BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been dealing with student loans for over 10 years and it has not been easy. I feel they are extremely hard to deal with and it seems everytime I put myself into a forbearance or a income driven payment plan, it does n't seem to last and when I think that I 'm done with the loans for a minute to get myself situated, then all of a sudden I 'm getting phone calls and emails saying I 'm due a payment or more or phone calls as them saying basically I have n't done anything with the loan. Its very frustrating. I call them, let them know my situation they give me my options, set me up on a plan or whatever I qualify for and I get off the phone thinking I accomplished something and I have n't. I am really wanting all my student loans to be validated basically, because really I honestly feel these loans are outrageous and I just think its a way to get individuals money. I do n't have money to pay off or to pay on student loans when I 'm barely making ends meet within my household. If I ca n't pay rent NO I 'm not making any type of payment to pay down these loans. I do n't understand how difficult this is to comprehend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: NC
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 FCRA, the following accounts have violated my rights. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 also states a conumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions. 15 USC 1666 B states addedly, that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY reason.

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to negligence on the part of Equifax, and allowing my personal information to be released without authorization, I am spending my time attempting to mitigate the potential losses from this company 's negligence. I have been shuffled from online to phone numbers which do n't answer, and also to a web site explaining that I now need to pay them to protect my data after their breach. On behalf of myself and all my family members, this unacceptable! You should be paying me for my time to attempt and hopefully fix your problem.!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I provided information to Experian and the creditor XXXX XXXX in XXXX and XXXX of XXXX which proved that the XXXX XXXX ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. Experian indicates in the status field of my report that " This account is scheduled to continue on record until XXXX XXXX '', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact Experian online about this matter.

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 2020-08-19
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 information incorrect

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

XXXX XXXX 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 explanation
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On  XXXX   XXXX ,  2017 ,  Citi  imposed a {$35.00} late fee and {$170.00} in interest on my credit card account. I had made payment through my bank 's bill-pay feature, and had proof of on-time payment. So I called Citi about  XXXX  EST on  XXXX   XXXX ,    2017  to look into the erroneous late fee and interest. Customer service representative "  XXXX  '' said payment was due on  XXXX   XXXX , but not received till  XXXX   XXXX . I looked at a calendar, and saw  XXXX   XXXX  was a Sunday. I explained to  XXXX  that federal law prohibits penalties for payments received the next business day when payment is due on a Sunday or holi day. Citi refused to acknowledge its mistake, or reverse the late fee or interest. Hence this request for CFPB 's help. Thank you for your assistance.

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 2017-09-13
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:
Equifax has mishandled my information. It has recently become known that Equifax 's database was breached, putting myself and millions of others at risk. Furthermore, in spite of knowing about it for some time, Equifax made little attempt to notify me. This has now has cost me several hours, and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from any company, especially one I have never chosen to do business with. 

Please take prompt and decisive action to ensure that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
There should be no late payments at all. I know my accounts so please, I need some help about these accounts.

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 2022-06-13
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing a collection account that does not belong to me. 

The collection account appears on my credit report from all three credit bureau 's. The account in question is from a collection agency named National Credit Adjusters. The amount this company claims I owe them is {$780.00}. 

I have made contact with National Credit Adjusters and all three credit bureau 's to request proof of validation. 

My first request was made XX/XX/XXXX. As of today, XX/XX/XXXX, neither the collection company or any three of the credit bureau 's has validated this account. They have failed to provide proof that this account belongs to me. 

