BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
All of my student loans originated prior to the 10 years requirement of making payments prior to having my student loans forgiven. ( student loan time frame XXXX XXXX and XXXX XXXX ). During that timeframe, the requirement was to provide civil service work for approximately 5 years and your loans can be forgiven. 
In which I had accumulated over 8 years of civil service work : - Three years as a XXXX XXXX  ( XXXX XXXX prison XXXX XXXX ) - 1 year as a XXXX ( XXXX XXXX ) - 4 years in Non-profit work ( New Concept Self Development Center XXXX and XXXX XXXX of XXXX Wisconsin XXXX XXXX XXXX I inquired about the student loan forgiveness program and have even submitted a complaint through CFPB. 
CFPB complaint filed against student loan servicer ( Case number XXXX ) Filed a complaint with the XXXX XXXX XXXX XXXX XX/XX/XXXX ( Ombudsman Case number XXXX ) regarding excessive interest being charged to my student loan balance. The final result was XX/XX/XXXX The XXXX XXXX XXXX  continued to extend forbearance offers A complaint with CFPB ( complaint ID XXXX ) filed on XX/XX/XXXX regarding dealing with Navient From XXXX XXXX XX/XX/XXXX, XXXX constant forbearance options offered and approved. Although I inquired about other student loan forgiveness options due to having 8 years of working in a public sector. 
In which I have now over XXXX in interest accumulated to my total student loan debt. 
Each request and material asked regarding student loan forgiveness programs were ignored or just declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed these medical collections XXXX and XXXX XXXX   in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.

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 2021-08-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX  I started receiving collection letter from citi bank, for a account that it was opened with my identity ( stolen identity ) {$10000.00}, the problem was reported and citi bank has conducted a investigation, how ever they have determined that I'm responsible for this account. since then I have been reporting same issue and citi bank still blaming me about this account, sending collection letter, ruining my credit report and life without any possibility to have a good report to keep running y business. the damage has been huge and has impacted tremendously my life.

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 2023-05-08
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: Account status incorrect

Complaint:
Your company is willfully furnishing inaccurate information on my consumer report. These errors have caused me a great deal of stress. These inaccuracies have caused me to be denied my basic needs. I am demanding the removal off all the inaccuracies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent out letters the credit bureaus to get some items investigated on XX/XX/2021. I have not got an update to this day i got nothing in writing no score change nothing as a consumer that is not fair reporting i have things I need and the bureaus are holding me up. They have been in business to long to handle business like this ...

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 2021-08-09
Company: EQUIFAX, INC.
State: GA
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 65 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 65 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : 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 explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I never apply for any auto loans

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 2021-08-09
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:
This is my 4th time disputing these accounts and no one is responding ... The CPFB is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX  XXXX-XXXX-Unverified Account XXXX XXXX- XXXX- Unverified Account US Department of Education- XXXX- Unverified Account XXXX- XXXX- Unverified Account XXXX XXXX- XXXX- Unverified Account XXXX XXXX XXXX- XXXX- Unverified Account XXXX XXXX- XXXX- Unverified Account XXXX XXXX  XXXX- XXXX- Unverified Account XXXX XXXX-XXXX- Unverified Accoun XXXX-XXXX- Unverified Account XXXX , XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: PA
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:
Equifax pulled my credit for a mortgage loan that I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted tons of documentation to Wells Fargo home mortgage proving my financial hardship and they continue to hound me over and over for more proof as to deter me from the process. They are clearly trying to declare more earnings to their shareholders and wont lower my mortgage after making XXXX k last year and the prior year I was unemployed My taxes increased so much where I live my mortgage went from XXXX to XXXX. They wont remove the escrow. I am fed up with dealing with them I have proven my lack of funds and I just got a job this month. I have given them every doc they have requested

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 2023-06-07
Company: DISCOVER BANK
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I am writing to file a complaint against Discover Bank for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Discover Bank denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. The fraudulent transactions occurred on XX/XX/2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges on this account is {$450.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Discover Bank, have a zero-liability policy for fraudulent charges. Despite this legal protection, Discover Bank denied my claim and decided to remove the temporary credits applied to my account. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Discover Bank. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy. Please find the attached documents for your reference. I am willing to provide any additional information or evidence required to support my complaint. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Bread Financial 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:
XXXX/XXXX XXXX  has closed their store, so they have reported negatively on my and my husband, XXXX XXXX ' XXXX  acct.as of XX/XX/2019. This is involuntary and we are not at fault. They need to rectify this action as it has lowered our credit score by 15 %. We have always been in good standing with our accounys with XXXX XXXX/XXXX XXXX. 
They are also not allowing me to enroll in their " XXXX credit protection program '' As of XX/XX/2019, XXXX XXXX and XXXX program kept passing me back and forth on the phone, playing games for over almost 2 hrs! from XXXX-XXXX XXXX, just to not allow me to enroll in the credit protection program! It was totally uncalled for! We should still be allowed in the credit protection program regardless of the store being closed! 
XXXX XXXX # XXXX ) XXXX-XXXX XXXX   XXXXXXXX XXXX # ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, Equifax XXXX XXXX are are responsible for the following violations for reporting my EXPERIENCE With said creditor, Here is a list of improper use of my consumer report. 


XXXX 62 % credit card utilization XXXX  86 % credit card utilization XXXX  XXXX 77 % credit card utilization XXXX  XXXX BANK 83 % credit card utilization XXXX  XXXX 55 % credit card utilization Under 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW STATES : ( Consumer reporting agencies or experiences between the consumer ( Me ) and the person ( You ) *CREDITOR* Making the report is not included on my consumer report. 
Utilization is an experience with the line of credit that was extended between the consumer ( Me ) and the person ( You ) *creditor* that is making the report. Congress states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. 
You have violated the FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress states IS NOT included on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been making my car payments early. Santander consumer USA its not calculating the interest correctly for my payment amounts. I made my car loan 30 days early. They charged me {$300.00} in interest and only applied XXXX something towards the principal. I called and spoke to the manager and when I asked her detailed questions she hung up on me. I believe Santander consumer USA is fraudulently over charging my auto loan account. If you look at my payment history and the amount applied towards interest and principal amounts. The daily rates and interest charges are being billed incorrectly. I should not owe that much interest especially if I am making my monthly payment early. I have never been late with my auto loan payments. Please investigate all principal and interest amounts on my account for every payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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.

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 2018-05-17
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked for validation and no response from debt collector. Multiple emails and letters sent without response. Under the FCRA laws they are required to validate this debt with original documentation proving this debt is mine. Otherwise must be removed from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$500.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and that was unusual. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this and doing this on my own behalf and I need this taking care of a as soon as possible.

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 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Paid XXXX towards my principle on XX/XX/2020 Money was not applies correctly. 
Called on XXXX to have it corrected Nothing was taking care of Called on XX/XX/2020 spoke with person to have the correct it still nothing happened. 
Called on XX/XX/2020 started case XXXX to have the money applied the correct way still nothing. 
Called on XX/XX/2020 Case XXXX to have them try to correct the principle payment again and still not corrections. 
Called on XX/XX/2020 Spoke with XXXX to have them just send me back my XXXX to be electronically deposited into my checking account sent over via email all bank info so have the money refunded. Still nothing Called on XX/XX/2020 Spoke with XXXX to find out why money had not been deposited and he said it was escilated to XXXX XXXX and that it would be handled within 3 business days. Still nothing Called on XX/XX/2020 spoke with XXXX again money was applied to loan and not returned to my bank account another mistake. He DM XXXX to have him contact me to get it corrected. Waiting ... ... ... ... ... ... .. 
Help 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 monetary relief
Consumer complaint received 2022-03-10
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An Debt Appeared on my XXXX Credit Report that I have no Knowledge of from PROFESSIONAL CREDIT MA for {$400.00} and I would like it removed. Have asked several times with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief