BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: Navient Solutions, LLC.
State: VA
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:
Thank you for taking the time to read this letter.
Navient gross mishandling of my student loan payments has resulted in me receiving erroneous late fees, capitalized interest charges and negative reports being sent to the 3 major credit reporting agencies.
I have unsuccessfully attempted to get a straight-forward answer from NAVIENT Student Loan servicing for the last two years as it pertains to how my student loan account. My questions are specific to how my payments have been applied, why I have been charged 18 late fees ( some months I was charged a late fee twice in the same month ) in months that my payment was not late and why I my student loan interest was capitalized in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Navient continues to ignore my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Texas law is very specific regarding the manner in which personal property ( including cars, trucks, boats, planes, televisions, washers, dryers, and other household items ) may be repossessed. A creditor or repossession company can not breach the peace when repossessing personal property. Moreover, under Texas law, a creditor is strictly liable for the actions of a repossession truck driver or repossession company for actions which breach the peace.

There was a breach of the peace situation that occurred when 2 people came to my employer. The female made a scene, Raised her voice and I ask the 2 people do not touch my vehicle. Both individuals  did not tell me who they were. MY manager even asked them to leave the premises and as I got in my vehicle they began to lift the vehicle on to the truck and snatch my car keys out of my hand. 

A breach of the peace by a tow truck driver occur because I was inside the car, caused a commotion at my employer and yelled at me at my place of employment : There are various legal claims for breach of the peace during a repossession including : Violation of the Texas Debt Collection Act Invasion of Privacy Unreasonable Collection Efforts Uniform Commercial Code Chase Auto has also reported a negative tradeline on my credit reports and I like to have it removed from every credit report because of the illegal taking of my vehicle at my employer and the creditor is liable for how the vehicle was taken from me. 

I want the negative tradelines removed from my credit reports and investigation into how the company came to my employer and repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Mortgage loan paid in full XX/XX/2019 see attached. Beyond 30 days, no reporting to credit bureaus.

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 2017-09-19
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 is missing that should be on the report

Complaint:
I spoke with the creditor ( XXXX ) and the account was to be removed from credit report. They said request was sent to Equifax. I sent request to Equifax to have account removed and it is still showing on credit report. This account needs to be deleted per the collection agency. I have spoken with Equifax and have not been able to get anything handled. 

XXXX XXXX XXXX XXXX, XXXX {$130.00} Original creditor : XXXX  ******************************************************************* I am asking for proof of debt. They have not valdiated this debt and will not show any proof that I owe it. Per credit reporting laws this needs to be deleted. This is my last attempt before filing civil case in XXXX XXXX Georgia XXXX XXXX Opened XXXX XXXX, XXXX {$6500.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 Bank of America concluded no fraud was conducted on my account and I was instructed to consult the bank I had funds transferred to. Prior to this fraud had occurred on my account in XXXX XXXX the amount of {$2900.00}. 

This determination was made with no evidence of account history nor was it released to me when I requested to multiple times. I have tried to consult with their claims department, however they say that once the determination has been made there is no disputing it or otherwise.

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 2022-01-14
Company: SYNCHRONY FINANCIAL
State: IN
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 explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these accounts and inquires.

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 2022-07-05
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 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 2022-08-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( NAVIENT ***** Opened Date XX/XX/2000 XXXX {$0.00} ) This just proves your lack of proper record keeping. Now, this item is reporting to be 30 to 150 days past due, yet it is closed and the balance is zero. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed and no longer active and should have reflected a status of PAID. Provide documentation that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. Thank You, 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 2022-01-14
Company: CITIBANK, N.A.
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022, I purchased a dental savings plan through XXXX. Through a computer glich, I was charged twice for the plan. Both charges occurred on the same date and time. The amount was {$120.00}. I contacted XXXX  and they issued me a full refund. I am being told that it could take up to 12 days to receive the credit back on my account. That is UNACCPTABLE!!! It did not take Citi Bank 12 days to release the fund. Citibank blames XXXX  for the refund not being back on my card. XXXX casts the blame on Citibank. Citibank told me that I still have over {$4000.00} to use on my credit if something should happen and I need money. That answer is totally ridicous. That is not the point. I don't carry balances on my card.

