BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
According to the STIPULATED CONSENT JUDGMENT signed on XX/XX/XXXX under page 49 of Appendix A of the settlement qualifications I believe I am entitled to have my private loans discharged for predatory lending practices due to having a credit score below 640 at the time of origination. This is in reference to the Navient settlement vs various AGs ' please see below : SUPERIOR COURT OF ARIZONA IN XXXX XXXX STATE OF ARIZONA, ex rel. XXXX XXXX, Attorney General, Plaintiff, v.

NAVIENT CORPORATION, NAVIENT SOLUTIONS , LLC, PIONEER CREDIT RECOVERY , INC., and XXXX XXXX XXXX, " Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM Corporation lenders, subsidiaries, predecessors, successors, and/or affiliates after XXXX. 
Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX  score below 640 at origination to attend a public or a private not-for-profit educational institution. '' I have been attempting since XX/XX/XXXX to receive my credit score information from Navient with no success. I reached out via email on XX/XX/XXXX requesting the promissory notes and loan origination paperwork which I believed would have my credit score on it. 

After receiving a packet in the mail that did not have what I requested, I escalated my complaints via email dated XX/XX/XXXX and also XX/XX/XXXX. I also called into Navient in XXXX and the representative stated he would escalate the request. 

I called in again on XX/XX/XXXX and requested again the credit score report showing my credit scores from XXXX when these loans originated. I still have not received what I requested. I called in again today XX/XX/XXXX and the representative told me it was escalated last week but still had no resolution. 

I am looking for a copy of the credit score that Salliemae pulled on my behalf when these loans originated. My scores were below 640 as I had to have a cosigner on these loans. 

I have attached the copies of my emails and the lawsuit appendix A for review. I believe Navient is deliberately concealing this important credit score consumer information that applies to predatory borrower victims like myself who attended public college as a means to avoid further financial loss to those who do qualify in the terms of the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: AR
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 sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to Experian, XXXX and XXXX upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXXXXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This letter is in reference to my poor experience with Lending Club 's customer service operations, from the loan application submission on XX/XX/XXXX to date. 

On XX/XX/XXXX, after submitting the corrected documents requested around XXXX, the same day near XXXX I received an email from Lending Club to upload the same documents that were already submitted. 

I then called Lending Club customer support to clarify the confusion. I called in around XXXX and spoke to a representative who stated he would note my account the specifics of me being self-employed, not possessing a W2 form, and having submitted all equivalent documents requested. As well as the representative verbally confirming my address information. 

However, at XXXX I received yet another email from Lending Club to upload again my : 1 ) W2/Year-end pay stub 2 ) The 1099-MIsc 3 ) Address document Upon calling XXXX XXXX customer service again, I spoke to a female agent who referenced the notes from the previous representative I had just spoken to. In the end, she confirmed again all documents are in receipt, and the email repetition were more than likely due to a systematic error. 

Nonetheless, the disorder continues, as I receive a missed call from Lending Club on XX/XX/XXXX early afternoon. I called customer service only to be informed from the representative, Lending Club is requesting 3 documents. 

When addressing this will in fact the 3rd time Lending Club is asking for the same 3 documents. The representative again apologized for the confusion, confirming yet again documents have been submitted. 

From XX/XX/XXXX to date, this issue was never resolved nor addressed. Instead, after Lending Club received my grievance complaint letter on XX/XX/XXXX, regarding their disorderly customer service I've experienced for over 2 weeks. Instead on XX/XX/XXXX, Lending Club 's response to me was denial of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In late XX/XX/XXXX, I was working at the XXXX XXXX XXXX XXXX XXXX in XXXX, Al ( XXXX ) and I owned a XXXX ( XXXX ) XXXX, and for some reason, my Insurance Policy was CANCELLED, in XXXX. As of today, XX/XX/XXXX, my Bank, the XXXX XXXX XXXX XXXX, has been allowing XXXX XXXX XXXX XXXX, to withdraw funds out of my Checking Account. Even though, XXXX has corrected this problem, this has been going on for THREE ( 3 ) YEARS NOW!!! This is causing my Credit Score to bottom out, creating other Financial Problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
We didn't aes inform me consolidate my loan through a direct loans so I would be eligible for payment pause and loan forgiveness. The company willfully withheld information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: AZ
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Problem with personal statement of dispute

