BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
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:
My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.     Navient refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: GA
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 analyzing my credit report and noticed some hard inquiries via Equifax and XXXX that I do not recgonize and that I do not authorize. 

Equifax - XXXXXXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to Discover Card to get this sorted. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement only after being advised that I could only be eligible if the account was behind. The account is now current but the late fees are bringing down my score. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 XXXX and Property service filled a default judgment. An then went back on XX/XX/2017 and filled a motion to dismiss any money claims in the unlawful detainer. XXXX XXXX   service went back a couple months later and reported a debt being owed in the amount of $ 3000+ plus dollars To National credit systems who's now harassing me about charges that were dismissed. I do have a copy of the letter from the courts where the motion was filled to dismiss all monies owed if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Lending Club Corp
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I JUST REVIEWED MY MOST RECENT CREDIT REPORT AND CAME ACROSS SEVERAL ERRORS.

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 2022-04-28
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ad Astra Recovery is reporting a fraudulent account to XXXX, XXXX, and XXXX. I have called repeatedly to report this fraud account and they have refused to remove the collection and stop reporting it. Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
In accordance with the Fair Credit Reporting act XXXX Account 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

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 2018-12-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. AmEx told us they would investigate. Way, way later, in XX/XX/XXXX, we learned that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. 

We asked them to re-open the dispute, which they did in XX/XX/XXXX. 

They have now closed our dispute again, saying, " contact the merchant yourself. This was too long ago for us to deal with. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
XXXX XXXX here, and I'm sending you a complaint today to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. Here is a list of the accounts that don't belong to me or that weren't opened with my consent : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1500.00} XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1300.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2018-05-31
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a small business account with American Express. When I tried to apply for an additional card for my new employee AMEX said that our company has reached its limit for additional cards ( 99 ). That didn't sound right to me, so I checked online and noticed that we only had 64 open cards with American Express. When I spoke to a supervisor, I was informed that they were also counting cards that had been previously closed/cancelled even though the employees were no longer with our company. Additionally, AMEX informed me that until those cards expired, we would not be able to open an additional card. I asked them to mail me information about those accounts so that I could document the expiration dates and confirm that no fraudulent activity was taking place. They refused to honor my request. I am now concerned that these " cancelled '' cards are being used without my consent and that it will effect my business and personal credit. What next steps should I take? 

Thank you

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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Issue : Student loans by Dep of Ed/ XXXX  (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans (  XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Issue : Student loans by Dep of Ed/  XXXX   (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  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 2021-11-22
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a Wire Transfer on XX/XX/2021. I was charged US {$40.00}. XXXX. I gave The Person who made The Transaction two different copies of Wire Transfers from Two Different Banks, which were successful, to guide her in the process. She made a mistake and filed The Receiving Beneficiary Account Number in the wrong slot. After the form had been filed I was charged another US {$25.00}. XXXX. I protested a fee I had never had to pay. One week later, I receive notices via The Text Message and The E - Mail to contact them ; The Account Number was entered wrong. I contacted them via The Cell Phone on XX/XX/2021. I gave The Correct Account Number. I was assured The Correct Account Number would be send via E - Mail, to the person who requested it. I visited on Tuesday, XX/XX/2021 to inquire if it had been done. I was assured once again that it had. Another four weeks went by and I received a letter in writing, with the incorrect date posted that I was required once again to visit urgently. I visited on XX/XX/2021. I was told that The Wire Transfer Had Been Rejected because of The Incorrect Account Number and that The Department had taken nearly XXXX {$170.00}. XXXX from My Account, without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received a very threating letter from CREDENCE XXXX XXXX XXXX, XXXX XXXX XXXX TX. XXXX. This is regarding a creditor DIRECT TV LLC REFERENCE NUMBER XXXX. FOR A BALANCE OF {$390.00} This is not my debt and I feel harassed about the company writing and suggesting the debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: MO
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  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through  the Dept of Ed a nd that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.

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 2022-09-15
Company: EQUIFAX, 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:
XXXX XXXX here, and I'm sending you a complaint today to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. Here is a list of the accounts that don't belong to me or that weren't opened with my consent : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1500.00} Vacation Villages XXXX Date Assigned XX/XX/XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: MO
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  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through t he Dept of Ed and tha t resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through th e Dept of Ed an d that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.

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 2020-10-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following account listed below is fraudulent accounts and does not belong to me. They are in violation of FDCPA XXXX and the accounts need to be deleted from my credit report : 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 explanation
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have disputed the referenced account numerous times from  XXXX   XXXX  to  XXXX   XXXX ,    2017 wit h the creditor. I still have yet to receive a positive resolution. On  XXXX   XXXX ,  2017, I r eceived another credit alert from  XXXX  reflecting the incorrect balance Capital One is reporting to  XXXX ,  XXXX , and  XXXX .

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

Complaint:
I had a tax lien while I was getting divorced and going through a bankruptcy reported  XXXX   XXXX   XXXX , it was paid and released  XXXX   XXXX ,  XXXX . Of the  XXXX  reporting agencies Equifax has declined to take it off my credit report also it does not show it was released. I disputed this with a credit repair company as well as direct dispute with Equifax, also I called.   How do I get it released?   Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My student loans were taken out in  XXXX . I thought once they wer e 10 years old the y are not suppose to take them. I never got to use the skills I went to school for and I have been a single mother barely working. I a have been homeless 3 times since  XXXX , I received deferments and forbearance they knew I was a low income household and was struggling with no help from my children 's father.     They still took my income taxes two years in a row and still show that I owe them. Please help stop the harassment I am dealing with.     Thank you for your attention to this matter.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TD BANK US HOLDING COMPANY
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:
On my credit report is shows i tried to open a credit card with the store names XXXX on XXXX XXXX 2021. I did not open any credit cards with any store. I would like it remove from My credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: GA
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 received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.

Company response to consumer: Closed with explanation