BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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:
My name 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 explanation
Consumer complaint received 2022-05-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Tuesday XX/XX/XXXX Navient called me 7 times between the hours of XXXX and XXXX. I told them once to please stop calling me while I am at work and that I will be making a payment on Friday. I am usually very good on payments but I was out sick for a week and my employer forgot to add my sick time pay so my check was shorted until tomorrow XX/XX/22 when I get that money added to my new paycheck. I was called multiple more times after asking them not to. Lady would not listen to me told me there was no note about prior phone calls or me asking them to refrain for the day. I got angry and had to hang up as she was insistent on taking my focus from work. I work in XXXX XXXX and can not be getting calls 7x in one shift! I have to keep my phone on me, and patients, staff, and others do not need to hear BUZZ BUZZ BUZZ during meetings or need me to excuse myself. 

" According to the FDCPA, a debt collector can not call a debtor more than once per day for each debt. This means that if you only have one outstanding debt, then your debt collector is only allowed to call you one time per day. '' This was clearly violated, and this is not the first time this has happened either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
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 sent a letter out in regards to the XXXX XXXX XXXX things I saw reporting on my credit report. Almost XXXX days later I still have not received a response and this is my XXXX attempt! This is causing me a great deal of XXXX & I feel like Im being taken advantage of. In Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives reason to immediately remove items from my credit report. I demand that these accounts are deleted immediately as I feel forced to file XXXX for the XXXX XXXX XXXX that this matter has caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, 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: 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: CA
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 spoke to a Equifax representative and told them that you have been a VICTIM of their inquiry issue. Their customer service was not able to assist me and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX - XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name 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 2021-10-25
Company: EQUIFAX, INC.
State: NV
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:
Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter in regards to mistaken and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for suit because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: GA
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:
Submitted identity theft affidavit and items are still being reported on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I canceled a recurring scheduled transfer in order to add a different account to transfer to ( new account to pay into for Landlord for rent ). Because I added this new account it was flagged by the Fraud Department and the transaction was canceled. I got in touch with the Fraud Department on XX/XX/2022 and they approved the new account to transfer into. 

At that time they told me to wait 24 Hours and set up a new transfer since they had canceled the original transfer set up on XX/XX/2022. 

I tried to set up the transfer on XX/XX/2022 but was unable to do so because the " canceled '' transfer was still in place and it would not let me set up a new transfer as it would go over the " daily limit '' for transfers. I was assured that on XX/XX/2022 the original transfer was cancelled and to wait 24 Hours. 

On XX/XX/2022 ( 24 Hours after the transfer ) I called back and spent ~1.5 hours on the phone with customer service, and they again assured me that the transaction was canceled and I should be able to create the transfer on XX/XX/2022. 

Today on XX/XX/2022 I am still unable to set up the new transfer. No one has been able to sufficiently take care of this issue, and its getting close to the time that rent is due. I also discussed that it seems the issue may be resolved if they could change the " transfer limit '' but they state that this is impossible without any more reasoning.

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 2018-12-19
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to purchase an XXXX at the XXXX Store in XXXX, Washington, DC using the XXXX   Loan payment plan. XXXX  declined the loan with the following statement to me : " UNABLE TO ACCESS CREDIT REPORT. CONTACT CREDIT BUREAU TO CONFIRM YOUR STATUS. '' Incredibly I just paid off a two year loan with the same company. They referred me to the credit company who blocked my account, and this company is Equifax. 

I called the Equifax number requested and spoke with three consecutive individuals, all of whom were asking questions about accounts that I do not have or ones on which I can not remember monthly balances. They were unable to unlock my account. I became very suspicious of all the questions because Equifax is a company that has had a substantial data breach and is not to be trusted. 

All of the people who I was told could help me by phone stated they could not remove a " Stop '' or " Freeze '' on which they have imposed on my account. All of my financials are in an excellent state and I can not understand why they are locking my account. I believe it may be because I refuse to pay them a monthly fee or a fee to get a credit report. 

I have not asked Equifax for anything and don't even know why they have my account information and can prevent me from getting a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: MD
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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 2023-07-20
Company: EQUIFAX, 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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities, so it's very infuriating to be told those accounts have been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-05-26
Company: DISCOVER BANK
State: PA
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:
Our issue is with Discover Student Loans. My son recently graduated from XXXX XXXX XXXX XXXX He has 8 private loans with Discover with a variety of interest rates from 6.8 % to as high as 9.8 %. We were told when we started that at the end all deferred loans would be able to be consolidated under one loan and one low interest rate. After 1 employer only he has two jobs not taken into consideration the fact we were told my son had to apply for a consolidation on his own without a cosigner. He was immediately declined reason unknown. The application asked for name address phone number employer SS #. Submit declined we have $ XXXX to put done that was not considered his XXXX  credit rating is XXXX not taken into consideration. We have contacted them several times with our financial advisor on the phone with us all calls were recorded. Each time we got a different story. Per my financial advisor he states they are being discriminatory. They have no under writer. They will, however, take my money and reconsider after the fact. The said until such time my son qualifies as a primary again with no consigner, they will not consolidate the loan and we have to pay the face value of multiple loans at a higher interest rate no exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Was approved for an XXXX store card and made purchase of approximately {$50.00}. Was unable to pay balance for several months due to not having credit card which was never mailed to me. Tried several times to get card number so I can pay it off online. After several months, credit card finally came in the mail. Paid it off completely. Meanwhile credit score went from XXXX, down to 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 2023-08-26
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hey i been Banking with US bank for some months and this been around XX/XX/2023 and i been getting money i worked for threw that account so they seen the money i worked for coming in on the regular now they want to close it because im a hard-working person and i get money come in legitimate way.

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 2023-08-25
Company: CITIBANK, N.A.
State: FL
Product: Credit 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:
I opened a Citi Diamond Preferred card on XX/XX/XXXX. I never received the card. After trying to get through to speak with someone on their service number which consistently disconnected my call, I decide to close the account. I spoke with Citibank on XX/XX/XXXX to close the account. I received confirmation on XX/XX/XXXX via email and subsequently a letter that account was closed with a XXXX balance. 
On XX/XX/XXXX, I received an email stating there was a balance with a minimum payment due. I immediately called to question this as I had confirmation of my closure with a XXXX balance. They stated the transaction was pending when I requested closure. Yet they allowed the fraudulent transaction to go through even when I stated I never received the card. The representative told me it was taken care of and I would not have any issues. 
I subsequently received emails saying the fraud dispute was being reviewed and that a new card is being sent. This is despite the fact I stated on XXXX I wanted the account closed. I then received an email on XX/XX/XXXX saying my minimum payment was being reduced due to the fraud dispute. The minimum payment referenced was exactly the same as the minimum payment referenced in the email of XX/XX/XXXX when I first became aware Citibank negligently allowed a fraudulent charge on a closed account and a card I never received. I called again today on XX/XX/XXXX and was again told it is taken care of and to disregard their emails. I asked for this in writing and was told they can not do that. The representative attempted to pawn me off on their security department. 
I am requesting written confirmation from Citibank that the fraudulent charge on the account I closed is not my responsibility and any emails they send referencing a balance and/or minimum payment due is erroneous, and that Citibank is fully responsible for any balance they reflect on the card. It is incredulous that they state they send erroneous emails but can not send me information that has been relayed to me verbally in writing as confirmation of their representatives statements.

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 2018-05-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of my apartment, where I had lived for 13 years on XX/XX/XXXX. I was told I could not extend my time and must vacate premises by end of day, Monday XX/XX/XXXX, I moved out, despite the fact I had to leave valuables personal property like furniture. I had to move to my parents condo in Florida to handle the property they had left after their death because the executor had not taken steps required. On XX/XX/XXXX I received a collection letter stating that I had not paid the amount of Moving-out charges per the report by the XXXX XXXX management. 

I have never received said report, presumably because the USPS LOST my mail for the period from XX/XX/XXXX to XX/XX/XXXX. I responded immediately, in writing, stating I did not, nor could I verify the amounts stated in the debt collectors letter since i never received any report and did not know what became of my security deposit nor last months I paid when I first moved in back inXX/XX/XXXX. I received a call on XX/XX/XXXX from the collection agency and was told the were charging interest at 5 % a day and they would report debt to credit agencies in one week despite my disputing the amounts. I did agree to pay a portion they said was the last utilities but I had to see the report itemizing the other charges. I have not received the report, and received another letter on XX/XX/XXXX which had the original balance plus interest but not reflecting the amount I paid XX/XX/XXXX over the phone. The collection company has not sent the so-called report and refused to stop further actions while we attempt to verify the accuracy of the debt. Without any information, they are unilaterally taking steps to damage my credit and charging interest on unverified debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation