BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the inaccuracy of this account on multiple occasions for years. I have submitted concrete proof of school records that shows both of my children are in my care. XXXX has DELETED the account from my Credit Report but XXXX and EXPERIAN continue to violate my rights. 

Please be advised the inaccuracy and fraudulent reporting of the account below has negatively impacted my ability obtain credit and build a life for my family. Not only is it a deformation of my character but it incorrect and has been detrimental to moving my life forward with my wife and children. This account has stopped me from being able to purchase a home and a second vehicle for my family. You will also see with my childrens school records attached to this letter, that my XXXX children that are attached to this account have lived with my wife and I for most of their school career. Let the record reflect that their mother lived XXXX hours away from my wife and I, making her not regularly present in their lives. It was only when she decided she wanted to a mother again in XX/XX/2020 that she took me back to court to have the court remove them from my home and their school to place them back in her home. Let the record also show that my wife and I then relocated XXXX hours to ensure that our children remained together. My sons are now back in our home once again. This has been both an emotional and financial hardship for my wife and I as well as our other XXXX children. 


Account Name : OFFICE OF ATTORNEY GENERAL Account Number : 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 2017-03-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a XXXX year old XXXX and XXXX. I co- signed a student loan for my niece over 15 years ago. The XXXX has left me XXXX. I was a XXXX and therefore I have been unable to work. I am in a fixed income. I have sent multiple XXXX letters to Navient that I can no longer afford the {$300.00} payments for my niece. She has quit speaking to me years ago. I have paid the loan faithfully for over a decade. Navient keeps saying that they take my niece 's finances into account yet my niece does not pay the loan. They threaten and call me daily, often early in the morning a XXXX weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are loans from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX on XXXX, XXXX and transunion. These loan are not mine and i have reach out to them. XXXX XXXX does not have much information on the loan and are unable to tell me much about it.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are loans from XXXX XXXX XXXX servicing center, and XXXX XXXX on experian, XXXX and XXXX. These loan are not mine and i have reach out to them. XXXX XXXX does not have much information on the loan and are unable to tell me much about it.

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 2019-06-09
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 belongs to someone else

Complaint:
These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Good Morning, The reason i am writing to you is because i previously opened 2 disputes with Equifax and the results say the information will be deleted but when i checked my most recent report from their site and from myfico the old incorrect information remains. can you please help me get this correct. i will be attaching the resaults that they indicated that this information was deleted and another that shows its still on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am truly disappointed with this company.. I called this morning, XX/XX/2022 at XXXX EST, to request a copy of my credit report and score. I spoke with a rep by the name of XXXX, they won't give you they're full name, to place the request. As I'm speaking with this rep, of course the normal way they send the report is via mail, however I asked if the report could be emailed. The rep said it could be requested for a charge of {$9.00}. I agreed to pay the charge to have my report sent immediately. The rep verified my email address, processed the charge and stated the report would be to my email address in about 5-10 minutes. Well its now been two hours since I spoke with this rep, no credit report has been received, so I called back and spoke " 4 '' different reps, including " 2 '' supposedly supervisors, but found out the report could not be emailed that I was provided incorrect information. I've had to request for the charge to be refunded and I will go online and request my report. This is unbelievable how much lack of responsibility for they're errors which is unacceptable, especially when they have access to our personal information that affects our lives. I no longer trust this bureau with my personal information and I am now concerned what will happen to my credit report from this bureau in the future. I also have to contact my financial institution to dispute this charge. There are also several negative complaints on XXXX about TransUnion.

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 2016-11-22
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan is charged off due to me filing a bankruptcy and it is delinquent. I was transferred to XXXX to make payments and I did fine for 37-38 months with no problems. XXXX was auto debiting my account directly for {$110.00} a month and I was placed into a reduced interest rate program. With no warning my account was taken from XXXX and given to another company at the same time I was n't aware my auto payment stopped. At this time I was immediately placed into a delinquent status and reporting to my credit report for non payment. I found out my loan transferred twice since XXXX and I was finally able to get it re-established today with the latest company handling the delinquent porfolio. When I contact Navient Customer Service they place me in a round robin of transfers and they wo n't provide me with the direct number to the company handling the loan. I 've spoken to XXXX, Navient Customer Service, XXXX, then with XXXX. Navient is saying they can only collect the full amount due and I have to speak with a servicer who handles the loan to do anything further because it 's charged off. I called the final company XXXX the first representative said they no longer serviced my account. I had to start the call pattern over again it was n't until I called Navient again and became irate that she stayed on line until she got me to the proper company. Due to all these servicing transfers payments have not been collected and I am also disappointed that my credit is impacted even more due to their internal servicing transfers and poor communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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:
There are fraudulent inquiries being reported on my Equifax consumer credit report and file. Pursuant to 15usc 1602p this is unauthorized use, because no person was given the authority to use my credit card or furnish these inquiries on my consumer credit report and file, nor did I benefit from these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have this credit card I am paying and trying my best as I could to pay and explain through phone calls that I am having hardship. I Had set up my account on them as " paperless '' that way no one knows but me. Even though I received a call from them and I had explained my part whats going on and even payed an amount that I could for now. They still sending letters to my address and It happens my husband received now he opens the letter and sees details and created us a grudge and he instructed me to leave the house. Now I am homeless. but my car. and what makes me furious is they said I never had payed 5 payments but I paid monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In response to the news about various complaints made against Navient, I wanted to also share my experience with the student loan servicing company. I have student loans from my XXXX eductation that my mom pays for. They were set up to automatically withdraw from her account and had been since I graduated nearly ten years ago. I do n't pay much attention to them because she pays them but they are in my name and attached to my credit report. I started a XXXX in 2015. Upon enrolling Navient automatically stopped the auto-withdraws from my mother 's account without asking permission to do so or even so much as informing either one of us. While you are allowed to stop payments when you are enrolled in school, you still accrue interest. I never intended to stop it nor did my mother. After a few months, she noticed it was no longer withdrawing and thought maybe it had been paid off. She asked me about it several months later. Luckily I was still enrolled in school so the lack of payments did n't impact my credit, but neither of us were aware that they had stopped payments and thus neither of us would have been aware that we would need to set that up again once I finished. I went online to try to set up payments again and could not do it. ( I have attached a screenshot of the screen to set up auto-payments where it says my accounts are not eligible ) Therefore, my loans, which my mom had no issue continuing to pay, are sitting there accruing interest because they wo n't accept auto-payments while I am in school. I believe this was a deceptive practice designed to create more income for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I have communicated with the creditor several times in reference to an account ( s ) that has been opened under my name fraudulently. On XX/XX/20 upon the request of the creditor, I supplied Bank of America N.A, and all CRAs ( credit reporting agencies ) a copy of Identity Theft reports and an explanation outlining the Identity Theft and misuse of personal information. The creditor has been reluctant to investigate and has misled me in several occasions while in communication with their customer service and/or fraud department. The credit reporting agencies have stated that the creditor has " verified the information '' yet has failed to substantiate my request for documentation.

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 2020-09-20
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: Information belongs to someone else

Complaint:
XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-03-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX I received a letter in the mail notifying me that I was approved for a promotional balance transfer of 0 % APR for 12 months. I got online and requested the balance transfer on my Amazon rewards credit card. I continued to use the credit card for amazon purchases. On my XXXX and XXXX bill, I was charged interest even though I paid down my balance to the balance transfer amount, which per the promotion would be charged 0 % interest. I called Chase to correct this error and they explained that payments are applied to the newest balance first and refused to refund the interest and correct my promotional balance. The advertisement was unfair, deceptive and not an accurate representation of the promotion being offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank has closed down my XXXX XXXX XXXX store card without my knowledge or consent. I found out about it from my credit monitoring company. The account was in good standing, never late, and it had {$0.00} balance.

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 2016-06-16
Company: GreenSky, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/2014 we went to Home depot and purchased granite for our counters. I made payments on this account monthly with no problem no late payments and I was paying this on the home depot website. As a year came around we received a call from the store clerk that they wanted for us to come in so they could give us our money back and cancel the order. I was ok with that because we have been really busy this past year and was not able to get the kitchen rebuilt. When we went to the store XXXX of the customer service attendants put the money we had paid to the loan back on our bank card. then a few weeks later I received a call from this company called green sky. they said I was late on my payment I was n't sure who they were and they explained they were the ones funding the loan for home depot. I said I was not aware of payment due. They then called home depot and returned to me and said every thing was good If I had any questions call home depot. I checked the web site later and there was no balance. I never heard from anyone again. In XXXX I tried to refinance and found that green sky had placed a derogatory statement on my credit reports and stated that I missed payments. they stated that there was a balance due because home depot should have paid them instead of me and they would return to me what was due me. I paid the balance they requested immediately. They said they would remove this from my credit report and they did not. My credit score dropped about XXXX points I did nothing. Home depot was the one that caused this I had nothing to do with it. I tried to talk to green sky but they refuse to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief