BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently entered into an income base payment plan with Navient. On  X/XX/17   , I received correspondence from them stating that my application had been accepted, and that my first payment of {$210.00} would be due  X/XX/17   . When I logged on to verify this information, my account was showing up as past due. I contacted the company at least a dozen times to get this corrected.On  XXXX , I spent over two hours on the phone with representatives and supervisors alike who told me they were very sorry for the trouble but were unable to help and that unless I paid the payment of {$720.00}, that my loans would be in default and that the late fees would increase. I confirmed multiple times that this amount would bring me current and that my next payment due would be {$210.00} on  X/XX/17   . I took out a loan and paid the payment   XXXX    . I logged back on to Navient to confirm that my payment was {$0.00}. I took a screen shot. This morning,  X/XX/17   , I logged back into Navient to see if my next payment amount and due date had updated. Now it was showing a payment of {$97.00} due  X/XX/17   . Completely confused, I called them once again. I was told, by a representative and a supervisor, that the payment due was a late fee and that it i actually due on  X/XX/17   . I asked why I was not given that information last week, and why the due date on the website was a month later than the one provided to me on their automated system, and was offered no reasonable explanation. The bottom line is that if I had n't called Navient to explain this charge, I would 've reasonably expected to pay {$97.00} prior to  X/XX/17.  And what would have actually happened, is that I would 've logged on to see more late fees, and a missed payment. Navient has consistently provided false information on their website as well as through their representatives. I have a full time job and children, and not only do n't have the time, but should n't be expected to log on and call Navient daily to make sure I have the most current information regarding amounts and due dates on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Nelnet, 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:
Not my accounts, never received anything verifying these are debts or their relation to me. This is a strict violation of FDCPA and FCRA. Also, talked to the company & they themselves lack any info & agreed to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XX/XX/XXXX and XX/XX/XXXXsince XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company Medical Data Systems , Inc. is attempting to collect a debt that I do not owe them. I have signed no paperwork nor agreed to anything with these people. Moreover, this debt was previous removed and now replaced back on my credit report causing me great financial harm.

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 2021-12-10
Company: JPMORGAN CHASE & CO.
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 never opened the account, JPMCB Card, XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ), Opened XX/XX/2013. The account is attached the following address : XXXX XXXX XXXX, XXXX, AZ XXXX. I have never resided at this address. I have never lived in Arizona or even visited Arizona. This fraudulent credit account is detrimental to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: GUARANTEED RATE 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: Reporting company used your report improperly

Complaint:
On XX/XX/2021 my credit report and my wife were pulled without our consent and approval. I had filled out an application for a mortgage loan on XXXX the following day XXXX I had canceled the request for the mortgage loan. 10 days later after this request was acknowledged KBHS Home Loans pulled my credit and stated it was for use on another loan as my wife and I were listed as co-buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 got out the military in XX/XX/XXXX. There is a XXXX of XXXX charge off in the amount of XXXX showing as charged off in XX/XX/XXXX when this was actually charged off back in XXXX. I tried to call the number that is showing on my report XXXX XXXX XXXX to get them to update there records but the line says its a non working number.

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 2019-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RECEVEID NOTICE FOR DEMAND OF PAYMENT OF ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES ... '' XXXX XXXX XXXX  AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, 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 that need to be deleted are listed in my 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 commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good afternoon, I'm contacting you in reference to my American Education Services, American Education Services has been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by XXXX and American Education Services My credit rating score was above XXXX. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as American educational service is doing illegal collecting and reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: WI
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: Other problem getting your report or credit score

Complaint:
I am attempting to lift a freeze on my credit report. Equifax is refusing all contact. My online acct credentials are refused and I'm told to call a customer service number ( XXXX ). That number requested my personal information in an unsecure manner, placed me on hold, and then finally answered to say their " system '' was down and they could not help me. 

The XXXX website interface asked me unrecognizable questions to verify my identity. I am hand mailing a request for a report now in an attempt to get Equifax to recognize me. Will take at least 2 weeks. 

I am XXXX years old. In the last 20-25 years, this or something similar has happened to me at least 5 times between the 3 agencies. Maybe 10. If your business is handling information and you do it this poorly, you should be out of business. Nothing less would satisfy me. But would you please at least hold them accountable enough that I can do business? Please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX Delaware has fraudulently re-aged their credit card account ( XXXX ) on my Equifax credit report and is incorrectly reporting a charged-off credit card account with a charge-off date that is 2 years newer than was previously reported. This is not accurate and XXXX XXXX XXXX is negatively affecting my ability to obtain housing, employment and credit. This fraudulent and harassing negative reporting by XXXX XXXX XXXX has damaged me financially and professionally and will result in a lawsuit or arbitration. This CFPB complaint will serve as a future record of the damages that XXXX XXXX XXXX has caused me to endure. The credit card account XXXX originally showed that it was charged off in XXXX of XXXX but it has been changed today to falsely show that the charge-off occurred in XXXX of XXXX which is not true. This caused my credit score to drop XXXX points and reduced me from XXXX XXXX to XXXX XXXX which has immediately caused me hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Fleet Financial 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 was checking rates online for auto refinancing which clearly states No credit pulled. I spoke to a XXXX with ilendingdirect.com reassured me that no credit pulled for checking rates. I havent applied with banks or any financing company. I received an email from XXXX saying they completed my dispute that I filed on another company. When I logged into my account I noticed my credit score dropped XXXX points and I know it wasnt from the dispute because I was disputing an account that had a balance that should have been closed with {$0.00} balance paid on time. I had paid off several accounts on last month which brought my score up over XXXX points bringing to almost perfect score. I havent had any inquiries since this past summer. I noticed one inquiry on XX/XX/XXXX from a XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Arizona XXXX, ph # XXXX ( per credit report ) which I havent applied and they should not have any of my information or any application completed or signed by me to do a hard or soft pulled. XXXX with ilendingdirect stated that our conversation was recorded so if the recording is played you will here me asked XXXX several of times to not run my credit. XXXX reassured me that he did not run my credit! I did not give XXXX  XXXX XXXX permission to pull my credit! XXXX had given an option to call or email but theres no email address provided. The phone # provided for the credit union is to report lost or stolen debit cards or someone with an bank account. I dont have an account so Ive tried to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
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: Their investigation did not fix an error on your report

Complaint:
I have been dealing w/ XXXX ,  XXXX  and Experian for the last six months regarding four accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX ,  XXXX  and Experian advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XXXX .  XXXX , Experian continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,  the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since    XXXX   XXXX    however there is no dollar amt attached.

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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the date, account ( XXXX ) and account number ( XXXX ) .This request has been denied and I would like thiese inaccurate information to be REMOVED. 

DATE DISPUTED XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX I would also like thiese inaccurate information to be UPDATED TO POSITIVE. 
DATE DISPUTED XXXX IN TRANSUNION XXXX AND 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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been dealing w/ XXXX , Transunion and   XXXX    for the last  XXXX  months regarding  XXXX  accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX , Transunion and  XXXX  advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XX/XX/XXXX . Transunion,   XXXX    continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.

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 2021-12-10
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Somebody gained access into my XXXX account where I had my current bank card linked to. Whoever that person was sent money to an unknown receiver totaling {$1800.00}. I attempted disputing through XXXX who told me to dispute through my bank. So I filed a dispute for all these transactions XX/XX/XXXX. A couple weeks later I received a response from them declining to recover {$1400.00}. Although this is fraud, I cancelled both XXXX  and current debit cards and had replacements sent. They refuse to resolve the theft. And after the 90 days has passed, there still remains {$460.00} worth of charges waiting for resolution. I would like to dispute their determination of the first set of charges, and press charges for theft and fraud on whoever received these funds. As well as receive my response about the " unresolved '' set of transactions. I've gone through the only resources available to me to recover these unauthorized transactions. Between XXXX and current they should be able to determine the amount this money was sent to and you would think they could reverse these transactions to get my money back. How can I be denied the right to recover my money that was stolen from me by these banks that desperately need this money back. This entire situation has completely shattered my entire financial well-being. Caused me to be evicted from my house, and put me so far behind on bills that my power and water have been disconnected because of this theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern : RE : CAPITAL ONE CORPORATION CARES NOTHING ABOUT THEIR CUSTOMER DUE TO DATA BREACH!!!! 

I have been a victim of online fraud based on two impersonators called XXXX XXXX and XXXX XXXX. 
It began on XXXX until now. 
I am in a financial hardship. 
My world has been exposed. I have copied my friend XXXX XXXX a XXXX XXXX who I speak to daily. 
I filed a report with the FTC-Identity department # XXXX. 
I have spoken to Capital One who recently had a data breach. They do not care about me. My credit score dropped from XXXX to XXXX in one month. 
I am a published author on : XXXX, XXXX and XXXX, and XXXX. See my links below : https : XXXX https : XXXX https : XXXX I am online XXXX XXXX with University of XXXX Arizona, to . 

Regards, Author, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to establish a Target retail account without his consent. Target was provided all needed dispute information  X/X/17    via certified mail, return receipt, which they received   XXXX    . During that time Target has continued to report this fraudulent account to our client 's  XXXX  and  XXXX  credit reports as a late account. Mr.  XXXX  has contacted Target on several occasions to inform them of the reported fraudulent account and the fact that its late status has had a negative impact on his credit reporting information ; each time he is told Target will correct this information however as of this date  X/XX/17    that has not happened. In addition Target has failed to notify our client of the results of the dispute as is their obligation to do so within a maximum of  45 bu siness days of receiving the dispute information. Target is in violation of the FCRA concerning and my clients federal consumer rights concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Navient Solutions, LLC.
State: TX
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:
I sent a letter exercising my Equity and disputing the student loans asking for the XXXX asking for the school to send me the " Original Instrument of Indebtedness in it's original form ''. I've gotten no response back from Navient Dept of Education ... even though I have a certified mail receipt saying that they did indeed receive my dispute letter on XXXX. This is now a violation of the Fair Credit Reporting Act and I intend to follow through with a law suit ( as I have a paper trial ) FCRA SECTION 611 Part ( A ) ( 1 ) failing to respond in 45 days. I also sue for the max for also noncompliance. If this item is not removed from my credit report.

Company response to consumer: Closed with explanation