BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: Navient Solutions, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I entered into a 12 month covid relief plan over phone with Navient in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a critical care nurse fighting covid and had not been home in months. I contacted Naviant and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that Naviant insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: SC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I think someone drove behind me and was not paying attention. He put on brakes and almost touched my car. I think Portfolio Recovery was affiliated with his car insurance or an attorney. They are trying to make me responsible for something that didn't even happen. I don't know what this is about or why they keep putting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I HAVE SENT THEM NUMEROUS CERTIFIED LETTERS REQUESTING VALIDITY OF THE DEBT THAT IS STATED I OWE ON MY CREDIT REPORT FOR THE AMOUNT OF {$2400.00}. I'VE SENT THEM LETTERS IN XXXX, XXXX, XXXX, AND XXXX. THEY WERE REPORTING TO ALL THREE CREDIT BUREAUS INITIALLY, BUT IN XXXX THEY ONLY REPORT TO XXXX. I HAVE TRIED NUMEROUS TIMES TO SPEAK WITH THEM AND THEY HAVE FAILED TO RESPOND TO MY ANY MORE OF MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Pnc account member. Pnc bank will not allow its members to link outside or online financial institutions such as acorns investments. Been trying to for over a year. Customers should have a say or have an option to allow such institutions to access their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As per previous request, My complaint issue was never resolved with a confirmation that my account was unfrozen. I did follow your response instructions and login to XXXX account and followed through the process requested ti resolve my issue. I did so, and never receive a confirmation, that indeed, my report was unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called Transunion many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. Transunion 's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted Transunion to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from Transunion my bankruptcy case number, also. I am very frustrated with Transunion, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my Transunion credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, Bank XXXX XXXX credit card for {$1200.00}, XXXX XXXX Bank credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.

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 2021-04-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and Experian have been reporting inaccurate information and under the fair reporting act this account needs to be deleted from my report. I printed a side by side Bureau from XXXX XXXX and Experian and they all have differces. My rights have been violated and I plan to file with the states attorney and than with the XXXX XXXX XXXX if this account isnt 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 explanation
Consumer complaint received 2023-01-28
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX Balance Owed : {$770.00}, XXXX XXXX XXXX Balance Owed : {$670.00}, XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2019-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, and XX/XX/2017 & XXXX & XX/XX/2017 - 30/60/90/120 days late ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report. 

Experian- remove all inquiries and XXXX XXXX credit card with balance of XXXX, XXXX XXXX- remove all inquiries and XXXX XXXX XXXX XXXX credit card with balance of XXXX, XXXX XXXX- URGENTLY remove all inquiries, two XXXX accounts, XXXX XXXX credit card with XXXX balance, XXXX account, XXXX XXXX  account, XXXX and XXXX XXXX credit card .

I don not have account numbers as I am not the original owner of these account and neither credit bureaus has given me any complete information on these accounts including account numbers.

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 2023-01-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have made two payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX of 2021 and a second payment of {$1000.00} in XXXX of 2021. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: CO
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX at XXXX a check from SBA was deposited into my account with Suntrust Bank in the amount of {$9000.00} Suntrust immediately closed the account and placed the funds on hold. I contacted Suntrust customer service on XX/XX/XXXX at XXXX, Suntrust said I needed to provide documentation proving the check was mine I told them to send the check back to SBA which they never did. On XX/XX/XXXX at XXXX I was contacted through email by SBA to apply for a targeted eidl advance which is then I found out the check was never returned. At XXXX on XXXX XXXX I contacted Suntrust bank about the funds they said I needed to walk in a branch to verify my identity. Since there is no Suntrust in illinois I drove 9 hours to Arkansas to a branch, once there I presented my driver 's license, business license, a letter that was emailed to me by SBA stating the funds was approved as well as showed what day and time the funds were deposited. The documents were submitted to Suntrust internal office they still will not release my funds as of today claiming I didn't provide enough documentation showing were the check came from

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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-11-25
Company: Experian Information Solutions Inc.
State: MN
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 contacted this company by phone and email on XX/XX/20 around XXXX. They are reporting inaccurate information which is reporting inaccurately on the credit bureaus as well.

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 2018-04-27
Company: SYNCHRONY FINANCIAL
State: PR
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:
They tried to open a credit card with my information not authorized. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2017-09-18
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
When I was a student at XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX 's office pressured me to refinance consolidate my XXXX and XXXX loans to a XXXX XXXX loan where I would end up being required to pay over {$80000.00} to XXXX XXXX, now Navient, instead of the {$36000.00} to XXXX XXXX XXXX. I was out of work for a prolonged period to care for my daughter who was stricken with a very rare form of XXXX XXXX. XXXX XXXX and Navient pressured me, on several occassions between XX/XX/XXXX and today, to accept forbearance instead of deferment, and now the payoff amount is very high, and I feel that i was pressured and harassed, and that the lender did not work with me to provide me appropriate choices. Now I feel my families financial future is ruined, and I wo n't be able to pay medical bills for my daughter or save any money for my children 's college education. Now I am in default because I have been unable to negotiate an acceptable solution. I have paid the principal and quite a bit of interest, but feel it is unfair to pay Navient {$80000.00} for a loan of {$27000.00}. And it was unfair of them not to allow me to defer payments while my family suffered a catastrophic health care crisis. Please let me know how I can get some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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: Their investigation did not fix an error on your report

Complaint:
I requested for Experian to provide me with signed documents verifying that the accounts that I am disputing are mine. Experian has not provided those documents. They only send information saying that the account is verified.

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 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Ive sent TransUnion 1 letter and 1 fax asking to have an incorrect public record '' bankruptcy '' be removed from my report. i have supplied them everything to show that this account is NOT MINE! i have never even lived in XXXX, WA where supposed bankruptcy addresss was filed. i dont know how this inaccurate info came to be on my report i just seek to have this fixed. it transunion would like i can send them over evidence XXXX an XXXX  have quickly corrected this mistake.

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 2021-11-01
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 information incorrect

Complaint:
XXXX XXXX is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}

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 2020-05-28
Company: WELLS FARGO & COMPANY
State: CT
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:
The problem is with my bank Wells Fargo. I requested a deferment on XX/XX/XXXX for a retail account that is through WF. XX/XX/XXXX I noticed I had a late fee of {$27.00} and made contact with WF on XX/XX/XXXX in regard to this problem. They removed the late fee immediately but not before XXXX XXXX reported my credit score as having decreased by 4 points because of an increase of usage ( {$27.00} ). I rely on my FICO however, I have found XXXX XXXX XXXX report to be the same. I have requested a " letter '' for my records for the past 4 weeks. I want a letter that states they didn't process my deferment for 5 weeks from XX/XX/XXXX until XX/XX/XXXX and that through no fault of my own I was charged with a late fee. I am or should be entitled to a letter with the above instead of the basic rote WF sent me. Thank you.

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