BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient had XXXX XXXX XXXX XXXX call me to collect an offer amount to close out my account. It was a total of XXXX and I paid it off on XX/XX/XXXX. 
I got an email stating I owed this again from XXXX XXXX XXXX. I paid it on Monday XX/XX/XXXX. Not realizing it was the same loan from Navient. So I was directed to call Navient to get this resolved. They asked for the reciepts. I emailed it to them and I still haven't heard from them. I called yesterday for the 3rd time to ask what is taking so lokng and XXXX said that they are backed up and there is no eta as to when this would be resolved. So now I have a maxed out credit card against my credit report for no reason. Clearly someone from Navient dropped the ball because XXXX shows my account closed with no issues. 
Thanks in advance for any help I can get on this matter. : )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had spoken with XXXX ( XXXX XXXX ) today. Their reason for not honoring my fraud dispute with police report, fraud affidavit, etc. was not sufficient enough. As a result, I settled the account to get it off my credit report. This dispute has gone on long enough. Im ready to put this behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX MOHELA customer service keeps hanging the phone up after being on hold. They have the phones turned off due to high call volume at XXXX when they open. They are not answering questions when they are emailed and only say vague information to direct questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCOUNT # XXXX XXXX # XXXX I was in a collision very shortly after leasing the XXXX XXXX, which was ruled a total loss. My auto insurance carrier XXXX, sent paymentXXXX for {$28000.00}, and there was still a balance of approx. $ XXXX that the GAP coverage was supposed to cover. 
I called XXXX over a dozen times and was told by every single representative that I do not have to make payments even though your website was still indicating that I had payments due, late, upcoming, etc. The XXXX XXXX XXXX would continuously tell me they were waiting for my GAP coverage payment to be sent from the dealership then I finally got the dealership to help me and they determined that was incorrect because it was a lease that the GAP coverage was to come from the leasing company. 
All I know is I was told on every phone call that should be recorded not required to make payments other than my {$500.00} insurance deductible, which I did. Today my XXXX XXXX dropped XXXX points in one day because the credit bureaus were reported to by XXXX that I am late payments. The credit and payment were all supposed to be " Suppressed '' as per XXXX XXXX XXXX. 
PLEASE IMMEDIATELY FIX THIS! I DO NOT OWE XXXX ANY MORE MONEY, AND ALSO MY CREDIT MUST BE UPDATED AND FIXED SO THAT IT REFLECTS I HAVE NEVER MISSED A PAYMENT. ALSO, CLOSE THIS ACCOUNT PERMANENTLY, FINALLY. My credit is very important at this very moment for my student loans are contingent upon them right now.

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 2022-10-15
Company: On Q Financial
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XX/XX/XXXX, I started the process with OnQ financial for a construction loan with a new home mortgage per the referral of the home builder. Throughout the entire process, XXXX  was extremely difficult and rude to work with and pulled my credit more times than necessary and dragging out the process which negatively affected my credit score. Credit score was over XXXX and less than a year later was down to XXXX. Consequently, this then disqualified me as an excellent candidate and affected which loans I was approved for as well as a higher interest rate. Hard credit pulls each time, not soft as their communication stated. In addition, now that the construction is in process, each month there is incorrect information provided as far as the loan information such as an interest rate of 33 % when it should have been 6.5 %, sending the invoices to an address that I do not live at, not sending on time thereby causing a late fee, etc. Furthermore, my partner had the same house, same loan, started same time, etc but they treated him differently than myself and he closed 2 months earlier than I did since they continued to drag my process out. They also charged him a lower fee for an appraisal. 
Hard Credit pulls occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I finally signed loan docs and started the payments on XX/XX/XXXX, a full year later, when the builder had all my documents and contracts signed back in XX/XX/XXXX. XXXX XXXX was playing a game with me and my credit history and made so many errors it went into full underwriting for a simple loan for a customer with a small financial portfolio. She wasted my time and required the same documents multiple times. When I finally signed, the package was also incorrect information and documents. Frustrating process and more difficult than necessary due to her lack of ineptitude. Despite multiple complaints to the builder and financial institution, she was not replaced nor has received any adverse affects to herself and her position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NC
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 is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XX/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 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I complained that I was treated unfair after completing a hardship payment plan. Which ended in XX/XX/2023 I made my XXXX payment to keep from getting a collection call and I keep my account current. 
They said I owed XXXX still for XXXX when I was told I would be in good shape after the Hardship payments ended. I do not call paying the XXXX and XXXX for XXXX in good shape. 
I just wanted a XXXX late fee for XXXX refunded which they refused. 
It is no wonder Walmart is suing them to end their contract with them because of poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My bank, sent an approved loan check of {$3600.00} on XX/XX/22 to fulfil the remaining balance owed to XXXX XXXX to close my account permanently. XXXX XXXX 's affiliated financial banking institution have claimed to me that they have not received the check. Both financial institution associated with XXXX XXXX, XXXX and Synchrony Bank have said they have no record of the check. However my bank has confirmed the check was received and deposited. 
I have since followed up with copies of the check and letters from my bank sent via mail and faxes confirming all information and still have not gotten my account balance resolved/closed.

