistance in getting this resolved. 

The accounts are : XXXX ending in XXXX XXXX  ending in XXXX XXXX  ( XXXX Card ) ending in XXXX Also some of these accounts have addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attached documentation from creditors as well as ID Theft Report and personal Identification are attached.

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 2022-10-31
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:
XXXXm 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 XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-02
Company: EQUIFAX, INC.
State: AR
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 contact the credit Beau three times filed disputes concerning my credit report not being current are updated in three are so years and bc of this I have over 60+ hard inquiries from being denied housing car leases they are continuely reporting my student loans late although I have called the department of education and verified that they are not and hasn't been in years this has caused me to be homeless and without means of transportation for almost 3yrs now they show on my report that my report has not been updated since XXXX but it's actually XXXX

Company response to consumer: Closed with explanation