BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 hereby dispute the current payment status and remark comment associated with my credit report for NAVY FEDERAL CREDIT UNION for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 

The length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. 

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Nelnet, Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hope this message finds you well. I am writing to file a formal complaint Against XXXX XXXX XXXXXXXX for their refusal to initiate a requested stop payment on funds intended for my student refund. This situation is causing considerable distress, as the funds have been transferred to an account for which I lack the necessary information. 

I have diligently attempted to rectify this issue by seeking assistance from XXXX  XXXX XXXX but, they insist that I contact my bank directly. Unfortunately, my bank can not release the required information without the proper documentation, which I currently do not possess. 

By denying me access to my student refund, XXXX  XXXX XXXX Is potentially violating consumer protection laws. I believe their actions are in direct contradiction to regulations put in place to safeguard consumers like myself from financial harm. 

I kindly request your intervention in this matter to ensure that XXXX XXXX XXXX complies with relevant laws and initiates the necessary measures to rectify the situation promptly. Your assistance is crucial in resolving this issue and preventing further financial detriment. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
There are some things on my credit report that I didnt know about along with some other stuff that is incorrect. I am a victim of fraud. 
Please remove the following items : ( Accounts ) Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened on XXXX Account # XXXXXXXX XXXX XXXX XXXX Opened on XXXX ( Inquiries ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, MO 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 2017-12-07
Company: ALLY FINANCIAL 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This credit inquiry was not authorized by me. Please validate this inquiry. My social security number was included in the security breach.

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 2020-03-26
Company: EQUIFAX, INC.
State: MO
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:
I have been trying since 2016 to get XXXX, Equifax and XXXX  to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX are the worst. XXXX XXXX and XXXX XXXX  are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX SS # ( XXXX ) Capital One Checking # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX La XXXX I qualified of a PPP loan and was granted funds on XXXX XXXX and had funds disbursed to my Capital One checking that was noted above, yet the numerous request for supporting documentation was fulfilled and complied with the funds are still being restricted and considered fraudulent funds and I feel like I am being targeted for this loan because I am a XXXX female, because at this point see no other reason these funds are being restricted for me to conduct and run my XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a credit card with Capital One. Last year my card was compromised. I resolved it with the company, they sent me a new one.I have a recurring monthly payment for a warranty that is attached to that card. I rarely use that card so it was not a big deal to pay that monthly. A couple of weeks ago I tried to make an online purchase with the card, it was denied. After getting on the card website I found out the card was never activated. I had no idea this never happened. So every month the card was getting charged, and the card was not activated. Confused as to how this could happen, I was informed that the card could be charged, even if it was not active. I don`t see how a card can be charged if not active. those charges should have been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My last payment to navient when I defaulted my private student loan was XX/XX/XXXX of XXXX. 
I thought it was XXXX so I submitted a dispute with the credit bureaus. Navient has been reporting as charged off account since XXXX and that it was a XXXX XXXX  XXXX wrote off. At that time I was penalized drastically on my credit report by about XXXX points. I understand XXXX defaulted the loan. 
But not further payments were made. After I just disputed on XX/XX/XXXX I received an update from the bureaus that I have a new missed payment. 
The account status now shows on time and first missed payment was XXXX XXXX  XXXX. 

Spoke with the bureaus on recorded lines today and they said last activity was XX/XX/XXXX and that navient is supposed to fall off my credit report in XXXX XXXX XXXX. 

Navient re-aged my credit report making it to where I am now dinged XXXX years after I was already dinged on my report which is understand is not supposed to happen. 

Navient re-aged my credit report because I am at the XXXX for XXXX at XXXX  years and XXXX year from it being off my credit report. 

This loan is old. No recent payments. Last activity in XXXX. Loan shows charge off. I have not spoken with anyone regarding my student loan, attempted to make any payments, or received any calls from debt collectors. 

This is an inaccurate reporting on my credit report and should be adjusted to be accurate no false. 

Open dispute with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nordstrom has one account on my credit bureaus that belong to my wife. My wife has a negative payment history on this account, so I respectfully request its removal from my credit bureaus. My name is XXXX XXXX XXXX, my wife 's name is XXXX. I would be very appreciative if this account could be removed from my credit bureaus as an authorized user immediately, thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have received 11 emails from this company, Experian, who supposed to give the correct credit report for a XXXX nationality. 4 of them, I am not sure what they have corrected at all. I expect they must deleted some information of soft inquiries in the past or other information, which I could not recognize due to the written information of dates. 2 of them mentioned they deleted my husband 's name again without any explanation. And 4 of them are asking further information, which I expect to be used for the proof of identity ; however, I believe I already sent it at least once to this address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since they ask again to send it, I will mail it. I believe I sent it more than 3 times this time. I just want to ask how many times I need to send. Is it because of the neglect and mishandling of your country post office or this company? I have this question because mail delivery takes so much time, and I am waiting several checks to be mailed to me. And the last one, I have never seen until yesterday. I attached the screen shot of this email. I feel it is regarding the credit card. Since I have another credit card application emails from one company, which I file later, I do not want to receive anything like that.

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 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have got a hold of Capital One and made a payment for closed account that said it's still opened on my credit report and wanted to keep that credit card and build my credit back up. 

Then there is a utility bill that I have been unable to get off my credit report that doesn't belong to me. All I'm wanting to do it get my credit report back in good condition. 

I would greatly appreciate your help with those matters. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I made the last payment in XXXX then I received a statement that my account was in suspense at that point I called Fay Servicing to ask what that meant. They told me that I owed an additional {$5.00} which had to be wired to them and I was given the address XXXX XXXX Bank the aba number and the account number. I did as instructed waited four days then contacted Fay Servicing to verify that they received the money and what was the next step. I was not able to speak to my loan officer by the name of XXXX XXXX have left several messages for her and have not received and response I have been told that there is still {$73.00} in suspense and no one I have talked to can tell me how to get it payed on my account and my account closed. 
I have also asked to speak to her XXXX XXXX XXXX and received any call back. I was also told to e mail both of then which I have also done and have no reply. I don't know what more I can do to get my account closed. I now feel like a XXXX to this company. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I received a call from Macy 's informing me that my credit card account was overdue. I explained that I did not have a Macy 's card. They informed me there was about a {$1400.00} balance on a card opened XX/XX/2023. When I logged into my credit reports, sure enough it was on the all three credit services. I disputed the charge with Macy 's and opened a fraudulent claim, contacted all three credit report services and disputed the newly opened line of 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 monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX XXXX breach I found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, XXXX didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My fianc and I closed our smallbusiness at the end of XXXX. So in the last week of XXXX ( XXXX ), I went to my neighborhood Chase branch and asked for them to close all my accounts affiliated with my business. This included my business checking account and credit card. The manager of the branch kindly helped me and confirmed that all accounts were closed after calling corporate to close them. From then on, I did not receive any professional notifications about my accounts until in XX/XX/XXXX I checked my credit score and saw it dropped over XXXX points. I called chase worried about fraud only to find out my credit card was reopened because companies like XXXX and XXXX accidentally renewed our contract. Due to that my bill went two months unpaid and the credit card went delinquent. Chase was able to refund all late fees and dispute the charges ( which we won ), but unfortunately my credit score would not be able to be fixed. I asked the branch to give me a letter saying it was a banking error and they kept leading me on and directing to different people, branches and corporate departments. The only message I ever received from Chase involving my business account was a text message that said your business credit card needs action. It did not mention Chase nor did it come from their text message line so I ignored it thinking it was spam ( especially since were warned of targeted messages like this and I was under the impression my account was closed ). I would like to get their attention to please fix my credit. I took the necessary immediate actions to resolve this including reaching out to credit bureaus like XXXX. Chase has not been helpful to revert the score and this is not the first story Ive heard like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I'm not sure if this is a loan I borrowed o I remember paying a bill off. I would like to see a actual Contract were the collector Brought the contract in Original Signature of mine. 

I need to see the actual contract with my signature. 
Were is the accounting of these intrest and fee 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TN
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 a victim of identity theft and I have been disputing my credit report with the correct information according to the FCRA. The disputes are not being filed correctly and the FTC report is not being attached to the disputes. And I am not getting the requested copies of the verification process. All of this is a violation of the FCRA

Company response to consumer: Closed with explanation