BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have called Navient on multiple occasions informing them that I was having problems with making my payments and I needed a lower option. They never gave me any options they set me up on an automatic payment option and told me I had to stick. I called back several times to let them know that this would not work for me. They stated that they only had one phone call from me and that was in XXXX. From XXXX to XXXX they never processed one payment. I would call in and make a payment. On XXXX XXXX they processed a payment without letting me know. I called in to tell them that the needed to cancel this payment because it was not authorized, they stated that it was set up on automatic payments, and that I should have told them to cancel it. I told the representative that I had called in and told them that this was not working for me and she said I had not been calling in and that the only time i called was in XXXX. I said I called in and I told them that this was not working for me and I also said that I did not want the automatic payments, no one never said that I could stop this payments until I spoke with the representative on XXXX XXXX after I had been telling them this option was n't working for me. On XXXX XXXX they finally stopped the automatic payments but now I am left with a over draft fee of {$210.00} for a payment that was not processed, my bank will not stop the check. I wish I had another option than to deal with Navient. The customer service Representative today was very nice, however previous to this one today the rest of them were rude and very demanding and did not offer any solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT, I HAVE UNAUTHORIZED INQUIRES ON TRANSUNION MOST OF THE INQUIRES WERE REMOVE BUT 3 STILL REMAIN ON MY REPORT. 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under 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 2018-01-17
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: BB&T CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have recently been informed by BB & T that my XXXX  credit card is delinquent a balance of {$160.00} and {$50.00} of which has been reported to credit agencies for non-payment. 

I have not used the card recently and last paid my full balance off in XXXX XXXX. I have contacted BB & T collections and they are unable to explain the series of charges. 

The identified a " RAP Fee '' charged in the fall and then subsequently accrued late fees and subsequent RAP fees. In speaking to a dispute agent they said they did n't know what this fee was but indicated that it was not a merchant fee or charge but a BB & T internal fee. 

I have been attempting to contact BB & T via online portal but my account is locked as well as by phone and have been unsuccessful because of excessive wait times ( i.e., > 45 minutes ) I am concerned because this beginning to damage my credit and I do n't understand charges and am having systemic problems in contacting BB & T. 

Thank you, 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 2021-12-09
Company: CITIBANK, N.A.
State: MI
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/2021, I requested a credit line increase of {$3000.00} online for my Consumer Home Depot Credit Card at : https : //citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action? siteId=PLCN_HOMEDEPOT & langId=en_US & pagename=authenticate # creditLineInc However, Home Depot informed a hard credit inquiry without my consent or knowledge at the time or the credit line increase request. This is illegal. No way to provide my consent to a hard credit inquiry ( I.e. no button, signature, or check box was made available to provide consent ). Furthermore, the website provided no notice that a hard credit inquiry would be performed : no terms & conditions or verbiage were present before proceeding with the credit line increase to specify that a hard credit inquiry would be performed. 

Home Depot 's hard credit inquiry now shows under " XXXX/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX on my credit report and is impacting my credit score. 

I contacted Home Depot today at XXXX to try to resolve the hard credit inquiry issue and inform them that it was performed without my consent or knowledge. However, they denied that the website did not ask for my consent. 

Note : Please see the attached screenshots proving that I was not notified about the hard credit inquiry before requesting a credit line increase. I also have a copy of my credit report to showing the hard credit inquiry.

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 2021-12-09
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-09-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX OPENED XX/XX/XXXX CHARGE OFF XX/XX/XXXX REPORTING PAST DUE AMOUNT

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 2019-05-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I used XXXX to obtain my free credit reports from the three credit reporting agencies. I had no problem obtaining my detailed report from XXXX  and XXXX  online in minutes but Equifax is making it difficult and inconvenient to obtain the report. They ask several questions about accounts that were closed 10 years ago and would be difficult to remember such details. They then want me to fill out a paper form, enclose several personal documents and send it through the mail. 
This is an obvious attempt to make obtaining the report difficult so they can avoid providing the report for free.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Verify Debt, I have shown it was not a charge made by me. Midland Funding LLC Fraud. Harassment and attempted extortion I am being harassed by a bottom feeder collector from Midland Funding LLC who continually changes the start date, adding and decreasing the amount by {$1.00}, adding and removing late pays and changing the company names. I for six years have been being extorted by Midland funding LLC I have disputed this over and over, and it has made them worst. I have disputed it with your agency, I have shown proof Ive contacted them and I continually do receive harassing phone calls, mail and attempts at extortion through means of changing data to alter my credit score. This is bullying and extortion. I have reported this to all major bureaus more than 17 times, made a report with the FTC and the CFPB And NOTHING was done! They now have doubled down and made more changes and continue to drop my credit over this fraud, they are the worst kind of people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The status is incorrect for the following account XXXX XXXX XXXX Please supply information on how you verified this account. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading 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 non-monetary relief
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
OnXX/XX/XXXXafter getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card sinceXX/XX/XXXX belonging to my husband. I have a card in my name so I called XX/XX/XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XX/XX/XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX  actually reports to the three CRA 's so I should have all three credit scores since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my card copied and was used at XXXX XXXX XXXX and XXXX Bank of America put the claim in wrong that I got charged 2 times and would provide recent never got anything in the mail then they took out of my account.I then called and told them they made a mistake and these were fraudulent.They put a claim in and these companies wouldn't give the money and closed my account without telling cause I was XXXX overdrawn and charge backs were for XXXX XXXX XXXX and XXXX now they are holding onto my direct deposit from my and are going to take it out of that money which I need to pay my mortgage and car payment.they did these charges XX/XX/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 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My card account was closed 8 days after payment was due. I had not missed a payment prior. An automatic payment in full had been attempted and failed due to a held deposit in my checking account. I was not aware of this issue until the Capital One sent me a fraud letter outlining their closing of my account ( 8 days after the payment due date ), cease and desist and a demand for payment in full. There was no response when I wrote the company and the customer service was unreachable ( over 6 hours in total on hold ). Previous payments had been on time and in full. My credit limit had also been increased during my contract. I find this not in keeping with my card agreement and the lack of communication/customer service is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accordi g to credit report, accoubt was opened XX/XX/2020 for a credit limit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AFNI is listed as a collection account on my credit file for the amount of {$1000.00}. I NEVER received any written notifications or calls from this company advising of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to resolve the issue of late payment on this account for month ( XXXX XXXX {$61000.00} Account number XXXX ). The report on XXXX shows us being late for 2 months ; the report on XXXX show us as being late for 2 months and Experian show us as being late for 3 months ). I am have never been late on any mortgage payment. As you can see all 3 bureaus reporting are not accurate therefore the bureaus have violated my right under FCRA. I have for many months asked for a full validation or remove these inaccuracies. All I get back that it updated and factual with no explanation. I have attached a snapshot from all 3 credit bureau reports

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 2021-12-09
Company: EQUIFAX, INC.
State: GA
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 am submitting a complaint in reference to Equifax credit reporting agency XXXX XXXX XXXX XXXX, GA XXXX knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. Per Federal Law 15 U.S. Code 1681c-2- BLOCK of INFORMATION resulting from identity theft. 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 alleged identity theft, not later that 4 business days after the date of receipt by such agency of. I have attached proof of receipts and identity theft report that was provided to EQUIFAX sent on XX/XX/2021 EQUIFAX received on XX/XX/2021. Federal Law requires you to respond in 4 business days after the date of receipt to BLOCK of INFORMATION as of today XX/XX/2021 the alleged information is still reporting on my credit report. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX at XXXX I sent an email to the CEO ( XXXX ) of CapitalOne requesting a XXXX  adjustment in regards to a missed payment from XX/XX/XXXX showing on my credit report that was due to extenuating circumstances at the time. A CapitalOne rep called me on XX/XX/XXXX at XXXX ( that lasted 3 minutes long ) to tell me that she was a representative regarding CapitalOne, that a team investigated the matter, and that they don't do XXXX adjustments because they have to report everything accurately. My sister had a similar situation and explained everything, and got a XXXX adjustment with the late payments removed, I have seen other letters online of people showing their XXXX request being approved from CapitalOne, so I do not believe that information is true. I know many others who have also reported getting a XXXX adjustment and this is my first very time ever requesting something like this. I have sent an email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not heard anything back yet.

Company response to consumer: Closed with explanation