BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: TN
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 account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was n't able to make my student loan payment so I called Navient to find out what my options were and they said that I could file for forbearance which would temporarily relieve me of my payments for a few months. After the three months was over I was still experiencing financial difficulties and they suggested I file for forbearance again. They made it seem like this was my only option so I agreed to it. After several months of not being able to pay on my loans, I did some research online with my brother and learned about the pay-as-you-earn program. I called Navient to do this and they were happy to help. They were very helpful in fact. They set me up on this plan and I 've been making minimum payments when I can ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In accordance with the Credit Reporting Act XXXX XXXX XXXX reported by XXXX reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: KY
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: Problem with personal statement of dispute

Complaint:
I received my reinvestigation back from XXXX. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 

Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ).

I attached my consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a credit limit increase with Capital One. They denied me one XX/XX/2021 stating that according to my credit report my credit score was not high enough and that I had too many inquiries listed on my report. Some of which were from them denying me credit. In another letter from them, regarding this same matter in a previous complaint, they stated they needed an application in order for them to extend lines of credit. If they indeed checked my credit report to see that I was not so " eligible '', where did they get, y information from. This seems like unfair and deceptive practices. I have three accounts with Capital One that are ALWAYS in good standing, with exceptional payment history. How can you tell me I'm eligible to apply for an increase every 6 months but deny me? its very misleading and I do have my legal counsel looking into this matter as well if needed to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this 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. The problem has not been resolved. my fico has me at a credit score over 719tXXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX XXXX - XXXX graduate Navient Account # XXXX My XXXX XXXX says I paid XXXX interest on student loans. I had XXXX loans at the beginning of XXXX, a mix of Federal and private, and all with interest. I paid off XXXX loans, and am still paying on XXXX loans ( XXXX Fed, XXXX private - all with interest ). I called Navient XXXX/XXXX/XXXX to request correction of my XXXX " XXXX '' from customer service first told me that it " must '' be XXXX interest because either I was " not enrolled full time '' or " the school is not eligible. '' Neither is remotely true. I corrected her and requested correction of my XXXX She then put me on hold, returned XXXX minutes later, and informed me that there was an " adjustment '' to my paid interest because the paid interest in prior tax years had been over-reported. I requested documentation of the " adjustment. '' She had none available. I then asked her to verbally give me the adjustment information and calculation. She could not, but not so helpfully she advised me to " consult a tax professional. '' I then pointed out that it is Navient 's responsibility to report to me any adjustments to my account, especially if they have tax consequences. She then said that she did not have the information necessary, and would put in a " request with the back room '' to send me documentation. The ETA on my documents is 10-20 business days after XXXX XXXX XXXX. 

I have had many, many problems since Navient took over my account. They consistently mis-handle payments and try to increase balances on my account even though I am enrolled in an auto-debit program and have made full payments on time, every time, since I began payback 10 years ago. The level of ignorance in their customer service department is beyond frustrating. I have had to start monitoring my account on a weekly basis, and I 'm frequently disappointed to find errors in my account. It has gone beyond ridiculous, and I do n't believe in coincidence or " human error '' anymore. I think this company is trying its very best to steal money from people, and they are counting on its customers and the Government to be too lazy to notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$7100.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$3900.00}

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 2022-01-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to Citibank at XXXX XXXX XXXX XXXX, Ca. on XXXX XXXX to makea withdrawal from my IRA account. They could not handle it at the branch, but needed me to fill out a form which would be faxed to their office in XXXX XXXX, Texas. The manager, XXXX, assured me the would call me as soon as he faxed the papers. I did not hear from him that afternoon, so I called the next day. The woman who answered the phone said that XXXX would call as soon as he faxed the papers and confirmed my phone number. I did not receive a call. When I received my IRA statement from the bank in XXXX, there was no record of a withdrawal. I phoned the office in XXXX XXXX and found out they had never received that papers that were supposed to be faxed. 
I have copies of the forms I filled out.

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 2015-03-26
Company: WELLS FARGO & COMPANY
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo offered me a loan to finance a car several years ago. The rate was 23 %. I signed the loan. The car after XXXX years became worthless. I relinquished the car. They took it back. That was about XXXX years ago. They then went to XXXX when I tried to have the write off removed from my credit and began reporting it again in XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Been advised by XXXX XXXX XXXX that they will not provide quotation due to negative report by Trans Union. Contacted Trans Union and they deny and only send credit reports.. No explanation, and credit score is XXXX, XXXX XXXX!!. XXXX no help and continues to refer to Trans Union. Both entities " passing the buck '' and no concrete answers. This is damaging and a " first '' to my reputation. of 87 years! Respectfully Submitted

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 2022-10-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 the first week of XXXX, I received a text from the Home Depot card fraud dept, asking if I've made a purchase for over XXXX. I said no and the fraud dept immediately called me. They advised another purchase for XXXX was approved the day before. After telling the dept. I was not at that store, did not approve or make that purchase and gave no one permission to do so, they closed the account, issued a new card and removed the balance from my account. They supposedly did an investigation and said I'm responsible for the charges. 
During the time these charges were made, 2 other card accounts I have were compromised. Both those accounts, one of which is also owned by Citibank as the home depot card is, removed the charges from my accounts and found me not responsible. Someone had also manipulated my identity, using a driver 's license photocopy with inaccurate expiration and issued dates to rent equipment from a rental facility I've never heard of. I was cleared of responsibility for this transaction as well. I have filed an identity theft police report with all this information included, froze my credit reports and had a fraud alert placed on all my credit reports as a result of this activity. Although I had paid off this card and not used it in quite some time and supplying all this info to the card company, they have refused to actually investigate and clear me of responsibility. I know my signature is not one that made a purchase, I'm also certain the stores security cameras knowing the exact time and date of the purchase, would prove it wasn't me while also identifying the people responsible for this crime. I feel the home depot branch of citi cards has been negligent in fulfillment of their obligations to ensure consumers are protected in their stores and in their investigation of fraud in my situation.

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 2016-03-28
Company: Ditech Financial LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I received a XXXX from Ditech ( formally Greentree ). I also received a letter this week saying the XXXX was incorrect stating it was a mortgage instead of a car lease. The original creditor had charged of this debt in XX/XX/XXXX. They did not attempt to collect it from me nor put it on my credit report because they had accidentally repossessed the car while it was in current status. They then delivered the car to the wrong address and I found the vehicle a couple weeks later damaged. The original creditor refused to pay the damage and I of coarse refused to make any more payments until they did. 8 years later a company called Greentree was sent this debt as a mortgage. I hired an attorney and Greentree agreed to remove it from my credit report and cease collection activities. I then started receiving collection letters 3 years after the mtter had been resolved. The attorney that handled for me contacted Them and the stopped once again. Now Greentree has become Ditech and is trying to avoid paying federal income taxes by filing a XXXX on this debt that charged off in XX/XX/XXXX and the original creditor never attempted to collect from me nor ever pout on my credit report because of their error. This has been a very upsetting ordeal because I was forced to hire the attorney because Greentree would only yell at me when I called and would not let me explain this was not a mortgage debt. By not having the correct XXXX by this date XXXX/XXXX/XXXX it has made things very difficult for me because I do not want not file a tax return that is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I found out that I was victim of an identity death and someone stole my information and applied for several credit card and this one was one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: LA
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:
On XX/XX/XXXX JPMCB Home Lending reported that I was over 30 days late on a loan that was closed in XX/XX/XXXX. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: REGIONS FINANCIAL CORPORATION
State: FL
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/2017- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXXPD case # 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 2017-10-12
Company: Ideal Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent letters to Ideal Collection Services seeking that they validate the debt. They have failed to do so. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove my indebtness to them? Ideal Collection Services is blatantly violating my consumer rights as well as totally disregarding the mandates set forth in the Fair Debt Collection Practices Act. This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry Has agreed to remove the inquiry from my Transunion report I did not apply and have no credit with these people. Delete XXXX for my Transunion report my id is attached please verify my id and signature

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 2020-05-27
Company: Webcollex, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I informed the company that this isnt my debt and this is negatively impacting my credit. They failed to validate the debt and the credit bureau wont let me dispute it anymore. They failed to show me anything stating that I owed them with my signature. I called the company and asked to come to mutual agreement as it is not mines but I need it off immediately so that me and my children can move. The representative stated they will submit to credit bureau for deletion. Today I found out they just updated it which was not -greed. They could listen to their alleged recording line. They stated they only delete if paid in full which was not disclosed to me until after I paid.

Company response to consumer: Closed with explanation