BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Navient Solutions, LLC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a student loans with Navient and I have been sent to the collection agencies for not paying my loan the past year. I was informed that loans would be suspended until we figure out what kind of forgiveness for loans would be allowed by our govt. I checked my credit recently and its at an all time low because of the reports from Navient. No one from Navient contacted me about being reported. I calles Navient several times in the year and told them I was waiting on announcements from the federal govt about my loan to make payments. I explained to them I am know a XXXX father and live off of an XXXX income. I was told that this was fine and if I need help to contact them. No representative ever mentioned sending me to the collections agency. Can someone please help me get this removed from my credit scores. This is not right. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MN
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:
Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( XXXX ) and no date for XXXX. All three bureaus are reporting different dates. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Stellantis Financial Services US Corp.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-08-01
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a loan disbursement check from Oportun on XX/XX/2022 for {$5500.00}. I did not apply for this loan, so I called to ask why I received it and cancel the account. 

Oportun support told me that an account had been opened in my name and birthdate, but associated with an email address based in XXXX XXXX, XXXX and from a phone number in XXXX. Neither of those are associated with me. 

I followed up with an email ( XXXX ) to the company the same day confirming all of the details and reiterating my desire to close the account immediately. I was assured that an " investigation '' was being started. 

I followed up again on XX/XX/2022 asking for a status update. The company responded that it had forwarded the details of my " dispute '' ( again ) to the appropriate department. 

I began receiving account statements in the following months, and eventually late payment notices. I also noticed that they posted a late/non payment to my credit report that reduced my XXXX XXXX from XXXX to XXXX. IN addition, I would note that the check sent to me was never deposited, so the fact that they are charging interest seems disingenuous if not fraudulent. 

I followed up with a call on XX/XX/2022 to again check on status. The agent on the call told me there was no record of a dispute, and that she would forward my information and that in " investigation '' was being started that could take up to XXXX business days. I was not able to get contact information or other info about the investigation department. Needless to say, I am not confident anything will be done. 

It is quite clear that there are multiple issues at Oportun that suggest the company is not well run enough or competent to operate in the supposedly regulated financial services sector. Among these : XXXX. It is clear that the due diligence and XXXX  process at Oportun is completely inadequate. They opened an account based on an application that was fraudulent on its face ( email address from a island in the XXXX XXXX and a XXXX phone number ). 
XXXX. The company has ignored my request to close the account and restore my credit report information on multiple occasions. There is no history of these interactions in the account record at the company. 

I would like to know what actions CFPB plans to take against this company. If you are unwilling or unable to act, then please let me know the best way to approach this issue. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Paypal Holdings, Inc
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Why can't these people just let me withdraw my money in peace? I've already completed my XXXX period, but I still can't access my funds. They told me that the bank I used could withdraw, but that was a complete lie ; they kept rejecting it even though the bank was approved in the account. Please allow me to transfer funds to my friend 's PayPal account. I'm sick of filing complaints all of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-08-01
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:
I have attached a screen shot of a XXXX account reporting inaccuracies to all three of my credit bureaus and almost everything single line is reporting something different to all three bureaus. If anything is being reported to my credit bureaus it should be reporting 100 % accurate per the FCRA. This needs to be deleted ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: ONLINE Information Services, Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XX/XX/2022 XXXXXXXX XXXX XXXX I dont know who they are?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-12
Company: SLM CORPORATION
State: NJ
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:
XX/XX/2022 : A payment of {$300.00} was made. 
XX/XX/2022 : A payment of {$290.00} was made XX/XX/2022 : A payment of XXXX was made XX/XX/2022 : A payment of {$280.00} was made XX/XX/2022 : A payment of {$280.00} was made XX/XX/2022 : No payment was made ( Paid previous month ) XX/XX/2022 : A payment of {$530.00} was made Above are the payments made to the private loan service : Sallie Mae My problem is that my loan keeps going up each month and there has been NO LETTERS, NO EMAILS, NO PHONE CALLS About this change, I've called the company multiple times ; Begging them to work with me and enroll me in reduced payments. 
There answer was simple : I have " exhausted '' all of my options and the only option I have now is to pay everything in full. 
This is absolutely killing me financially, mentally and emotionally. 
This loan has caused so many set backs and issues that it has started to effect my life in the worst way possible. 
PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
XXXX charged my checking account on XX/XX/XXXX via mobile app 5 times, without proper authorization. Bank refused to investigate properly to return funds. According to the XXXX, the means that XXXX used for " authorization '' were not met, and I did NOT authorize payments. No documents were provided showing I authorized payment ( s ) following the guidelines set in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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:
I am a victim of Identity fraud. I was denied a loan and when I looked up my credit I noticed the fraud on my credit. Since XXXX  I've been sending letters and proof of the fraud to Experian to remove the fraud on my account. They continue to say they have verified and have refused to remove this account. I sent all the information to all 3 credit bureaus including ftc reports, fraud paperwork, the other credit bureaus have removed the fraud .I even went as far as to produce a check list of what Experian is requesting to remove the fraud and I sent it all and they STILL refused to remove the fraud. 
Experian still is reporting incorrect information on my credit report which is against the law. 
My next step I guess to obtain a lawyer.

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 2023-01-15
Company: EQUIFAX, INC.
State: AL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Do to my understanding my personal information have been stolen dealing with this company why the tried to sale the property an other property belongs to me realize that was my property refuse to provide me documents my personal information fraudulent some force they changed the deeds to the property do identity theft all the property belongs to me someone stole my personal information to uptain an change the personal information on all legal documents fraudulent activity happened with these something needs be did about my property I don't know which mortgage company they dealing with fraudulent companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My Business Office Phone Number ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-28
Company: EQUIFAX, 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:
I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I went to a Dentist appointment and tried to use my Care Credit card issued by Synchrony Bank. I was told by the Dentist that they could not find an account in my name using the last four of my social. On XX/XX/XXXX, I called Care Credit and the automated message said I had an account ; and, when I spoke to a representative they informed me that my account was closed by Synchrony. I asked if I could reopen it and they asked to run my credit report and I agreed. I was then informed that I was denied credit and my account would stay closed by Synchrony. Yesterday, XX/XX/2022 I received my " denial letter '' from Synchrony with reference to my application for my care credit card. The denial reason was " existing account with our credit program. '' So, do I have an account or not. If I do, why did you state that I didn't and then run my credit report again? Synchrony Bank continues to play around with my credit and ruin me!!!

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 2022-11-11
Company: Specialized Loan Servicing Holdings LLC
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor SPECIALIZED LOAN SER XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
it think i was overcharged for this vehicle 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 2022-06-09
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I had a debt consolidation loan completed through XXXX. This was to pay off my two American Express Cards as well as some other debt. The money that was designated for one American Express card went through and was credited to my account. The money for the other card in the amount of {$12000.00} has still not shown up as of XX/XX/2022. I have been in contact with American Express and XXXX multiple times trying to get this resolved, and the money still can not be tracked down. All of the information American Express has asked for, I have supplied per the information XXXX provided to me. I was advised this would be my best route at this point to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an account with Citibank XXXX. Transferred XXXX on XXXX XXXX to my own account in Citibank XXXX. 
The amount has not been credited to my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Frontline Asset Strategies, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of ID Theft. Someone opened a XXXX  account using my personal information. I did not request or authorize this account. The account was sent to a collection agency for an Amount of $ 1,855.97due to non-payment. At the request of XXXX, a police report was uploaded into their portal on XX/XX/2022. We have received verbal confirmation that the fraud team completed their investigation and marked the account fraudulent on the same day. I have not yet received written confirmation of the fraud, and the account has not been pulled back from the collection agency. My advocate has spoken with several XXXX supervisors who have promised to follow up on this issue and have the account pulled back from collections. Two months later, this still has not been done, and the collection agency still has the account in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX  XXXX  is reporting " delinquent '' to credit reporting agencies my promptly-paid mortgage and refuses to respond in any way to my requests for error correction.

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