BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Fraud on my student loan by XXXX.Multiple violations of Higher Education Act.. Denied unemployment deferment in XXXX 1999, for job searches that were not required as of XXXX XXXX, 1999. Loan was forced into repurchase by XXXX XXXX XXXX but Navient continues to try to collect more money though loan was paid by offset year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
As I looked over my consumer report I noticed some inquires and late payments on my report that was not authorized : 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 XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). Per section 609 FCRA send me over any ORIGINAL SIGNED DOCUMENTS. FCRA states the bureaus must verify all information that they get from banks, credit card companies etc before putting into my consumer report. 
Under federal law any unverified accounts must be deleted.

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 2021-04-07
Company: Oklahoma Student Loan Authority
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted this creditor multiple times I have filed numerous disputes against this bill the company gave me an unclear explanation. That is not a verifiable reason to keep this collection on my account I am a consumer I have not been instructed by the DOE anything and I have asked for proof of this information being reported to my credit report I have the right to request original contract and documentation from this company and they must produce it I shouldnt have to be penalized or put on hold because the department of education isnt giving them any documentation they have to produce original agreement and verify this debt no matter what if I request that is my right as a consumer in other words they are basically saying we dont have any information on this bill therefore should not be verifying this debt at all. Not only that but they have multiple accounts showing on my credit for the same bill the law is they cant have multiple accounts for the same bill reporting to my credit so I am getting twice the negative remarks that I dont even deserve in the first place this is not right or constitutional. How can u respond we arent allowed to release information about a collection and then still verify the bill. Thats a due process concern and its total violation of my right I have the right to request any documentation needed to verify this collection thats reporting in my name if you arent allowed to release information then its not verifiable. You cant strip me of my rights to dispute this bill just because some other agency told you not to release information my rights as a consumer dont stop because you cant present the necessary documentation to validate this bill I am going to seek legal action and compensation for this unconditional act from the osla XXXX and the credit bureaus who are lying about this bill being verified how can you possibly verify information that your saying you cant release and how do I even owe some company In Oklahoma and I never been to Oklahoma a day in my life it makes no sense what so ever this is wrong and shady practices to con people and you stripping me of my right to have 100 % verified information reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Conduent Incorporated
State: SD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX used for XXXX  purchases and XXXX XXXX XXXX transfer and previous XXXX XXXX XXXXXX/XX/XXXX was told that my card would be " white listed '' to be used for XXXX XXXX  and/ or XXXX XXXX XXXX XXXX calls on XX/XX/XXXX and was told my card was " white listed '' however my card was not able to be used for XXXX XXXX or XXXX XXXX XXXX XXXX purchase I spoke to 2 different Rep each time I called this day because the 1st could not help me because of the Card State of XXXX XXXXhey needed to transfer to a rep that could do XXXX. I would told several times that I had to wait XXXX hrs and try again and I did this all day on XX/XX/XXXX. and to no avail I could not use the card. 

I was told if I continued to try to use my card for XXXX purchases including XXXX XXXX I would lock up my card and eventually would have to order a new one. 

On XX/XX/XXXX I figured I would wait XXXX hrs and I try to use the card as previous had and I was told all day long wait XXXX minutes or XXXX hrs and this day there was 6 different calls when I got hung up on twice.

6 th call the male rep told me that I could not use it for XXXX  purchases and my card was already white listed. I then asked when theses changes were sent to me he stated they were not I am telling you about the changes now. 

I asked if they were emailed or sent to me and he said no he was going to tell me how to use my card to get money at the ATM that I could send I told him I get charged {$2.00} up to {$4.00} to use an ATM and if I use the cash back option on some purchases it cost {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: U.S. BANCORP
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 is missing that should be on the report

Complaint:
I filed and discharged BK chapter XXXX on XX/XX/10/18 case number XXXX including US Bank credit cards. However, US Bank never report these accounts in my credit report as discharged accounts. Can you help me to correct US Bank creidt card company to report these account below on my credit report.

1 ) US Bank Person loan {$10000.00} 2 ) US Bank Credit card {$5500.00} 3 ) US Bank credit card {$7600.00} 4 ) US Bank credit card {$5400.00} Thanks.

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 2021-08-12
Company: EQUIFAX, INC.
State: MA
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:
JUST GOT AN EMAIL SAY THEY FINISHED A DISPUTE ( LATE BACK IN XXXX ) HAVE UNTIL XXXX TO DOWNLOAD IT ; CAN NOT DOWNLOAD THE DISPUTE # XXXX AROUND AND AROUND THE SITE TAKE 'S ME AND NOTHING! 
THIS IS A JOKE BUT I AM NOT LAUGHING! 

PLEASE ADVISE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: MOHELA
State: IN
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:
My loan servicer is MOHELA. I have completed a double consolidation which allows me to apply for the SAVE repayment plan ; however, three times I have contacted MOHELA to apply for SAVE and they are refusing to allow me to do so citing my loans after double consolidation included parent plus loans, which as we know, are allowed to qualify for SAVE through the loophole that closes in XXXX 

I was told : " If you applied for consolidation and have a Parent Plus loan as one of the underlying loans that you consolidated together, the only IDR plan that would be eligible for the consolidated loan is the ICR. '' My last attempt at applying for SAVE through MOHELA was with a paper application which was uploaded, along with a letter outlining why my loans qualify for SAVE. The answer I received from MOHELA was " paper applications are not being accepted, apply for your IDR plan through studentaid.gov. '' When trying to apply through studentaid.gov, it only allows for the ICR plan and gives no option for SAVE. 

I also completed a complaint through studentaid.gov and received a form letter with information on the SAVE plan, which according to the " information '' my loans qualify for SAVE although studentaid.gov does not allow me to apply for SAVE online.

My current Direct Consolidated Unsubsidized student loan IS a Direct Consolidated Unsubsidized and a separate Direct Consolidated Unsubsidized loan made to a parent borrower ; therefore under the statutory requirement set forth by 685.209 ( a ) ( 1 ) ( ii ) my Direct Consolidated Unsubsidized loan IS an eligible loan for any IDR plan not restricted by loan dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Reporting company used your report improperly

Complaint:
Information on my consumer credit report is inaccurate and unauthorized in accordance with U.S.C 15 1681 a-d. 
- Never given credit agency written authorization to place adverse info onto consumer report. 
- Docket number listing XXXX XXXX bankruptcy discharge is inaccurate - Placing such information on my report without written authorization is il

legal IAW 1681 a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18. ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. ( 5 ) Any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: COMPASS MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Purchase of a 2 bed/2 bath condo at XXXX XXXX XXXX ; XXXX ; XXXX, WI with a close date of XX/XX/XXXX. 

XX/XX/XXXX - Signed off on a rate lock disclosure stating a 30 year amortorization period. 
XX/XX/XXXX - Signed off on a preclosing disclosure reflecting a 30 year amortorization period. 
XX/XX/XXXX - Texted that I will only be receiving a 20 year amortorization period and am being forced to sign a new preclosing disclosure reflecting this change with no quantifiable " change of circumstance '' Closing got pushed back to XX/XX/XXXX and I will be forced to forfeit earnest funds of {$1500.00} and a payment of {$480.00} for an appraisal if I am to walk away from this transaction. 

Requested Compass Mortgage disclose the " change of circumstance '' and was not given a reason. I was told they were within their right to make this change. When I called CFPB for guidance, a conclusion of filing a complaint was acknowledged.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax has violated my consumer rights. They will not remove or fix a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 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 2021-04-07
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERASSIST is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
I sent my letter off XX/XX/XXXX2022 I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be one address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } 1. XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Single family XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report Thankyou,

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 2022-07-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have XXXX companies that refused to help and XXXX that not helped satisfactorily. 

1. I listed a wedding dress on XXXX XXXX for {$500.00}. ( Retail value {$2500.00} ) 2. XXXX XXXX convinced me she was a little old lady willing to buy the dress for {$600.00} plus pay shipping for someone names XXXX XXXX. 

3. I told XXXX that I would not send the dress without confirmation of XXXX XXXX of the payment in my XXXX XXXX. Through an elaborate scheme she impersonated XXXX XXXX through email leading me to believe that we both had to put money on the account and we could only do it using XXXX or XXXX. Her imposter was convincing. Im not stupid. Im highly educated and have spent my entire life on computers and the internet and she still got me. 

3. Needless to say, Im out {$500.00} through XXXX, which she took fraudulently through an elaborate XXXX XXXX email impersonation. 

4. Im out a {$2500.00} dress, which is in the mail currently ( Im trying like XXXX to get it back ). 

5. I ever received the {$600.00} plus shipping. 

I have all of the information well documented and I am happy to send in any and all of it. XXXX said they will look into it but arent hopeful that they can help. Chase said they refuse to help even though I used XXXX on their platform as they are a conglomeration. They wouldnt even let me document a complaint for posterity. XXXX XXXX told me they have nothing to do with it and dont care that someone is impersonating them. XXXX never got back to me about reporting. And so, here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
I sent my letter off XX/XX/XXXX I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be XXXX address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } XXXX. XXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report Thankyou,

Company response to consumer: Closed with explanation