Complaint:
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

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 2022-01-10
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Equifax about   XXXX inquires  that I did not apply for listed on my credit report. These inquires are unauthorized! I have also reached out to the companies listed on my report with no results. All are from the year of  2015 . I have no tieds to any of these inquires. I now have a  XXXX  account but never in  2015 . The only  2015  inquiry I do have is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a XXXX XXXX XXXX XXXX in the mail on XX/XX/2022 that I never applied for. I called the company the same day and was informed of 2 charges totally {$9600.00} on the card. These charges were made for rent in XXXX XXXX  state and I live in XXXX. I told the company that I did not apply for the card. A fraud investigation has been started and Wells Fargo is " researching possible unauthorized transactions ''. I have also filed a police report with the town that I reside in.

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 2022-08-29
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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account with late payments, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The attached document describes my assertions of violations of the Fair Credit Billing Act and Fair Credit Reporting Act by Departme  nt Stores National Bank as credit servicer for my Macys Credit Card account. In addition to violations of these Acts, I assert violation of the equivalent portions of my then standing Credit Card Agreement with Department Stores National Bank.
No written acknowledgment of my credit billing dispute, and no written disposition of the dispute.
Closing of account by creditor prior to providing written acknowledgment/disposition of the dispute.
Reporting of disputed amounts to credit bureaus as late payments prior to providing written acknowledgment/disposition of the dispute.
Reporting of inaccurate information to credit bureaus with no regard for eventual disposition of the dispute.
Reporting of disputed payments to credit bureaus with no annotation that they are disputed.
Reporting of inaccurate information to credit bureaus with no notice to me of the negative reporting.
No written acknowledgment of   my dispute of credit reporting, and no written disposition of the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2022-08-29
Company: EQUIFAX, INC.
State: SC
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 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 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. Before 30 days

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 2022-08-13
Company: Resurgent Capital Services L.P.
State: NJ
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 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 2021-07-06
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
There is a lot of talk about cryptocurrency these days. A friend has suggested that I start buying. After looking at different options listed by XXXX I decided to start learning crypto  using coinbase.com. I created an account and bought some cryptocurrency coins. I used the coinbase app for XXXX and the app requires a 4 digit pin. I used the app for about a month only having to use the 4-digit pin and I was not practicing the password. After about a month the app required that I type in my password again. I typed what I thought was my password and the app gave me an error " We are having connectivity issues, please sign on using a computer ''. I switched to my laptop and could still not log in. So I used the " forgot password '' link so that I could reset my password. No reset email showed up in my inbox. I repeated this process 10-15 times and never got a reset email. Next I contacted Coinbase help ( help@coinbase.com ) to figure out why the password reset was not working. Going back and forth over several emails with coinbase help, they continued to give me instructions like " clear your cache '' " update your browser '' " try a different browser ''. I tried all of the solutions and could still not get the password reset button to send me a password reset email. Finally, Coinbase informed me that the only way to get access to the money I have already transferred to the company was to " create a new account, verify that account by uploading my ID, clicking a link in an email ( not a good idea due to phishing scams but I had to comply ), I had to provide the last 4 of my SSN. My new account is now verified and according to Coinbase that is not good enough. They still will not give me access to my money. Now they say I have to log into their website and do a " face scan '' so that they can map my face before they will give me access to MY MONEY. This is absurd. Its hoops after hoops and all they do is keep my money. Coinbase is causing me great harm by worrying about my money for almost 2 weeks now. I have accounts at 4 different banks. If I need to change my password on any of their websites, I can do so in minutes. There is no reason XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX can allow me to change my password, but Coinbase will not. I believe Coinbase has stolen my money and they will not allow me into my own account. This is not right. All I want at this point is to end my financial relationship with Coinbase and have them return to me all the funds they have " stolen ''. If you take someone's money and refuse to give it back that's called " theft ''. Coinbase needs to be fined or sanctioned in some way. If they are doing it to me, they must be doing it to others as well. This is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After countless disputes to Transunion with no adequate results I have filed lawsuit now I am again extending an olive branch to the company by allowing them to rectify the situation and delete the Public Record off my credit report

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 2023-03-14
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:
15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines XXXX XXXX  : Acct # XXXX

Company response to consumer: Closed with explanation