BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 2 issues against 2 lenders. 
First one is XXXX XXXX. I sent in more than was required For My Minimum Paynent and instructed them in writing as to how I wanted the excess funds to be applied. They repeatedly failed to follow my instructions. 

Second complaint is against Naviant. When my loan was transferred to Naviant, they set my payment amount to the rate I had been paying, which was significantly higher than what my minimum payment amount was with XXXX XXXX. We wanted to pay my loans off faster and have been able too, but would like to have the option of the lower amount. ( Original payment was around {$500.00} and new one is around {$900.00}. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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 object to the failure of Equifax to protect my personal information, which was by the company 's own admission likely compromised by the hack into its system earlier this week ( Week of XXXX XXXX, 2017 ). While the company has attempted to fix this problem, no fix is possible when a credit reporting firm that is singularly capable of exposing me to the most significant ID theft ca n't protect its own data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
I'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX  # XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-03-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Other

Complaint:
There were fraudulent transactions on my credit card for which I promptly notified XXXX XXXX. They cancelled the current card and sent out a new one. In the mean time they purported to open a fraud investigation about the charges. However after 3 calls and waiting 30 days, the charge is still on my credit card in addition to a fee for foreign transaction fee levied by XXXX XXXX. Over the course of those 3 calls they assured me it would be removed in 30 days, but we 're still waiting and I refuse to pay the bill with fraudulent charges on the statement. They could have easily put the charge in disputed status so it neither affected my balance nor was added to my statement, but the refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: GA
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:
Equifax ; XXXX  and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2022 I requested a balance transfer involving Citizens Bank. On XX/XX/2022, Citizens approved my request for a balance transfer but unfortunately sent the funds to an account that does not belong to me. On XX/XX/2022, I informed Citizens that a mistake had been made and that money had been transferred to an account that does not belong to me. During that call I was informed that the issue would be resolved in 3 to 5 business days. Despite numerous phone calls to Citizens, the issue has not been resolved. In late XX/XX/2022, I received a bill from Citizens informing me that I owed the bank the money that I had requested in the balance transfer. I reached out to Citizens on multiple occasions concerning this matter, and, to date, the transfer of funds never reached me. I am disputing that Citizens is requesting payments for money that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are wrong items in my report Co urt US BKPT CT  NJ  XXXX  - #  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 2015-06-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX XXXX threatened to garnish my wages when I offered a {$5.00} payment outside of the rehab program I had been deceived by XXXX XXXX XXXX into accepting ( though I never signed their papers ) In XXXX XXXX, I agreed in principle XXXX, who convinced me by saying they would backdate it to start a year ago ( since I had already been making the $ XXXX/month payments, saying that I could 've even done it at $ XXXX/month with my income and expenses. However, each time they sent the paperwork it never showed the backdate, so I never signed it or returned it. Another problem with the XXXX is they were no longer willing to set up my payments with my pay schedule from work, but insisted on the same day each month. He initially placed it too early in month, but did later say fixed it till end of month, but they would n't accept future payments when I attempted to make them. 
Going back to XXXX XXXX, XXXX, when I got on phone with XXXX XXXX, it was my XXXX call in to the number XXXX provided back in XXXX. Now, XXXX told me that it was n't the correct department, hence my issues getting through earlier. On top of that, like I wrote earlier, he threatened garnishment on me. This is the XXXX time they threatened garnishment outsuide of their company policies and DOE regulations. I am trying to make payments, but this company continues to harass me and cause me undue mental anguish in trying to resolve these accounts. 
( A little background here, these loans were less than half their current balance when I was in hardship deferral after college and was arrested in XXXX, sent to prison in XXXX. I feel that they are unjustly higher based on circumstances outside my control as no one advised me I had to renew the deferral annually and I did n't get mail until XXXX in prison when they were already in default. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
I purchased a used vehicle in XXXX. I financed it with Santander. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and Santander continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and Santander doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because Santander is reporting far beyond the 7 year reporting time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: LDF Holdings, LLC
State: OK
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a bank statement in the mail for an account I have n't used in over 3 years. I did not apply for any payday loan. had no idea that bank account was still open. 

How could they have done that? I did not agree to anything did not sin anything. I want that money reversed and given back! 

It was an ACH from Radiant Cash on XXXX/XXXX/16 for {$500.00}. 

Please help with this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Was not notified of investigation status or results

Complaint:
I submitted a FTC dispute letter and proof of identity to XXXX Equifax and XXXX on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX  XXXX  {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} XXXX DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for XXXX and XXXX and via fax for Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CCF Intermediate Holdings 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:
On XX/XX/2022 I had a inquiry to come on my XXXX account that I have any knowledge of. The inquiry comes from a company called cash central. I reached out to the company and they could not find my info anywhere in their system. I have never tried to take a loan out with them and do not have any open installments with them. Someone has accessed my info and tried to take a loan out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: KY
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:
My father has fraudulently filed for bankruptcy under my social security number in a different state. Experian claims that they " verified '' that the bankruptcy is mine after multiple disputes and sending  proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies. Experian is in multiple violations of the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has an account that was put in my without my consent so someone stole my identity, I’ve gone to the police, filed a report, I did everything XXXX XXXX wanted to prove to them I did not set up or reside at the address where services were fraudulently used. XXXX XXXX has agreed to remove the balance and account yet the company that bought the debt won’t stop reporting it to the credit bureaus! Stevens business services out of XXXX MA is still reporting to the credit agencies and even tho I’ve disputed it they’ve said they won’t stop until it’s paid! XXXX XXXX the original owner of this debt agrees that it’s not mine so why is this company still reporting it? I don’t know what else to do! I’ve done what I’ve needed worked with police the company itself and the 3 major credit reporting companies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted a FTC dispute letter and proof of identity to Experian XXXX and XXXX on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX  XXXX  {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} , DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for XXXX and Experian and via fax for 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 2019-12-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my house and my credit union sent Navient a check on XX/XX/19via 2 day mail for $XXXX which would pay off my student loans #1-5. (I have another loan I just opened on XX/XX/19 - #6, but this was NOT being paid off).  My bank did not ask me for address to send it to & they sent the pymt to the address on my credit bureau.  I contacted Navient around XX/XX/XXXX or so and was told ck was rec'd on XX/XX/19 and they had to figure out which acct. it went to, which they figured it out on XX/XX/XXXX, and that it would take 7-10 days to post to the acct.  I asked if add'l interest would be charged and was told "no", it stops as of the date ck rec'd. I have called back on numerous occasions (9 times as of today) and been consistently told IF interest was charged, it would be rolled back to date ck rec'd.  To date, they STILL have not fixed my acct. to show loan #3 being paid off (they misapplied it to loan #6, which is in grace period because I'm in school), and the people I s/w today said interest was charged on all accts. up through XX/XX/19, the day the pymt's posted!!!  I told them that I have been reassured by every single person I've s/w the other times I called that interest was rolled back to the day ck was rec'd -- and now I'm being told it's not.  My bank would have stopped pymt on the ck when I was originally told it was received and overnighted to their physical location another check way back the first time I s/w somebody, but they assured me that interest would not be charged!!! The woman I s/w today (Supervisor, XXXX XXXX) said they can't do that because interest is charged up to the date the money goes to the Dept. of Education, which shows it was posted on XX/XX/19; that she's sorry that other people had told me different!  Her being sorry does not get the $XXXX in interest back like I was told the other 8 times I called -- AND, as I stated, this could have been prevented by stopping pymt on the ck and it being reissued, but I was reassured that add'l interest would not be charged. Some of the other calls I DID s/w supervisors, who did reassure me that no interest would be charged -- yet it was charged up through XX/XX/19, even though ck was received on XX/XX/19!!!

Company response to consumer: Closed with explanation