BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Put in a deferment and they say never got it. Have done it three times now and still say nothing but you owe and need to pay. Also was XXXX that 's why I could not Finnish out the semester. But still got charged for the whole thing. No one will help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Victim of fraud - criminal has been prosecuted and is serving a sentence for this crime. Even upon submission of supporting documentation credit reporting agency refuses to delete the incorrect negative information

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 2023-05-03
Company: EQUIFAX, INC.
State: AL
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 contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XX/XX/XXXX until XX/XX/XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to Equifax and 1 to  XXXX. I did not authorize any such requests. 

Equifax received Inquiries from - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX received an inquiry from - XXXX  XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). 

- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both Equifax and XXXX ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: DC
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:
NOT A DUPLICATE COMPLAINT : On XX/XX/XXXX, I the consumer notified all 3 consumer reporting agencies ( Experian, XXXX and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. ALSO, never investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. XXXX, Experian and XXXX failed to Investigate the first time witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, Experian and XXXX failed to Investigate the first time according to federal law ( FCRA ). XXXX, Experian and XXXX HAVE NOT conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, IF SO, I HAVE NOT BEEN CONTACTED AT ALL IN REGARD TO WHO DID YOU INTERVIEW TO VERIFY THESE ITEMS AS ACCURATE?? EXPERIAN KEEPS ASKING I THE CONSUMER FOR PRIVATE LOCATION INFORMATION IN ORDER TO INVESTIGATE and that's a violation of the FCRA as well. XXXX, Experian and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies US DEPT OF EDU # XXXX both accounts that XXXX, Experian and XXXX furnished to my consumer report fraudulently. I demand both accounts # XXXX be deleted Immediately from all XXXX consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Information belongs to someone else

Complaint:
This is my third time contacting this company in reference to accounts that are on my credit report but does not belong to me. There has been no response whatsoever. This has hindered my ability to obtain proper housing and more.

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 2017-04-13
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a debt in the offices of EOC CCA which is a student loan. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with EOC CCA. This was a student loan that is with XXXX. My student loans should be in deferment because I am still XXXX to get my certification to become a XXXX. In this case no one should be contacting me to pay any student loans back until six months after I finish college. 
Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I have proof that EOS CCA does n't have the right to be contacting me about my student loans because I am still in school and they are not in compliance with Texas Law concerning debt collectors. Please have EOS CCA to prove that they have the rights to collect in the State of Texas. Because I am providing a Texas Debt Collectors Search from the State of Texas Secretary website to prove that EOS CCA is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I went to a school who preyed on their students and my legal information was illegally changed without my consent. I have been receiving calls by an unknown company that says I was going to a school that may have violated the law. When I called them back they hang up on me or do n't answer the call. 
XXXX phone number to the unknown company who asked me to call them because my school violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XX/XX/XXXX until XXXX XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2021-04-07
Company: Fidelity National Information Services, Inc. (FNIS)
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: Their investigation did not fix an error on your report

Complaint:
I recently received an account opening denial from XXXX XXXX. In there writing they said it was a negative report from Chex systems. I had a prior complaint to them last year regarding negative false reporting by XXXX XXXX XXXX, case number XXXX. 

I called them up over a week ago and I asked them what was being reported and they said there is no negative reporting on your account, but the guy became very rude in his response, and i noted a year prior another person who was from XXXX treated me like I was a guilty criminal and didn't do anything. I let that woman know how wrong she was and that you can not assume i am involved with check fraud because an institute reports it. I believe negative reporting ( especially internal notes ) is still being reported with out me knowing. XXXX XXXX closed 2 newly open trading accounts, one with shares in them. I have gone back and forth with XXXX XXXX about this and they tell me its ChexSystems reporting this and I don't even know what it is, and nobody will tell me what it is. 

I have a SBA EIDL loan in process them telling me nothing negative is on my account and not sending me a report has me really bothered, and people with these type of attitudes for what ever reason has me concerned. Chexsystems operates with impunity in negative reporting whether you are guilty or not, and there is no one or nothing to keep them in check. My question is why???? 

