BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX/XX/XX/XXXX my mother XXXX XXXX XXXX XXXX pays my student loans automatically each month. I received a call regarding my loan from Navient stating I was months behind. I knew this was not possible since my mother pays this automatically. I immediately made a {$670.00} payment. Both of my mother 's payments were refunded to her. She has since made another {$480.00} payment to Navient on X/XX/17. Since this mix up with Navient and overpayments being sent back, wrong phone numbers, harassing phone calls to both myself and my mother 's cellphone Navient has placed a 90 day derogatory remark on my credit ( XXXX XXXX XXXX ) Both of us have tried numerous times to get this rectified to no avail. I would like this immediately removed from my credit report. Navient is threatening and continues to harass and give both of us incorrect information. This information has a negative impact on my current schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is directed to XXXX XXXX in reference to CFPB complaint # XXXX I understand banking terminology can be very difficult so let me teach you about terminology. 
First off, an XXXX transfers are transfers from bank to bank, external transfers. 
XXXX XXXX XXXXXXXX Another source XXXX transfers include external funds transfers, person-to-person payments, bill payments and direct deposits from employers and government benefit programs. Business-to-business payments are another one. ( nerdwallet.com ). 

You wrote, " Records confirm the deposit of {$5000.00}, made on XX/XX/XXXX, was an external transfer from an account held by you at XXXX XXXX. '' Again, external transfers are what an XXXX transfer is. I am astounded that they allowed you to spew this gibberish and nonsense. 

Im happy to send a demand letter for what I am owed. Since you directly explained what an XXXX transfer is, said that I did that, and then said that I was not eligible for the bonus. 

I would highly recommend you speak to someone in your department that is competent and banking regulations and terminology. As of now, US Bank is in breach of contract which would warrant legal action.

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 2022-06-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: PA
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:
Disputed a chap XXXX bankruptcy with all 3 credit reports. XXXX   Experian and XXXX failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 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 2017-09-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely angered with how Equifax has handled reporting this breach. Hardly anything at all was done to notify the public for nearly a month after the breach was detected. A physical letter? No! An e-mail? No! Unprofessional and low class. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. This potentially could ruin millions of hard working people.Dealing with the 3 credit reporting companies is beyond tedious. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone accessed to my online banking and made {$500.00} XXXX transfer to someone I dont know or I did not authorize on XX/XX/2022. I called the bank right after I got a confirmation email from the bank and noticed this was not made by me. I filled a claim right away but the bank told me the transaction was made by me and closed the case and told me they can not credit the {$500.00}.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2017-10-05
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient manages my student loan since taking over from XXXX XXXX. 
My loan increased from approximately {$60000.00} to over {$120000.00} due to the crooked devious stonewalling tactics of Navient and XXXX XXXX including : -created obstacles to repayment by providing bad information ; -loan payment of over {$1200.00} a month ; -illegally claimed my loan was in default destroying my credit rating when in fact it was in forbearance : ; hiding access to income based repayment plans to increase unpaid interest accumulation on outstanding loans ; -denied receiving application forms and documentation asking for forbearance because I did n't know income based payments were available, -failed to act when I complained to Navient, XXXX XXXX AND their crooked XXXX ombudsman ; and illegally cheated me a struggling borrower out of their rights to lower payments, which caused them to overpay for their student loans. 

I have a stack XXXX inches thick of evidence since XXXX against Navient and XXXX XXXX showing how they lied, cheated me and stonewalled. Copies of what they did to tank my XXXX XXXX. Letters to the Attorney General of my XXXX, the XXXX, the XXXX XXXX XXXX. Most notably I have copies of correspondence from the worthless XXXX XXXX, Office of the Customer Advocate at XXXX XXXX, the worthless XXXX XXXX, XXXX XXXX XXXX XXXX at Navient and the worthless Ombudsmen at the XXXX Ombudsman XXXX XXXX XXXX -- all of whom refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax allowed my most private personal information to be stolen from their systems in XXXX XXXX. They failed to disclose this theft until XXXX XXXX, XXXX. This put me and 146 Million other consumers at risk for life long identify theft, since the stolen data can not be changed by citizens. 

Repeated attempts to place a " credit hold '' on my account have failed because systems are unavailable, both on-line and by phone. So there is not protection of my accounts. Because I can not change the stolen data, such as social security numbers and date of birth, I am open to identity theft for the rest of my life. 

