BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan servicer ( Navient ) reported a non-payment to credit bureaus after I transferred my loans to another company without properly informing me that I was still responsible as a co-borrower for one of my spouse 's loans. The letter I sent to them is pasted below. 

XX/XX/18 Dear Navient Representative, I am reaching out to you regarding a series of non-payments that were reported on my account beginning in XXXX. As a result, my credit score has dropped from over 800 to less than 700. Since I transferred the servicing of my federal student loans to another company last year, I was under the assumption that I did not owe anything. When I received E-mails stating that I still owed money after the transfer completed, I called Navient and was told to ignore the messages since they are automated. I even logged in periodically just to be sure, and my balance showed XXXX and transferred. Once I became aware of my falling credit, I discovered that the non-payments were from my spouse 's account. When we called to inquire last month, we discovered that I was listed as a co-borrower on a consolidation loan. Needless to say, I was perplexed since all amounts I have ever borrowed for college tuition had been transferred to the new servicer, and I had not received any postal mail notices or phone calls regarding the other account. Additionally, my name is not listed on her account when she logs in, so there is no way for me to know that I bore any responsibility for those balances. I did receive a couple of payment reminder E-mails, but again, when I logged in to my account it was still listing a XXXX balance. We have since requested a forbearance to deal with this issue financially, but I would also like to request an investigation into this situation, and hopefully the removal of the non-payments on my credit report. I have always been a good steward of my student loan obligations and do not have a prior record of payment irresponsibility. A copy of my credit report is enclosed for your review. Thank you for your consideration, and I look forward to your reply. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion via XXXX XXXXXXXX XXXX XXXX has my Credit Score XXXX Points less than whomever XXXX XXXX XXXXXXXX uses. The reason, according to their " Fix '' Suggestions is that I do not have ANY Mortgage History. I had Mortgages on various properties from XXXX until I paid off my last Mortgage in XXXX. I have lived " Debt Free '' since then. Like many Seniors that I know, ( I am XXXX ) I charge many regular expenses on a Credit Card that offers Cash Back, Then, pay it off on the day before the due date every month. I charge something on my " oldest '' Credit Cards about twice a year to keep them active. Every month ; ALL OUTSTANDING BALANCES ARE PAID. 
While my TransUnion Credit Rating is Excellent ; I still believe that they should take age into consideration, as many Seniors I know operate this way. If we own our homes and pay all our debts every month ; do we deserve to be punished for it?

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 2016-09-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have 2 inquiries that are on my report that supposed to have fallen off but are still reporting.

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 2023-07-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello. I am a victim of XXXX fraud. I have a debit card through Citizens bank which is tied to my checking account. I noticed that my account went into overdraft protection and I received an alert about that. This is what led to me noticing the fraud. I never lost physical posession of my debit card but somehow someone got the information and was using it to withdraw money through XXXX. I have never used XXXX I do not have an account on that website and I have no affiliation with them. 

I called Citizens bank to report fraud that I discoved on XXXX ( ref number XXXX ). There were 26 seperate charges for XXXX each totaling XXXX from XXXX that I did not make. This occurred from XX/XX/XXXX to XX/XX/XXXX and each transaction was exactly XXXX. 

I still can not understand why this was allowed to happen. This is clearly fraudulent activity and should not have been allowed to occur. Citizens did nothing to protect me from this whatsoever, it occured over a month. They took XXXX at a time every day or so, maybe skipped a couple and then took another XXXX, 26 times making it difficult for me to notice unless I logged on to look at my account. Citizens NEVER flagged someone taking out XXXX a day, 26 times.. This is unacceptable. 

Citizens closed the debit card and sent me a new one through the mail. They told me that the stolen money would be returned to me 3-5 business days. This did not happen. Nobody has contacted me about this fraud after my initial report. Nobody has mailed or emailed me anything in writing. Nobody has called me about this. I understand there was a recent lawsuit files against Citizens for this exact same reason. It seems they have not learned their lesson and have no refunded me. I have NEVER reported fraud in my life this is the first time and I deserve to have the protection advertised to me. Citizens is not follwing their unauthorized transaction policy nor their debit card zero liabilty policy.

In addition, I have already received one overdraft notice ( which results in a {$35.00} fee ). I am now about to get another overdraft notice because it is now XX/XX/23 and my money has still not been returned. 

I tried calling Citizens bank again on XXXX and asked to speak with a manager. I have now been on hold for 57 minutes and a manager is not answering my call. XXXX is the fraud number and the number I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Mountain Run Solutions, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I notified XXXX  that an account apparently owned by MOUNTAIN RUN SOLUTIONS LLC corresponds to an account that was over 10 years old which should no longer appear on my credit report. They claim to have investigated the dispute but they claim to have verified that it was accurate despite the account being over 10 years old. Since the account is over 10 years old they can not have any valid proof that I entered into any agreement that corresponds to a valid and current debt. I have previously notified MOUNTAIN RUN SOLUTIONS LLC in writing that I believe this debt is too old to be reported on my credit report and asking them to provide documentation showing that it is a valid/current debt but they have ignored my requests for information and are instead fraudulently reporting this on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2018 my employer XXXX XXXX sent my paycheck ach direct deposit in the amount of {$5600.00} to Netspend. On XX/XX/2018 my second employer XXXX XXXX XXXX sent a ach direct deposit over to Netspend in the amount of {$110.00}. Both companies have issued payment to before and have had no issue. Netspend is stating they are having an issue with their subsidary XXXX posting ach deposit but can not confirm a date or time for resolution. I reached out to XXXX XXXX who works in Office of the President and stated the only information he has received was that XXXX XXXX  would be resetting their system and hoped to have it resolved soon.

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 2022-04-29
Company: EQUIFAX, INC.
State: TX
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 recently checked my credit report, and I discovered a lot of information reporting that does not belong to me along with fraudulent addresses and incorrect spellings of my name. I misplaced my purse in a restaurant XX/XX/31. Since then, I have been noticing a lot of changes in my credit score. My DL, SSCard and passport were all misplaced, i was told to file this complaint if i saw anything that does not belong to me. I have listed a few accounts in the form and i will list the additional accounts below XXXX  ACCT # XXXX BALANCE XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX Please investigate this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I notified Transunion that an account apparently owned by XXXX XXXX XXXX XXXX corresponds to an account that was over 10 years old which should no longer appear on my credit report. They claim to have investigated the dispute but they claim to have verified that it was accurate despite the account being over 10 years old. Since the account is over 10 years old they can not have any valid proof that I entered into any agreement that corresponds to a valid and current debt. I have previously notified XXXX XXXX XXXX XXXX in writing that I believe this debt is too old to be reported on my credit report and asking them to provide documentation showing that it is a valid/current debt but they have ignored my requests for information and are instead fraudulently reporting this 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 explanation
Consumer complaint received 2021-06-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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:
USAA Savings Bank is reporting a late for XXXX, XXXX, XXXX. Due to Covid, I was having a really difficult time keeping up with all my bills since my hours were cut dramatically. I have slowly gotten back on my feet and am now preparing to buy a home. I have been a long time customer with USAA and ask that they please take leniency on these lates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I noticed an unauthorized charge on my checking account. I contacted Chase immediately and Chase agreed it is because of my debit card/ checking account information was hacked. 
On XX/XX/XXXX I received a letter from Chase, stating " As we discussed and agreed, no action will be taken ''. 
First of all, I never agreed to " no action will be taken ''. Second, this is my account being hacked, and " no action will be taken '' is how Chase respond to it?????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Early Warning Services, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I keep getting denied checking accounts with banks because early warning systems has inaccurate information and wrong information on there and should be removed I have tried contacting them multiple times to dispute items on there that shouldnt be because they dont belong to me or are not my accounts that show negative history which is completely wrong and I want them removed its preventing me from opening a simple checking account so I can pay my bills and its very stressful when no one can contact me back or at least look into it its not fair and Im struggling trying to pay bills online without a bank account I have to use prepaid cards and its time consuming this isnt fair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.

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 2023-04-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, from my checking account at Wells Fargo, I sent {$1000.00} to my daughter via XXXX. The money was never received. I filed a claim with Wells Fargo and I was given a claim number. Few days later, I received a letter stating that the money was sent and received by the recipient, hence the case was closed. I reached out to them again demanding proof, and I was informed my daughter 's phone number was incorrectly input. I requested info about such, and I was told they could not disclose that info. I asserted that when I entered my daughter 's phone number, her name popped up which was also confirmed in the debit entry but to avail.

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 2023-06-20
Company: DISCOVER BANK
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:
I am a victim of identity theft! I sent the proper documents for each fraudulent account. The companies continue to update my address from the credit bureaus which I did not give and authorization to do so. The accounts need to block and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed out of XXXX dollars by crooks on the phone calling me from the Citibank help number and texting me with the exact Citibank text. The money was taken from my XXXX account which I have read is a popular scam. I knew nothing of this until it happened to me last week. They had all my emails and passwords, my bank info and passwords, etc. 
I have reported this to the Sheriffs department, the the FTC and I am waiting for the bank to decide what to do and am trying to keep my spirits up. That was all of my money for retirement i am XXXX XXXX XXXX. I have been out of work for three months and have been trying to stay afloat. 
This happened on XX/XX/XXXX and XXXX and I am so mad at myself. These crooks were so good. I do not want this to happen to anyone else and I think the bank should be liable. I am a Citi customer for over 25 years and a Priority member. If they do not protect me, who can? I will have to keep my money hidden at home. 
Thank you.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
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:
Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name : XXXX Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.

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 2023-02-20
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: AR
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 checked my credit record, I discovered a lot of billing problems. Under the U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the accounts I found to be reporting erroneous information on my Credit File : XXXX XXXX  Balance Owed : {$380.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$10000.00}. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.

Company response to consumer: Closed with explanation