BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: MS
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:
Originally got a student loan through   XXXX   XXXX   XXXX  in my dads name he passed and I sent in death certificate as per request to close the account and forgoven. Never heard from them again or received a bill. Assumed it was wrote off. Recent credit report shows was handed over to naviant and was wrote off as bad debt. Never did I receive a bill or phone since I sent the death certificate or was notified of anything although it is now bad debt and wrote off it still reports monthly on my credit report. I recently saw they were under several lawsuits for doing this to people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
Here are the inquires that are my credit profile that I didn't authorize XXXX XXXX XXXX - XX/XX/2021 Capital One - XX/XX/2021 XXXX - XX/XX/2021 XXXX Premier - XXXX XXXX Capital One - XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My TD bank was demarketed after a remote deposit was made through the app. It was my fault I did not clearly look at the check. So they decided to end there relationship with me. I have a balance of approximately {$XXXX}. This issue has been going on since XX/XX/XXXX, and we are now nearing the end of XXXX. I was told by customer service that I needed to physically enter the branch. I did so XXXX with spending over XXXX hours there with different stories being told to me, and no resolution. I have spent countless hours on hold with different departments from customer service to fraud. Please help me in closing this account and having the funds returned to me. In addition I did not receive any correspondence regarding my account being demarketed, which should have been mailed to me. I had to find out when I couldnt log into my account online, called customer service, and then told I had to physically go into the branch for more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern I reached out to Experian credit reporting agency to have a account that was more than XXXX years old deleted based on the FCRA credit rules this is something that supposed to happen automatically. XXXX and XXXX have remove this account from my credit report. I made the dispute with Experian instead of them deleting the item they put new information that made the account more current which is illegal. As you can see from the picture they were in a rush to update the file that they didnt even update the days that it was past due correctly, this is illegal. Please find the attached picture from XXXX and XXXX confirming this account has been deleted based on FCRA

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 2021-11-22
Company: EQUIFAX, INC.
State: NC
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:
The account mentioned in the attachments from XXXX XXXX XXXX XXXX is listed as a Charge off when the account was actually paid in full by the consumer. The account numbers listed on the credit reports are inaccurate, and was called valid after investigation. The payment details are inaccurate and XXXX is the only credit reporting agency who has continued to re-age the account through its reporting since the account was paid and closed in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a new vehicle on  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my  XXXX   XXXX  which was Financed with  XXXX   XXXX   XXXX ,  XXXX   XXXX  obtained a 10 day payoff in order to send   XXXX   the correct amount owed. I started receiving collection calls from   XXXX    around  XXXX   XXXX  asking for payment from me I stated that I traded the vehicle in on  XXXX   XXXX  and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with Experian but they did not remove it. The Dealership overnighted the payoff check on  XXXX   XXXX  and now my credit suffers because of it.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: PA
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:
There is information that is all my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of facts by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transactions by me as the consumers. 
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. {$160.00}

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 2021-11-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've sent several certified letters demanding Equifax to remove all closed accounts, inaccurate information and a collection from a third party to which I never had a contract with. I am not a third party and am speaking on my own regard. I am a natural person, consumer and the original creditor. Equifax has already caused me public pain when I inherited accounts I've neve had because of their data breach in which I have also filed a claim for. Pursuant to 15 usc 1681b- Permissible purposes Equifax never received any written consent from me to publish anything on my consumer report. Thus violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my Credit Report I noticed that there are items that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the items needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2022-04-28
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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The account mentioned in the attachments from XXXX XXXX financial services is listed as a Charge off when the account was actually paid in full by the consumer. The account numbers listed on the credit reports are inaccurate, and was called valid after investigation. The payment details are inaccurate and XXXX is the only credit reporting agency who has continued to re-age the account through its reporting since the account was paid and closed in XX/XX/2018.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
When I reviewed my Credit Report I noticed that there are items that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the items needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX AUTO Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Reporters XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Mortgage Brokers XX/XX/XXXX Experian US SM BUS ADMIN ODA XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Installment Loans XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2017-04-24
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX / XXXX / XXXX  : Applied for a  Chase c ard and was denied for past negative " personal '' history with the bank, there were no negative reports from  Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied fo r a Chase card and was  denied for past negative " personal '' history with the bank, there were no negative reports fro m Chase or an yone else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied f or a Chase card and was denied  for past negative " personal '' history with the bank, there were no negative repor ts from Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Called local Chase bank branch to inquire about my personal report with the bank, they do not have info, refered me to cardmember services. I talked to  XXXX  at cardmember services who was unable to provide me with a copy of this report. I wanted to obtain a copy before I attempted to apply for another card. I do n't want to apply for a card and take a " hard pull '' on my credit report, if I will be denied for " personal '' reasons.  XXXX  advised to apply anyway, and then if I 'm denied ask to be reevaluated at which point they will do another " hard-pull ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
my daughter wanted to become a   XXXX   XXXX   but when she applied she could n't apply for the loan on her own so we were told we could split it between us. Approximately {$5500.00} each. The school stated by the time she graduated the loan would be paid off and they would help her find a job. Neither of those things happened. Due to unforeseen circumstances and hardships I had to file chapter  XXXX  to keep from losing my home. I had to make payments to the court of {$430.00} a month for 60 months and turn over my tax refunds also. The court still paid money to the creditors even though they were a write off.   They paid some to  XXXX   XXXX  for the school loan, little did I know that the school loan was accruing interest for th e five years I  was in bankruptcy. My  XXXX  dollar loan is now almost  XXXX ! I make  XXXX  dollar payments a month but it just keeps going up and   XXXX   me out that I will never get out from under this debt. I wish they would at least forgive the interest then I could maybe make a dent in this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: AL
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:
This account has been falsely validated & verified as accurate while maintaining several inaccuracies. As pertained by the XXXX, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax XXXX XXXX continue to break statute, U.S. code 15 U.S. Code 1681e - Compliance procedures, article ( b ). 

Inaccurate Address Inaccurate updated status Inaccurate date of last payment Inaccurate first late payment The inaccurate information being reported by XXXX XXXX XXXX direct violation of my consumer rights. I wish that this account be deleted from my report expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On or about XX/XX/21 i recieved an email from PayPal saying that my account is now restricted and i dont have access to my funds or use the account anymore for violating their term of service. I reached out to the company and found out that they think i am associated with someone who used their service for gambling purpose. I do not use the account for that purpose. I did not know that you can be guilty by association. I do not think that association is part of their terms of service. In addition, i honestly do not even know who i am " associated '' with that cause this. My account conducta business with a plethora of people so there is no way for me to vet any " associations ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have requested numerous time that I am having a hard time repaying my student loans. They refuse to assist me. When I make payment, the payment pends and goes directly to interest and barely nothing to the principal. I pay approx.  XXXX  a month to Navient every single month on time and hardly anything is being applied to the principal. My payment is on auto-debit to ensure the payment is made. I can not afford this payment however, I am trying my best so do not go into default. I have a sick father and children to feed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've sent several letters over the last 60 days and have not got a response to any of my disputes letters from each of the credit bureaus. Per FCRA they have 30 days to respond to disputes and did not respond at all as you can see the laws here : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation