BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
2010 I filed bankruptcy and completed school at which time these loans were serviced by Sallie Mae then turned over to Navient. Since 2010 Navient has continued to defer my payments by computer. I never spoke with anyone to review repayment options since I've been employed in the social service sector since prior to 2010 until today. Navient has caused this issue because they failed to educate, explain and make suggestions based on finances. In turn they continued to let my account accumulate tax and fee totaling o er XXXX, I only make XXXX with two children. Since the pandemic I've been out of work and have a child in college its difficult and I worry. This shouldn't be especially since I've been employed all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have submitted challeges of account on my credit report to transunion, XXXX and XXXX ... .all 3 say that this account is verified as reporting 100 % accurately ... .how is this possible? i have tried to challenge this account with the " original creditor '' ( XXXX XXXX ) each time they are being returned by the XXXX stating that the address for XXXX is unknow ... .I am mailing this to the address that is provided to me on my credit report for this creditor from the 3 credit bureaus..attached is proof ... how are they conducting proper investigations and coming back as verified if the 3 bureaus are providing an inaccurate address for this " creditor '' ... this is a violation delete this account now

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 2019-09-12
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The original creditor was XXXX XXXX ( XXXX ) the reason for my debt when I moved from my townhouse to my new apartment my apartment complex had an contract with XXXX XXXX XXXX so I inform XXXX XXXX ( XXXX ) of my situation. I spoke to a XXXX ( XXXX ) representative about my situation she asked could I pay my balance in full and I said no she said you can make payments but make your sure you make the payments within 30 days so it won't be reported to collection and she asked for my new mailing address in case XXXX ( XXXX ) need to contact me so I paid on my account within 30 days every month. A couple of months later I get a letter from a collection agency called XXXX XXXX they inform me they were were working for XXXX ( XXXX ) and explained to them that I was paying XXXX ( XXXX ) something every month to keep this debt off my credit report and XXXX XXXX also agreed to a payment plan witch I had them to automatic draft {$10.00} a month to protect my credit. I noticed months later XXXX XXXX stop sending my receipt so I called them and they inform me that XXXX cancel their contract. I called XXXX ( XXXX ) and wanted to know do I started back paying you because I don't want this on my credit report XXXXt ( XXXX ) told me to contact Sequium Asset Soluti. I contacted Sequium about making a payment I also asked why they didn't contact me the representative they sent a letter out to my old address XXXX ( XXXX ) failed to give Sequium my mailing address they only gave Sequium my the address where i had service at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas not my new address XXXX XXXX XXXX XXXX XXXX, Texas so i wasn't notified of the change of company. I asked the Sequium what do i need to do first he said could you pay in full i said no I wanted to make a payment I said {$10.00} he said that was to low so I said {$48.00} and you can draft the rest out of my account each month in the sum of {$40.00} so it won't go on my credit. The next day it went on my credit report so now i need it to be paid in full if he would have said no matter if you pay payments its still going on your credit report i would have paid it in full. I was also told it would be removed off my credit after i paid in full it's still on my credit I don't have any negative reports on my credit because i am trying to get a home for homeless veterans. I was lied to by Sequium they are some criminals which XXXX has a lot of complaints against Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I called TD Bank and spoke to XXXX  ( call center badge ID number XXXX ) regarding the inaccurate reporting of my account to the CRA 's. XXXX indicated that htere was nothing she could do. I asked to escalate the matter to her supervisor, she indicated her supervisor did not take calls. I asked to escalate the issue to another supervisor and XXXX responded that she was the HIGHEST point of escalation and there was nothing further she could do. 

I attempted to correct the issue first through XXXX  ; however, every time I filed a dispute the balance came back as confirmed at {$2000.00}, when the balance is actually {$1000.00}, a difference of ~ {$1000.00}. 

On, XX/XX/XXXX, I attempted to resolve the issue again, to no avail. I called TD Bank and was disconnected ( or hung up on ) after being on hold for over 30 minutes. As a result, I did not get an opportunity to speak to the dispute department as a result. 

TD Bank 's inaccurate reporting, combined with XXXX 's disregard for the issue has impacted my ability to secure financing for a new home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter out on XX/XX/2022 to XXXX, Transunion and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction.

The term " investigation 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 stained 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation.

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 2022-10-27
Company: Cascade CISS Holdings, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been working with a mortgage lender who indicates that I have a higher rate quoted because my credit score is low. XXXX and XXXX have updated the scores on my reports, but XXXX ( who the lender obtained the report from ) has not updated my credit score/report since XXXX which has impacted my loan rate. 

I logged in and obtained a screenshot for your review- there is no valid reason why my score/report is/has not been updated in over 5 months and now I have to pay a higher mortgage rate with my lender for a property I'm obtaining. 

I will NOT tolerate this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
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: Account information incorrect

Complaint:
I have provided the accurate payoff statement for this account that is reporting as late payments in error and Ive provided valid evidence to support my claim ; i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you UPDATE!! my payment status to PAID AS AGREED NEVER LATE ( PAANI ) immediately XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account XXXX XXXXXXXX Original Balance : {$62000.00} Status : Paid/closed ( 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 2023-07-14
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2021-07-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 47 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives a reason to immediately remove those items from my credit report it has been over 47 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stressed you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have talk to the consumer with no luck also talk to credit report I have taken care of all they wanted but yet to change my report also they are wrong only one of the reporting place have this other have no record of problem trying to buy a house need this resolved

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 2023-12-06
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I explained to Santander Consumer USA that through an audit that I was requesting that they will find out ; 1 ) My application was manipulated. 2 ) I would like to see it. 3 ) The car sale was grossly inflated. 4 ) My credit score at the time was close to 700 and there was no need for me to even be affiliated with Santander. 5 ) I did not agree to a {$560.00} car payment. The salesperson said it wasn't the final paperwork. At the time I was XXXX  and by myself and believed that I was taken advantage of and was not aware that Santander was picked for my finance and what they represented. Santander Consumer USA repossessed the car and resold it making money. There is a balance of {$7800.00} that they continue to report charged-off monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

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 2023-08-30
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ARRGON AGENCY INC XXXX XXXX XXXX XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$92.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-12-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1

5 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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

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 2022-12-08
Company: Experian Information Solutions Inc.
State: NC
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 reached out to Experian to asked that they block fraudulent charges on my credit report pursuant to 605B of the FCRA. The fraudulent charges are from XXXX XXXX XXXX. I explained to the representative at Experian that the company had not provided any documentation to support and validate these fraudulent charges and that they are required to block this information within four days and to let the furnisher know. They refused to do this because they did not have proof of identity. I sent Experian an up to date drivers license and a registration card to prove my identity. They still have not done their job as a bureau to remove these charges. XXXX and XXXX has already verified the information as fraudulent and removed the items immediately. In the beginning there was 6 accounts and out of the 6 Experian only removed 3. Which leaves the last 3 fraudulent items. I ask that the CFPB help me litigate this inconvenience if a matter so that I may begin to start my credit report fresh and without fraudulent activity. Ive attached letters Ive sent and their response to the letter. However, I did not upload my proof of identity because this description may be published. Experian has this information already.

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