BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX-XX/XX/XXXX I was forced into a forbearance, I made less then {$10000.00} in the year for both years. I was told this will just freeze my account solid till I was able to get back on my feet financially. In XX/XX/XXXX I had to reapply, where I learn that I accumulated over {$10000.00} on the loan as an increase of not making payments. My statements would come in a zero. And no one, no one ever explained that this will accumulate interest. 
I was told that it was an account freezer, that my account would stay solid at that price till I was able to get back financially. In XX/XX/XXXX-XX/XX/XXXX I sent in my taxes to prove that I am below poverty still making {$10000.00} in a year. I was told I would have to do IDR, and as I get my emails to know my payment amount, I could never sign in to navient. I had been locked out of my account on how many attempts to add my social and my birthday with the website stating I never had an account. Finally I call to talk to a representative, all for him to tell me my account had expired in XX/XX/XXXX. How can a federal government payment program expired your account, but still demanding you to make repayments. Navient lied to me over the last 5 years, as I tried to show valid income information to receive lower payments, they made me go into deferment and forbearance instead of offering actual payment options. Because of this my loan increase went from {$10000.00} loan to a now {$40000.00} due to interest, when I provided my low poverty income wages for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''

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 2022-12-23
Company: Colony Brands, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX when I came back from burying my mother I started recieving letters from Montgomery wards inside was a bill for I believe {$700.00}. I have never had any account with this company nor have ever had a credit card from them. Im not sure where this is coming from but I do know that I do not have any type of card with them. I disputed it because its not mine at all and they came back and told me it had been verified. This is a lie on someones part because in order to be verified I would have had to use this card somewhere and if thats the case please show me some proof. Im sure if I used this card anywhere there is a camera that has me using it. I know their isnt a camera or video on this earth that shows that because I never had any card from here. I dont know how they say its been verified and they are making me responsible and now I have all these bad things on my credit score. I want something done here. I cant take this stress. What really concerns me is everytime I have ever asked for credit, not XXXX time have I ever been approved for any credit card, so tell me how is it that another person or whoever or whatever is able to get a card? Thats very strange to me. Their is something fishy happening here and I will go as high as I can to get anwsers. Its my life and I have to suffer because of it and no one is helping me just causing more stress In my life. I just had to bury my mom because of covid and Im not in the best spirits and I refuse to allow someone to tell me I used a credit card I have never had. And I need to know when this card Was gotten? And who gave it to whoever it was given to? What kind of proof did they show when they were applying for this card? Thats what I need to figure out. This is very upsetting to me. Some of us cant sorry to bother u about this but Im lost as to what to do? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Kohls is attempting to collect a debt on my credit that I do not owe. This debt is past the statute of limitations in Utah. I do not owe this debt. Also, it is so old that it is past the credit reporting limit per the FCRA. I am requesting that this account be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2022-02-06
Company: Experian Information Solutions 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:
i have been writin the credit bueaus for over a year, XXXX, experian, XXXX is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my XXXX XXXX job. I have never lived at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, nor XXXX XXXX XXXX they have 3 bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?

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 2022-02-23
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My husband XXXX XXXX and I ( XXXX XXXX ) purchased a new car from Action Hyundai XXXX NJ in XX/XX/XXXX We took out a {$1000.00} loan on the car and paid the rest in cash. We only took the loan because they gave us a {$1000.00} rebate on the car for taking out a loan. We paid the loan off in XX/XX/XXXX. It is now XX/XX/XXXX and we do not have title for our car. I have contacted them numerous times. They said they sent the title to us in XX/XX/XXXX but we never received it. They said they sent the title to XXXX XXXX XXXX XXXX ( XXXX XXXX was left off the address ) which is why I think we didn't get it assuming that they did send it. They refuse to get us a replacment title. When you pay your car off, you expect to get the title. They did send a letter saying we paid off the loan. The address should have been complete on the title so unsure why they left a key part of our address off the mailing address when they mailed it. 

The car was financed through Hyundai Motor Finance. I see numerous complaints on the internet about customers can't get their titles. 

Beware of financing through Hyundai Motor Finance.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i living man are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. i am [ con ] tacting you [ con ] cerning the above NAME and number in question. it has come to my attention that there is identity theft. ( 15 U.S.C. 615 ( g ) ; 15 U.S.C. 1681m ( g ) ). you are in violation of 18 U.S.C. 241 Conspiracy Against Rights and 18 U.S.C. 242 Deprivation of Rights Under Color of Law. there shall not be any more [ un ] authorized [ trans ] actions alleged to be in [ con ] nection to my property. ( 15 U.S. Code 1605 - Determination of finance charge ; ( UCC 3-403, unauthorized signature ; [ Cf. 673.4031Unauthorized signature. ].

i have not supplied proof under the [ doc ] trine of estoppel by silence, i presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists ( Engelhardt v. Gravens Supreme Court of Missouri, Division One Mar 12, 1926 No. 25192 ( Mo. Mar. 12, 1926 ) ).

you have [ act ] ually [ dam ] aged me, [ fin ] ancially, causing mental anguish, [ de ] privation of rights, [ dam ] aging my livelihood, [ dam ] aging my quality of life and [ dam ] aging my private household affairs, all caused by your [ mis ] leading reports and your trust failure in data breach of source data private property, your data breach involved my personal and private data which has a value and caused wrongful conduct of your organization that was in-trusted control of protecting the consumers private property source data. correction with payment settlement satisfaction of all Civil penalties violations with actual damages shall remedy this claim herein.

i am only able to discharge as fact per. [ Cf. PUBLIC LAW 73-10, HJR-192 of 1933 ]. Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. 1933 Act means the Securities Act of 1933, as amended. 1934 Act means the Securities Exchange Act of 1934, as amended. 1940 Act means the Investment Company Act of 1940, as amended.

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 2022-12-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-30
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company called me 5 times in 1 day. I called them back and they refused to tell me what the company was. He kept calling me names and telling me he wasnt playing games. This is ridiculous. Youre a child.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Navy federal credit Union XX/XX/XXXX XXXX XXXX {$310.00} a fraudulent charge toward my card. It seems like I keep getting new cards and they keep, no matter what, finding ways to have people fraudulently attack me and my bank account. I shouldn't have to order a new card every month, they don't let me call them or go to there bank branches so I have to pay more fees in ATM and or miscellaneous fees because I simply am not allowed to get any customer service from them. Supposedly in XXXX of XXXX sometime I had a phone call with them and am not allowed to talk to them. I want to know why because they keep harassing and discriminating me so much so I take to social media to vent. I want to know why they just say OOPS literally and make fun of me saying oops like it's not there fault or in my case it most definitely is, but why have I been so mistreated by them and now they are charging me junk fees and getting credit card money that I had to put on my card to start it anyway and they changed the policies and now want to charge me double harassing and calling me everyday saying I am late for a credit card payment. I have never had so many issues with a bank. Please look for footage of a time I went to jail for trespassing in there branch supposedly but the charges were dropped so I can't sue them. I still did weeks in jail for it. Someone owes me time/money. 
Help me in everyway please, I need to get to my business and that's all they interfere with and it's the most annoying thing that n the world ask the president of the United States how annoying I am please. Oh tell em sorry dude, not my fault. Does this deserve Credit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX reporting negative reporting on my credit reports despite XXXX  police report XXXX and other evidence of the unauthorized fraudulent transactions and charges illegal unauthorized fraudulent transactions and charges that XXXX XXXXXXXX XXXX allowed fraudulent charges and fraudulent transactions and charges repeatedly throughout the year XXXX

Company response to consumer: Closed with explanation