BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I would like to submit a complaint regarding my private student loans with Navient. For the past couple of years, I have went through years of nightmare dealing with my private student loans. I could n't afford the monthly payment earlier in my career making less than 20k a year because of the interest rate was so high. 

Graduated College : XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX- My salary ranged from 52-65,000K XXXX Children and Married. 

Private loan monthly payment : 1300+ a month My Private student loan has official went to charged off : XX/XX/XXXX I have received summon papers on XX/XX/XXXX from XXXX and XXXX XXXX and XXXX dismiss lawsuit on XX/XX/XXXX after I hired a lawyer in XX/XX/XXXX During the following year, I have regularly watch my credit report and notice problems with my credit report and improper use of my report. Below is the activity on my credit report, but still shows after removing it. 

XX/XX/XXXX- 2 Navient Student loan was removed from my XXXX account XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX-2 Navient Student loan was removed from my XXXX account Dept. of Education- Loan increase {$1500.00} extra Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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: Account status incorrect

Complaint:
On XX/XX/2022 i opened a credit account. Both my TransUnion and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-13
Company: Blitt and Gaines, P.C.
State: IL
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 received a phone call from my HR department informing me that a wage garnishment was sent to them regarding a debt collection settlement. When I called the county clerk I asked about this case number. That is when I was informed that a court date was set for garnishment. I explained that I was never notified about a court date. The county clerk told me that I was served. I told them I was never served. The clerk told me the name of the person who was served. The person that was served was a XXXX XXXX XXXX kid, who is a minor, on XX/XX/XXXX and that a judgement in favor of the collection company was issued on XX/XX/XXXX. I never saw the paperwork. I never received mail. The address on the paperwork is not correct either. The court date set for garnishment is XX/XX/XXXX XXXX  and XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Asset Recovery Solutions, LLC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX promised it would help obtain more desirable jobs and higher income to better their lives. 
XXXX targeted me, I couldn't afford to pay its high tuition out-of-pocket. Therefore they pressured and coerced me using aggressive tactics into several high fee, high interest private loans to cover the gap that I could never afford to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: EQUIFAX, 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 have been a severe victim of identity theft, from taxes being file in my name to fraudulent accounts displaying currently on my credit file. I have taking the liberty to file identity theft report and sent to Equifax Credit Reporting Agency. I was told by Supervisor in the Fraud Department with Equifax. Mr. XXXX in Nevada location. I can have the items in question blocked/Deleted from my file by completing a FTC identity report and sending it to Equifax. Well on XX/XX/2019, I sent the requested theft report and the accounts in question is still showing on my report as of XX/XX/2019. I faxed the document to Equifax using the fax number Mr. XXXX in Nevada location at XXXX. He stated that it will take 5 to 7 days after I send it to be updated in there systems. It has been over a month and the following accounts listed is still showing on my credit file. I am reaching out o CFPB in order to get this urgent matter resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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 AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Yes back in XXXX  I think can't remember exact dates. Wells Fargo made me lose my home. They said I had owed them {$5000.00} and that was not true. And they said if I didn't pay we would lose our home. Well I was laid off my job at that time and we were not able to pay {$5000.00} for something we did not do. So we ended up losing our home because of Wells Fargo

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 2020-03-11
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
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: Problem with personal statement of dispute

Complaint:
According to the Fair Credit Reporting Act Section, 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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:
Experion is making up false. ( score factors ) to diminish scores. cfpd did an inquiry on my behalf .EXPERION did not answer the inquiry. Instead EXPERION gave CFPB the result of a dispute. With XXXX XXXX XXXX XXXX. A coverup. I only want to know where the information in my Score factor about a mortgage comes from, when I have no mortgage.? So remove it from my score factor because its not on my record.

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 2021-11-27
Company: Albert Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to use my " Albert '' prepaid debit card on Thursday XX/XX/XXXX at the gas station. The transaction kept failing. I checked the account funds were/are available however it shows " your card is currently unavailable ''. It usually shows the virtual card however now it doesn't show any information other than my name. 
I have sent text messages, emails, called XXXX XXXX called customer service. You can't speak to anyone about your account, refers you to the app to send email or text. 
My direct deposit goes into this account, I can't buy food, get my medication or pay my rent. No one has responded to me. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG 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 2023-01-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
JP Morgan after banking with them for several year has now " locked my profile '' and disabled my ablity to log-in online for two days in a row. 

They have claimed that this was due to a " negative '' account balance, when that occurred in only 1 of two accounts I have due to a unrecognized/fraudulent transaction. 

After calling to plead with them to allow me to get back into my account, they granted it. Only to lock up my funds in my investment account with them and now allow me to transfer any funds out claiming the account was " restricted ''. 

And they've decided to " close it for businesses reasons '' on the second day ( just a few moments ago ) with no explanation. 

In short, they're freezing my money. And clearly violating the XXXX legislation by being able to see both my deposit and investment accounts and admitting to it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
iq data i never lived in XXXX new jersey. XXXX i never owed and this is not my debt. this is illegal i suffer from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of Equifax Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. I keep writing messages that I want this item to be removed however I am absolutely ignored. This item is not mine and it has never been related to my accounts at all. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, So there are two debt amounts that they are claiming are from 2021 which I have no knowledge of and I never received any notices or statements from them. I have already sent them a letter through certified mail from my attorney stating that I wanted a debt validation as well as it removed from credit report. It also violates my HIPAA rights for them to sell any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: BMW Financial Services NA, LLC
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 dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX and XXXX its hard to focus and deal with this situation. Its not my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: DE
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:
At this point I have {$150.00} rewards on my credit card. When I tried to redeem {$100.00} for XXXX gift card by phone ( XXXX ) the operator with heavy foreign accent told me that she could not redeem but I have to call another number although it is this number indicated to redeem. When I tried to access my account on line I could not do it for no apparent reason. I was blocked access. I need to redeem {$100.00} for XXXX gift card but apparently there is no service Citi Bank provides to to do that.

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 2017-09-19
Company: CITIBANK, N.A.
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:
I have a Best Buy XXXX credit card with Citicards. My account number is XXXX. 

On XX/XX/XXXX2017, I was assessed a charge in the amount of {$67.00} from a XXXX store in XXXX, HI. I live in XXXX XXXX, CA, and have never been to XXXX or to any XXXX store in XXXX. 

I disputed the charge on Best Buy 's credit services website. However, they responded, " A valid card on your account was presented at the time of this purchase, '' and refused to remove the erroneous charge, Since I repeat, I have never been to XXXX, and the card was never out of my possession, it is impossible this charge belongs 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 2017-09-19
Company: CarFinance Capital LLC, Irvine, CA Branch
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: Account status incorrect

Complaint:
Carfinance is reaging accounts. I had a chargeoff with them on XXXX XXXX. They were reporting a failure to pay on XXXX XXXX as well as falsely reporting a second failure to pay on XXXX XXXX. When I called them out on this and reported it to the credit bureaus, they then placed a last payment update as of XXXX XXXX, XXXX. I have not made a payment to this company since XXXX XXXX. It is illegal to report false payments and reage the account so that it stays on my credit report longer. This is fraud.

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 2023-05-09
Company: EQUIFAX, INC.
State: NV
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:
Despite several written requests, the identified account continues to report on my credit report without my consent and in violation of federal law. This account shall be validated as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In the event that they fail to confirm this account, I will file a lawsuit against them. Please uphold the law so that this matter can be resolved as promptly as possible. 
XXXX XXXX Balance : {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX/XXXX  XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, a check was requested for the balance in my Venmo   account, now closed. The amount of XXXX was left as remaining balance at time of closure, it is now XXXX and no check received. A close out check was requested for a prior Venmo  account, which was sent right away. In this case, it appears Venmo/Paypal is stalling on the matter, it is almost a month since they supposedly requested the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: SANTANDER HOLDINGS USA, 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: Investigation took more than 30 days

Complaint:
I settled the account in XX/XX/XXXX. They told me verbally that they will closed and delete account in credit report. 

XXXX Santander told me they wont be able to delete the account, however it was going to be deleted XX/XX/XXXX XXXX Santander reported my account that was still not paid. 

XXXX Santander told me that my account will be deleted XX/XX/XXXX XXXX Santander reported my account inaccurate and now they are telling me that it will be removed on XX/XX/XXXX. 

Santander Consumer USA acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Everything has been disputed through XXXX XXXX, experian and verbally. I am very confused and would like this deleted from my credit report, which is affecting my credit score and my options of moving forward with my personal life. 

Thank you for your support and understanding, XXXX XXXX

Company response to consumer: Closed with explanation