BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: UT
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:
Someone opened a credit card with Chase Bank in my husbands name, we only found out about it when we went to apply for a car loan and saw we had a balance of {$18000.00} from chase bank. We have never banked with chase and after this never plan too. We contacted the credit agency, and chase bank and got it resolved, the balance wiped from our credit, and chase bank closed the alleged account and have noted it as fraud. Since then we have been getting calls from a so called chase bank saying we owe a balance on our chase credit card of {$18000.00} and they want our social to confirm and make a plan for payments. A total scam and they call me every day XXXX a day. So sick of these scammers. Their phone they call from is XXXX ( XXXX ) XXXX please get these credit card scammers and stop them from taking peoples identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX/XXXX  XXXX {$830.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXXXXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00}

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 2018-02-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In early Spring XX/XX/XXXX, I was on XXXX XXXX and finishing my last semester of XXXX  school. My degree program was an XXXX XXXX in XXXX XXXX. I am a XXXX and had hoped to go into leadership a few years after my XXXX XXXX. My loans were serviced by XXXX XXXX at the time and eventually the company transitioned to Navient. I had planned to consolidate all of my loans and take part in the Public Service Loan Forgiveness Program. I attempted, with all clarity, to consolidate my loans.Thus, from XX/XX/XXXX to XX/XX/XXXX, I  followed the process and completed paper work as outlined by XXXX XXXX ( Navient ) and tried to fulfill all deadlines as detailed by the company. In XX/XX/XXXX, shortly after the XXXX XXXX XXXX XXXX, I received notice of payment and paid the amount due on what I thought were all of my consolidated loans. In XX/XX/XXXX, I receive a payment a payment invoice of 5-6 times what I paid in XX/XX/XXXX. It was not over {$3000.00} -- far more than I make in a month as a XXXX. I did not understand what had changed? I thought that I had consolidated all of my loans and that amount paid in XX/XX/XXXX was the amount that was due consistently. Unknown to me, My loans were not all consolidated, unfortunately. I had over 30 smaller unconsolidated loans with a few consolidated loans on my account. I experienced XXXX  XXXX and multiple bouts of illness following the XXXX XXXX XXXX XXXX. I had been out of work numerous ( I have forms signed and dated by my XXXX XXXX ). 
It has been multiple years and multiple attempts to have Navient clarify the terms of my loan an assist with my understanding of affordable terms for repayment. I have lost years of being able to use the Public Service Loan Forgiveness Policy. I have incurred multiple derogatory marks on my credit report for loans. I feel that this is unfair and unjust. When I finally received adequate counseling from another source ( XXXX   XXXX XXXX XXXX XXXX ), I was able to understand and navigate the process in XX/XX/XXXX of full loan consolidation and repayment in XX/XX/XXXX. However, Navient played no role in this measure. When I spoke to the Department of Education about my loans in XX/XX/XXXX, I was told that it was very odd to have a few consolidated loans on an account. This has been very harmful for me and my family. Particularly as I have been trying to rebuild after XXXX XXXX. The damage done by Navient in making loan terms confusing and making repayment difficult and untenable have damaged my credit to a detrimental degree. I am requesting assistance and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NC
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
I have made several attempts to resolve this blatant defamation and violation of the FCRA by reporting and continue to accuse me of being responsible for these accounts. 
I have made my final attempt to resolve this fraudulent account by mail in XX/XX/2023 and till this date has not been properly investigated and removed from my credit. 
I spoke with someone at XXXX XXXX 's security dept. in XX/XX/2023 whom indicated that I would be getting a call back with in 48hrs which hasn't happened yet. 

These accounts are fraudulent and reporting on my credit as accurate and I have filed a police report as well, there was a suspect by the name of XXXX XXXX whom defrauded me and was arrested and has already pled guilty and convicted. 

I sent via priority mail the minute order by the courts disposition along with the district attorney 's business card to verify the fraud and my claim. I also sent a copy of the police report by mail which should have properly relieved me from the debt due to identity theft all to which XXXX XXXX has failed to properly investigate. 

This is my final attempt to resolve this debt amicably prior to seeking legal damages for neglect and defamation. 
Attached to this complaint I will be resending the exact same documents that I previously submitted via priority mail and hope that it lands in the hands of someone competent enough to properly investigate this fraudulent charged off debt and have it removed, as I was instructed to do so by the Dept. of Banking and Finance State Bank Regulators and National Association of Attorney General 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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: Investigation took more than 30 days

Complaint:
Today, I filed Complaint # XXXX involving XXXX with Consumer Financial Protection Bureau ( CFPB ). XXXX deemed the complaint quickly as duplicate by end of day. I was submitting Transunions NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.

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 2023-04-11
Company: EQUIFAX, INC.
State: MI
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'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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: Information belongs to someone else

Complaint:
Experian, XXXX  and XXXX  are reporting false information. 

The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX  XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX  XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX  XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX XXXX  XXXX with a XXXX balance.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I contacted and disputed inaccurate personal information dealing with name and address and inaccurate employment and phone number And Experian refuse to remove the inaccurate information. I'm here to sure my identity and my sure it is not miss used

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 2023-04-11
Company: Experian Information Solutions Inc.
State: MO
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:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: UMB FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I currently work for XXXX and they recently changed custodians for the XXXX XXXX XXXX from UMB Bank over to XXXX. I requested my funds be transferred from UMB to XXXX. The funds never arrived to XXXX and they do not see any pending amounts. When I called UMB, they have no record of me ever having an account, they don't see the amount, the request of the transfer and it is all completely missing. I discovered this when I was looking for tax form 5498-SA and UMB bank did not issue it ( as they claim I never held an account here ). Every document shows my account number which UMB claims does not exist. 

I have had the UMB account since XXXX ( have previous years tax documents to show this in form of 5498-SA, 1099-SA and directly on W2 forms. The transfer was requested on XX/XX/XXXX ( documents to show this ). The amount to be transferred was approximately {$9600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed Citi Card case # XXXX for charges by XXXXXXXX XXXX  for services not delivered. I also disputed Citi Card case # XXXX XXXX, XXXX and XXXX for charges by XXXX XXXX XXXX for services not delivered . In all four cases Citi Card has been grossly negligent in investigating claims. 

In a XX/XX/2022 resolution of XXXX XXXX XXXX Complaint Case # XXXX, XXXX XXXX XXXX instructed Citi Card to refund charges disputed in Citi Card Case # s case # XXXX XXXX, XXXX and XXXX. Citibank failed to refund charges as directed by 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 monetary relief
Consumer complaint received 2023-09-04
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was unable to find a category relating to my issues as it relates to adding beneficiaries to my checking and saving account. 

On XX/XX/2023, at about XXXXXXXX XXXX at the stand alone Huntington Bank in XXXX, Minnesota I attempted to add beneficiaries to my accounts. I attempted to do the same about a week before at the XXXX XXXX, Minnesota XXXX XXXX location. I was told that I had to provide the social security numbers of the names of the beneficiaries I wanted to add. I told the female worker that I would not provide that social security numbers as it's unnecessary. She then referred to the manager who was at the window next to me. He told me that it's a regulation of Huntington 's and the social security number is needed. He added that when it was XXXX it wasn't required but Huntington requires it.

I believe this is a violation of 42 USC 408a ( 8 ).

In addition, Huntington is swiping and or entering the driver 's license number when a guest is doing a transaction. I feel providing it should suffice.

I appreciate the help of the CFPB to look into these matters.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: SYNCHRONY FINANCIAL
State: PA
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:
A few months ago an inquiry from Walmart credit showed up on my XXXX credit report. I contacted XXXX  and was advised by a representative outside the US that they could not assist and to call the police. The info seemed inaccurate but speaking to a supervisor did not help. I contacted Walmart and they confirmed they never had a credit inquiry using my social security number or name. They wrote a letter to XXXX advising but it has still not been removed. 

Also a XXXX XXXX inquiry is now listed as of XX/XX/2018. I purchased a car through XXXX XXXX on XX/XX/XXXX but did not use XXXX XXXX so that hard inquiry is inaccurate. Given approaching XXXX previously didn't work and only caused frustration I am approaching you for help to have both inquiries removed. These inquiries are not on my XXXX report.

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 2023-02-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account XXXX XXXX XXXX : {$3000.00}. XXXX XXXX XXXX : {$2900.00}

Company response to consumer: Closed with explanation