BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I received a hard inquiries on my personal Experian Credit Report from XXXX XXXX  which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX XXXX  in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XX/XX/XXXX. While nothing has happened this year, I would like this to be addressed 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 2023-06-09
Company: Genesis FS Card Services, 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:
someone staying in my home used my information to obtain credit cards and unemplyment in my name, i am a nurse and never stopped working, worked long hours, and she would get the mail, so id never see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I noticed that there were some fraudulent activities on my account. Initially, I was unaware of what happened to the funds that belonged to me, other than the fact that they were missing. However, I later realized these activities resulted in money transfers ( XXXX ) that I sent to various people and businesses being stolen. Not only did someone steal my money, whoever hacked my online account made claims on these transfers, subsequently transferring the refunded money to another Navy Federal account that does not belong to me. I obtained this information on Wednesday XX/XX/XXXX from a Navy Federal Customer Service Agent, whom I spoke to over the phone and conferred this information to me. The customer service agent stated they could not give me any further information, but due to the fact that I have a single Navy Federal account, I filed claims on all of the fraudulent activity via phone, and I was told there would be an investigation. I received a letter stating that I would be held responsible for all of the fraudulent charges, although none of it was my doing. I submitted an appeal letter, which I have not received a response to yet, but I am filing this complaint because this is not the first, nor second time that Navy Federal has allowed fraudulent activity on my account, and I should not be held responsible for someone else 's fraudulent and illegal activity. In essence, I have had {$2600.00} stolen from me, and this has caused great financial strain on me. Now, Navy Federal is trying to hold me accountable for something I did not do instead of pursuing the person ( s ) whose account the stolen funds were transferred to, although they apparently have information regarding that account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX, XXXX, Transunion FRAUD Account # XXXXXXXX XXXX XXXX XXXX I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of Trans Union not complying with the consumer law if not remove immediately I will be filling for damages with the law

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 2023-11-12
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I listed an electronic item on XXXX XXXX for {$250.00} on XX/XX/2023 and the day after ( XX/XX/2023 ) someone reached out with an inquiry to purchase. He first asked bout condition of the device and then said he was interested in purchasing. He said he was busy so he would ask his sister to pickup the item on his behalf and that he would pay me immediately. We agreed to use XXXX. 
He claimed to pay me {$250.00} using my email linked to XXXX, but when I checked my account it wasn't there. I shortly got an email from XXXX telling me that the person has paid but I haven't received the money since my account isn't a " business account '' and therefore my credit is too low to receive the funds. To upgrade my account, the buyer would have to send me an additional {$500.00} to upgrade my account in which I would have to refund it back. 
He agrees to do so and claims to send me another {$500.00} with a screenshot of " proof ''. I then get another email telling me the buyer has payed the extra {$500.00} and that I need to send {$500.00} from my end to an " agent '' of XXXX so that they can release the funds to both parties. I unknowingly sent the money in which I soon realized something was wrong. The scammer then proceeded to pretend that he sent another {$500.00} by mistake and that I needed to send the agent another {$500.00} to release the funds he had sent in the first place but I had cut off communication with him at that point. Finally, he sends me another email which claims if I don't send him the money I will be arrested which I ignored. 
I contacted Citibank which is linked to my XXXX immediately about the scam but they said they could not credit me since I had initiated the payment

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 2023-08-10
Company: Commonwealth Financial Systems, 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:
I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus. 
I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Navient Solutions, LLC.
State: TX
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 XXXX XXXX XXXX XXXX, PA XXXX This student loan company gave me false information about my student loan, although I was making payments, and was diligent about annual renewals, and communication. The problems have been ongoing and Navient has withheld the truth about the loan. I discovered the extent of the dishonesty when I decided to consolidate all of my loans. 
In XX/XX/XXXX I began the process of consolidating all of my loans at the Federal Government rate of 6 %. I tried to negotiate a lower rate than the +9 % I was paying but Navient refused. 
As I began the consolidation process that would add the Navient loan to my XXXX, I was told my loan could be added and yet as I continued to talk to XXXX, I was told over and over that the loan was not a federal loan but a private one. I called Navient, and was told the opposite. They swore it was a federal loan, and someone who was a supervisor even promised to access the national data base files and ensure that my loan would be recognized as such. He even told me to call back in 3 days to ensure that all of the work was done. When I called back I was transferred a number of times, and then hung up on by the agents. 

XX/XX/XXXX " During a review of your account we discovered that accrued interest was added to your loan, for which you are not responsible. '' Money was added to my loan during the periods of forbearance, and even during the time I was making payments. 
Phone calls made during the summer of XX/XX/XXXX, show that I had to call back numerous times because I was hung up on. Further, it was revealed by one of the agents, that I was paying an unusual high interest rate, " higher than she had ever seen. '' It is revealed that my loan is a PRIVATE SMART LOAN, and that Navient knew this all along. Further, my LOAN has had NO LENDER since XX/XX/XXXX when XXXX XXXX XXXX XXXX XXXX, the lender " bailed. '' Navient did not disclose this information, nor did they discuss the fact that Navient became my lender without my knowledge. 
During XX/XX/XXXX, I called to renew my payment plan and was put off, and transferred numerous times. Because I was already making automatic payments, a larger amount was automatically deducted from my account. When I complained and had proof of my phone calls, I was told the refund of my money was delayed for some time. 
Navient wants me to enter into a forebearance, for 3 months and after that time try to extract a larger amount from me for repayment. The goal for Navient is not so students can pay off the loan, but so they will owe much more money through accrued interest, for longer periods of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is simply robbing people! I understand the difference between capitalism and theft. There is no fine line. This company could not answer how they amortized my loan that I didnt not know I was getting my self into. Or how they can get away with charging over XXXX XXXX XXXX  for appliances that dont even retail for XXXX. Simply, this company is charging me {$5100.00} in fees and charges. This whole situation is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Uplift, Inc
State: GA
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:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I incurred 2 overdraft fees on XXXXXX/XX/XXXX as a result of my 2 student loans being debited from my account 8 days earlier than usual ( {$360.00} + {$640.00} ). It put my account in the negative, and when I charged an {$8.00} cab ride on the card again not knowing my account was in the negative I incurred an additional {$38.00} fee that same day. A total of 3 fees on the XX/XX/XXXX for a total of {$110.00}. 

