BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Ever since Navient took over for XXXX XXXX I have had issues. Navient has talked me into forbearance and defferment for years. Now my loan has majorly increased. I can not pay my loans due to making hardly any money. They give me no options but to keep putting it off. I recently went into a state with no forbearance time left and they gave me no other options but to consolidate. I see University XXXX XXXX has been sued for fraudelent claims to get loans and now Navient too? I would like to know what my options are at this point because I am drowning with no choice. Both being sued makes me feel as if I was totally in the middle of fraud. University XXXX would not allow me to finish my last XXXX classes to even finish my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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 identified some improperly reported items after reading my credit report. The Congress has granted me the ability to dispute and correct inaccurate information on 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 non-monetary relief
Consumer complaint received 2015-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I made a deposit to my Chase Liquid Account from my XXXX XXXX. I Made the deposit XXXX XXXX, 2015 my XXXX XXXX Paid thesame day, fund were taken out of my XXXX account XXXX XXXX, I verifiedWith XXXX and they advised me the Chase had received the fundsXXXX XXXX, 2015. My ATM deposit receipt there XXXX be a delay in theavailability of these funds until XXXX XXXX, 2015. Chase had recived funds fromCitbank the same day I made my deposit but still XXXX days to give me credit formy deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have items on my credit report that do not belong to me, as I am a victim of identity theft. I submitted my police report and FTC report along with my letter multiple times to Equifax and although most of the accounts were removed, the XXXX XXXX XXXX XXXX account was not blocked at all and only came back as " verified ''. This account does NOT belong to me and I have been disputing this account for months now! They are violating my rights under section 605B of the FCRA. If they DID block this account and re-inserted it, they did so without my knowledge and never informed me that this account was re-inserted ; by law they must notify me within 5 business days of the re-insertion. Neither of these things happened. My next letter to this company will be an Intent to Sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: TN
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 was pre-approved and applied for the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both XXXX and Experian did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to XXXX or Experian. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX ) and can view my credit score on all three websites.

I was able to pull my free credit scores from all 3 agencies from the XXXX website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my XXXX and Experian credit reports. They said they received them and once again it was denied because I was showing no credit history/FICO score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my XXXX credit report ( XX/XX/XXXX and XX/XX/XXXX ). XXXX says because of the hard pulls, XXXX was able to get my credit report so there is no issue on their end. 

XXXX XXXX said they were not able to pull anything from Experian and I have been unable to get into contact with an actual person to talk to from Experian 's customer service. I have been trying for a month. 

XXXX XXXX says it shows I have no credit history or FICO score so that the issue is with XXXX or Experian. 

XXXX says that they use the XXXX and no FICO score so that XXXX XXXX should not be trying to pull a FICO. This does not make sense to me because why would XXXX XXXX not know this and try to pull FICO scores from XXXX XXXX says the issue is with XXXX, and I can't get into contact with Experian at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Equifax is violating provisions of the FDCPA by implying that the legal status of XXXX ( XXXX ) debts are collectible by reporting the alleged debts on my credit report. The exact statute is 15 USC 1692e, ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Equifax does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Equifax may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Equifax is willfully and knowingly violating germane Colorado statutes by publishing defamatory and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone got a hold of my social security number and got a SS card printed and they signed it. Then they took a XXXX XXXX check with someone else 's name and washed the name on it and put my company name on it. They made a fake XXXX  Driver 's license using my XXXXXXXX XXXX  photo and my old address in XXXX. They also must have contacted the Secretary of XXXX and got my company 's federal tax ID number and a letter from the IRS with my tax ID on it. They took all that info and submitted it to multiple financial institutions in order to open a merchant account. Many other institutions phoned my company because things didn't add up. But somehow XXXX, a Merchant Services company didn't due their due diligence and opened up a Merchant account in the name of my company. Once I found out that I had these attempts on my credit, I locked my credit, but somehow XXXX opened them up anyway! One of the banks sent me a copy of the fake id and check and IRS letter. Once XXXX opened them up, the fraudsters proceeded to run over {$30000.00} through that account. Now I'm being pursued by XXXX for {$220.00}! I don't have a clue what that's for. As far as I'm concerned they need to eat that money as they are the ones that opened up the account without proper verification.

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 2022-05-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Many inquires were made that I dont recognize and the dates are all different

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TD BANK US HOLDING COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Target Credit Card is currently reporting 50 charge offs on their account on my credit report severely damaging my credit worthiness and misleading potential creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am trying to remove a Dispute comment that I put on my account. The dispute is closed. I have been dealing with Equifax for weeks, and not only have they not taken off the dispute comments, but they have put the accounts in " Dispute status '' which is even worse. The other XXXX major credit reporting agencies took these dispute comments off immediately but I am not only getting the runaround with Equifax, but they are making it worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have a address on my report and I have never lived in XXXX ca