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 2018-01-08
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car through XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX. I made all of my payments on time. In XX/XX/XXXX, I claimed bankruptcy. When the company got notice from the court, they shut off my access to my account. I continued to make my payments on time and signed a reaffirmation agreement. I called in XX/XX/XXXX, because I could not access my account. I was told that I had to wait until the bankruptcy was discharged, to have access to my account ( statements included ). My bankruptcy discharged in XX/XX/XXXX. I called in XX/XX/XXXX to find out why I still could not get access, and was told it could take up to 3 months for them to get the discharge information. I called again today, XX/XX/XXXX because I am still unable to access my account, and XXXX XXXX still hasnt reported my payments to the credit bureau. I was told today, that unless my bankruptcy was terminated, which to my understanding, is a dismissal, which will not happen because its been discharged, I will not have access to my statements or account! I signed a reaffirmation agreement for the sole purpose of the company reporting my payments to the credit bureau, to help rebuild my credit. I have no information such as account numbers, or what is left to pay on my loan, or how much of the {$510.00} a month is going to interest or principle, to supply with this complaint because they will not give me a statement or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I went from NO CREDIT SCORE to XXXX one year and a half by paying my obligations ahead of time, higher then required payments. I have NEVER MISSED a PAYMENT, ALWAYS PAID MORE than PAYMENT DUE! 

THIS CAN NOT BE VALIDATED BY SOME COMPUTER FORMULA! 
ALL AMERICANS ARE DIFFERENT, UNIQUE AND DESERVE TO BE TREATED AS SUCH! THERE IS NO COMPUTER FORMULA THAT CAN VALIDATE THESE CREDIT AGENCIES REACHING THEIR SO-CALLED DATA MAKING DECISIONS and only " FOOLS '' who believe they CAN! Credit Agencies have shown to be lax in acquiring current accurate data on EACH AMERICAN CITIZEN! Make it next to impossible to correct that data! EVEN POORER SECURITY for this DATA! These Credit Agencies ARE NOT BETTER THA XXXX WHEN IT COMES TO HANDLING-SECURING OUR DATA! AT LEAST XXXX ACKNOWLEGED IT! 

How Disparaging-WHY SHOULD ANYONE TRY TO MAINTAIN THEIR CREDIT SCORES WHEN HAVING YOUR CREDIT SCORE CHANGE with a SEGREGATIONIST ATTITUDE, which decribes CREDIT AGENCIES. 

IT SEEMS THAT AMERICAN CITIZENS, WHO HAVE INCOMES LESS THAN A MILLION PER YEAR! THESE Agencies are Biggoted! THEY WILL RUIN A PERSONS CREDIT BY USING FORMULAS THAT DO NOT APPLY TO EACH AMERICAN CITIZEN AS AN INDIVIDUAL-SEGREGATIONIST! 
These credit agencies believe the general public ( American Citizens ),  DESERVE HAVING A BAD CREDIT SCORE-EVEN THOUGH YOUR CREDIT SHOWS NO MISSED OR LATE PAYMENTS! THEIR HYPOCRISY ONLY PADS THEIR POCKETS AND RUINS AMERICAN LIVES ; CAUSING STRIFE TO AMERICAN CITIZENS WHO DESERVE MORE, CAUSING POOR ECONOMICS FOR AMERICAN CITIZENS! 

I Charged instead of paying CASH from SAVINGS. MY CREDIT CARDS are INTEREST FREE still for almost a year. I am saving money collecting interest on my savings account! 
DOES THIS SOUND LIKE A XXXX CREDIT SCORE PERSON? 

I SURMISE THESE CREDIT AGENCIES DROP A PERSONS SCORE TO BENEFIT From Companies Who Charge More FOR LOW CREDIT SCORES! 
I was talking to XXXX XXXX on XX/XX/18 and my credit score dropped to XXXX. I WORKED EXTREMELY HARD FOR THAT CREDIT SCORE OF XXXX! 

I was advised by Credit Agency to get a couple of credit cards to help build my credit score faster! I did and got SHAFTED for doing so!

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 2022-10-04
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: KS
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 trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with XXXX who have admitted that my information has been compromised in their latest security breach. None of XXXX, Experian or XXXX XXXX website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my 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 2018-01-08
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls, like one every hour. I have asked them to stop calling with no resolution. Also have filed complaint before, which helped a while. Also got calls on Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient continues to say that my XXXX loans are not federally related and are continuing to say that I am behind in payments, when indeed these loan types are in a non repayment, no interest accruing status, per the Presidential order related to COVID 19 pandemic. XXXX loans ARE FEDERAL LOANS ... ..Navient is reporting late payments and is claiming that I must begin payments again in XXXX, when according to the Cares Act, they are on pause until May. I have tried NUMEROUS times to work this out with NAvient, asked them to fix my credit report and to stop collection activity to which they refuse. 
They have just lost a court case for bad practice, so I feel that they are just not a legit servicer. 
Please hep to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Contacted Credit bureaus on Hard inquiry Not recognize XXXX XXXX XXXX XXXX XXXX inquires

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