BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-15
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient started harassing me about loan repayment within two months of losing my employment, demanding unreasonable repayment options. My father had been a co-signer on one loan and they harassed him so much that he ended up paying an offer of a third of the loan which overextended him and was extremely financially damaging to him. I had tried to explain to my dad that the loans were my responsibility and I would continue repayment when I was employed again, but the harassment was so intimidating to him that he gave in to their demands. Currently, Navient has tried to sue me twice even though I remain minimally employed ( 10 hrs a week XXXX ) and am having to start a new career track. Their suits were rejected by the courts without prejudice and they continue to offer me impossible partial payment plans, which I do not have the means to pay. I believe they acted unethically to my father, not allowing me the time to stabilize my own finances and harassed him into making a bad, unnecessary financial decision that was not truly his obligation. It has permanently damaged our relationship and compromised my parents retirement plans. We are not wealthy people in the first place, and as a former XXXX, I had believed that education is the road to overcoming the poverty cycle, but it is turning out to be just the opposite. Please help me to make Navient stop pursuing legal action against me, and I would like help having the payment my father made returned to him and place that future obligation back to me to resolve it in a more realistic fashion when I am able to do so. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: PA
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've been trying to reach out to Equifax, they have not given me access to my FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX  has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my FAL REPORT. I am entitled to a free weekly report due to the current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : TransUnion is showing ACC. # XXXX from XXXX XXXX TransUnion is showing ACC. # XXXX from XXXX TransUnion is showing XXXX XXXX XXXX from XXXX XXXX XXXX is showing ACC. XXXX XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX XXXX showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 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 explanation
Consumer complaint received 2017-06-12
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: Account information incorrect

Complaint:
Contacted Equifax regarding an unauthorized inquiry. They asked for me to contact the company and speak with them. The company sends me a letter stating it is unauthorized and they will contact the credit bureau 's to have the inquiry removed. Submitted the letter from the compnay to Equifax multiple times and they have yet to remove this inquiry. I also asked for them to forward whatever proof they have to show this was in fact an authorized inquiry and they ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Delinquent account

Complaint:
I missed a few payments due to being out of work from XXXX. Synchrony Bank was calling me and leaving messages saying they needed to contact my attorney and would be arresting me if me or my attorney did not contact them by the end of that day. This went on for weeks until I was able to pay them.

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 monetary relief
Consumer complaint received 2017-06-08
Company: CAINE & WEINER COMPANY, 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 have not had any dealings with  XXXX   XXXX . I have not had a reason to utilize any of their services. Without any prior contact, they are reporting false information on my credit report. They have not responded to my previous request for information regarding this inappropriate reporting of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Bank XXXX XXXX Account XXXX XXXX CFPB COMPLAINT XXXX LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
So I e recently applied for a credit line increase at the end of XXXX. I was denied. This is the second time since Ive opened the card that Ive been denied a credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 


( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name XXXX XXXX  XXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 


XXXX XXXX - XXXX - this account does not belong to me XXXX XXXX - XXXX - this creditor does not own this account. 



XXXX XXXX/XXXX- XXXX - I was never late on this account. 



XXXX XXXX - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 










XXXX, XXXX - XXXX - The original account was never verified ; how can this account continue to report on my credit? This is unlawful reporting and unless I can see your proof, this must be removed immediately XXXX XXXX XXXX XXXX - XXXX - This account is outdated it should have been removed automatically and yet, it shows as if its a new account! 
XXXX XXXX XXXX XXXX - XXXX- Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 
XXXX XXXX XXXX XXXX - XXXX - Why are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right? 

XXXX XXXX - XXXX - The original account shows late payments AFTER this account was sold to a collection agency. This account can not report on my credit file 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 2022-09-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Experian Information Solutions Inc.
State: LA
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 seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX   XXXX  is blaming the credit  XXXX  and  XXXX  is blaming  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 2022-09-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name

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 2021-05-13
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase using PayPal and after several attempts to reach the seller of the item I reached out to PayPal for assistance and the seller magically responseed to PayPal when I opened a case against them for refusinf ro send me a return label to return the fraudulently items they sent me that was nothing like the advertisement on the website. After XXXX got involved they said I have until XX/XX/XXXX to return the item but they refused to provide a return label to return the item. I have no problem returning the items but I will not pay for shipping the items back as this was not what I ordered in the beginning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I 'm  XXXX   USAA closed my account because someone stole my account information and deposited a check into my account. I advised them it was not me and provided my drivers license and even asked them when I was notified a check was deposited that it was not me and to please stop the check or close and reopen my account. I never heard or received warning and my account was closed. My dad has been with them for 30 years he added me with USAA now I 'm blocked f rom them and it 's making me look horrible when trying to open a bank account. I called  XXXX   XXXX  to see if they can relook at the issue and heard nothing. I wa s with USAA for years an d never had a problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: VA
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:
The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 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 an 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 explanation
Consumer complaint received 2021-10-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
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 recently applied for a refinance on my home and was alerted about a collection account. I reviewed the report and found an error. I disputed the collection account because : 1 ) I have never had an account with Wakefield & Associates 2 ) Wakefield & Associates refused to give me information about the XXXX XXXX account. 
3 ) I have never had an account with XXXX XXXX and/or ANY of their doctors or staff. 
4 ) I have always carried proper medical insurance.

5 ) I have always paid the insurance company my portion of any medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company Midland is trying to keep a very old debt on my credit file for over 7 years. The DLA is over 7 years. A statement showing I owe a min payment XXXX for $ XXXX is not evidence when this account DLA is. No credit card has a min payment of XXXX. This is violating my rights. I want this removed as it is PAST THE STATUTE OF LIMITATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I enrolled in electronic billing for  my American Express Cred it Card and to receive email notifications for when my bill is due. I do not have record of receiving an email bill for my  XXXX  or  XXXX   2017 . Because I had not used the card recently an {$11.00} balance went delinquent for 34 days before I caught the error. I do not have record of receiving a bill or warnings of a delinquent payment. As a result my  XXXX   credit score declin ed to  XXXX  from  XXXX . I have never been late on any payment prior to this insignificant balance bu t American Express is un willing to correct the error or acknowledge if an email was sent on the bill. To test the alert system in  XXXX     2017  I mis sed an {$11.00} payment by a couple of days to see what alerts American Express would provide, which it does not. I also noticed that American Express does not disclose the account is delinquent in the email only if you sign into your account to view the bill ( see attached image ). If you enroll in electronic billing and receive emails the credit companies should, at the least, provide an alert in the email that the bill is delinquent. They are saving money on paper bills and postage and could easily provide alerts that the bill is delinquent to avoid this issue on an insignificant balance. I called the company and was referred to three differen t departments and spent a couple of hours on the phone only  with 5 different people only to hear that there is nothing they could do to revise the delinquency because they are not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Account Number XXXX RESPONSE TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.

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