I live in XXXX  XXXX XXXX, and have a Comerica account in Michigan  because of a client I have in Michigan   deposits checks into my account once a month. There are no Comerica bank branches in XXXX  XXXX  XXXX, therefore I can't get my account into the positive unless I either transferred money or I flew to Michigan  to make the deposit. Transferring the money would take usually at least 2 business days ( usually 3 or 4 ), and as a result I would continue to incur overdraft fees. My account was a - {$73.00}, so waiving 2 of the 3 overdraft fees would put me in the positive and would stop the process of additional overdraft fees being charged to the account. I called customer support on the XX/XX/XXXX hoping they would work with me in order for my account not to keeping incurring overdraft fees, and was told there was nothing they could do. In addition they suggested my only option was to speak with the bank manager where the account was opened and it would be up to their discretion to waive the fees. 

The person on the phone also notified me that I've had overdraft fees waived in the past before, so it's very likely that the manager would not waive these fees. This left me with no other option, than to either continue incurring the fees until I was able to transfer money into the account or fly to Michigan to make the deposit. When I called the bank to speak with the manager, the manager refused to waive the fees and was not willing to work with me. I felt absolutely helpless, and the manager and customer service continued to reiterate that there is nothing they could do for me. 

While I understand the fees where incurred as a result of transactions I allowed, I did not expect the bank to refuse to work with me on this case. In addition, knowing that I would continue to incur overdraft fees for a least 2 business days which would continue to drive my account into the negative, was a viscous and unfair decision by the bank representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: Resurgent Capital Services L.P.
State: MO
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:
This company is in violation of the consumer law. My personal information was sold in illegally used bye a third party. According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with the accuracy of my credit report. Specifically, I am disputing the reporting of late payment by the credit reporting agency that is inaccurate and is negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. 

Despite the information being provided to the credit reporting agency with evidence that the late payment reported on my credit report is inaccurate, the agency has not taken any action to correct the error. My lender XXXX provided me with a letter stating that the information in question is inaccurate, and they sent a copy of this letter to the credit reporting agency as well. The letter clearly states that late payment is inaccurate and should not be on my report.

I would appreciate your assistance in resolving this matter promptly, as the inaccurate reporting is negatively impacting my credit score and my ability to obtain credit. Thank you for your time and attention to this matter. 

Sincerely, 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 2018-04-19
Company: Experian Information Solutions Inc.
State: MD
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:
contacted company to state I did not owe this debt on XX/XX/XXXX I requested copies of any written agreement with my original handwritten signature and date. Company has failed and refused to provide me with an ORIGINAL CONCTRACT WITH AN ORIGINAL HANDWRITTEN SIGNATURE.

On XX/XX/XXXX I contacted Experian to request they remove this unverified account, have not received a response as of yet.

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 2023-11-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im a business owner using Wells Fargo merchant services. Ive had successful batches in the past but Wells Fargo is holding my funds and hasnt responded to me or gave me a reason for such. Ive contacted the merchant departments and security department many times and the representatives have gave me no explanation why and no steps in order to resolve the issue. The funds amount is upwards of XXXX. This is causing disruption in my business operations with no explanation as to why. Im losing business services and customers until this is resolved.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The credit bureaus stated XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigated, but how is that possible if the open date is inaccurate. The date last is inaccurate and date reported is not accurate. This is ground for removal. They also have violated my rights under 15 U.S.C. 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts permission to furnish these accounts on my credit 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 non-monetary relief
Consumer complaint received 2022-05-01
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:
In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: CA
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:
I spent over two hours on the phone with Equifax trying to resolve an error on my credit report. I explained to Equifax customer care reps that I did not have a confirmation number and that apparently made them angry. When I explained that I had Equifax 's XXXX  service, they had no idea what that was and demanded to know if I had requested a credit report or not, and if not, then how did I have any information about my credit report. 

I first spoke to a rep named XXXX in the Equifax dispute department. She was rude and dismissive. When I asked to speak to her supervisor, she put me on hold for 25 minutes. XXXX who was supposedly her supervisor, who supposedly works out of Disputes in Nevada made me answer the same 20 questions I answered for XXXX and then after answering all 20 answers again ( with actual information from my online accounts, all correct up to the minute ), he said ONE of my 20 answers was wrong ( wouldn't say which one ) and so therefore they will NOT correct the errors on my credit report. 

How can I get the error on my credit report corrected when Equifax is refusing to do so?

Company response to consumer: Closed with explanation