BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/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 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I noticed an inquiry for capital one back in XXXX, I called capital one and was told I was approved for a credit card that I did not apply for and that my last name was spelled wrong. I just received a letter from XXXX XXXX that they had a malware attack and my social and name were included in this attack.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have new and updated information from the credit reporting agency TRANS UNION. TRANS UNION did not comply with a proper investigation when I disputed the fraudulent hard inquiries on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). TRANS UNION responded by stating that I did not include my address on the FTC Report and they could not delete those inquiries because of that reason, although when filing an FTC Report form it does NOT require my address information in order to file a successful fraud complaint. This is a violation of my Federal rights because I have alerted and made TRANS UNION aware of the fraudulent, inaccurate and unverifiable information on my consumer report and they continue to report these fraudulent inquiries.This is causing me a great deal of emotional distress. I have provided a SECOND Identity theft report with my address in attempt to comply with TRANS UNION 'S request although the FTC does NOT require the address in order to file a complaint.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These accounts are inaccurately and erroneously reported in EXPERIAN. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to EXPERIAN Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( LATE/CLOSED ) XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ( COLLECTION ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance {$29000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$380.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$1700.00}

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 2021-09-17
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a complaint with CFPB on XXXX about Comenity Bank and XXXX XXXX. CFPB sent me the results of the complaint after the company responded. The company me a letter saying to write them with the account number. How would I know the account number when the account was opened through Identity Theft? I would like this taken off my credit because it is affecting my credit score. The original complaint number is XXXX. Thanl you for your assistance,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
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: Old information reappears or never goes away

Complaint:
The age of the account ending in XXXX is old and outdated. It is over XXXX years old. The account needs to be removed from my credit report.

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 2018-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have made several requests to get this Home Equity Line of Credit Refinanced. In XX/XX/XXXX I filed a complaint with this agency and received a letter stating that it had been closed since the bank indicated they would work with me accepting the documents previously submitted. 

Shortly there after the bank began requesting additional documents. They finally clarified in XX/XX/XXXX that a letter of explanation would be acceptable. The letter was provided and I was told that the documents had been submitted to underwriting and they were awaiting a decision. At the same time they informed me that the loan was being transferred to a new company, XX/XX/XXXX and that the new company would take over the loan refinancing where the bank had left off. 

After XX/XX/XXXX, I placed several phone calls to the new company, who indicated they had no records on my account. Calls to the original bank indicated that they had no records on the loan as they had all been transferred to the new servicer. 

Last week, I received a letter from the new servicer dated XX/XX/XXXX, indicating that all future payments should come to them. 

I called the new servicer today and was told that they are only a debt collector and could do nothing about the refinancing. When I asked about payment arrangements, they indicated that I could submit payments, however the account would still be considered delinquent and the interest rate is 2 % daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, 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 information incorrect

Complaint:
I have sent letter to the 3 credit reporting agencies to have hard inquiries removed from my credit report, as those were not my inquires, and I am unsure how they got there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Transactions are " parked '' in " pending '' to extract unauthorized interest. The intentional delay constitutes fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive been staying with a friend of mine and that person has been using my cards and using my information, I asked her if she used my stuff she told me no she didn't but she's the only one around that would personal stuff, after I removed myself from staying with that person, so basically navy federal has not help me all from XXXX till XXXX all my money from school was used plus she's was calling in from my phone open up claims where I had to close out the account and Get a new phone navy federal has denied my claim twice regarding this issue I just want my money and that's all I have already tried to file a police report and I can't, they won't because they don't know if its her. I had to file for identity thief due to this person, also she didn't use just my navy federal she used my XXXX  XXXX and XXXX XXXX which has successfully called XXXX and told them about the transactions and they have emailed saying that they can give me a letter regarding the information and they would help in anyway to try to get back the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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:
Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2017-07-14
Company: EQUIFAX, 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:
Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX I made an escalation report with XXXX spouse again to bank of America XXXX XXXX XXXX in person XXXX  XXXX va from my fraud original report in XXXX XXXX manager Bank of America has denied a credit card opened in my name of XXXX and last payment recorded was XXXX on XXXX. The year I first reported fraud and identity theft to police and all credit agencies and the FTC and office of comptroller USA and federal law enforcement USPS crime unit for us mail theft. Of over 240 k from XXXX and XXXX and XXXX settlement payouts plus a XXXX XXXX XXXX broker account opened in my name in XXXX as per XXXX XXXX at XXXX XXXX XXXX. I sold XXXX XXXX follars of XXXX stock in XXXX NOT XXXX AND IT IS NO WHERE DOCUmeNTED with XXXX XXXX XXXX XXXX XXXX agent XXXX nc. And they sent me a piece of paper with stating account opened XXXX {$3700.00} balance and a check issued in approx XXXX. I never received this either. The FBI left me a message in XX/XX/XXXX reporting they had evidence of suspicious activity on my SSN #. 
THE BOA ESCALATION REPORT HAD MY SOLE ACcounT OF XXXX OPENED in XXXX. I inquired. No response. There was other incorrect phone # nfo and addresses on my screen for my escalation report in XX/XX/XXXX with spouse. It stated updated in XXXX to XXXX   XXXX  XXXX. I have not lived there since XXXX and I did not have an account with Boa in XXXX. AS per XXXX from boa regulatory I was promised the original signature cards from XXXX due to my fraud and identity theft in my name but i have never received the signature cards from XXXX even notifying XXXX I did not open a boa account in XXXX after XXXX intense fraud research on my XXXX in XXXX XX/XX/XXXX she stated it was opened XX/XX/XXXX. 
I have enclosed my XXXX  credit report dated XX/XX/XXXX that has on record the XXXX boa account opened in my name ( that I have never used or received just like the bank card issued to me on XXXX that I never received or used and just like re atm card I order from XXXX XX/XX/XXXX that I have never received I reported to the cfpb recently ) that boa denies as per XXXX. I finally found proof of the boa account from XXXX last payment documented on XXXX  report of XXXX XXXX XXXX with XXXX XXXX. I have never received it or used!!!!!!!!!! As I stated to XXXX and spouse.

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 2017-07-26
Company: Nelnet, Inc.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear XXXX XXXX XXXX ( XXXX/XXXX XXXX XXXX XXXX ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.

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 2022-02-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Applied for XXXX XXXX  XXXX. Fed loan servicing is returning repeatedly application. I have been submitted my employment verification once a year for ten years, I have worked for 29 years as a XXXX XXXX XXXX XXXX XXXX XXXX. At this point, I have never received a response as to why they are ignoring my application is rejected,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my savings account approximately 2 years ago, sorry I do n't have the exact date. Then all a few month ago I started receiving statements with an  XXXX  cent balance. Last month I received a notice dated   XX/XX/XXXX     notifying me that my account was overdrawn in the amount of {$58.00} and the account was closed. The notice as stated that I was still responsible for paying the overdrawn amount and that my account  may  be referred to collections.  <P/> I incurred a monthly service fee in the amount of {$25.00} and overdraft fee of {$34.00}. On XX/XX/XXXX    I called customer service to deal with the issue. I spent over an hour and they were not able to help me, they referred me to go to the local branch. I visited my local branch on   XX/XX/XXXX     and again they were not able to clear things for me.  <P/> I do n't understand how an account that I closed ended up in these issues and now I have to spend all this time to fix the problem.  <P/> I am beyond frustrated and do n't know which route to take.

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 monetary relief
Consumer complaint received 2017-07-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
1. My student loan was in non payment status because I was in college on a half time basis.
2. I have XXXX ongoing medical problems which require XXXX-XXXX medical appointments per day depending on my symptoms. 3. Last XXXX, 2017, I was unable to walk.
4. Several medical found XXXX additional medical problems. 5. Therefore, I was unable to return to college and maintain my 1/2 student status which qualifies me for non-payment status. 6. I called Navient and advised that I could NOT download the Income Driven Repayment Plan paperwork at the public library. So, they mailed me the paperwork.
7. To protect my credit, I made 5 -8 calls to Navient. I was assured that as long as I called my status would be fine.
8. In the interim, my health deteriorated. I spent 4 weeks in a health institute 3 hours from my home WITHOUT mail access. 9. When I called Navient in XXXX XXXX, 2017, XXXX XXXX, had no knowledge of the points mentioned in 1-8 above. 10. Concerned about negative credit reports, I asked to speak with A supervisor. I waited 40 minutes. No supervisors available. I was FORCED to release the line.
11. Because of the XXXX medical problems, XXXX mile commut to doctors office, I asked if XXXX XXXX supervisor, XXXX XXXX could call me Mon-Friday between XXXX XXXX Pacific Time . He advised that she COULD NOT and no other supervisors could call. 12. I made 4 calls to other Navient offices including the Navient Consumer Advocate. Also, I sent the Advocates Office an email. Receipt was confirmed by email.
13. Borrowers are left on hold, or forced to release the line after 30 minutes. If we call again, the cycle is ONLY repeated with no resolution or proof we are working to resolve the issue.
14. I had a question about the Income Driven Repayment Plan paperwork and I want the promise that if I call Navient, my credit will not be affected. Please forward my email to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in XXXX days, that was XXXX months ago. I called in today XXXX to XXXX times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not crown asset manager. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and crown asset management received the settlement letter within the XXXX days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to debtsy, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to debtsy. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.

Company response to consumer: Closed with explanation