Repeated attempts to get an up-to-date credit report failed because " the system is under maintenance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX. XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : -EXPERIAN BUSINESS CRED XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX   months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my credit score greatly and my ability to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: TX
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 pulled my credit to see what was happening as is my right. I ahve written Experian many times telling them that they are reporting inaccurately. However, they have done NOTHING to fix the problem. I write them XX/XX/19 an let them knowthey are reporting an account inaccurately and where the information came is unknown to me on collection company called XXXX XXXX - on XX/XX/19 they responded and stated their notes they updated the account and processed it in XX/XX/2019. They didnt make a single change or update to the account as referenced on page 3 of the submitted document. I have shown that a paid account is NOT A CHARGE OFF. I then disputed it again on XX/XX/19 pointing out more errors that they could not have updated or validated the account as there are THREE ( 3 ) different dates of last activity with all three main bureaus. Again I expected deletion as is my right since they are reporting inaccurately. I wrote them again on XX/XX/19 and advised them that the account was never a charge off and yet they started reporting is as such when that was never the case and for well over a year there was no reporting. They responded that they updated the account. The only change made was removing the comments section and NO LONGER REPORTING account is in dispute. See enclosed information. They have never looked into this account. They have never verified it to be accurate. This is a direct violation of my rights. On THREE seperate attempts they have ignored my letters and just gave fluff back. Never once did they follow through and get the correct information on the account. I demand deletion for the inaccuracies as well as for their PROVEN violation of the FCRA/FDCPA. I have written them a 4th time, but given their extreme neglect of my rights I dont suppose they will do any better.

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 2019-07-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The company is still reporting the wrong information ... its shows 30days late on different months and the in the report I have found severa inaccuracies. So if I can see the inaccurate information. How they cant. What did they check the information on to see that it was accurate ... I dont understand how in XXXX I was 30days late with XXXX but on time XXXX and Experian. Then in XXXX late with XXXX and Experian and on time with XXXX ... My Open Date is Wrong, My Last Reported Date Is Wrong, Date Last Active Is Wrong, Date Last Payment Wrong .... So Please Tell me how there following the laws of the FCRA if the information they say to be true and accurate is not In fact accurate ... I Never missed a Payment ... please update my credit report to payed as agreed and remove the 30day late payment from my 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 2022-06-14
Company: SYNCHRONY FINANCIAL
State: LA
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, XXXX XXXX, am a federally protected consumer and I am filing this complaint against SYNCB/Verizon. SYNCB/Verizon is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that SYNCB/VERIZON is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave SYNCB/VERIZON any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2022 ( XX/XX/2022 ). If this inquiry is not removed, I will hold SYNCB/VERIZON criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If SYNCB/VERIZON can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2021-12-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent capital services is currently trying to collect a debt from me. My credit report is currently reporting three different days last active. It is actually reporting three different years! 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right! 
The day last active would affect the account would naturally fall off.

Three different years is ridiculous!

I have sent certified letters to Resurgent asking them to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: LA
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: Problem getting your free annual credit report

Complaint:
I found out about the Equifax system breach on XXXX/XXXX/XXXX and I immediately requested my consumer report from Equifax. A rep from Equifax informed me that my credit file was in fact heavily compromised with multiple new accounts overseas and that for my protection my file was " administratively '' frozen. The rep ( XXXX? ) further informed me that even though I verified my account verbally and submitted the requested photocopies of ID that Equifax will NEVER release my file as it was not just compromised, it was used fraudulently to destroy my credit. 

Furthermore, Equifax will not do anything with my consumer file. As soon as I verify my SSN on subsequent calls, i will be informed that my matter was resolved and hang up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: OH
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I noticed unauthorized inquiries reporting on my Equifax and XXXX that needs to be deleted. I filled out an FTC report which I will attach mentioning the referenced inquiries and pursuant to the block of information section of the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681c-2 these inquiries had to have been deleted within XXXX business days of receipt of my FTC report so I would appreciate this to be done promptly to avoid the continuation of Equifax and XXXX continuing to violate federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Equifax stored personally identifiable information in an unsecure fashion allowing hackers to easily steal it. They waited over 2 months to reveal the loss and executives cashed out stock prior to public ally acknowledging the theft. They offer credit monitoring service, but fail to offer credit repair service for free - a likely necessity for those of us in the breach. They also want us to give up the right to sue them or join a class action lawsuit.

Company response to consumer: Closed with explanation