BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted Navient multiple times advising them that I had not cosigned on XXXX different loans held by a XXXX XXXX. I have requested the fraud form from them numerus occasions and have still never received such a form. I had contested the items with the credit burros who one of the main three has found enough evidence to remove the reporting to my credit. XXXX is my ex-wife who had asked me at one point to cosign in which I said I would not as all bills were covered and she had federal school loans that covered her schooling. I have advised Navient that I was on Military orders when she signed my name to the first loan and also offered to provide said orders to them proving such. This loan was taken out XXXX in the amount of {$6000.00}. I have also informed them that I filed for divorce from XXXX in XXXX of 2012. Navient also allowed XXXX to open XXXX more loans with me listed yet again as a cosigner. The second loan for {$5000.00} was taken out XXXX, This timeframe I was again on military orders and no way was available to sign any paperwork, this too has been conveyed to Navient with no resolve. The third loan was taken out in the amount of {$5000.00} on XXXX, at this time XXXX was not living at my residence as I had asked her to leave and filed for XXXX. During the XXXX  none of these loans were disclosed to me and I had no knowledge of them until years later when I attempted to buy a new vehicle and they said no because of the debts. I have since filed to press charges on her with the Michigan XXXX  XXXX  and a report has been made. Navient has also been informed of this report and given the report number. Navient still refused to remove me from the loans and also failed to present any loan documents containing my signature. Subsequently I have found out that they allowed XXXX to complete all the loans online and signed a digital signature without asking to provide any of my identification or speaking to me as well. I am not sure where else to turn to have this removed from my credit fully and not be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Credit inquiries on your report that you don't recognize

Complaint:
i checked my report and i seen an unauthorized credit check inquiry that i have not given consent to. I am demanding the inquiry be removed from my credit report within 4 days as they are fraudulent. Im trying to establish relationships with banks but continue to get declined because of these items on my report. I have attatched the items to my letter and notified the FTC.

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 2023-10-31
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient was the company to collect my student loan, they had increase my debt double of what I had taking the XXXX. NAVIENT was sued because of what they have been doing to us student borrowers. Please can my debt be considered paid off, due to Navient trying to abuse of us student borrowers my email is XXXX to give you more information. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was called from XXXX a man from XXXX telling me that some one was trying to open a carge card in texes useing my name.went on talking sead he was from XXXX XXXX dept and needed to clear that up after talking he told me I could check on that his name was XXXX XXXX XXXX security badge XXXX he than turned me over to a specalist XXXX XXXX XXXX at XXXX. He metiond the XXXX credit cards I had and the a amounts on them he had the last XXXX of my social. and this is how he was going to help old people like me it was my lucky day because of the Fed debit redution act of 2022 I only needed to pay XXXX % of the balances on those cards. talked a little more told him if its to good to be trough it is and hung up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I opened a car loan with Wells Fargo on XX/XX/22 for {$22000.00} and for my credit I got an unreasonable high interest rate and theres issues with the gap insurance when I was finalizing the purchase of the vehicle. Also, the tactics used by Wells Fargo in order for me to purchase. The vehicle purchase overall seem very deceptive and at times it seems illegal.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name Please delete those accounts, its 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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that were open without me knowing i reached out to XXXX, XXXX, and transunion numerous times and they still haven't responded or do what they promise to do

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 2023-03-16
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries 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 To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2022-03-27
Company: SCA Collections, Inc.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I choose to dispute a false claim from SCA collections in regards to a claim of {$620.00}. The XXXX XXXX XXXX allowed me to dispute 3 accounts totaling the XXXX. I was given an account number from SCA to pay the bill however the account number given is not valid. I need a dispute letter from XXXX so I can proceed to contest this payment and set my credit record free. Thanks for your help pertaining this matter.

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 2022-02-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Santander Consumer USA Holdings 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 complaint is reporting inaccurate information on my credit report! They are reporting a charge off on my report! 
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report i see that your company is reporting on my credit for a credit card that was not in my possession and that i did not apply for. I see that the original creditor is synchrony bank and i have been in touch with the official XXXX of this company regarding this situation i have tried to work with your company but i was basically belittle and told me that the only way i can make this go away is to pay for something that is not my debt or a card that i never had in possession. I have a police report for identity theft and have been working with your company but i have not been getting any good response for this. so i am writing you now to try and solve this and remove this from my credit report considering your company did not send me a validation letter or anything with my signature on it.

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 2023-02-21
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the credit card including a request to transfer a balance according to the terms offered by Pentagon Federal Credit Union. My credit was locked/frozen and I was informed that I needed to lift the freeze, which I completed. I was informed I was approved for the card. 

Days later, I received a notice in the mail that I needed to submit a signature card to access my account. I immediately provided the requested documentation. No further communication was sent. 

Weeks later, I attempted to login to my account to verify the status of the balance transfer. The website informed me that my access was frozen. Via email, I was told that my account has NOT been approved because they require additional documentation that was not included in the original terms. I was not sent any request for this additional information. They are using the USA PATRIOT ACT as an excuse to deny me credit by requiring information that has never been required for me to receive additional credit. 

They are holding credit in my name hostage for additional unnecessary verifications that are unreasonable for me to provide, since all my information has been verified sufficiently to this point.

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 2020-01-17
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports.

The inaccurate information on my credit report is as follows : 1. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

2. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

4. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

5. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines.

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report.

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: MAGGUILLI LAW FIRM, PLLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I literally had no idea about this debt I havent gotten any phone calls or letters about this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My credit card account ending XXXX was established XXXX  years ago in XX/XX/XXXX. In the offer that was mailed to me during that time indicated that if I keep the account in good standing it could be eligible to be upgraded to a different card. I have called periodically over the years to ask about upgrades and each time was told there are no offers at this time, and that Capital One does periodic reviews and to check at a later time or keep an eye out for offers. At that time I was new to credit and chose to accept the offer and the XXXX XXXX  monthly membership fee because I could upgrade the card at a later time to one without a membership fee. I feel Capital One was deceitful in the material provided and lied and has trapped me. When I spoke with someone today XX/XX/XXXX they told me this specific credit account is not eligible for upgrades, the next representative just said no offers at this time. I want to know why I have never in XXXX  years been provided the opportunity to upgrade this card. I spent {$540.00} In membership fees that offer no membership benefits. I want Capital One investigated for for being deceitful regarding their upgrade eligibility and review process. I feel I was financially preyed upon by this company as a young female new to credit and financially harmed. I am asking that Capital One reimburse me the {$540.00} I paid under false pretenses. I am also asking that Capital One either upgrade this credit card to one that doesnt have a monthly or annual membership fee, or leave the card as is and waive the current membership fee going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have had these investigated numerous times buy all the bureaus. I have had this account on my record for over XXXX years. XXXX has removed because of the FCRA. Rightfully so obey the LAW. the following should do the same Experian XXXX and XXXX asap!

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 2023-02-01
Company: ADP Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I recently filed a dispute XX/XX/ I had XXXX taken out my account I was told I could be provided with a provisional credit in which it says on their site that it will be provided if they investigation takes more than 45 days. Well here I am about to be homeless and my lights are already off. Because they said they denied the provisional credit and their investigation takes till XX/XX/XXXX! Wisely has officially lost my business and any ongoing problems from this day forward they do not care about their customers I have emailed and called and called and called to no avail everyday asking for an update. And nothing! Thank you WISELY

Company response to consumer: Closed with explanation