BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: Navient Solutions, LLC.
State: KS
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:
With the recent notification from the Department of Education regarding XXXX interest pause ( https : XXXX ), I contacted my servicer ( Navient ), about my consolidated XXXX loan XXXX XX/XX/2021. They responded on XX/XX/XXXX with this response : " XXXX, Thank you for contacting us with your inquiry in regards to your student loan interest. I would be happy to help. 
Your XXXX XXXX loan is a federal loan that is owned by Navient and was taken out under the XXXX XXXX XXXX XXXX ( XXXX ) program. 
Only U.S. Department of Education ( ED ) owned student loans are eligible for this program. You have a XXXX XXXX loan which is owned by Navient and is not owned by ED, therefore is not eligible for the 0 % interest waiver provided by ED. This loan will continue to accrue interest at its current rate. 
If you? re having difficulty making payments due to COVID-19, give us a call at XXXX. You may be able to postpone your payments with a disaster forbearance or explore other programs to help lower or postpone your payments. 
If we may be of further assistance, please feel free to contact us at anytime. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX ref : XXXX : ref '' I don't agree with the statement, " Your XXXX XXXX loan is a federal loan that is owned by Navient and was taken out under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX program. XXXX If it was under the XXXX program, how can it be taken out under the XXXX program? That doesn't make any sense and is not correct from what I have read from the government. 
Can someone help? What can be done to Navient? For other borrowers? 
I appreciate your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: NY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this is not a duplicate, please don't try to validate its been over 30 days which the law is very clear please remove. please review documents the Complaint/Dispute was received on XX/XX/2021 has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 


previous two complaint ID XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: JPMORGAN CHASE & CO.
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:
Purchased item online car cover wrong cover sent merchant had advised 100 % guaranteed tried a dozen times to exchange. After a week called credit card company to dispute charge finally got hold of someone by phone at XXXX XXXX XXXX after an argument she said good luck on getting refund and hung up on me. Contacted credit card company to let them know what was going on. Two months later got return Receipt from company and dropped off at XXXX store. Chase sent me a check for XXXX dollars now the bank has rebuild me and they in favor of the merchant because item was returned to late? I am out XXXX dollars and no car cover because Chase Bank is incompetent plus a thousand hours on phone trying to resolve this I refuse to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( Original Creditor : ) XXXX Balance : {$800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-02-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My appraisal company has been low on cash due to the recent rate hikes. Our volume decreased by 90 % but I still had to pay our employees. Chase bank has charged me {$490.00} in overdraft fees in the past two weeks even though checks are still being deposited they keep charging me keeping my balance low and hindering my attempts to get caught back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checkin/savings account online depositing {$150.00} with BBT. The bank closed the account. I have called them multiple times & gone to the branch a few times, but have not received my initial deposit of {$150.00}. I have proof that the money was deposited from my external bank 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 2023-12-12
Company: FORD MOTOR CREDIT CO.
State: DC
Product: Credit reporting 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 just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I submitted my own insurance prior to XXXX XX/XX/2023 as they stated in their letters to remove forced insurance. The mortgage payment was not adjusted/lowered to reflect my new insurance so I requested the tax information since I already had the interest, principal, and insurance information because it looked like I was overpaying {$360.00} per month for XXXX and XXXX. They claimed they needed further research and they could not provide the information until XX/XX/2023 which is after my next mortgage due date. After I submitted my own insurance in XX/XX/2023 they informed me I would be refunded the difference after these past payments but i have received XXXX response about my mortgage adjustments nor updates.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-18
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I'm trying to find out if I will have my outstanding student loans waived or I'll receive repayment since I attended XXXX XXXX which has turned out to be a institution that lied about credit transfers and everything else. I have around {$8000.00} still outstanding not including all that I have re-payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite my persistent efforts, this agency has failed to properly investigate and correct this error. The inaccurate information has had a significant adverse impact on my creditworthiness, leading to negative consequences, such as being denied credit, facing higher interest rates, and unable to secure housing due to this negligence. This matter has been brought to this company 's attention over the past several months. I have sent in over XXXX different letters starting from XX/XX/XXXX up until the present day making this company aware of this inaccurate reporting. I read somewhere that I am entitled to a fair and accurate credit report. Now, I am no lawyer but I have done a little research, and it appears that based on the Fair and Accurate Transactions Act that violations are done when organizations fail to comply with its requirements. In fact, based on what I read, section XXXX explains that violations tend to occur after a consumer bring the inaccuracy to the agency, such as Experian, XXXX, and XXXX attention but they fail to correct the inaccuracies after receiving a dispute from the actual consumer. Well, this matter has been brought to Experian attention on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently XX/XX/XXXX Now, once again, I am definitely no lawyer, but I do have common sense. I have sent this agency letter after letter making them aware of this inaccurate reporting. None of the bureaus have the same information. So, how can information be accurate if the same account that is being reported is being reported with different information. Once bureau is reporting an open account while the other is reporting a close account. One bureau is reporting a 120 days late while the other bureau is reporting a collection/charge off for the same account. Does this sound like accurate reporting to you? 

I am requesting that the following accounts are deleted immediately due to inaccurate reporting and due to the violations that the credit bureaus has participated in by neglecting to correct the information. 

XXXX XXXX XXXX XXXX OF 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
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus XXXX, XXXX AND EXPERIAN XXXX. XXXX / XXXX credit XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-29
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-11-17
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-04-05
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I mistakenly submitted a purchase order for {$800.00} to buy XXXX using a checking account that I thought had available funds when it didnt. That was a mistake on my part. This transaction occurred on XX/XX/2021. The amount was charged back to my bank and Binance requested that I submit both a bank account statement and a short video with my drivers license reading a passage to confirm my identity for risk management purposes. After I completed this I would be allowed to continue trading and/or withdraw/deposit again on their exchange. Of course the {$800.00} needed to correctly deposited on the exchange which I did complete as well. 

I have completed the requested video and supplied the requested documentation but they will not respond to support tickets or allow me to trade or withdraw my money from their exchange. In total I now have over {$4000.00} locked in their exchange with no access to the funds because they refuse to answer support tickets. Their CEO is the only response that I have received a response from and that was via a comment on XXXX after numerous users including myself called him and his exchange out for refusing to respond to support tickets. He responded saying that he was was sorry they have too many support tickets. That sounds like a mismanagement problem on his part. Hire more staff or shut off your exchange to new customers if you cant handle the incoming flow. Theres a reason XXXX is able to buy XXXX stadiums and your beta cuck exchange cant. They care about their customers and are financially rewarded for doing so. 

I want my XXXX, Tether, XXXX, and LINK off this exchange immediately. I want my ability to trade, deposit, and withdraw assets restored as well. There is no reason for them to not respond to tickets # XXXX submitted on XX/XX/2021 and # XXXX submitted a few days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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:
There are 12 accounts on my credit report that are not mine they are part of a identity theft case that I am going thru I have reached out to the three bureaus regarding this I have reached out to the furnishers and yet nothing there. I have opened an FTC report regarding this I spend days writing letters and getting on the phones to reach the furnishers and bureaus I am getting tired of this run around I need these accounts off my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: DE
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
These inquiries need to be removed from my TransUnion credit report. These are not mine. I am a victim of fraud and identity theft. These were done fraudulent. Please remove them from my TransUnion 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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