BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Federal Student Loans - Cause Of Action Dismissal - Schedule Appointment XXXX XXXX ToXXXX XXXX XXXX Today at XXXX XXXX Hello,
 My name is XXXX XXXX and I am the Federal Student Loan Discharge Specialist here at XXXX XXXX XXXX
 
I am reaching out to let you know that the Department of Education (DOE) has added your school to a list of schools that file a "Cause of Action" claim. This is a Grievance Discharge of all Federal Student Loan Debt for students who feel misled or defrauded when it comes to their school experience.

 
Have you been made false promises to regarding job placement or assistance?

Have you been lied to about your credits being transferable to other college/universities?

Have they failed to thoroughly explain to you the full cost and breakdown of your entire tuition?

 
These are some examples of questions that if apply to you would deem you eligible for this Grievance Discharge, and if approved you could be completely dismissed of all your Federal Student Loan Debt and reimbursed on all voluntary payments you have made to your student loans thus far. If you have ever received any credit damage due to these loans, that damage can be completely revoked.

If you would like to check your eligibility further, please contact me via email or phone. I can go over your case and see if you are a valid candidate for this program. Have a great day and if you know of any classmates or friends/family that this might apply to, please pass along this information.
Thank you very much
 
 
Please email me or call me to schedule an appointment if you feel this applies to you.

-- XXXX XXXX XXXX Loan Discharge Supervisor XXXX Direct: XXXX ext XXXX  FaxXXXX (XXXX) XXXX Email:XXXX Web: XXXX XXXX XXXX XXXX XXXX "This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply e-mail and delete this message." Thank you for your cooperation
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Received a credit card denial letter from Kohls department store that I did not apply for. My 2021 taxes were also filed by someone else and I was unable to file. I want to be sure this request does not effect my credit and my identity has not been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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 two credit inquiries on my credit report which I didn't authorize and are a result of someone using my name and personal information. The two fraudulent credit inquiries are : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is reporting a negative mark on my credit report which was a result of identity theft. They sent me a letter stating they can not validate the debt, they have refused to sign a sworn affidavit stating that the account in question was mine and that they have a signed contract with my wet signature along with the wet signature from someone in their company.

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 2017-06-20
Company: Nelnet, Inc.
State: MD
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:
On XXXX XXXX, 2017, I received an email stating the following : We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$3000.00}. I never requested a forbearance or deferment. I have made my regular payments of {$340.00}. The email also stated that my new regular payment would be {$1000.00}, due XXXX XXXX, 2017. However, the automated phone system stated that my new monthly payment is {$710.00}, also due XXXX XXXX, 2017. I called and spoke to a representative and stated that my income-based repayment application was 3 days late causing the changes. I have had an issue with Nelnet every year when it come to renewing my income-based repayment. I work for a XXXX XXXX XXXX in XXXX. I need help with this issue as soon as possible. I had to take a deferment for the month of XXXX because of this issue, of course that means more interests and more debt, while the company figures out my new income-driven repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX from Direct Express Debit XXXX XXXX ( XXXX XXXX XXXX XXXX, valid thur XX/XX/XXXX. ) send me a debit card. I call their customer service XXXX on XX/XX/XXXX, at XXXX, that I never apply for the card. All the customer service ask and repeated for my social security number only and then they hang up. I did a little research on the web that this is a fraud and now I do n't know what to do now that they had my social security number. The debit card as comerica bank on top right of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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:
I am submitting this CFPB complaint to you today to follow up the the most recent complaint I submitted last XX/XX/XXXX. I believe that the Credit Bureaus are not doing their job properly and needs a constant reminder that they have huge responsibility. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. But in my case, I believe that the Credit Bureaus chose to not comply with the FCRA statute. I was a victim of identity theft and the accounts and information I am disputing are the results of such crime. I am requesting the Credit Reporting Agencies to please remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Goal Structured Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Launch Servicing is trying to collect amounts from me that are unfounded. I originally started paying the debt from another servicing company and could only pay a certain amount monthly which was a fair amount totaling around {$2500.00} from XX/XX/XXXX to XX/XX/XXXX. Launch Servicing then came with the amount totaling over {$20000.00} as well as false claims of me never paying saying I was behind in my payments when I paid in good faith every month. I am being harassed to pay for something I don't even have a clue as to where they are getting the information from. Apparently the previous servicing company didnt like the amount I paid month to month and turned the debt over to Launch after they lied about everything. I uploaded documents showing what I paid previously and it wasn't acknowledged but I rather was harrassed and told more information was needed when the facts are plain to see I paid in good faith previously the account didn't reflect how much I paid just an outrageous amount and no details as to where they were getting it from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: NJ
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:
This letter is to inform you that I have become a victim of identity theft. There are addresses on my report which do not belong to me. My address is XXXX XXXX XXXX , XXXX, NJ XXXX.Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. I am completely willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent inquiries from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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: Information belongs to someone else

Complaint:
I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with XXXX, XXXX, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, please be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX  XXXX XXXX  XXXX 4. XXXX XXXX XXXX  XXXX 5. XXXX  XXXX/XXXX  6. XXXX 7. XXXX {$1900.00} XXXX Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2017-06-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my checking and savings account with BMO in XXXX XXXX. I opened with a special offer of {$300.00} bonus for checking account and {$200.00} for the savings. I have been inquiring about the bonuses for months, only to be told to wait. Now I did not get the bonus and this was escalated to the marketing department under Ticket XXXX and I was told the type of savings account I opened was ineligible. This is infuriating as I had no say in what type of account was needed, I was not given a confirmation of the bonus or any other documentation at account opening about the requirements. I want this escalated and I feel that there is no reason I am not awarded the {$200.00} bonus.

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 2019-08-07
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 status incorrect

Complaint:
I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX   XXXX, XXXX BXXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX on my Equifax, XXXX and XXXX   credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: MI
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 had a total of 7 checks spent with XXXX XXXX XXXX XXXX in XXXX County Michigan that were returned for insufficient funds. I paid all of this off in full as part of the XXXX XXXX prosecutors bad check diversion program. The checks were issued in XXXX. The payment in full was in XX/XX/XXXX. However, these still show as unpaid on the Equifax credit report and are a delinquent mark that continues to limit my credit score. I have tried to correct this with them but they are unresponsive. I would greatly appreciate it if this was corrected to reflect the actual status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have called Equifax and XXXX and have sent a multiple inquiry letter to both of them to remove all fraudulent inquiry 's off my report and I got the general card response that inquiries are factual and will stay on my report for two years. I have had a fraud alert placed on my credit file to ensure no credit is issued without contacting me. I explained to the Representative XXXX in the fraud department with Equifax and XXXX with the fraud department of XXXX that I had no knowledge of these inquiries as they are not tied to an account and I did not authorize those inquiries but I was told they are factual & they will not dispute them. XXXX with XXXX  was VERY rude as I asked her to transfer me to a US special handling Representative she lied and said she could not transfer me and said she would hang up in my face if there was nothing else I needed. I believe XXXX and Equifax practices unfair procedures and I know for a fact that they do n't investigate anything wheather it 's inquiries or a account that 's reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously contacted company and the credit bureaus to remove negative information. Jefferson Capital ( debt buyer/third party collection agency ) was unable to validate this debt for {$950.00} to the credit bureaus or to me personally because it does not belong to me. They continuously harass me, reporting this negative information, and deliberately destroying my credit information. XXXX  previously filed an investigation and due to no proof ; they deleted it from my credit file. However. I just found out today ( XXXX XXXX,2017 ) that this debt buyer ( original creditor -XXXX XXXX ) once again reported this alleged debt with XXXX and is being reported again. This is a direct violation of FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Since XX/XX/XXXX I have written, fax, emailed letter to all credit reporting agencies, companies involved including their CEO 's regarding accounts/information being reported wrong on credit bureaus. I have never worked at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, nor have I ever been retired. Have never lived at XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX Il XXXX or XXXX XXXX XXXX XXXX XXXX Il XXXX. I have " NEVER : made late payments to XXXX XXXX ( current onetime no late payments not in forebearance ), XXXX XXXX/XXXX, XXXX/XXXX 's, XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Have " Never Applied for credit or authorize obtaining credit report for the following companies : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX please remove all non-account holding inquires. Public Records do not belong to me : Judgments # : XXXX, XXXX, XXXX please delete. Please remove " Promotional OPT-OUT '' would like to be consider for promotional offers that I qualify for. Also have accounts that bureaus are currently blocking that I would like to be reported they are accounts in good standings from the following companies : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX, XXXX , XXXX XXXX , XXXX , XXXX XXXX , XXXX/XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX . Spoke with reps and was advised information was re-inserted in results of system glitches that credit reporting agencies have experienced on numerous occasions XXXX XX/XX/XXXX- XX/XX/XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX-XX/XX/XXXX,  and Equifax XX/XX/XXXX and that all information submitted would be updated in 10-15 days which was over 30 business days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Contacted Hhgregg customer service center in XX/XX/XXXX once statement generated which reflected a higher balance due, thought card information had been compromised when spoke with rep was advised that promotional period for interest rate will be ending and the additional XXXX was deferred interest from life of account ; I advised representative that I did not receive anything in the mail and to charge almost XXXX on an account without warning was alarming she advised me that if I made an payment of {$520.00} on or before XX/XX/XXXX they will waive interest and other fees making new balance {$490.00} ; asked rep to notate the account and advised I will call back in on XX/XX/XXXX to make payment which I did rep was able to see notes on account processed payment for {$520.00}, waived XXXX and again advised me that bill will cycle and new balance of {$490.00} will be reflect on statement and online account within 24 hrs. Which it has not current balance is showing {$540.00} which is XXXX higher than quoted and that amount has been reported to credit bureaus. Would like the XXXX to be waived, online account, statement and all credit bureaus to be notified of correct balance of {$490.00}.

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 monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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