BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: Navient Solutions, LLC.
State: AL
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 submitted my annual recertification for XXXX in XXXX of this year. The certification is handled by the government at student loan dot gov. This year, they have not submitted the certification to all of my federal student loan service provider and I have been paying twice the amount I should be paying for the past XXXX months. Ive tried to explain to student loan dot gov that I need them to submit the certification to Navient. Instead, they have told me that all Navient loans have been transferred to another service provider call XXXX. This can not be accurate, at least as of this date, because I continue to make payments to Navient and have never been notified by XXXX. Regardless, none of this is my fault and I shouldnt have to sort through the various transfers and processes these companies perform. Moreover, I should be better assisted by the Dept of Education as they have taken the responsibility of notifying my servicers of my application and recertification. Instead, they keep telling me to contact Navient or XXXX to discuss why my payment is too high. Dept of Education ( on this date XXXX ) can not every grasp the issue that I need for them to send my application to Navient. They are relying on bad information and if this is happening to me, you can bet this is happening to others. For whatever reason, Navient has retained my account in their servicer profile and the Dept of Education refuses to believe it. If, perhaps I am going to be serviced by XXXX, that is fine but their presumption is premature and has continued to cause me to pay XXXX per month rather than XXXX. Its an insurmountable amount of money and I have been so confused these last few months that I have even considered taking our a personal loan to pay off other debt since I cant afford to pay my other bills right now. I have had to ask my husband for money to help me pay my bills these past 4 months. This has real life consequences for people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: NY
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:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXXXXXX XXXX, and the three credit agencies. Due to the fact that XXXX XXXX is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries :

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 2023-07-08
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report has a late payments for apple credit card and its affecting my credit score I wanted to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

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: EQUIFAX, INC.
State: NY
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:
NOTICE TO CEASE AND DESIST XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated XX/XX/ ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: IN
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 Dept of Education XXXX Dept of Education 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 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 7 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 2023-05-21
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I received an account statement after I gave the company a cease and desist. I called to verify that I was indeed on a cease and desist list and verify that I was not to receive any more communication. At first they could not find my account in their system, and then they put me on hold. Then I was given the phone number ( XXXX ) XXXX XXXX and told that they were the only people that could help me with my account. I insisted that I just want to be put on a cease and desist list, and that I have no desire to speak with anyone. I was told that is not possible and I must call the number. So then I asked who was on the other end of the number. The support person did not know and could not give me any information on who she was requiring me to contact to take a cease and desist order. I asked if the conversation was being recorded, explained the serious nature of the request and asked If I could have a transcript of the call. She refused and insisted that I call the number. So I called the number. I was greeted by an automated system that told me I needed to answer questions to determine if I am eligible for something - an advertisement. totally inappropriate... Then it asked me if there is someone over XXXX XXXX XXXX in my household, press 1 for yes. I did not press anything. It asked it a second time. When I didn't respond it asked my my name and the reason for calling. Note : I still have no idea who I am speaking to .... Then before I could respond, it terminated the call. I am the victim of a crime. I am receiving anonymous threats. I am a party to multiple bankruptcies and fraud cases. This is harassment and it is totally inappropriate and it is reckless and dangerous.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of accounts in my consumer report. It has come to my attention that these accounts were reported without my written consent, which I believe is a direct violation of my rights under 15 USC 1681b. This section of the law specifically protects consumer information and mandates obtaining proper consent before reporting it. 

I have already taken action by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number : XXXX. Despite my efforts, I have encountered difficulties in resolving this matter. I have made multiple requests to the creditor for removal of these items, only to receive unsolicited documents that I did not request. My complaint is directed towards your credit reporting agencies, as it is your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in a consumer 's file identified as stemming from alleged identity theft. Therefore, I kindly request that you adhere to this legal obligation and promptly remove the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX I expect these accounts to be removed within the time frame specified by law, which is no later than four business days after the date of your receipt of this letter. Your prompt attention to this matter is crucial in ensuring my consumer rights are upheld.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX does NOT report anything positive on the credit report since it is considered a business card but the ssn was used in order to obtain a credit card. When called, both times, the representative stated that the accounts are reported to XXXX & XXXX. However, XXXX XXXX reported an inquiry on the personal report without consent. 

A letter was sent to the XXXX, XXXX XXXX, demanding the removal of such inquiry and they denied it, stating it was done according to the contract. 

This is untrue because according to the Credit Reporting Act 15 U.S. Code 1681b, it unlawful to obtain a credit report/inquiry from XXXX, XXXX, Equifax, XXXX without authorized and permissible purpose under the FCRA. 

A letter was sent demanding they remove the inquiry and pay {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COLLECTIONS / CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT
THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION.

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL . THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2:THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS
I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL c

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CITIBANK, N.A.
State: MA
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:
In their letter of XX/XX/XXXX attached to this complaint Citigroup representative XXXX XXXX provided me with the following information : " Our investigation found that we previously requested that information be removed from your email messages. However, a subsequent request reversed the adjustment. We have again requested that the information be removed. 

Please allow up to two billing cycles for that to take effect. If after two billing cycles, the account information has not been suppressed from your statement email notifications, please call me directly at the number below, Monday through Friday, between the hours of XXXX XXXX and XXXX XXXX ( ET ). '' It appears that XXXX XXXX of Citigroup provided me with false information since the sensitive information had not been removed from Citigroup 's statement email notifications. Citigroup 's response of XX/XX/XXXX, which is also attached to this complaints, stated that Citigroup is unable to protect my personal private information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2017, I agreed to be XXXX  over my sister 's estate ; I have an XXXX, but the bank I was dealing with ( XXXX XXXX  XXXX said they needed to have my SSN. As time went by, I was/am still waiting for an attorney 's office to release funds, so I did not try to close the account. The estate bank took the last amount that was in the account for fees; charged me for non-payment of extra fees; turned my name and SSN into a collection agency ; and closed the account. I paid ( out of pocket ) the amount that the bank said I owed them, but the bank said this will stay on my record for five ( 5 ) years! Consequently, every time I try to open a bank account, or apply for a credit card or loan, I am denied because of this situation. 

I have tried, unsuccessfully, to get the bank XXXX XXXX XXXX  ) to have this information removed from my name/SSN. I called the Social Security Office, explained the situation and asked if they could help me, since my SSN is involved ; I was told nothing they could do. I recently applied for a credit card and was denied ; information has been put in my credit reporting files. I appreciate anything you do to help me in this situation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2023-02-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because there are inaccuracies with Experian on my 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 non-monetary relief