Respectfully, 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 2019-07-18
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Date : XX/XX/2019. Initial phone call from XXXX regarding transaction fraud using my credit card. with follow up staff transfers of supposed higher classification within the Social Security department regarding fraudulent use of my credit card account number and tied to XXXX XXXX and money laundering. I was told a voice recording was being made, that privacy had to be strictly observed regarding dissemination of any subjects discussed over the phone. That one interviewer could loose his job if I disclose any information regarding the details of our communication with each other. That I was to buy electronic gift cards for the available credit limit the from my credit card company and when asked if I was to supply the interviewer with those numbers so as to protect me against theft in the near future. An arrest warrant has supposedly been issued for me to be held but could be dismissed if I supplied the gift card account numbers. 
I cancelled my present credit card, notified the XXXX Country XXXX XXXX, IN operator on duty around XXXX XXXX and filled out this report to send to you. 

Sincerely, 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 2016-09-28
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1800.00} still showing so I do n't really understand why the company keep calling me for a closed account.

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 2023-05-03
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I pay my webmaster once a month using Western Union online. Their website malfunctioned yesterday. When I submitted the transaction, I didn't receive a success window or a confirmation email and the transaction didn't show completed in my WU account. So, I tried again and the same thing happened. I tried a 3rd time and the transaction showed up. I immediately called to notify them of what happened with their site. They said that three transactions went through. SUPPOSEDLY, they cancelled one of the 3, but the 2nd one, they said, couldn't be stopped. They said I should ask the receiver 's bank to refund me. This is the most ridiculous thing I have ever encountered. Their site fails and they don't reverse the duplicate charges that were the result of their error!

I was told by a WU agent that this is the duplicate XXXX no that went through : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have reported 4 transactions to Capital One that occurred on our credit card from 2 XXXX XXXX accounts that are not ours. These transactions occurred on XX/XX/2022 and XX/XX/2022 in the amounts of {$400.00}, {$400.00}, {$200.00}, and {$220.00}. We've asked capital one to investigate these transactions as we did not initiate or approve these transactions. They refuse to investigate, they did do an initial investigation and within a day came back to us and said they could not find evidence of fraud. Not much of an investigation if it only took a day. I was able to find out from cash app that these transaction occurred between 2 parties. Both parties included my wife 's name 's ( both married and maiden name ) and both of her cell phone numbers. The only thing that is different is they are two accounts using 2 different emails that are not ours. What's odd is both of these accounts have our credit card linked to them and are only processing transactions between themselves. Based on the timing of these transactions happening in the middle of the night and the ip address 's associated with these transactions happening somewhere that is not our ip address for any of our devices. There is more evidence that proves this is fraud than evidence proving otherwise. Capital one refuses to engage or do anything. They closed our credit card account after 16 years of being a customer and state we refuse to investigate further because the way the account is used. This makes no sense to me, as that being the reason you won't investigate fraudulent transactions. These transactions having nothing to do with the reason you closed the account and if they do, then you closed an account because of fraudulent transactions. I've called on multiple occasions and they refuse to do anything. I should not be responsible for XXXX charges that we did not do. We've had fraudulent transactions on other cards and the other banks are working with us and making sure we get it taken care of. Capital one is the only bank refusing. If this is how they treat XXXX XXXX XXXX customer then I don't want to be a customer with them anyways, but still I should not be responsible for someone gaining our credit card information, creating accounts in cash app and processing transactions we did not authorize. Cash app is also impossible to work with. They have just not responded to anything, but capital one has been rude and unbelievably hard to work with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19
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 of XXXX ran my report hard inquiries without my written permission. I verbally gave permission for them to run once to look at. After I declined there offer they continued to run my credit with different banks without my written permission. Which resulted in my score dropping XXXX points according to XXXX I called and spoke with finance manager whom argued and lied to me about doing it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have Reach out to All Three Credit Bureau to remove 2 debt paid and settle. 
XXXX and XXXX have deleted this two account from Credit Report. 
The problem is Experian I have properly forward them the Documents such as Receipt Driver license social etc to their disputed address. It's been 120 days me Constantly Reaching out to them to updated my account Status but they have not Done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Principal balance as of XXXX/XXXX/15 was {$6600.00} and as of XXXX/XXXX/15 was {$6300.00}. Today my balance is {$5700.00}. Monthly Prin {$320.00} and interest was {$29.00}. My balance is not going down as agreed. I have asked Chase to provide me details on the loan and they stated they do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: Colony Brands, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am unsure who this creditor is what is owed and was not notified that it was going XXXX my credit.

Company response to consumer: Closed with explanation