BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended school at XXXX XXXX University for XXXX school, XXXX XXXX University and the University of XXXX XXXX  for XXXX degrees. At all three schools I was given loans with no problem and now as a XXXX I'm struggling to repay., Previously my loans were serviced on the federal side and at one point was sold to Sallie Mae and now owned by Navient . On at least three different occasions I've tried to complete loan forgiveness to get about {$18000.00} forgiven and most recently I've been denied again. Every time I attempt to repay the payment is so astronomical that I have to stop making payments again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: LA
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 Experian and XXXXXXXX XXXX on several occasions with no resolve. 
I have verified with Experian my Correct Name address and all other personal information. 
Experian knows that XXXXXXXX XXXX XXXX is not my address and never has been my address it refuses to remove this inaccurate address or account from my Credit report. 
Experian argues that XXXXXXXX XXXX gave them this inaccurate information so they cant remove it. 
I have only one address XXXX XXXX XXXX XXXXXXXX LA XXXX. 
Anything else reported on my Credit Report is inaccurate and incomplete. 
XXXX XXXX XXXX does not even show a geographical code or is available on a map in the United States. It does not exist.

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 2023-04-20
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Account information incorrect

Complaint:
Around XX/XX/XXXX I notice my credit dropped. XXXX XXXX XXXX XXXX a charge of XXXX dollars and said I paid XXXX dollars on the account. They also said I had another name on the account. The account they had was not mine the account numbers didn't match. I had an Equifax dispute. The only they did was update the account numbers. The payment of XXXX dollars was not mine. This account has been closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. OnXX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

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 2017-12-17
Company: Experian Information Solutions Inc.
State: MD
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: BANK OF NEW YORK MELLON CORPORATION, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My Company is an XXXX XXXX registered in XXXX with annual filed financials with the XXXX Authourities. I am the appointed representative for XXXX XXXX in a Number of XXXX XXXX. I also provide XXXX XXXX to a number of XXXX customers amougst whom is XXXX  XXXX XXXX. This Company recently sent me US $ XXXX against invoice for services rendered. It was transacted through XXXX XXXX XXXX thru a correspondant Bank Bank of New York Mellon Bank. This Bank seized the funds claiming my Company was involved in Money Laundering. On request all details were provided by XXXX  XXXX to XXXX XXXX. Their initial Ref is XXXX XXXX XXXX Ref on their provision of answers XXXX. The funds are still held by Bank of New York. The real issue here is complete disregard for small business and no means of contacting anyone at bank of New York. I have engaged legal Counsel and intend to sue. As of this stage after over 10 Days still no funds. I might mention that Bank MNellon did the same in a transfer by my Company in late XX/XX/2017 and seized funds destined for XXXX. So they have history that my Company is bonifide.

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 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today XX/XX/2022, I, XXXX XXXX, was denied an extension of credit by Capital One Bank. I applied for the SavorOne Rewards for Students credit card. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Capital One Bank has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter being sent of the denial is both a proof and evidence that I have been discriminated against, you are also criminally liable. Capital One Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2018 I received an application form by mail from XXXX XXXX XXXX XXXX XXXX with the promotion of free membership fee for the first year, and XXXX bonus points if I spent at least {$2500.00} in the first 3 months. I decided to open a credit card. However on XX/XX/2018 I was charged {$95.00} for membership fee. I called customer service representatives on XX/XX/XXXX, and was transferred to a manager name XXXX  ( ID # XXXX ). I was told that my account will be credited {$95.00} in 2 to 3 billing cycle. In XX/XX/XXXX the charge was credited but my account was closed and all my accumulative points were deleted. I called and talked to a manager name XXXX ( ID # XXXX ), she was very rude and unfriendly. She told me that the bank had the right to close customer accounts any time without notices.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-12-19
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXXXXXX XXXX  XXXX has sent XXXX to serve papers on me for a supposed debt from 2007. When asked for any kind of verification of debt they refused to give me any and said I owed XXXX but I could pay them XXXX but all they say is it is a debt from XXXX from 2007. They give me invalid numbers to talk to their client they tell me that SC Statue or Limitations do not apply and I have to pay the debt or go to court. 

Their contact information is XXXX and XXXX when googled nothing comes up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Earlier this month ( XXXX ), I sold tickets on XXXX and selected that the payment be directed to my PayPal account. 
The tickets were sold, monies deposited in my PayPal account, however, when I tried to access the account to have the monies deposited in my bank account, I received an error message on the PayPal site telling me I can no longer use PayPal and that any money in my account will be held for XXXX days after which Paypal will send an email with instructions about transferring my money.

Upon receipt of the message, I phoned Customer Service and was treated very rudely by an agent informing me that he was unable to disclose any particulars to me as to why I was no longer able to utilize PayPay services. 
To be fair, as I recollect, I have maybe used PayPal one or two times in the past, as I prefer to use other methods to make payments. However, to try and rectify PayPal concerns, I provided them with a picture ID and other methods to verify my identify. 
The servicing agent told me that there was nothing he could do to return me my funds and I simply had to wait the XXXX days. 
It is infuriating to me that this company is able to hold my money hostage and not work with me to validate my identity. 
I truly would never to business with this company- nor would I recommend others to do so. 
I would like my money refunded to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  gave me a Loan Modification on XX/XX/XXXX which included Principal Forgiveness. I made all the trial payments. Then I received a letter on XX/XX/XXXX and it stated it was transferring from XXXX XXXX XXXX  to Select Portfolio Servicing , Inc.. 
Select Portfolio Servicing, Inc. then took my Loan Modification and rewrote the Loan Modification with there name on it dated XX/XX/XXXX and referred beck to my original loan in XXXX and added {$150000.00} to the loan amount. Select Portfolio said if I did not sign there Loan Modification note they sent me by XXXX they would do a foreclosure on my home. I was under distress as they yelled at me to sign it.

I told them that is not my original Loan Modification that XXXX XXXX gave me and they cant change my original Loan Modification when it has been transferred to them. They said again if I didn't sign the new Loan Modification they gave me with there name on it they would do a foreclosure. I was under so much distress and they threatened me to sign there note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: EQUIFAX, INC.
State: NC
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 made several attempts to do an open dispute online with Equifax and it will not let me I have updated my current information with Equifax and I know everything that is in my credit file but some reason it will not let me open a dispute this has been an ongoing process in the last month and I need to know why it will not let me do an online dispute. Some of the public information it presents to me does not have anything to do with me whatsoever so I am wondering if this could be identity theft something is just not right. I need to know what steps I need to take to resolve this matter with Equifax and get a free copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: DISCOVER BANK
State: NY
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/XXXX, I was advised by Discover that a payment was not received. The payment cleared in my bank, I filed a dispute and sent supporting documentation to advise of payment. 
On XX/XX/XXXX, I was sent a letter advising that the issue has been resolved and I would be receiving the payment credit with interest. I received the credit and then on XX/XX/XXXX, they took the credit back. I was advised that they never received supporting documentation which is contrary to the letter I received on XX/XX/XXXX. 
I have spent countless hours on the phone and on chats trying to resolve this issue to no avail..I am left with no choice but to report it to here for assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/XXXX I SEND SOME CERTIFIED MAIL TO EXPERIAN ON THE DAY IN QUESTION ABOUT. ACCOUNT NUMBER # XXXX XXXX XXXX XXXX  EXPERAIN DIDN T REPLY TO MY LETTER UNTIL XX/XX/XXXX I NEED THESE WRONG ACCOUNT DELETE PLEASE XXXX XXXX ACCOUNT NUMBER # XXXX THE XXXX XXXX XXXX   ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX WRONG DATA ON CREDIT FILE WHY I SAY THAT IS BECAUSE THERE WAS KNOW DATA GIVEN OR PROVIDE BY EXPERIAN XX/XX/XXXX ABOUT THE ACCOUNT ABOVE. 

I JUST NEED THESE ACCOUNT REMOVED ( DELETED ) SINCE EXPERIAN TOLD ME IN BLACK AND WHITE AND IN COLOR THEY DON T HAVE ANY DATA OF THESE ACCOUNT ON MY CREDIT FILE!!!!!!!!!!! 

I WILL SEND YOU PHOTO COPIES OF EXPERIAN COPY AND PASTE REPORT WHEN THAT CANT GET THE DATA FURNISHER TO REPONE. 

XXXX XXXX XXXX ON XX/XX/XXXX NO DATA WAS GIVEN TO EXPERIAN AT ALL AND I NEVER GOT A REPORT AT ALL FIRST CRIME SECOND ONE IS COPYING AND PASTE INFORMATION OLD REPORT AND REPLACE THEM WITH NEW REPORT NUMBER HAVE HE SAME INFORMATION LIKE THE LAST ONES .. 

THESE ACCOUNT ARE NOT MINES PLEASE DELETE ALL ACCOUNT THAT ARE IN THIS LETTER PLEASE AND FIX MY CEDIT SCORE BACK TO A XXXX LIKE IT SUPPOSE TO BE THANKS U HAVE A AWESOME DAY..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have filed three complaints on Suntrust closing my checking. They closed my checking illegally. I had refunds issued by companies to that account, including from XXXX. The bank has never sent me a check for it- they didnt deny the funds from the refund but have not sent to me. It's been 30+ days. The dates and amounts to my checking refunded from XXXX to the closed account by the bank- they never told me they were closing they just closed it, held funds, refused to give me money until there wasnt activity on account but never warned me to stop using it. Scam. But the refunds were never sent to me : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX among other various active disputes for fraudulent charges to my account on both business and checking accounts. Suntrust never followed up, never issued me a refund and kept the refunds that were indeed issued to me.

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: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: RP Field Services LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX XXXX Applie4d for and job online told failed background check gave me a number to call I that, to date no call back nor told what I failed They me to keep calling for the information, I am a certified Notary I have a background check which I past and two other for jobs I shouldn't have to keep calling for the information XXXX XXXX Reply | Fri XX/XX/XXXX, XXXX XXXX   XXXX Why was I declined, I called and left messages no reply form XXXX XXXX @ XXXX. 

Sent from Mail for XXXX  XXXX XXXX XXXX | Fri XX/XX/XXXX,  XXXX XXXX XXXX, I want to apologize. When we called we were calling from a list of people that had been to our site. For some reason your name was on there. I see where you were declined back on the XXXX. I am sorry about the confusion. I have attached a copy of the email that was sent to you on XXXX about you being declined. I was out of the office that week and did not know. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MS
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:
Ive called the company multiple times no resolution. Stated will call back they never do. Reach out to all credit bureaus and they tell me to dispute, which I have numerous times and no change. The charge off account has been continuously reported since being charged off XX/XX/XXXX. It Also is showing inconsistent balances across the bureaus! XXXX has the account to be opened XX/XX/XXXX, collection/charge off high credit of XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be Paid and opened as of XX/XX/XXXX high credit XXXX payment status unknown last active XX/XX/XXXX last payment XX/XX/XXXX. Equifax has the account to be derogatory and opened as of XX/XX/XXXX high credit XXXX, collection/charge off last reported XX/XX/XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. The account has been settled for less than original amount but a balance still reflects the file. This account has caused me XXXX of dollars, a job and the ability to purchase bc of adverse history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: MI
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 XXXXXXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  : Account # XXXX has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief