BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been a member of the United States XXXX XXXX since XXXX in both an XXXX XXXX and XXXX XXXX XXXX. I have been a XXXX  employee, without a break in service, since XXXX of XXXX. After passage of the public service loan forgiveness act, I contacted my loan servicer, Navient, and was informed that if I continued my federal government service and made payments on my student loans for 10 years, I would qualify for the loan forgiveness program. After 10 years of on-time payments and a continued 10 years of XXXX XXXX  employment, I contacted Navient again in XXXX to see what I needed to do to apply for the program and was then informed that I did not have qualifying loans and would need to consolidate my loans and make additional payments for 10 years, with overlapping qualified public service, in order to be eligible. If I had been given this information when I originally called Navient in the XXXX timeframe, I would have consolidated my loans at that time. Navient has failed to carry out both the spirit and the letter of the public service loan forgiveness act by failing to provide any accurate information to me about my loans since I inquired after passage and implementation of the legislation. At a minimum, they should have given me accurate information when I contacted them. After failing to do so, they should have contacted me by letter or email to inform me that my loans did not qualify after I initially reached out to them and was given the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-04-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/XXXX I reported a {$280.00} airline ticket fraud on my Citicard ending XXXX. It was reversed and new card ending XXXX was issued. Within 1 week there was a second XX/XX/2017 fraud charge on card ending XXXX, for XXXX XXXX TN in the amount of {$350.00}. I reported the XXXX XXXX fraud and was told it would be reversed and I did n't need a new card. It was not reversed. I called. 2d time and was again told it would be reversed. I viewed my on line account on XX/XX/XXXX and learned that the {$350.00} XXXX XXXX fraud charge had not been reversed. Instead, Citi had submitted a dispute for a XX/XX/XXXX charge of {$300.00} to XXXX XXXX XXXX, a valid charge. Seemingly Citi confused the {$350.00} XXXX XXXX fraud charge with the valid {$300.00} XXXX XXXX charge because both were XXXX. I spent an hour on the phone with 3 Citi agents to reverse the fraud charge and assure the valid charge was not disputed. Today XX/XX/XXXX I received a form letter in which Citi indicated the incorrect dispute was my fault, and referencing credit reporting agencies. This was entirely Citis mistake. Citi has potentially caused my XXXX XXXX reservation to be cancelled. Citi has not given the actual facts as they occurred any real attention, and has yet to reverse the XXXX XXXX fraud charge. I would like someone from Citi to fix XXXX mistake. I would like an actual response that is not a form letter. I would like an apology. I would like verification that Citi has not caused XXXX XXXX to cancel my reservation. I would like Citi to reverse the XXXX XXXX fraud charge.

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 2017-04-14
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have made several attempts since XX/XX/2016 to correct my student loan balances with Nelnet Student Loan Services. Nelnet is insisting that I owe a balance of {$84000.00} in student loans but is unable to confirm to me where the total balance accurred from. I have went to each University in which I attended, obtained the account summary that shows all the loans taken out during my enrollment, and provide the information to Nelnet. The true amount of of loans taken out excluding any interest is only {$42000.00}. Even with that proof, Nelnet is insisting that I have over $ 80k in student loans without any proof. Nelnet has reported this balance to my credit report several times which is impacting my credit score but has failed to correct my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: NY
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:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation on the following account has passed. 
XXXX XXXX XXXX Account # : 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 2022-04-30
Company: EQUIFAX, INC.
State: KY
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 Account XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-03-03
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call for a " XXXX XXXX. '' This number left a message on my phone for the incorrect person. I called the company back and it was for BBT debt collector. I do not have a BBT account.

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 2020-05-01
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. XXXX  is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Bread Financial Holdings, Inc.
State: RI
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 filed a police report on behalf of all the charges made on my credit : XXXX/COMENITY/FOREVER 21 Account number XXXX Account charged off. {$310.00} written off. {$100.00} past due as of XXXX XXXX. 

