BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I currently have four fraudulent accounts appearing on my credit report. 
XXXX. XXXX and XXXX {$16.00} XXXX. XXXX XXXX XXXX {$240.00} XXXX. XXXX XXXX {$190.00} XXXX. XXXX XXXX {$230.00} XXXX. XXXX XXXX XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have disputed the account XXXX times and have sent in all my information to verify it is myself making the request. I have requested for a full file disclosure and have no received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: IL
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:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC  ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have Federal Student loans that were serviced by Navient/Sallie Mae starting in roughly XX/XX/XXXX, but perhaps prior to that date. Of course, I had no choice in the matter as to whether I wanted Navient/Sallie Mae assigned to me. During Navient/Sallie Mae 's time as my servicer, I made payments that I was led to believe were Income Driven Repayments which were verbally certified to me as such by Navient/Sallie Mae 's customer service teams. The reason for me choosing IDR payments were twofold : 1. So that I could manage my personal budget better ( I am a XXXX XXXX XXXX and could not afford the monthly payment ) and ; 2. So that I could be eligible for the Federal Government 's PSLF Program ( Public Service Loan Forgiveness ) which was signed into law in XX/XX/XXXX.

When I recently was contacted by my new servicer regarding my PSLF status, I learned that Navient/Sallie Mae reported that I had made XXXX ( XXXX ) qualifying payments, which is completely contrary to what they were leading me to believe I was doing from the time period when they were my servicer. When I have contacted Navient, they deny any records and claim that I have to contact Sallie Mae, and vice versa. Furthermore, Navient/Sallie Mae reported to my current servicer that I was in forbearance during periods of time which I believe are inaccurate. I am acquiring bank statements to prove this fact. Navent/Sallie Mae should credit me with the proper qualifying payments, and if need be count my payments that were made during forbearances that I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: NY
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 called NELNET on XX/XX/2023 I tried to get in contact again both via email unsuccessfully, and on the phone. They do not respond with anything helpful, and do not pick up the phone ( today I was on hold for over an hour and a half until I finally gave up ). 

Nelnet has been blaming the department of education and anyone else they can for their incompetence. I have been trying to get my loans off a forebearance that I was wrongfully placed on since early XXXX. This was a forbearance that I opted out of on 2 different forms ( minimum ). The first time I called the rep told me I need to call the department of education. I called the department of education and they told me this was incorrect. I called NELNET again ( extremely long wait time I had to miss a few hours of work for ). The representative on the phone blatantly lied to me and did not do anything to remove this forebearance despite claiming it would be removed within 2 weeks and all interest accrued would be corrected. 

Yes, CONVENIENTLY for Nelnet this problem occured when interest started accruing again, and they have been charging me interest on my loans that I have no way to set up autopay on ( SAVE is supposed to forgive any excess interest that isn't covered by the monthly payment ). When I called them they lied to me and told me they would remove the forbearance from my account- which they didn't do. Here I am stuck holding this ticking time bomb. Begging for help in any way possible. I am considering giving up and going on strike. My life is already ruined by these loans anyway. 

Meanwhile Nelnet sends me emails that don't make any sense. They have given me 5-6 different monthly payment totals. I have no idea who to contact or how I can get this resolved. I have tried calling the us dept of education ( federal student aid ) and they can't do anything about it. They says it's managed completely by NELNET. 

I can't believe these are federal loans being managed so poorly, and at MY expense. I have no idea how I will ever have a life that is not in a chokehold from the crippling debt, the system state of chaos, trying to understand the legalese, from my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have an identity theft issue. So I paid for a subscription for credit monitoring. Never received any information from them. Bought it in XXXX. I live in New Jersey and some how they have been sending them out to my sisters house in Florida. Everyday a new one has arrived since XXXX. Had my sister open one and sent me a picture. So I can try to fix the problem.. but after talking to customer service for XXXX mins. They told me that they are not allowed to give me the XXXX information.. so I told that I already sent them the XXXX  report about my situation..and would have no problem filling out another one with the person whom I was speaking with. And that they would have to be part of the investigation. After that I was provided with the managers information and spoke with him. Not to mention that I already submitted the some information to the XXXX other credit unions. All of my information on there sites are accurate now. The XXXX finally told me that the letters ( XXXX letters ) didnt come from his office. So I contacted the offline credit monitoring. He said that he didnt know what happened. I told him I was aggravated that they would put that much of my personal information out therenot that my sister would use my personal information. That is easy for people to use the information they sent to the address.. to open new accounts with just the basic information provided in the XXXX letters they sent. I am not happy with there services. Even after I sent them the police report and all the documents they requested. I still dont have access to my report.. because they said that I have to send it all again to the credit monitoring service. Its hard enough dealing with the identity theft impersonating myself. Having to pick through all of there accounts and changing my name. Trans union is not professional. You can contact me at XXXX. ( XXXX ) XXXX. Thank you for your time.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted XXXX regarding the freeze lift and it has yet to be done and also the credit bureaus are reporting incorrect credit information. All three bureaus are consistent with there reporting. 

Since file a case of XXXX these XXXXXXXX XXXX have gone above and beyond to make my life a XXXX XXXX 

Please, call you assist me with this please.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: NH
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 got an alert a late payment was reported on an account when I checked my credit report I saw an account I did not recognize.. I XXXX the company.. called them and they said my address was not the one on file.. I explained I never applied for nor had a card with them..they sent me to the fraud dept. I explained to the fraud rep the situation and he was very rude I asked what I needed to do and could I have the account number and the address to put in the police report he stated no.. that is private info and hung up. I reported the fraud to Experian and disputed the info... I received notice that they verified the account and it is accurate.. It is NOT accurate, it is not mine ..this is fraud/ My credit monitoring does not show any credit card approved for this lender.. no inquiry nothing until the late payment was reported. I check they date it says the card was opened which would show on my credit monitoring. I had my credit file locked at the time this shows it was opened so no credit cards should be able to be issued if my credit file is locked. I can prove this with my experian account. I need help to have this resolved and taken off my report. Also, the company that issued it is still showing the account active and open despite 3 calls informing them it was stolen identity and fraudulent.

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 2022-04-12
Company: EQUIFAX, INC.
State: CA
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:
While reviewing my Equifax Credit Report, I notice that Equifax is still reporting a collection account on my credit file in which Equifax is unable to verify that it is my account. XXXX XXXX XXXX has sent me a letter, in which I sent a copy to Equifax stating they, XXXX XXXX XXXX, is unable to locate an account with my name and address. Yet, Equifax continues to report this collection on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XX/XX/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 2022-04-12
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/2022 XXXX XXXX / {$0.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I just recently redeemed XXXX  Thankyou points as it was stated that I had XXXX points expiring on the Thankyou website- believing that this would be an accurate number. However recently Citi reduced my balance by an additional XXXX of points that were not shown as expiring as Citi doesn't actually give an accurate account of expiring points ( after some research on the Web it appears this is a known issue with their site ) .. As I as a consumer relied on Citi 's system to show me the proper balance that was expiring ( hence the reason I took action and transfered the points citi was showing as expiring ). I only transferred the XXXX  points to ensure I didn't forfeit any. Had the balance shown the correct amount I would have transferred them to a partner prior to expiration, but relied on the improper account as shown in the screenshot below. I ask the following :. Please return the XXXX   points into my account and extend the expiration a nominal amount so that I can redeem them. 
2. As I have looked into this incident on the web it appears customers of Citi have had this issue with displaying improper expiration since at least 2016. As this is a feature consumers rely upon, I request your IT department look into fixing this. Showing improper amounts and then forfeiting points of customers who rely on this as an accurate number from Citi strikes me as abusive and I myself am frustrated in having to spend significant time correcting an issue that appears to have been known by Citi for quite some time.

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 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Greetings from XXXX. 

{$8200.00} deducted from my Bank of America Account ( XXXX ) onXX/XX/2023 without my consent, Matter escalated to Bank of America and they said they can not do anything about it despite transaction was in process. 

Feel free to contact me at XXXX XXXX XXXX XXXX Thanks

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 2022-04-12
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/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 2022-04-12
Company: EQUIFAX, INC.
State: OH
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  Account ... XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, Dept Of Education/XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I bought {$200.00} XXXX gift card using my Discover CREDIT card. 
When I tried to use it, the barista at XXXX said the cards had {$0.00} balance. I contacted XXXX and they kept giving me a turn around. They said someone would email me regarding the result of investigation. Then I got an email from XXXX saying I needed to call to have the matter looked at. Then it went back and forth for several times without a solution. So I contacted Discover asking for a charge back ( that was what credit card customer service was for : to assist customer with situations like that ). Discover said they could not help any situation involving customers and merchants ( even though the customers were cheated ). 
Card number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: CA
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 on XX/XX/2023 to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

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 2018-10-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  is reporting the wrong information to the three credit reporting agency. I have disputed this account to XXXXr Card, XXXX, Equifax and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the XXXX XXXX XXXX ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX Card responded that the information being reported is accurate. I sent certified mail to XXXX, XXXX and Equifax in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX XXXX, XXXX, Equifax and XXXX. 

My credit history should report the payment being charged off in XX/XX/XXXX, not XX/XX/XXXX. On Equifax, it is reporting multiple charge off months and late payments but none of my  on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.

Company response to consumer: Closed with explanation