BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am filing a compliant about Navy Federal Credit Union, I have had the credit card for few years.During the pandemic i struggle to make monthly payments. I contacted the Credit Union and they worked with me. It was not until the interest rate reset higher my monthly payments were over $ XXXX {$800.00} dollars. I sent what I could. I did call to speak with a credit counselor, and that when they took information about my hardship. I made smaller payments, I was on the call on XX/XX/XXXX I was informed that I will continue to make my payments. Then I was told my card was closed 2 months ago. I explained not anytime that either costumer service representative. I was very upset about how this matter was handled. I mentioned that i would be filing a consumer compliant. They sent me a letter dated XX/XX/XXXX. showing the amount I will be payment monthly and my current balance. I am requesting my card be re-opened. I am still going to be charged recurring bill payment and recurring transfer charges. How can that be on a closed card they closed with out informing me. Your attention is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect a debt I do not owe. They are claiming I owe {$180.00} for XXXX XXXX XXXX XXXX. I have asked them to validate the debt with a signed contract and they did not provide me with one. All the sent me was a bill from XXXX. Per XXXX  policies and individual can not have an insurance policy while having an unpaid past due balance. I am currently insured through XXXX! This is not my debt. I have written numerous times to the credit bureaus to remove this account and they say the company validated the debt. They will not send me any documents that they have that proves this is my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Fraud Prevention XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXXo Whom It May Concern : We are writing this letter to formerly file a complaint regarding your decision to deny our request for reconsideration of our claim that the Citi Bank website and Citibank is responsible for allowing two unlawful withdrawals of wire transfers from our bank accounts ( XXXX and XXXX ). The reason for our filing relates to the following rationale : As stated in your letter dated XX/XX/2021, we requested support from the Consumer Financial Protection Bureau for a return of our money since you allowed an outside source to wire transfer approximately {$14000.00} of our funds which was unauthorized by us. Our dilemma is that we feel Citibank was totally responsible and assume that you have sufficient insurance to cover our loss. 
Secondly, since we still have some of our money in our accounts your office suggested that we call the XXXX number and request that you reopen our account o or obtain assistance from your support office to open up a new account so that we would have access to our remaining funds. After spending 1 hour on the phone with your staff we were advised that they were not able to assist us in our efforts to open an account and they did not offer any options on helping us. Furthermore, the individuals were unable to communicate clearly due to the fact that they were not Americans and appeared to be struggling with their XXXX accent to communicate with us other than advise us that no help was available. We will file a follow-up complaint with the Consumer Financial Protection Bureau and the Florida State Attorney General because there seems to be an ongoing struggle to get any help. Since your bank has caused this problem, you should have the courtesy in correcting it. We are asking for two things refund our money and have the courtesy to allow us to have access to our account. 
Respectfully yours XXXX and XXXX XXXX CC : Consumer Financial Protection Bureau Florida State Attorney General

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 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers

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 2021-09-30
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I believe my rights as a consumer has been violated by LVNV Funding LLC and Resurgent Capitals Services. Both FDCPA and FCRA violations. My research on LVNV Funding LLC, Resurgent Capitals Services and XXXX XXXX XXXX XXXX the current servicer was named in a lawsuit that an approval was granted on. 
I have requested for LVNV Funding LLC to provide an original contract between myself and LVNV Funding that has my signature on it. Account with them is being passed or sold to different debt buyers without validation. On XXXX mailed a certified letter to LVNV Funding LLC it was signed for on XX/XX/XXXX, I requested a validation of debt. I received a letter from Resurgent Capital Services 2 letters in the same envelope dated for the same day.one stating they manages the account for LVNV Funding LLC. and has initiated a review of the inquiry recently received and 2nd Letters stating recent inquiry received and a summary of an account prepared by Resurgent Capital Services on behalf of LVNV Funding LLC and it is a statement from XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX I mailed a certified letter to Resurgent Capital Services dated XX/XX/XXXX it was picked up from post office on XX/XX/XXXX on XX/XX/XXXX I received the same 2 letters as before. 
On XX/XX/XXXX I sent a letter about my 3 prior requests informing them FDCPA violations and FCRA Violations. No response from Resurgent so I addressed my next letter directly to LVNV Funding LLC. mailed on XX/XX/XXXX delivered on XX/XX/XXXX. See attached. I received a letter dated XX/XX/XXXX from Resurgent Capital Services stating XXXX XXXX XXXX is the current servicer of this account. 

I received a letter dated XXXX XX/XX/XXXX From XXXX XXXX XXXX stating LVNV Funding LLC is their client. 
On XX/XX/XXXX I responded because they gave me 30 days. Requesting the same information. Please note the Privacy notice section with the list of companies under LVNV LLC. does this mean that at any time one of these companies can contact about the same debt and not validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Last year XXXX 2016, I contacted Navient 's Office of Customer Advocate via phone and email asking them once again I 've hit some hard times if I can please make lower monthly payments ( that was based on the principal only because its a 12-month repayment plan ). After about 30 minutes on the phone I asked to speak to a supervisor because what the representative was telling me was not paralleled to other previous conversations with other representatives in the past. After about an hour on the phone with the supervisor he was blatantly disrespectful instead of helping me with a resolution I had to hang up the phone because he was not customer service valued. Through my frustration in getting no where I wrote the below email : Thank you for your timely response in assisting me to find a better solution for my private student loans. You are correct, I had recently discussed alternative repayment options with Navient Private Collection Department on XXXX XXXX, 2016 and XXXX XXXX, 2016. What was not communicated to you properly is that on XXXX XXXX, 2016 I spoke to a female representative and a male supervisor and the option of the {$460.00} was never presented to me period. Both proceeded to say that the only option was {$560.00} and even throw out an outrageous number. Instead of being patience with me because I was not being confrontational the male supervisor raised his voice with me and was extremely disrespectful in not helping me find a solution at all then He proceeded to verbalized comments that was out of line. 

Through out that time my co-signer was harassed through out the day. Navient said that I as the borrower did not want to make payments so its up to him ; which was a lie. They threatened him with wage garnishes, they somehow got a hold of his wife personal cell number and harassed her and they would call after my co-signer after XXXX. 

School : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NV
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 am submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXXXXXX XXXX XXXX Balance XXXX {$6100.00}.

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 2021-09-30
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: Their investigation did not fix an error on your report

Complaint:
Equfax has not allowed me to continue to submit disputes and has prevented accurate information and/or removal of an account that does not belong to me. 

I sent a copy of the court documents showing this was an invalid collection account and they still continue to report the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a registration loan in 2015 with cash time loan center and made several payments, however I fell behind and tried to make a partial payment and they refused. I lost my job and vehicle and have not heard from the company till I was served with small claims in pursuit to a statue that is for implied warranties. Which the amount borrowed was less than {$500.00} which the law caps the interest rate. However in the lawsuit they are requesting 202.29 % in interest. I have made several calls to company left voice mail with no response. The company waited 5 years to accrue interest on an a predatory loan. several payments were made to this company as balance was no where near the {$660.00} they are suing for outside of statue of limitations law and filing under false statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: MI
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, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



The following ITEMS are Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TN
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On Thursday, XX/XX/XXXX, I received four alerts for changes to my Equifax credit report for four accounts. The FIRST alert indicated that my XXXX Credit Card loan type had been changed from a regular Credit Card to a XXXX XXXX Credit Card for every month retroactive to XX/XX/XXXX. I immediately contacted XXXX XXXX, who informed me that my account is not a XXXX XXXX Credit Card and that they did not report this change to Equifax. This call was recorded for reference. It is important to note that XXXX XXXX XXXX XXXX are not included in credit scores. My credit score dropped as a result of this change. Equifax also added a comment " Amount in h/c column is credit limit ''. This is incorrect and was not reported by XXXX. This is explained further in the next three alerts. The SECOND alert indicated a comment had been added to my XXXX XXXX account stating " Amount in h/c column is credit limit ''. This comment is incorrectly stating that the amount reflected in the 'High Credit column is the credit limit for the account. I confirmed the correct credit limit for this account with XXXX XXXX. The amount reflected in the 'Credit Limit ' column is the correct credit limit for this account. XXXX XXXX is indicating that they did not report this change, which negatively impacts my credit score. The THIRD and FOURTH alerts indicated that comments had been added to my XXXX XXXX  XXXX and XXXX XXXX  XXXX accounts stating " Amount in h/c column is credit limit ''. These comments incorrectly sated that the amounts reflected in the 'High Credit ' columns is the credit limits for these accounts. I confirmed the correct credit limits for these accounts with XXXX XXXX. The amount reflected in the 'Credit Limit ' column is the correct credit limit for these accounts. XXXX XXXX  is indicating that they did not report these changes and are opening up an investigation into why these changes were made. These changes appear to be retaliatory in nature against me. Further, after my prior complaint against Equifax regarding the incorrect factors they used to determine my credit score, a change was made to my credit profile with updated factors. These factors are also incorrect. So although Equifax failed to respond appropriately to my prior complaint, they did update the factors determining my credit score with more incorrect factors. I have attached screenshots of all claims in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: MN
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX/XXXX XXXX  Balance : {$950.00} XXXX/XXXX  Inquired on XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief