BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
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 student loans were forgiven in XX/XX/2020 by fed loan servicing. For some reason the company intentionally or in error removed the loan completely as a trade line on my credit report. I asked them to please re report to the three credit bureaus reflecting paid in full, satisfied with no late or missed payments. The credit bureaus have no evidence fed loans has done this. In fact XXXX  said if they had in fact done this it would have posted same day. Fed loans is dragging their feet and not helping me and they made the error by removing not completely as a trade line. This affects my credit score. I simply ask that they resubmit showing paid in full, satisfied with no late or missed payments. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested to get my student loan refunded back to me with the support of the Care Act. Great Lakes has not refunded my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had my card data stolen and reported the fraud to 53 bank. Initially the said the charges were valid then I contested and finally they said they were fraud and I would receive credit. During the time of the fraud with the high balance showing ( XXXX ) I overpaid what I actually owed. I have contacted the bank numerous times to have this corrected and they keep telling me they will resolve in 3-5 days but the credit is on my cancelled card. I am trying to get the credit transferred to my new card balance but there are no results. This has gone on for about 6 months. I don't know what else to do but keep calling and getting empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  .

On XX/XX/XXXX, XXXX 'XXXX  XXXX XXXX add a hard inquiriy on my credit report per 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 2023-08-17
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Asset Collections Inc
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I had a very old car debt in the state of XXXX from XXXX and then i lost my job, moved away, the debt was past seven years which is the allotted time limit for debts to be removed or expired from your credit reports. They sued me in the state of XXXX without notice and i don't live in XXXX and i purchased the car in XXXX where I'm from also was living. So they are illegally garnishment my wages to my part time seasonal job, that only last 4months out of the year. They are still doing it to this day XX/XX/XXXX without any legal paperwork mailed to me or delivered.I now live in XXXX XXXX for the last 6years! The company is Asset Recovery Sulution LLC.Debt Collector

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Information is missing that should be on the report

Complaint:
CFPB + Equifax, This complaint is in regards to many inaccuracies on my Equifax credit report dated XX/XX/2023 that need to be corrected. 

Attached to this complaint are : - My drivers license- shows my identity and address - My written complaint detailing each incidence with proof Please have these corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: MN
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 have a closed account that was charged off over XXXX XXXX XXXX through XXXX but is still being reported on my credit report. I have filed several times to have it removed. XXXX did but Equifax and XXXX have refused to remove it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have 2 loans with Navient. One large and one small. I have called several times to discuss payment plans. It is only a temporary fix and payment is not affordable. Navient is the worst to work with. My loans started off at {$9000.00} and now up to {$30000.00}. I feel like my life is ruined due to these sharks who just want your money and do not feel the pain that I go through in life. I keep getting mail, calls, and emails from them. They keep saying they have options, I call and nothing changes with the options presented to me. I was told that if I do not make a payment that my account will go to collections due to none payment. My issue is that I have 2 loans with them. One of them is only about a month behind in the payment and I went online to make a payment today and they locked me out of getting access to my account. The large one is several months behind in the payment which I can understand. Why would they take away access to the smaller loan which i planned on paying on. I will not pay any collection agency. I still want to work with Navient but they seem to not have any options for me. I know several people with Navient loans and most of them are in default due to no options for private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: MD
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:
Experian, XXXX  and XXXX  : I am requesting affidavit forms to be sign and notarize by a senior executive verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give XXXX, Experian or XXXX  ( consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for XXXX, Experian or XXXX  to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by XXXX, Experian or XXXX, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to XXXX, Experian or XXXX  to create a report or file to furnish to creditor or alike. I did not give XXXX, Experian or XXXX  the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. XXXX, Experian and XXXX  falsely claim to have authorizations to create credit reports and files. XXXX, Experian and XXXX  shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.

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 2020-10-31
Company: EQUIFAX, INC.
State: VA
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 complaint is all three credit bureaus XXXX, EquifaxXXXX  XXXX  are reporting this XXXX account XXXX XXXX  XXXX  which is a charge off. I called XXXX XXXX  XXXX  to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX  XXXX, XXXX ( XXXX ). I spoke to agent at XXXX and explained to them that XXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXX XXXX  account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX  to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXX XXXX  will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX.I asked XXXX to remove XXXX  XXXX  account since I paid the balance now there telling me to call XXXX  XXXX  to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This was the original citibank offer which I signed up for : -- -- -- -- -- -- -- -- -- - Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days You can also get an extra {$100.00} on the {$400.00} bonus when you complete one qualifying direct deposit each month for two consecutive months within 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I call citibank after I opened checkin/savings acct. The bonus time period has completed, but Citibank is stating that it might take few months to resolve the issues.

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 2020-10-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for the information you have sent thus far and I have an additional request. 
However, I do not understand why you withhold information that is readily at your hands. Nor do I understand why you " decline to produce any further documentation '' except through subpoena per your letter dated XXXX XXXX, XXXX XXXX  XXXX. Is there harm that can come upon Chase for supplying this information or do you not have the information to be used to my benefit? I believe everyone has the right to receive information to prove their truth. I have asked for the details of the fraudulent payments made in XXXX. The fraudulent payments were payments not made or authorized by me and subsequently " bounced '' with a fictitious account number. These included payments made XX/XX/XXXX of {$7000.00}, AND THEN THE FOLLOWING DAY XX/XX/XXXX another payment of {$2000.00} and then ALLOWING another payment MORE THAN ONE MONTH LATER on XX/XX/XXXX of {$10000.00}. AND purchases that month were {$10000.00}. A child could see that this was fraud. This is why I am requesting alll details for payments. 
In addition, may I have the transcripts for all conversations you have referenced in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
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 never applied for a mortgage loan to XXXX. Information reported is from XXXX XXXX, and it was resolved and removed from my reports. Information reported corresponds to XXXX XXXX. The dealer by LAW may not be changing the information to harm the consumer. Account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Under the New Law effective XXXX XXXX, 2017, any public record data must include name and address as well as SSN or D.O.B in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report but I haven't received any response it cause me stress. I demand to DELETE ASAP those accounts or I will file a litigation.

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 2022-11-23
Company: EQUIFAX, INC.
State: OH
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Toyota Motor Credit has been negatively reporting to my account for yeas. Despite repeated requests from the credit bureaus and Toyota Motor Credit themselves, I have not received validation of debt. In a final chance to remedy this issue, I requested the validation and Toyota Motor Credit has not responded. I sent a letter with copies of my current drivers license and social security card via Certified Mail Signature Requested postage. Toyota Motor Credit received it XX/XX/2020 but did not reply to me, in direct violation of the FCRA. The amount is {$2600.00} and the charge off eviscerates my credit report month after month. This negatively impacts my job seeking opportunities and ability to obtain reasonable credit. I would like this deleted or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
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: Information belongs to someone else

Complaint:
After reviewing my credit report, I found numerous accounts listed that I have no knwledge of and was a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
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: Information belongs to someone else

Complaint:
After reviewing my credit report, I found numerous accounts listed that I have no knwledge of and was a result of malpractice.

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 2023-02-17
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint filed with you for a debt on XX/XX/XXXX. I received a letter from Transworld Systems Inc in response. Stating to send them a full police report, also register with identitytheft.gov. I did these, I also submitted copies of my paychecks for the time I was supposedly living in XXXX and this debt was incurred.I work in XXXX and have for 8 years now. Never been to XXXX. 
I was given a name in their letter of XXXX XXXX, I have left numerous voicemails for her, and called the complaint line. I have not received anything back. I have called her at least XXXX time and left voice mails. 
All the information plus my pay stubs we mailed to them on XX/XX/XXXX. Registered mail, they were received and signed for on XX/XX/XXXX at XXXX. 
I have not heard anything and want this removed from my credit report.

Company response to consumer: Closed with explanation