BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: Navient Solutions, LLC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have XXXX federal loans with Navient. I was under the impression that my student loans were in forbearance, however my repayment status changed without my knowing and they reported 90 days late to the credit bureaus. I called immediately and had them placed in forbearance but they would not remove the lateness from my account. It dropped my credit scores significantly and I have worked extremely hard to establish good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''

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 2023-10-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding an Ann Taylor card by Comenity. Customer service by both was awful. I thought I had paid off my card before going to XXXX XX/XX/XXXX to XX/XX/XXXX. I saw around XX/XX/XXXX that I had to pay XXXX. I paid to my XXXX checking account I am a Private Client and have XXXX in the account. Ann Taylor/Comenity claim the funds were not there. Another time a rep of XXXX said there is no account. There is a chance I typed in a wrong number. My SIM card had changed. Maybe XXXX thought it was fraud as my computer must have shown to be in another country. But I paid other accounts with no problem and did not receive a fraud email. I received a {$25.00} fee that the transaction was rejected, XXXX XXXXXXXX interest on this, another {$25.00} fee on the previous fee and maybe {$1.00} on interest. {$54.00}! for XXXX allegedly not paid. I paid it off in XXXX when I returned and finally closed the card after several attempts to get my money back. 
XXXX HAS NO RECORD OF ANY XXXX TRYING TO GO THROUGH. I think these are bogus charges. They know nothing about customer service as XXXX does, which is the XXXX  XXXX USA bank. Ann Taylor stores close and they don't care if they lose a customer. There is no way XXXX was not in the account. Why charge so much for some glitch or something on purpose they do to steal money. I will not go to a collection agency over this. Please regulate Comenity ( of Bread Financial ) and see if others have the same complaint. I am sure they do!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-06
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX Randolph Federal Credit Union Bank XXXXXXXX XXXX XXXX XXXX texas XXXX Subject : Formal Complaint Regarding Refusal to Close Account and Withhold Funds Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the services provided by Randolph Federal Credit Union Bank . Despite my numerous attempts to close my account and retrieve my funds, I have faced significant obstacles and delays, with no satisfactory explanation provided.

I have been a loyal customer of Randolph Federal Credit Union Bank for over three years, and during this time, I have encountered numerous instances of poor customer service and a lack of responsiveness. However, the current issue represents the pinnacle of my dissatisfaction with your institution. 

To provide some context, I requested the closure of my account on XX/XX/2020, and since then, I have been met with nothing but resistance and obfuscation. I have provided all the necessary documents and fulfilled all the requirements set forth by your bank to facilitate the account closure process. Despite this, my account remains active and my funds have not been released to me. 

Furthermore, I am deeply troubled by the fact that you have withheld a check in my account for an extended period without any valid explanation. This blatant disregard for my rights as an account holder is not only unethical but also potentially illegal. 

As a consumer, I have the right to close my account and access my funds in a timely manner. The extended delay in processing my request and the failure to provide any substantive explanation for these delays is unacceptable. I urge you to rectify this situation immediately and take the following actions : 1. Close my account promptly and without any further obstacles or delays.

2. Release all funds held in my account without any deductions or fees.

3. Provide a written explanation for the unreasonable delay in processing my request and withholding my funds.

4. Offer compensation for the inconvenience, stress, and financial losses I have endured as a result of your bank 's actions. 

Please note that if this matter is not resolved within a reasonable timeframe ( I suggest no more than 10 business days from the date of this letter ), I will be left with no choice but to escalate this complaint to the appropriate banking regulatory authorities and seek legal recourse to ensure the protection of my rights as a consumer. 

I expect a prompt and satisfactory resolution to this matter. I hope that we can resolve this dispute amicably and restore my faith in the services provided by your institution. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify this situation promptly. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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 HAVE BEEN DEALING WITH THIS ISSUE SINCE XXXX OF XXXX  AND THIS ISSUE HAS STILL NOT BEEN RESOLVED. THE ACCOUNTS THAT ARE REPORTING ON MY CREDIT FILE DO NOT BELONG TO ME AT ALL AND MUST BE REMOVED ASAP BECAUS EYOU ALL ARE BREAKING THE LAW! PER 15 USC 1681B YOU CAN NOT FURNISH FALSE INFORMATION ESPECIALLY IF THE INFORMATION IS INCORRECT. I NEED THOSE ACCOUNTS GONE I DID NOT AUTHORIZE THOSE. THET WERE THE CASE OF IDENTITY THEFT/FRAUD..

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 2023-03-05
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX I noticed XXXX charges on my account that I didn't make. The date of the transactions were XX/XX/XXXX. XXXX charge was for {$52.00} and the other charge was for {$9.00} from a company called XXXX. I called my credit card company, Fortiva and informed them that I did not make those charges. On XX/XX/XXXX they credited me back for both of the charges. Then on XX/XX/XXXX they put the charges back on my account. I called Fortiva and asked them why they put the charges back and was told the after their investigation they found I'm responsible for these charges. They wouldn't give me any further information about their investigation and stated I would receive an explanation in the mail. I called Fortiva 7 times to see why I haven't received the investigation letter in the mail. After months of waiting, my XXXX call I spoke with a representative the under and spoke XXXX and he finally had the letter sent out to me. The letter that I received didn't have much information. Not even a phone number from the place where these charges were made. There was a website listed on the letter and I got the phone number from the website. The person at this company also could barely speak XXXX. When I asked her to tell me what it was that I supposedly purchased, she stated that should couldn't find any information on a purchase because it was a year ago. This supposed purchase was in XX/XX/XXXX. After much frustration, I called Fortiva back and let them know that I contacted the company and they didn't have any information about these charges. The representative at Fortiva was not helpful at all and insisted that since they had my address, phone number and email address, these charges are legit. This is not a whole lot of money but it's the principle of the matter. I have no problem with paying for something that I purchased but I am not willing to be wrongfully billed for charges I did not make. I hope that you can help me with the situation. I would really appreciate it. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
On XX/XX/XXXX I submitted a request for validation and debt dispute from XXXX XXXX XXXX. I have XXXX  over speaking to people on the phone and I decided to use the chat feature on and I found myself talking to a Customer Service Agent who refused to acknowledge my request or document it on my account. ( Chat Transcript attached ). The company responded on XXXX. However their response was incomplete. I am attaching the company 's response and also all of the information that was missing which I provided in the feedback section of the XXXX XXXX. The company did not respond to my additional requests for information. Most importantly they did not provide information from the original creditor. They did not provide documentation that there is a valid basis for claiming that I am required to pay the current creditor. THere is no copy of the written and signed agreement that created my original requirement to pay. There is a whole list of information for which they did not provide answers to in their original response. I requested the feedback on XX/XX/XXXX. Today is the XXXX day since my request and I have not received any information on my additional requests. Since the time has passes without a response I am requesting that this collection be removed from my credit report and stop hurting my credit. 

I am also attaching a letter from XXXX  XXXX acknowledging that they sold the account to XXXX XXXX XXXX in XXXX XXXX, CA in XXXX. In the letter they also acknowledge they no longer have the written agreement for this account nor information about the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I noticed my credit report had dropped from XXXX to XXXX I pulled my XXXX report and noticed a credit card was opened that I was not aware of. I call Chase at that moment and reported it to be fraudulent. I filled a policy report and reported it to all three Credit bureaus. 
I then busted the XXXX, XXXX branch on XX/XX/XXXX and met with XXXX XXXX XXXX ID : XXXX provide him with my drivers license, Social Security card, passport, XXXX for the last XXXX years, birth certificate and utility bills showing my identity. The branch representative told me to fill out a Identity Theft Declaration of Claimant form and list all the account and cards that I did not open and provide a copy of my policy report. 
I faxed all the documents requested to XXXX on XX/XX/XXXX at XXXX. I then mailed everything I had faxed to JPMORGAN Chase Bank XXXX XXXX Department Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

On XX/XX/XXXX I received a letter from Chase stating Quote : We confirmed that you didnt open this account date of XXXX XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX asking for payment for the credit card. I explain to them that is credit card was open fraudulent that I did not open this credit card and I didnt know why it hadnt been closed already. I was told someone was going to look into it and call me back. 

On XX/XX/XXXX I call Chase Credit card XXXX department asking for a status. I was told that there was no status because someone went into the XXXX, XXXX  XXXX and showed a ID showing that it was me who opened the account. I again explained that it wasnt me and if anything was present it was fraudulent. I asked to speak to a XXXX, I was passed to XXXX Account Supervisor and she asked me to email her everything I had faxed over back on XX/XX/XXXX. So I emailed her the letter I received from Chase stating that I didnt not open this account, The identity theft declaration, policy report and my drivers license. All was faxed to XXXX. XXXX confirm she received the email and that I should be here back from someone in XXXX business days. 

The amount of stress and emotional distress has caused me is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was defective. Shortly after purchase the transmission blew out. I returned the vehicle where it was purchased and it has since been sold at auction and sold for more than the debt owed. This account needs to report a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-11-17
Company: ALLY FINANCIAL INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or delete it completely with any and all credit bureaus to which you are reporting.

A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

Thank you for your time and attention to this matter.

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