BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out a {$6000.00} loan with a 10.5 % interest rate in XX/XX/XXXX. Repayment began XX/XX/XXXX after graduating. To date Ive paid Navient {$7000.00}. They are constantly calling myself and my elderly father, who co-signed for me, as they state I owe another {$6400.00} as of XX/XX/XXXX. My account shows that Ive been charged {$7700.00} in interest since the loan was disbursed. So thats {$6000.00} for the principal & another {$7700.00} in interest for a total of {$13000.00}. I dont understand how a 10.5 % interest rate on {$6000.00} equals almost {$14000.00}. Do I have any recourse here to get them to stop calling or get them to close the loan as paid-in-full?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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 regards to the current lawsuit I am a victim of predator lending from credit acceptance. 

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 XXXX Account number XXXX and XXXX 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 15 U.S.C 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 antedates the report by more than seven years.

15 U.S.C. 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 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 2023-02-14
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 status incorrect

Complaint:
I am filing a complaint on my own behalf. I have a few accounts that are showing me 30- 60days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. The late payments I'm referring to are from the following months : XXXX ( XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXXXXXX 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 a account without my written instructions.

15 U.S.C 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 antedates the report by more than seven years.

15 U.S.C 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NY
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 filed Disputes with Experian on XX/XX/2022 and XX/XX/2022, and today XXXX. That an account in collections had fraudently been added the my credit report. 

The account has a balance for {$2700.00}. The account is a collections account from XXXX XXXX XXXX. I have never been a customer of XXXX 

Each time Experian has validated this information as correct. I am the victim of fraud. As this account was opened in Georgia, a state I have never been to. I have never spoken to a representative of this 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 a XXXX sister and every so often, her accounts are added to my credit report. Currently, Transunion is the only crediting agency that has placed most if not all my sister 's accounts. They've even placed her name as the primary name on my credit report and my name as an alias. My sister and I have both tried to get this issue resolved, yet we're in a new calendar year and the issue is still there. This is very frustrating and concerning to me as I am in the process of trying to purchase a new car and those items are still on my credit report. There has to be a better process for resolving these issues that don't place me in a position of possible identify theft because they're asking us to again mail a copy of our driver 's license and social security card through the mail as well as only resolving 1 error at a time, which is taking them a very long time to resolve. Transunion is the only crediting agency that has placed all my sister 's debts on my credit. I was able to contact XXXX over the phone to for them to resolve issues such as addresses, phone numbers and SSNs not belonging to me. Not sure why Transunion makes everything so difficult and they're the credit report most places are using - this is difference of mid to low XXXX credit score to being in the XXXX as I have with XXXX and XXXX, who have it right.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I consistently checked my credit report and noticed errors on my report due to false credit reporting. This has sent me into XXXX and I've been deprived of many opportunities because of this. I did not consent to any inquiries and the inquiry is not authorized. Under 15 U.S.C code 1681 i ( 5 ) this account is in violation of not reporting a 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
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. 
Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX & XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX XXXX Account Number Account Name XXXX XXXX Account Number XXXX Record Type XXXX  XXXX bankruptcy dismissed Reference Number 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 15 U.S.C 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 antedates the report by more than seven years. 

15 U.S.C. 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 2022-11-10
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

FOR XXXXXX/XX/XXXXXX/XX/XXXX FOR EXPERIAN XX/XX/XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR 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 XX/XX/XXXX FOR TRANSUNION 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.

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 2023-02-10
Company: EQUIFAX, 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:
There are several accounts on my credit report that they are reporting as delinquent when they are no longer delinquent and haven't been for many years which is causing my score to be lower. They are having inaccurate information for the status of the accounts are there are no current accounts are are reporting late or anything. The 3 credit companies need to update my report to show accurate information that no account is currently delinquent or behind on payments. Below are not true or accurate at all. They are in violation of federal law and are refusing to help me. 


XXXX - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN XXXX - TOO MANY INQUIRIES LAST 12 MONTHS XXXX CLASSIC ( XXXX ) - XXXX XXXX XXXX XXXX XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY XXXX - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS XXXX - TOO MANY INQUIRIES LAST 12 MONTHS FA - INQUIRIES IMPACTED THE CREDIT SCORE XXXX, XXXX XXXX XXXX. XXXX ) - XXXX XXXX XXXX - XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED 18 - NUMBER OF ACCOUNTS WITH DELINQUENCY 14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my Citi checking account was frozen, without any communication. I learned of this account freeze, when my debit card was declined at the grocery store. I contacted CITI bank Monday, XX/XX/XXXX to better understand the situation. I was told my account was frozen for XXXX hours while the fraud team investigated. I then contacted Citi bank the following day ( XX/XX/XXXX ) and was told to wait an additional XXXX hours. On XX/XX/XXXX, I once again contacted Citi bank, and was told I must wait until XXXX EST, as the fraud team still had until then to make notes. I called back and still my account is frozen. Furthermore, a transaction that I made was reversed, causing further complications with another banking institution. At time of writing this complaint, my account is still frozen and there has been zero updates. Please help.

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 2023-02-16
Company: EQUIFAX, INC.
State: NC
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:
While attempting to review my free credit reports in XX/XX/2022, I was unable to receive my Equifax report through XXXX ; I received the shown error message. Life ... got in the way, so while I continued checking every few weeks since then, it was always during a time when the call center was closed, and I always received this message. 

I was finally able to call during their hours today, and it was a horrific experience, to say the least. The person on the phone, XXXX, was incredibly rude and condescending. He repeated himself constantly, often interrupting me, that the annual credit report website being broken is not their fault and I must create an account on the Equifax website in order to access my report. 

When I shared that the website functioned just fine for my other two reports but presented the shown error message for only Equifax, I was told that, again, it's their fault, and I need an account. I stated that I was entitled to a report without making an account through their website, and he said there was nothing they could do about it. He recommended I try again later but implied I didn't have the patience to wait ( to which I responded that I've been trying for months ). 

He FINALLY asked me for my information after 15 minutes of this and then stated that no, my account is fine, not locked or anything. I asked him to then escalate the issue to the tech team, since it must not just be me, it must be their whole system. He refused. I stated that if he would not escalate the issue himself, I would like to be connected with someone who did. 

He refused my request to transfer me multiple times. When I finally did get transferred, I let the supervisor, XXXX, know that I would be reporting this issue to the CFPB. She stated that I should do that because they have no control over the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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 discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2XXXX 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 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 2023-02-17
Company: SANTANDER HOLDINGS USA, 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:
This request is about information that is reported on my personal credit report from the credit bureaus listed above. I am formally disputing this account and I am requesting validation of this account. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. 
SANTANDER CONSUMER U XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation