BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for and received a lower monthly payment amount under the REPAYE program. I have been making regular payments and receive ALL my bills and correspondence online via email. However, this month I went into my online account and the monthly amount due was now 5x more than usual and it said my REPAYE had expired. I received zero email  notices regarding reapplying for this program. 

I checked all over my online account, digging into any documents I could find, and found a notice from XXXX saying I needed to repply. This was never emailed to me and I received no notice saying I needed to reapply or I would have promptly done so. 

I feel that Navient should communicate this to me via email or in paper as they do with all my other communication or billing notices. I searched my email account and junk folder for the date this e-notice was sent and received nothing on my side. I would NOT have overlooked this and would have promptly reapplied.I reapplied at the beginning of XXXX when it became apparent that something was wrong and had changed. 

Now - 10 days past when I normally pay my student loan, they say I am TWO months behind. And have a bill of close to {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX and XXXX. I have been a satisfied customer of Capital One since XX/XX/XXXX. 

Your outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards in the year of XX/XX/XXXX when I lost my employment, and I was over a month late with a payment. 

Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with payments since getting caught up. 

As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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:
The most recent contact was XX/XX/XXXX. 
I contacted Equifax about errors of my report. 
First that my name has the suffix XXXX Attached to it which is incorrect. I sent in documents ( birth certificate, drivers license and social security card ) and this was corrected without sending me a free updated credit report. 
Also theres a bankruptcy that I believe belongs to XXXX XXXX XXXX XXXX Which I contacted XXXX XXXX and XXXX XXXX District court about which they gave me supporting paperwork indicating that Equifax did not get the information that they are reporting from them. 
I forward these copies to Equifax in XX/XX/XXXX. Theres been no responds so I sent a XXXX XXXX   Compliance letter disputing th bankruptcy and 4 accounts with remarks : included in bankruptcy. 

I explained that items included in bankruptcy cant be reported to the credit bureaus since they were under bankruptcy, which isnt mine. 

During the time I have been disputing the above items on my credit report my report was not updated within 30 days that I was disputing these items which is a violation of the FCRA section ( 602 ) ( a ) ( b ). 

Despite proof that XXXX XXXX letter states theres a credit freeze on my account for two years Equifax claims to have verified this information with XXXX XXXX which cant be true. 

The items listed on my report with the status : included in bankruptcy should be deleted since thats a reporting violation of the bankruptcy laws and they dont belong to me. 

When I contacted the creditors they could not provide me with a contract with my signature and XXXX XXXX mentioned this account didnt belong to them which Equifax is reporting incorrectly as being delinquent XX/XX/XXXX when it was closed in XX/XX/XXXX. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX  # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-07-21
Company: PREFERRED CREDIT INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collector claims I owe them an arreas of $ 3500+ Which in fact I have no knowledge or ever making an agreement with this business. This company constantly, calls me and leaves voice messages, send me emails, mail letters and just today they came over to my property and left an envelope with a document. This harrasment needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Global Lending Services LLC
State: MD
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:
On XX/XX/2023, I requested documents from Global Lending Services and I have not received a response for the request. The letter is as follows and will be attached. 


I am requesting information for Account XXXX XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment.

It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. 

Respectfully, ( My name )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: FIRST HORIZON BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a business banking account with XXXX in XX/XX/2020. I received a SBA loan and was approved. They asked me to see a copy of my original loan application from a 3rd party. I provided my signed disclosures for the loan as it was approved they returned my funds back to SBA without my consent. When I reached out to the bank I have not received a response. They discriminated against me. I told them I have never heard received a call from XXXX bank until my funds were deposited. They told me they thought it was fraud. When I provided my documents they still wired my money back without a explanation. I informed them my information has been confirmed through SBA. I am not requesting any products from them why are they asking me for my taxes and what do they intend to do with it. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is a follow-up complaint to my original complaint # XXXX. My attorney had to send another letter to Barclay. On XX/XX/2020 Barclay responded to my attorney, Ms. XXXX ( only after filing a complaint with you ). My attorney had originally wrote to Barclay back in XX/XX/2020 with no response. In Barclay 's XX/XX/XXXX letter to Ms. XXXX a letter addressed to me ( XXXX XXXX ) dated XX/XX/2020 was enclosed. This letter references attachments, which were not provided to Ms. XXXX. Overall, I NEVER received this letter from Barclay. So, we are still at square one. We do not have any documentation / proof of what the original loan agreement says, how much has been paid toward the loan, where Barclay comes up with the interest. And even though they offer to remove the interest and add a {$100.00} goodwill statement to my account, I never officially received a letter from them and I do not believe they credited the most recent payment I had made in 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 2023-10-26
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/21 I applied for an increase on my Nordstrom card. I was denied although I have paid my card in full and never missed a payment. I requested a supervisor to override the decision and refused. As I know a company can do a reconsideration based on However, note that issuers are required to reconsider your applications upon request. Under regulation 1002.6 in the Equal Credit Opportunity Act, it states that creditors shall consider any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicants. I will like an increase or they can just close out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-08-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On the XXXX XXXX XXXX Monday afternoon I stopped at wellfargo bank ATM on XXXX XXXX XXXX XXXX XXXX and because I have two XXXX in the car I sent my XXXX to withdraw and I parked where I was able to see him at the bank lobby he withdrew {$140.00} from the checking account and later in the day like past XXXX  I noticed a check of {$830.00} was deposited into my account and {$800.00} withdrawn. 
I never got any check from anyone neither did I make the withdrawal and on the XXXX of XXXX been the next day I called the bank and filled a complaint and they never called back with any resolution till I called back today XXXX and they told me that the closed the claim because they cant pay! So how can I defraud my self?? 
Who owns the check? 
Who withdrew the {$800.00} Where is the footage of the person that deposited the check? 
Please I need answers, how can my salary disappear from my bank?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect information on my credit report. Addresses and Phone numbers. 
XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2022-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In XX/XX/2021 I requested a credit report. I only wanted a one-time report, but Transunion enrolled me in a monthly monitoring program without my knowledge or consent. I would like to be refunded all the amounts they charged me for the monthly service which I did not request.

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 2019-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/18 Cap One made an unauthorized fraudulent hard inquiry to my XXXX  report. Attaching my victim statement/police report for identity theft. XXXX  instructed me to contact each company making fraudulent inquiry, individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Maximus Education, LLC dba Aidvantage
State: OK
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: Problem with personal statement of dispute

Complaint:
Ive attempted to fix this issue many times through disputes. My account has been paid off for several years and closed. Creditors are not legally obliged to report at all. It's a voluntary practice. I am requesting that this harmful account not be reported to the major bureaus anymore.

Company response to consumer: Closed with explanation