After multiple requests, I would like to request assistance from XXXX and possibly take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on X/XX/2017 Coinbase wrongfully transferred money out of my bank account and is now refusing to pay it back. When confronted by my bank account transaction proof, they simply refuse to show any proof and are simply ignoring my requests They now have locked my account for 60 days, so I cant even take out my US Dollars valued around {$3900.00} from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 an Account ending in XXXX through XXXX XXXX  but NEVER use it. However, in XX/XX/2022 I was charged XXXX for " XXXX XXXX '' using this card. I was never made aware that this was going to be charged or that it was charged in the first place. I would have NEVER used this card for a purchase and IF I did, I would pay it right away. The card is linked to an old email I do not use either. This charge was ran without my consent. Several months later I received a phone call from XXXX XXXX  informing me I was delinquent on this account. I was shocked as I had NO idea there was even a balance, let alone reoccurring late fees AND a ding on my credit. = ( I take GREAT pride in my credit and strive to NEVER be late. Immediately upon learning of this charge I contacted the bank, paid the entire bill and then filed a dispute with XXXX but I haven't heard anything and regardless of the fees incurred, I am MORE concerned with having a LATE ding on my credit report. I was told by a family member of the Consumer Financial Protection Bureau and thought I would reach out in hopes I can get the LATE payment removed from my credit report. Please reach out to me anytime for more details or any further information on this matter. XXXX or email XXXX or 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 2017-07-12
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call on XX/XX/XXXX on my work mobile number from this company Financial Credit Service Inc., DBA Asset Recovery Associates ( ARA ) claiming that they had mailed me correspondence several times regarding this debt and that I had not responded so they were going to file a judgment against me if I did not pay the debt immediately. They had my SS #, and a list of every place I had lived, I explained to them that I had never received anything regarding this and had no idea what debt they were talking about. They told me the company and that I owed this from an account that was closed in XX/XX/XXXX. I again explained I do n't even know what this is and if I even had this debt for this account. They told me again they had mailed me correspondence about it and evidently I had thrown it away as junk mail or decided not to respond. I replied that was not the case, that if they had mailed me multiple letters as they stated, I would have known. I was again threatened with having a judgment filed against me. I am in the process of buying a home and was scared for something to interfere with that. They indicated that they could see about a settlement, and scared me into paying them {$750.00} immediately, with the remainder of {$2400.00} being due by XX/XX/XXXX, otherwise they would file the judgment against me. After hanging up I got to thinking and started doing some research and found several complaints filed against this company for scamming money people did not actually owe. I called my bank immediately and put a stop payment on the funds since I had used my debit card to make the initial payment. The bank issued a fraud case against the payment for use of malicious tactic 's to obtain money from me. The credited me back the money and I cancelled my debit card and got a new one. I have no proof that this debt ever existed, it is not on my credit report and therefore I feel I got taken advantage of. Not to mention its 17 years later and this call just comes out of the blue to me. Even if this debt was valid, which I do n't feel it is, the statute of limitations in Texas is 4 years. The only written correspondence I have ever received from this company was on XX/XX/XXXX listing out the " settlement payments '' via email address I gave them over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient Constantly miss places my documents and in the mean time they wo n't help me to lower my payment and will not help with anything. The only thing they said they can help is to put it on hold but in the mean time my interest rate just adds up making my loan almost impossible to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You are violating my rights on reporting an inaccurate report. date opened, last reported, date last active, date of last payment. DELETE THIS IMMEDIATELY AS YOU FAILED TO PERFORM AN INVESTIGATION IN THIS ACCOUNT 2. Unverified/no data information XXXX XXXX XXXX XXXX Account XXXX : XXXX Inaccurate information failure to perform an investigation per fcra regulation 3. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX Account Number : XXXX You are violating my rights on reporting an inaccurate report for 3 BUREAUS DATE OPENED, LAST REPORTED DATE, DATE LAST ACTIVE DATE OF LAST PAYMENT WAS REPORTING AN INACCURATE REPORT. UDATE THIS TO PAID AS AGREED IMMEDIATELY 4. Unverified/no data information XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

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 2017-10-07
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
jefferson capital system acct. no. XXXX is wrongfully reporting on XXXX, XXXX, and XXXX credit bureaus.J.C.S.is collecting for a fraudulent XXXX XXXX debt, the original creditor.JEFFERSON CAPITAL is trying to collect XXXX dollars, of which 700 approximately appeared in charges after I cancelled for poor service and reception and had switched my phone and telephone number to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My Subsidized loan from XXXX bank is serviced by XXXX XXXX XXXX and recently transferred to Great Lakes. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to Great lakes without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with Great lakes upon transfer I was unaware I was missing payments until I was 3 months late. Great lakes has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted Great lakes and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CARD Corporation
State: IL
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:
On XXXX XXXX my card.com premium bank account card was charged {$38.00} I had already canceled my XXXXXXXX XXXX policy and called them XXXX XXXX issues the payment back to my card but card.com premium bank account card stopped the payment and told me I have to file a dispute for what reason I really dont know I gave them the Transaction # but they refused to look it up saying I just need to file a complaint and wait the XXXX days I already been waiting since XXXX its XXXX so they telling me to wait until XXXX for them to try to issue a refund of my own money I have been calling and they telling me hold on and has hung up on me over 30 times I just want my money back from this card company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I thought I was speaking with a Navient Department of Ed agent over the phone, but I was n't. It was XXXX XXXX ( although very kind woman ) representing Navient XXXX XXXX XXXX, XXXX who told me to pay in advance the amount of XXXX dollars in order for me to qualify for a lower interest of my loan. She gave me the option to pay XXXX for three consecutive months, which I agreed. Supposedly after either paying the XXXX or the XXXX dollars my montlhy payments would be as low as XXXX dollars. This application was described as XXXX. I scheduled a payment of XXXX and provided her my debit card number. Few days later a received a call from the origianl Navient. The agent wanted to remind me to make a payment to avoid being called, etc. I told him I was confused and told him I previously scheduled a payment already. He said he could n't see that on my account. It was until that moment I knew something was wrong. According to the original Navient agent I can not be charged for something that Navient offers me for free. I was suggested to avoid any calls or emails from tbe other company and fortunately I had enough time to cancel my debit card and replace it at my bank. This Navient XXXX XXXX XXXX, XXXX are scam, they charge people to qualify for repayment programs/options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, 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 have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>Please remove all of these inquiries because they do not belong to me, and were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX and Transunion are reporting incorrectly ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation