BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Navient Solutions, LLC.
State: AZ
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:
I consolidated three XXXX school loans with Sallie Mae, totaling XXXX. As I was going to work in a XXXX XXXX shortage area ( a rural XXXX XXXX XXXX XXXX ), I received some repayment funds through the XXXX XXXX XXXX XXXX. I requested that payments be applied to principal. I made payments totaling XXXX between XX/XX/XXXX and XX/XX/XXXX. The loan was handled by Navient. When I became aware that Sallie Mae/Navient were applying very little of the payments to principal, I contacted them. I was told the situation would be corrected. It was not corrected, despite Navient 's promises. Their solution every time I called to was place me on forbearance while the problem " was fixed ''. I did not wish to be on forbearance. In XX/XX/XXXX I advised that I would not make further payments until payments were correctly applied. My payments of over 100,000 show my willingness to acknowledge my debt. Instead of helping me to resolve the situation, Navient continued to put me into forbearance without my consent while charging late fees and capitalizing interest. As of XX/XX/XXXX Navient claims I owe XXXX in spite of the XXXX paid. Since I would not consent to forbearance, Navient has placed the three separate loans on my credit report. I have challenged these. They have acknowledged to the three credit bureaus that all of these facts are correct. I have worked for over 11 years at a rural XXXX, and was never advised of the Public Service Loan Forgiveness program Navient told me this would be referred to their " fraud department '', but I never heard from them. I have made every attempt to resolve this without pouring more money into interest only payments, but Navient shows no willingness to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was getting a mortgage for a house and although I had closed my TD bank accounts years previously, somehow, a charge was able to be put on my TD bank card. I was never notified of this charge because my account had been hacked before I had closed it without me knowing about it, therefore, all the bills and late fees were going to an unknown address. Due to this, my XXXX XXXX had dropped by 250 points. I almost lost my new house and can barely afford my new mortgage payment because of my credit score. I ended up going to a brick and mortar TD bank the first week of XX/XX/XXXX because I was not being helped over the phone. I paid the account off and my account was once again closed. About 6 weeks later I received an account summary in the mail from TD Bank. It was a new bank account that was opened with no money in it but it was charging me a {$1.00} maintenance fee. I did NOT open this account and I went back to the bank to get it taken care of. Once again, this account was closed. About a month after that, I received another account summary in the mail from TD Bank charging me another {$1.00} in maintenance fees for an acct. Because I now live about 40 minutes from the TD Bank and because when I called the vice president I was dealing with was on vacation, I wrote a long email to the vice president at the bank. I received a response back saying " escalating this matter immediately ''. I just received a new summary on XX/XX/XXXX, now a few weeks later, saying that my account with TD Bank is now PAST DUE a {$2.00} maintenance fee! I don't know what else to do. They will not close my account even though I closed them myself in XX/XX/XXXX. My credit score is being affected by these " late fees '' I've contacted the bank over 3 times already!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After, receiving an invitation, and being eligible to apply for a NAVY FEDERAL personal checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal checking account on NAVY FEDERAL. I filled out the form online, and provided every document required. I was immediately approved for a new personal checking account. Throughout the year I enjoyed my personal checking account and remained in great relations with NAVY FEDERAL, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My NAVY FEDERAL ACCOUNTS were hacked, and information was stolen and used for multiple fraudulent charges. NAVY FEDERAL was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of Navy Federal mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my John DOE. I was uncomfortable with continuing business with navy federal credit union. I beg and plead with navy federal to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from NAVY FEDERAL pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by NAVY FEDERAL. As I took the representative advice once again my account was hacked, and NAVY FEDERAL failed to protect me as a consumer. Navy Federal finally agreed to close the checking account with a {$0.00} dollar balance. the company also agreed to issue out the original deposit for each transaction not approved. On XX/XX/2022 I received a threaten letter in which stated, I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Navy Federal is running my credit reputation by reporting a balance of {$1100.00} dollars in which, is not owed. Navy Federal did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
There's information on my credit report that is not accurate and i would like it to be removed asap. Its stopping me for getting a home and car and it needs to be removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11
Company: WELLS FARGO & COMPANY
State: IL
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 currently bank with Wells Fargo, I use their " XXXX XXXX '' rewards credit card at the moment. On XX/XX/2018 my XXXX credit score dropped 29 pts from XXXX to XXXX ... And my XXXX  credit score dropped 28 pts from XXXX to XXXX ... I'm not sure why Wells Fargo would do this to my credit score but I'm very disappointed and confused as to why my credit score would drop so far? I have worked really hard to build it up over the years. I have never missed a payment in the lifetime of my credit and I have always paid my credit debts off FAST even if my balance gets a little high from time to time. I would truly appreciate it if this could somehow be fixed. Thank you

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 2023-05-11
Company: Apothaker & Associates, PC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 my bank account was frozen and levied by Apothaker Scian P.C . I was never notified of lawsuit or debt. I do not believe this XXXX debt is mine. I searched local court records for this judgment and there is no file. I never had a XXXX card and was never informed of this legal action or judgment. I will contact the law firm to gather more information about this judgment to fight it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is XXXX credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and fradulent accounts that are on my credit reports. It has been over 45 days and I have not received a response from the credit bureaus. At this point I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) clearly states that failure to investigate these items in 30 days gives a reason to immediately remove these items from my credit reports. It has been over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten my info into the hands of the wrong person. 
The accounts I am referring to are : XXXX XXXX XXXX {$0.00}, XXXX {$5700.00}, XXXX at Midtown {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: NV
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 medical is bill is not my bill. I believe someone is trying to use my information. I sent you my personal documents to prove its me and note that I am not a lender nor a credit repair schemed company. Please remove this data immediately as I have stellar credit.

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 2018-07-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 I spoke with XXXX XXXXXXXX XXXX and resolved that an account they was reporting on my credit report was not mine XXXX XXXX XXXX concluded in there investigation the account was opened fruadulantly and removed there account from my credit reports, I contacted XXXX XXXX as directed by XXXX XXXX XXXX and the phone receptionist assured me the account listed by them would be deleted within 72hours and still they're reporting negative inaccurate data on my credit report causing me to be denied credit and employment in my field of work, I sent direct dispute letters with no response. XXXX XXXX is knowingly and willfully reporting inaccurate incorrect information about this account that does not belong to me. The account reporting is incorrect in their files according to the receptionist it doesn't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2017-09-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX, XXXX I attempted to make a {$20.00} payment towards my account as I have been in a financial struggle. Customer Service agent who I spoke with stated that as long as I make a payment of any amount that my account would remain open. XXXX/XXXX/XXXX I attempted to make another payment and upon accessing my account it stated it was CLOSED. I never received email notification or written letter notification of my account being in jeopardy of closing. No phone calls were made. My minimum due is {$220.00} and a service representative stated that I could make small payments $ XXXX- {$30.00} per month to get the minimum amount due paid. I spoke to a representative today XXXX/XXXX/XXXX who argued with me and said once an account is closed it ca n't be reopened. I know for a fact it can. 

I am attempting to pay the debt off and instead of keeping it open for me to do so they closed it. Closing my account has significantly affected my credit score. The rudest customer service representatives and a Supervisor who would n't answer my questions.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Company failed to investigate a late payment reporting inaccurately on my credit report I open the investigation they close it the next day as accurate Ive included a letter from the creditor and they still refuse to remove the late payment

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 2023-05-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Company has refused to remove inaccurate information regarding late payments on my account as well as inquiries I did not authorize. I submitted the letters from the creditors advising the late payments being reported are inaccurate and to update them to pays as agreed on time and the credit reporting agency has failed to investigate and remove the inaccurate late payments

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 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One is attempting to collect unnecessary identity documentation in processing credit card applications. In addition to me being a customer for multiple years, having multiple different accounts with them, multiple credit accounts paid in full, all of my information remaining the same, and me applying for this credit card from my account log in and applying for an offer that they made me, I also provided them with the additional documentation they asked for but then they wanted more documentation. Further, they have very low level employees who are working privately from home, and who have access to everybodys private financial information. I had one such employee, ask me to verify certain information which sounded suspicious, and I reported it to her manager and he admitted that she should not have tried to verify such information and that they would review that call. I also had this same exact problem with capital one back in 2018. I then asked the manager why is it so difficult to obtain a small credit card with capital one but its so easy to get a car loan with capital one. I got a car loan with capital one in 5 minutes with providing no documentation beyond my drivers license. He then answered me that they are less worried about fraud when there is collateral involved!!!!!!!! How about that!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, 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:
Fraud has been committed by XXXX XXXX An account appears on my consumer report I never gave them permission to report to my private property. This account do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: FL
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, I received notification from XXXX XXXX XXXXXXXX For a debt I had no knowledge of from XXXX XXXX   XXXX from an account that I learned from calling XXXX XXXX that was closed out 8 years ago and know just learning that i owe money to them. My question is doesn't this fall under the statue of limitation of 4 to 6 years to collect, also this is the first time I'm hearing about this after receiving my mail Saturday XX/XX/XXXX of 2018 which contained this noticiatation letter stating that I owe only 8 year after the fact they closed out my account with XXXX XXXX in 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