BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: EQUIFAX, 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 hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had many issues with Navient during the repayment of my student loans. The phone numbers that they provide in their mailings are often inaccurate. When I call, I frequently get transferred around from department to department. It is not unusual to spend over an hour trying to get to a live person who can help answer account questions. Many of their customer service agents simply hang up on me when I start asking questions. When I email, I get a reply saying to call. 

I have two private loans currently serviced by Navient. I believe that Navient has not appropriately applied the interest rate that I qualified for under the interest rate reduction plan. I have to apply annually for the interest rate reduction plan, and I have qualified for this plan every year since I graduated. 

I also believe that Navient has not appropriately applied my payments to my account. I have to private loans and 8 federal student loans. Payments get applied to the wrong student loans. Navient does not provide a clear way to view how my payments are being applied and does not apply my payments to the correct loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
city bank withdrew money from my checking account claiming that it was their deposit while it was return from a canceled transaction which somehow disappeared from my bank monthly statement

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 2019-12-19
Company: World Omni Financial Corp.
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:
XXXX XXXX XXXX XXXX XXXX Car Dealer ) and World Omni Financial Corp ( Finance Company ) opened a car loan using my personal information. I had no knowledge nor did I authorized XXXX XXXX XXXXf XXXX, Omni Financial Corp or anyone else to use my personal information to attain credit. The the loan was open XX/XX/2017, in the amount of {$25000.00}. I have contacted both XXXX XXXX XXXX   XXXX and Omni Financial Corp. I have explained the issue to both companies numerous times " That I didn't sign for a vehicle or a car loan ''. I have filed a police report with two different police departments. I have disputed this account two times with all three ( 3 ) Credit Bureaus. XXXX  reinstated my credit score back to XXXX, but XXXX XXXX and XXXX continue to allow my credit to take hits and fall. I have also went on line and file an identity theft report. I have emailed a copy of the police reports, identity theft report and copies of the loan paper to World Omni Financial Corp . I have asked World Omni Financial Corp to investigate this issue and stop reporting bad information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I have been an American Express business platinum customer since 2010 and never had a late payment. Last month after encountering a financial difficulty due to my main client refusing to pay its {$96000.00} invoice due to me, I called Amex to ask them if they have any options for me to pay my {$2000.00} bill that I wasn't able to pay that month. They told me, no and until I know when I can pay it, they can not do anything. I wasn't expecting for them to cancel my card after only one month late. They also canceled my personal credit card, which ends up reducing my credit score from XXXX to XXXXin 30 days. That caused to have all my other creditors to reduce my credit limits and raise my interest rates. Therefore I now have no credit card available, no income coming before after the holidays. and several accounts went to collection. Which will now end up costing me a fortune in damages created by that action from Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
On XX/XX/2023 searching a car loan went to XXXX XXXX services and click on the tool this website which clear states that SEE IF YOU PREQUALIFY WITH NO IMPACT TO YOUR CREDIT. XXXX XXXX did not pre qualify me. Half an hour later I got a phone call from XXXX XXXX XXXX OF XXXX TEXAS, offering me a car ( XXXX ) I said to them that I was not interested and 30 minutes after that call I got alerts from Experian that somebody looked at my credit creating a hard pull. I did not contact this dealership requesting credit from them or authorizing them to ran my credit without my consent I did asked them to remove that inquiry since I did not authorized them to ran my credit. This a clear violation on my rights as consumer and a form of identity theft.

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 2022-01-15
Company: Bread Financial Holdings, Inc.
State: MD
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 received my statement in the mail from Comenity - Ultamate Rewards Mastercard and initiated payment via my bank on XX/XX/XXXX and my bank records indicate the payment was delivered by XX/XX/XXXX. Comenity claims they did not receive payment until XX/XX/XXXX and issued a {$31.00} late fee. I do not feel that I was justly charged a late fee, nor should I have this reported on my credit. The company would only offer a {$15.00} credit and requested payment over the phone with them that would be a {$9.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. The information listed above, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-11
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX my father received a call from XXXX he was questioning about my where abouts and where I lived at. He told my father that was offering a job and was trying to get general information about me. I dad finally realized that this was not an employer and told him to stop calling he. He then began to hostile and my father hung up. 
The same number has contacted my mother more then 10 times  through out the day between the hours of XXXX-XXXX. He has threated her and told her that if she does not provide information about me he will pursue legal action. on numerous occasions my mother has told him to stop calling and harassing her. He called again on XX/XX/XXXX at XXXX and has threated her and harassed her. 
on XX/XX/XXXX at XXXX he contacted my work spoke to a student assistant and demanded to know if I worked there and the work site address. The student assistant provided the worksite address thinking it was regards to work. The phone call was transferred to my desk, and I explain XXXX XXXX XXXX to stop harassing my parents, sibling and friends. That my parents will be will be calling the police department in regards to harassment. I told him to stop calling me and hung up. 

I'm not sure who this person is, he is falsifying and pretending to be someone an employer, just to get information on me. It has been over a year and he continues to harass me. It has gotten to the point that he has contacted my employer. This is unacceptable. 

XXXX XXXX XXXX XXXX, XXXX XXXX is the information I have on this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a payment through the XXXX XXXX  app and also set up auto pay. The auto pay never processed. I also have alerts set up on my account so that if there is a payment missed or late, I would be notified, Not only did the autopay not process but I also did not receive any alerts. I was only notified by XXXX XXXX that a payment was missed. I called XXXX XXXXXXXX to report the system error and they transferred me around for 3 hours. They admitted that there could have been a system issue with the app but continued to insist that there was nothing they could do about it. This is very unfair and wrong. I am doing my best to pay this debt off. This is a closed account. I should not be going through this. Can you please help.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I sent to the COLLECTION BUREAU XXXX XXXX a letter and beyond the time allowed by Federal law have not heard back from them informing me if an investigation has taken place. The letter I sent to the COLLECTION BUREAU XXXX XXXX icluded all supporting documents including an FTC report showing all fraudulent accounts that were opened in my name. Of those still being reported on my Credit report is one and thats by COLLECTION BUREAU XXXX XXXX all other accounts held by other collections agencies were deleted. I informed them that there was a fraudulent account being reported by them on my XXXX credit profile. I'm desiring to get passed this ongoing attempt to be given what is righteously due to me, JUSTICE. I have provided COLLECTION BUREAU OF XXXX with laws they are violating against me and also informed them of what my financial compensation could be if they are found to be willfully or negligently non willfully causing me pain by not deleting this erroneous and fraudulent information as stated in the FCRA. I have given to this company FTC reports, statements personally by me via letter about how I had been defrauded, as well as other laws that are being ignored. It seems I am being purposefully ignored and mistreated by the COLLECTION BUREAU XXXX XXXX. I will NOT be taken advantage of anymore. Delete this from my report as it is not mine! and I will not participate in the collection of this debt. Delete or next I will seek litigation. I have provided an attachment that contains my FTC report, dispute sent to the COLLECTION BUREAU XXXX XXXX on XX/XX/2022, Drivers License ( this is also is my proof of current residence as I do not have any bills in my name ), and my social security card. I gave the COLLECTION BUREAU XXXX XXXX No permissible purpose to report anything on my report and demand this be deleted according to 15 U.S. Code 1681b PERMISSIBLE PURPOSE OF CONSUMERS REPORTS. According to my rights in the FDCPA I also am requesting communication between me and you to cease and desist. Unless you can provide me with the Original contractual Documents bearing my signature, as well as the statue of limitation of that debt present I again am being violated and the account MUST BE DELETE AT ONCE. DELETE this fraudulent account. I had no knowledge it existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted an application for Public Service Loan Forgiveness to Mohela in XX/XX/XXXX. I received confirmation over the phone that my application was received and processed on XX/XX/XXXX. I was also provided information to log into my newly created Mohela account. I was able to log into the account and noticed that my last name was spelled incorrectly. To be clear, my name is spelled correctly on my application but Mohela spelled it incorrectly on my account. I called Mohela and spoke to XXXX ( Customer Relations Supervisor ) on XX/XX/XXXX and she indicated that she will send an email to the department that handles the name corrections. I logged into my account again today and the name has not been corrected. I called back and was put on hold to speak with a supervisor, I was on hold for two hours and no one picked up the phone until the call dropped. I called back and once again i was put on hold to speak with a supervisor until the call dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from XXXX XXXX XXXX USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.

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 2023-04-25
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: Investigation took more than 30 days

Complaint:
XXXX as always taking way longer than 30 days this is illegal and I want to file legal actions.

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 2023-08-09
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 information incorrect

Complaint:
Upon careful review of the Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer

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