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 2021-12-29
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I sent XXXX letter informing XXXX there are unauthorized and unverified accounts on my credit which are affecting my insurance rates and if can pleases remove immediately without be able to verify any accounts. It also shows the account debt was paid which also was NOT me. I gave it 30 days and still no response, so then XX/XX/XXXX I sent a letter demanding to comply and that I will take further actions if do not fix the problem. I know its law to at least get acknowledged or updated on investigation about inaccurate accounts with 30 days. I still have yet to get a response. So please help me get this removed as it is affecting my rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XXXX XXXX ( my credit card company ) was to provide an Experian score every month. Experian has consistently reported an erroneous score ( XXXX points shy compared to XXXX and XXXX ) and punitive in nature since my inquiries to CFPB ( above case reference ), and currently did not provide any score even though XXXX XXXX has reported to all of the credit reporting agencies on XXXX/XXXX/2016. Upon review, all the credit agencies should have the XXXX information ; so why does Experian have an XXXX point difference?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX REPORTED LATE PAYMENTS ON ACCOUNT : XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 60 DAYS ) XX/XX/2016 ( PAST DUE 90 DAYS )

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 2020-06-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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
Consumer complaint received 2018-01-24
Company: RAB, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX, who is claiming to be an attorney, has called and text messaged me from XXXX XXXX numerous times after being told he is contacting the wrong person and has contacted me before XXXX multiple times. He has also called me from other numbers after being told I would not answer his calls. This morning he also forwarded messages to clients of my business. The debt is in my father 's name, he has called his place of work and numerous family members stating the amount of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was making my student loan payments on time. My Father passed in XX/XX/XXXX. I notified Navient that my Father passed. I was in good standing with Navient. Upon hearing of my Father 's passing from me. Navient transferred my loan to a Collection Agency called XXXX. I made another call to Navient, asking them why my loan was transferred to XXXX. The Navient Representatives ( I talked to several CSR 's ) did not know why my loan was transferred, when they could see I made my payments, and said they can see in my account that my payments were on time. I called XXXX, and they said, I have no rights to talk to them about the Private Student Loan. And would not discuss the Private Student Loan with me. They sent a demand to the Estate Lawyer that they are collecting from my Father 's Estate. 
NAVIENT has been reporting to the credit agencies that I am late, They have now reported that I am in default.. I have been handed over to XXXX for full collection of the loan. During this past year, I have contacted Navient, and they would only say, that they would fix my credit when I showed them proof. I emailed them that proof on XX/XX/XXXX. They transferred my account to XXXX, which is collections in Navient as I understand it. In addition, Navient has transferred my loan to a company called XXXX. They are demanding {$12000.00}. This is more than was owed on the loan to begin with. 

With an open Estate the Courts rules " the personal representative should not pay any claims until after the time for filing claims has expired '' Furthermore, a " Notice of Rejection '' was sent to XXXX 's and they did not respond to the notice by the date specified in the notice to creditors, and according to Estate Court rules, Navient is forever barred from collecting the debt. ( G.S. 28A-19-3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Chase Credit Services reported 30 Day Late ( XXXX 2012 ) to all major credit bureaus ( XXXX, XXXX, and XXXX ) arguing that Chase did not received payment from me for the month of XXXX 2012. The payment for XXXX 2012 was submitted on XXXX XXXX, 2012 through chase.com online portal, however, Chase Card Services failed to process the payment for unknown reason. I provided proof of payment to Chase Credit Services, however, chase.com stubbornly refuse to remove 30 Day Late from all XXXX major credit bureaus without proof or good cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a collection from XXXX on my file for {$2200.00}. This bill is not reported correctly. There where XXXX people signed to this lease with all of SSN and any addiontal information they needed to give us this place to live yet under the terms Responsabilities it states Individual which clearly is inaccurate. that would mean we should be splitting this amount XXXX ways which should be {$560.00} individually. I 'm afraid this creditor is trying to report for payment from all XXXX individuals at the amount of {$2200.00}. If we all paid that the creditor could make up to {$9100.00} dollars. This is incorrect and something needs to be done. They wo n't respond to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha XXXX filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My husband and I entered a lease agreement renewed XX/XX/XXXX. It was written for 13 months period. I was informed it is against the law to have it drawn up the way it was, after signing moving into another apartment under different management. The problems associated with the balance was at move in. There were problems with the uneven floor boards, the buoyancy of the flooring was unstable and there was a transferred water bill that the company did not want to resolve. It was attached to the water bill for XXXX. I have disputed it with the company via certified letters. I also went to speak with then manager ( XX/XX/XXXX ) but there was not one on the property. As of today, it was moved into an installment status until 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 2021-04-21
Company: Paypal Holdings, Inc
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, Hope you are doing great, So PayPal closed my account recently for no reason and will not help me with getting it my funds and account back. I am not sure if this is some mistake as I assume it has to be. 
Their customer service representatives barely speak XXXX despite supposedly representing a multi-billion dollar company and have been unable to help me. I really hope this report will solve the issue as quickly as possible. 
In my point of view, I feel they are not doing their job properly and it is affecting my daily transactions as I used PayPal quite frequently. 
Here is the email of my PayPal : XXXX I hope once again, that this issue will be solved Have a good day, XXXX

Company response to consumer: Closed with explanation