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 2023-12-02
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was recently stolen and used for a slew of unauthorized transactions. They started on XX/XX/XXXX and ended on XX/XX/XXXX. It started with a transaction from automotix for {$1000.00} and ended with a purchase from footlocker for {$140.00}. There were multiple atm withdrawals for different amounts and a couple of online purchases. Every transaction posted from XX/XX/XXXX until XX/XX/XXXX was not me and was unauthorized. I called in a timely matter on XX/XX/XXXX as soon as I noticed the unauthorized activity Im guessing it took some time for some transactions to post. The total amount lost was {$7500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NY
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: Problem with product or service terms changing

Complaint:
My home was acquired from XXXX XXXX XXXX XXXX and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX which happens to be fraud and commercial mischief along with others very unfair to a 100 % XXXX veteran with XXXX  young children.

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 2023-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX. After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem to Equifax Credit Information Services LLC to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Equifax. 
The unauthorized account in question is included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with this account. In light of the seriousness of this matter, I kindly request that Equifax initiate an immediate deletion into this fraudulent account. It is crucial to ensure that the inaccuracy resulting from this identity theft is promptly removed from my credit report. 

The account in question is : XXXX XXXX XXXX  XXXX -- XXXX Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 

2. A copy of the FTC Affidavit detailing the identity theft incident. 

I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting 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 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 Commission and I also have enclosed copies of the Federal Trade Commissions 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 explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 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 Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
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:
It has recently come to my attention that the XXXX, & the XXXX, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXXXXXX XXXX '', which is the all caps version of my XXXX name which is in fact a XXXX previnusly associated with a " public office '' in the United States XXXX  by virtue of the Social Security XXXX attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT XXXX TO HONOR XXXX GIVEN RIGHTS {$20000.00} XXXX {$5000.00} XXXX HONOR/NO BOND {$5000.00} XXXX XXXX XXXX ADDRESS {$5000.00} XXXX TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR XXXX {$50000.00} XXXX TO PRESENT A INJURED PARTY {$100000.00} XXXX PER OCCURRENCE AND INCLUDES ANY XXXX PARTY {>= $1,000,000} XXXX IN COMMERCE PER OCCURRENCE AND INCLUDES XXXX PARTY DEFENDANT {>= $1,000,000} XXXX EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, XXXX ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} SHARING CREDIT HISTORY WITHOUT WRITTEN CONSENT : UNLAWFUL SEARCH WITHOUT A XXXX AMENDMENT WARRANT. VIOLATION OF THE XXXX AMENDMENT RIGHT TO PRIVACY ; ESPECIALLY OF PAPERS!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Early Warning Services, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was trying to cancel a transfer, so after that I called Zelle customer service using the number I got from XXXX, but it was a scam number. He asked me to download a app that would allow him to see my screen, then he opened the XXXX XXXX program, and then after that he asked me to buy XXXX. I wondered why I should buy when I wanted my money back. After that, when he asked me to send the XXXX that I bought, I realized that he was a scammer and ended the call, but while he saw my screenshot, he saw my social security and he saw my green card. 
It was XXXX dollar Date XXXX XXXX This is the scamm number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting 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 recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX XXXX and the Account number is XXXX with a Balance of {$990.00}. This should not still be showing up on my credit report. This account was open XX/XX/2015 and the account was settled. This account is way past the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you 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 2022-09-12
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022, I submitted several complaints : XXXX with Experian ; XXXX with XXXX and XXXX with Experian. It has been over the 30 days allotted time that the FCRA gives to complete an investigation. 

All 3 of the mentioned consumer reporting agencies have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). And have violated my privacy based on 15 U.S. Code 680XXXX.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I received a letter from the court that Transunion claimed they verified a XXXX  XXXX bankruptcy Reference Number ( XXXX ) reporting on my credit profile. The court stated that they do not report information to credit reporting agencies and XXXX  XXXX. They also stated that they do not verify information with credit reporting agencies. I have sent Transunion documentation that they ask for to remove this public record. but it has been removed or 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 non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report and I was shocked to learn that I had this account on my credit report that was not open by me. This has hurt me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation