BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
ON XXXX XXXX, 2016, XXXX alerted me that applications had been made with my social security number. XXXX/XXXX/16, XXXX/XXXX/16 -- -There were XXXX applications made, my FICO took a dump from XXXX to XXXX, then to XXXX ... I was FURIOUS. 
I 'M A XXXX with 28 years in XXXX. I understand the mechanics of credit. 
I FROZE ALL MY CREDIT ON XXXX XXXX, 2016. I put a consumer alert and a 90-day alert, while I was getting the police report filed. 
I was promised that NO CREDIT would be issued under a freeze. I was promised that creditors wo n't issue credit with consumer alerts .... I 'M IN THE THROES of this and I 've gone from shock to absolute anger. I 'm a very aware woman and quite capable of figuring out systems quickly. What I 've been seeing are " holes '' for prevention to be penetrated. From start to finish, I 've handled all aspects of proactive actions to restore my credit. I was fearful to trust others ' since I noticed they took action about 2 weeks after I had already contacted : 1. I contacted all creditors of fraud day 3-5, insisting they immediately contact credit reporting agencies and remove promptly ( all info I received from XXXX ). 
2. I froze all my credit day 3 from fraud initiated. 
3. I put 90 day alerts plus consumer alerts day 3 from fraud alert 4. Police reports within 5 days 5. I now discovered that New Account -- -XXXX reported a new account on your EQUIFAX Credit Report. They had a {$120.00} FEE that went to my reports. All XXXX of them. This company is fraudulent in actions. The credit agencies? My credits frozen and this account was NOT APPROVED PRIOR TO. 

I 'm very aggressive at this time since I 'm tired of paying people to protect me and they do n't. System failure is running rampant. I am a XXXX and highly trained in XXXX. 

Again, the name of the applicant is not my name w/my social. Red flag for the creditor? Or, they just have blinders on or asleep at the wheel? 
I was notified on XXXX XXXX, 2016 of a new account from Equifax! 
I railed the creditor! On XXXX/XXXX/16, the XXXX other agencies reported new credit with a {$120.00} fee ( the creditors fee )! 

I called the creditor and expressed the " illegal '' aspects of this. I said, " get this off my report, now! '' Additionally, all XXXX agencies are reporting with a FREEZE and consumer alerts on my account. The credit card was in the name of " XXXX XXXX. '' My name is XXXX XXXX XXXX and my social is not tied to his name. I 'm sick of this carelessness, the credit reporting agencies and their reporting, but NO INVOLVEMENT. They should not have this type of power and be unaware. No.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and noticed fraudulent accounts this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I fell behind on my payments, after XXXX and eventually entered a payment agreement with Discover Card. I authorized them to take the money out of my account automatically by giving them my account and routing number. I saw in my bank account that for 4 consecutive months the debits were taken out in the form of an automatic check. Suddenly, 7 or 8 months later, I received a letter from an attorney saying the account was charged off and placed with them for collection. I called Discover and nobody could explain what had happened, until finally I got a hold of a manager who said the account was charged off on the same day that I was put on the payment plan and that the representative should not have put me on a payment plan. They said they called back to advise me of that but I never received the call. I assumed everything was settled since the money was being taken out of my account each month. Discover now claims that I was mailing in checks but no, the money was taken out of my account through whatever authorization I gave the representative over the phone when the agreement was made. Discover says that now that the account has been referred to an attorney there is nothing they can do about it. I do n't understand how the company can simply say that it made a mistake and should never have entered into an agreement and how it can choose to cancel that agreement without informing me of its decision and while taking payments from my account. At this point, I do n't even know if the payments were credited or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18
Company: PNC Bank N.A.
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a PNC checking account that had a XXXX bonus promotion if certain criteria was met.
XXXX with Performance Select: Earn a XXXX bonus when you do the following:
    Open a new XXXX with Performance Select
    Establish a qualifying direct deposit of XXXX to your new account
    Make at least one payment with PNC Online Bill Pay
On XX/XX/XXXX I made a direct deposit of XXXX, on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX which was followed by a XX/XX/XXXX XXXX bill pay.  I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my XXXX.  The customer service representative told me I did not qualify for the bonus.  I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months.  I then waited until XX/XX/XXXX and proceeded to close my account.  I'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I NOTICED MANY UNAUTHORIZED INQUIRIES ON MY PROFILE THAT I DID NOT AUTHORIZE!! PLEASE INVESTIGATE AND HAVE SAID INQUIRIES REMOVED. PLEASE...... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract OF ANY AND all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account ... ..... 
I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ... ... .... 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below ...... 
I request that the following inquiries be verified or removed immediately : *****Identity Theft / Inquiries ****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 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After working very hard to pay off my Sallie Mae XXXX loan in full XXXX XXXX, they promised that a payoff letter would arrive within XXXX days. No letter was ever received. Each time I call back the customer-no-service promises that a letter will be sent soon. It has now been XXXX days and the account is STILL OPEN! I called today and asked to speak to a manager. When I insisted that they close out the account or else a formal complaint would be filed they hung up!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Navient Solutions, LLC.
State: AZ
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:
After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on Income Driven Repayment. That none of my loans delinquent. Therefore Navient had fraudulently reported my student loans delinquent even though that is not true. Navient, company that handles student loans falsely reported a false credit report on me. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Jim Bottin Enterprises, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved and no longer used their club at XXXX and I have not attended for over 2 years. I had been a member for years. I no longer had a contract with them. The parent financial company ABC financial services stated I do not have a dent with them. The health club says I owe them {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I originally took out a private Sallie Mae school loan with a cosigner who agreed to pay half. This loan was used to pay for tuition and living expenses for XXXX semesters in my XXXX year. The following semester of what would have been my XXXX year, I attempted to take out another loan for my final XXXX school semesters. I was unable to do so, even with a cosigner, and was therefore unable to finish college. Since then I struggled with finding stable employment for 2 years, and by now the loan has defaulted. The cosigner has indicated no desire to make any payments and has become difficult to come into contact with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I finished my XXXX degree in XXXX of XXXX and graduated in XXXX of the same year. unbeknownst to me my loan be came due the in XXXX of XXXX. I began making payment upon notification but appraintly still behind. Which I was able to verify and confirm in XXXX of XXXX. An adjustment was made to my account in XXXX XXXX for a two year agreement to pay the interest only in the about of XXXX. Effective XXXX of XXXX I started paying XXXX ever XXXX weeks. As of today I was advised I had a balance due of XXXX. The representativive advised that program ended in XXXX of XXXX, which and because I was only making a payment of XXXX each month that left me with a deficiency of XXXX each month for the past 6/7 months. The only way they will rectify the situation is to set up an automate withdrawal. I have advised the numerous time that my payment is automately set up through my bank account and that I would perfer them not to have my account information. The representative also advised that they are not able to determine why the interest only ended before the two year term was up. Navient formerly none as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I requested an interest only period when my loan entered repayment in XXXX per Navient 's suggestion as I was unable to pay the full amount. They assured me it would take effect before my first payment was due. About a month later I inquired since my payment amount did not change and was informed I was not eligible for that. They suggested a forbearance, but told me not to request it until XXXX XXXX so it would cover the full 3 months. I have gotten harassing phone calls every day since that instruction several weeks ago. Every time, the agent read the notes on my account and told me they would hold further calls until XXXX XXXX when I could request the forbearance. Yet, I still get called evey day multiple times per day. They will not stop.despite advising me to wait until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I applied for Sallie Mae private loans I was assured over and over by their phone workers that I could make changes on my payments depending upon my finances. I currently pay {$750.00} a month to Sallie Mae and have been unsuccessful in getting them to change that. I made an official complaint through the CFPB about this and received a call from Sallie Mae offering to " work with me '' on my rate. They told me they were unable to change anything on my account because my cosigner and myself combined make enough income to pay my monthly fees. I am submitting a complaint because this was clearly far from transparent during the application process. Again, they assured me, based upon MY finances, not my cosigner 's, that I could make alterations in my payments. I was unable to make payments for XXXX months last year, and rather than put them on my cosigner, I was forced to go into forbearance, which ultimately led to an even higher monthly payment. 

My XXXX complaint is that my interest level is absurd, even having excellent credit. Half of my repayment is interest, and this, I feel, is exploitative. Sallie Mae can not carry on like this. I make regular on-time payments, and I demand a lower interest level.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section : states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which atendates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was called today about this debt. I am currently unemployed and do n't have the financial ability to cover past debts, I am struggling with current bills. 
I told the representative that I was unemployed and unable to make a payment. 
She said that she would note that I was unwilling to make a payment and that if I did not make a payment legal action would be taken against me. 
I reaffirmed that I said I was unemployed and unable to make a payment. 
She repeated unwilling... ( once again not what I said ) This was not the first time this collection agency has done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have recently reviewed my credit report and have noticed that Capital One reports false and inaccurate historical data. I have provided the information to show the reflection of FCRA violations that are currently reporting on my credit file ( bank statement, payment receipt, the false credit entries presented by XXXX and XXXX ). I am requesting the complete removal of the negative tradeline from my report due to multiple FCRA compliance violations that you engage. 

These inaccuracies include : Reporting 120 days late XX/XX/XXXX, and 120 days late XX/XX/XXXX which would be impossible as this is only a 30 day time frame. This inaccurate historical data makes your claim impossible to determine an accurate chargeoff date. You falsely report 120 days late within a 60 day period. That makes no mathematical sense and is completely inaccurate and false. 

Capital One reported 14 months of late payments after the account was reported as charged off. 

Payment was made XX/XX/XXXX in the amount of {$500.00} to satisfy the entire balance of the collection account, yet your agency as well as Capital One falsely reported the account as a charge off for XXXX of XXXX. 

I disputed the inaccuracies with Capital One and they responded with a letter. The body of the letter states The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. 

Capital One lied and claimed to be following the FCRA laws, in complete contrast to the evidence that I have presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Sir/Madam : When the XXXX data breach occurred I immediately tried to place a block on all companies that gather credit information including Experian. Normally that should have been a simple process, however when I attempted to place a block via their website the company directed me to set up an account and charged my credit card for nearly {$30.00}. When I realized what had happened I cancelled the unsought " membership '' and as a result I received the following message on XX/XX/2017 : " Unfortunately, your Experian credit file has been automatically unlocked. 
Our CreditLock feature is currently available to upgraded members only. Because you chose to cancel your upgraded membership, you are no longer eligible for this benefit. 

If youd like to take advantage of the CreditLock feature once again, you can simply upgrade to have all the benefits you had before. 
Upgrade now '' The message above seems to me like an attempt to extort a monthly fee for a service which I did not request. All I want to do is to lock our credit accounts, but I am not certain how to accomplish this without incurring additional charges. 

Is it possible to pass legislation/regulation to control this type of consumer abuse? 

Kind regards - 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 explanation
Consumer complaint received 2016-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
on XX/XX/XXXX I 'd had call over the phone to apply for a capital one credit card on the salesperson had mentioned that I 'll be all getting a 15 month no APR on the fix rate .my surprise on XX/XX/XXXX I noticed a charge of {$76.00} in my account just on APR. I have a call Capital one to find out what was the charge sales person on the phone stating that it was my APR charges starting on XX/XX/XXXX which I never got a notice on the mail stating that my APR will be changed to 23.99 % Capital one never provide me with the notice of this charge being applied to my account at least 45 days .I think that 's against the law provide The consumer notice before the rate is change.

Company response to consumer: Closed with monetary relief