Account name XXXX Account number XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX Account charged off. {$910.00} written off. {$910.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX XXXX $ I have tried to dispute these in the past but it seems that I need a police report and to file identity theft in order to get this take care off. It sucks when someone uses your credit before you get the chance to start your life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: HW Holding, 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: Account status incorrect

Complaint:
A settlement was made to HUNTER WARFIELD for XXXX   XXXX apartment account ... the account was paid off on XX/XX/2019. It is still showing as open and needing attention.. I need the company to report the account as a settlement and paid off or closed due to settlement paid in full.

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 2021-12-14
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-14
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was paid off by my employer 's insurance company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Essential Lending Inc
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My name is XXXX XXXX and I live in XXXX, Delaware. Im currently on Social Security XXXX Benefits and I came across WiseLoans online in order to borrow some money until my next pay period. 

I was not made aware of the astronomical percentage rate for this loan which is 748.59 % APR. I only receive $ XXXX social security XXXX benefits and I have many other bills and expenses to cover every month. 

I feel that I was strongly taken advantage of by WiseLoans who did not present a clear loan agreement until AFTER I had signed all of the documentation. This is a textbook example of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I faxed in an FTC report, copy of ID, social security card and proof of address to Experian as well as a letter advising them of fraudulent accounts being reported on my credit. I clearly stated that the XXXX XXXX XXXX account was fraudulent and asked that they block the information pursuant to section 605B of the FCRA. They have not. They have responded that this account was verified. This was faxed in XX/XX/XXXX and a hard copy was mailed on XX/XX/XXXX. This account should have been blocked within 4 days of receipt and Experian is in clear violation of my rights. Also, be advised that XXXX  has DELETED the account so how is it possible that Experian has verified it and how can something that is clearly fraudulent be verified?

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 2021-12-14
Company: Experian Information Solutions Inc.
State: SC
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:
Want to file complaint against Experian, XXXX and XXXX. These companies are not complying with their own policies in a timely manner. All 3 companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also XXXX was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXXparticularly during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} No Name Collection Account Acct : # XXXX listed duplicate Inquiries from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX XXXX XXXX as a Charge off as bad debt Late payments XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The account reported to my credit report needs to be validated. I have no knowledge of this account. I am requesting full validations. 
Not the seeming verification process. I do not understand how and why this was reported. requesting how the information was submitted.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover bank approved me for a secured credit card with an opening deposit of {$2000.00}. After the opening deposit was paid I was sent an email from discover bank stating they cant open my account until I authorize them to review my tax statements. I did not feel comfortable with this company reviewing my tax statements so I called on XX/XX/XXXX and requested my security deposit be returned. The gentleman stated that the account would be closed as I had not received a card and my security deposit would be returning in the next 10 business days. 4 other times during the month of XXXX I contacted Discover bank inquiring about my security deposit and each representative stated that it had been mailed out. On XX/XX/2021 I spoke with a supervisor XXXX out of Ohio that advised me that even though the account was closed and the card had never been activated the security deposit was never processed to be returned. She then proceeded to say it wasnt her fault and all she could tell me is it will take 3 days for her supervisor to review it then another 10 days before I would get a check mailed to me. I advised her that I have given discover bank over 30 days and that I needed an answer as to when my money would be return. XXXX then told me there is nothing else she can tell me and after I requested to be transferred to someone who can help me she hung up the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: NY
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:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation on the following account has passed. 
XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation on the following account has passed. 
XXXX XXXX XXXX Account # : 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 2017-04-14
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX, I saw an entry on my credit report from XXXX XXXX XXXX for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last XXXX of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to Texas Finance Code what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, XXXX XXXX sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to XXXX in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with XXXX. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with XXXX XXXX and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all three bureaus immediately and all collection attempts ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: DE
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX - Balance - {$7900.00} DEPT OF EDUCATION/XXXXXXXX-Balance- Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXXBalance - Date opened XX/XX/XXXX DEPT OF EDXXXXBalance - Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance - Date opened XX/XX/XXXXXX/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 2022-04-30
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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