BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after Navient responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XX/XX/XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by Navient 's agent ACT ( collection agency ) as of XX/XX/XXXX, the account was listed as settled in full and closed meaning it was sent back to Navient to update on both of our credit reports among other things. However, Navient still has the account status listed as a charge-off. Additionally, on Navient 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and Navient refuses to uphold the terms of our settlement agreement. ( See attachment : Updated Navient Settlement Agreement ).

A settlement agreement was made by Navient 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while Navient has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that Navient concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with.

According to Navient 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan.

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence.

Further, I am alleging that Navient entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to Navient as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to Navient as " settled in full '' and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hi there, to whom it may concern I was injured from my job, due to the injuries from my job I was terminated since I was incapable to perform my job responsibilities, I reported my financial problems to Kohls XXXX explaining I had no financial income to pay my kohls credit card since I was let go from my employment, 5 years in XXXX Im finally being able to XXXX. I paid Kohls the XXXX XXXX  and change I owe. I hired a credit card fix company to remove my negative points and report from my credit history. A year in a half and kohls store agency still have not remove my past credit history after I paid them on top of speaking to an agency representative from kohls who stated they would remove the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
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: Personal information incorrect

Complaint:
I have noticed personal information that should not be furnished on my consumer report. I have given proper documents to verify my identity My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX all other addresses you list on my report are wrong. except for XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. 
they are in clear violation of theese laws. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ),

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-03-28
Company: WELLS FARGO & COMPANY
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:
Wells Fargo has had the tendency to randomly put my deposit funds on hold because they exceed XXXX dollars. They say it's policy to hold funds over that amount but when I use another account they don't put holds. I feel either its a rule or not a rule, because it gives them their own justification base on the mood their in to execute hold on people 's account. It's never been for status of my acct. this is my 10th deposit they put a hold on a check and my notice is the next day to my email. Not during my deposit transacrion where it says my funds will be available next business day. It's been several times during my night shift hours that I submit payments at XXXX XXXX in the morning to come to read an email at XXXX in the morning that my funds are on hold. Lastly, technology is so advance, I have verified where some of my checks have been pre process with verification and deduction of funds have been made from my customers banks and Wells Fargo knows, yet they still extend hold for a full 14 calendar days. If they do this to millions of customers, they are prolonging customers withdraws ; how banks are right now, what is stopping us from thinking they are holding funds because they don't have excess funds to issue during this crisis and using holds as an excuse.

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 2021-04-16
Company: EQUIFAX, INC.
State: GA
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:
The following accounts are reporting inaccurate XXXX  days late. I was never XXXX days late on the following accounts : XXXX XXXX XXXX XXXX  days in XX/XX/XXXX XXXXXXXX XXXX XXXX  days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
REAL TIME SITUATION HERE REQUIRES AN IMMEDIATE RESPONSE : SIMPLY! 
THIS CONSUMER OF BANK OF AMERICA SINCE XXXX DESERVES AN HONEST EXPLANATION : TODAY IS XX/XX/XXXX. 
PAYMENT ISN'T DUE UNTIL XX/XX/XXXX. 
WHY HAS BANK OF AMERICA PREMATURELY ADDED {$13.00} TO MY CURRENT BALANCE WHEN THE CYCLE DOESN'T END UNTIL XX/XX/XXXX??? 
HERE IS THE MATH : STATEMENT BALANCE XXXX CURRENT BALANCE XXXX MADE PAYMENT OF XXXX ON XX/XX/XXXX, XXXX 
BALANCE NOW SHOULD BE XXXX, AND NOT XXXX. 
XXXX HAS BEEN ADDED BEFORE THE CYCLE CLOSED : I INTEND TO MAKE ANOTHER PAYMENT BY THE CLOSING DATE, SO PLEASE EXPLAIN THE 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate and validate every piece of information and ensure everything was accurate '' on the accounts I have listed below. I also have attached the letters I sent out certified mail and here are the Tracking # 's. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on the accounts are still not reporting 100 % accurate. And according to the FCRA 15 U.S.C. 1681 everything has to be 100 % accurate. Also I have the credit report showing the inaccuracies. They also violated my rights 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these agencies written permission to furnish these accounts on my credit report as well. 

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 2022-08-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've been in touch with all XXXX bureaus since XXXX  about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.

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 2023-10-17
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:
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-02-19
Company: CITIBANK, N.A.
State: VA
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:
I tried to order a pool cover reel from a vender ( XXXX ), but the order was declined so I pressed the key again and was declined again. I thought nothing of it and looked at other sites. When I received my Citibank card bill I see that I have been charged twice for {$82.00}. I disputed the charges. I tried to contact the company but the phone # they list doesn't exist, also I have not received any product from them. I called Citibank and thought it was all taken care of. What is Citibank 's problem? When I contact Citibank all I get is somebody I can't understand from another country.

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 2022-05-06
Company: EQUIFAX, INC.
State: MO
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:
By the use of MALPRACTICE I have been subject to VIOLATIONS OF THE FCRA by your company. 

As a RESULT I have experienced FINANCIAL INJURY, DEFAMATION OF CHARACTER, JOB DENIAL, CREDIT DENIAL as well as GOVERNMENT ASSISTANCE DENIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: TX
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 the course of my student loan many companies have been involved, I believe that one of them hav not reported my account properly. And showed that I have been late in the past. Have never be late since my payments were made by my former employer.

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 2017-06-18
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use an app called   XXXX   XXXX    Well Fargo is really bad about updating my bank account info for the app to be able to work I keep getting errors that Wells Fargo has not updated my bank account deposits. I have called Wells Fargo and asked about why they take so long to update my information and they say they will have it updated very soon. Same problem every time I get paid. Along with this I recently opened my account I have not had an account since 2004 when I closed my account I opened a new one recently but my debit card says I 've been active since 2004 I have not used Wells Fargo in a very long time and when I asked about my question gets ignored.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: NC
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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-08-14
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: Information belongs to someone else

Complaint:
I have contacted the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And disputed these accounts with them. I asked him to verify the accounts. By way of providing me with some type of documentation, bearing my signature as proof that I am responsible for these accounts. And they have failed to do so, therefore making these accounts on verifiable and inaccurate, which to my knowledge is a violation of my rights according to the FCRA.

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