BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I was XXXX with the United States XXXX in the XXXX XXXX. You can reference the attached document to see that there was no activity from the credit card during the dates above. The balance of my credit card balance from XX/XX/XXXX to XX/XX/XXXX could not be paid as I had no reliable access to phone or internet. At the end of my XXXX in XX/XX/XXXX, I paid the outstanding balance in full, to include accrued interest from late/missed payments. I contacted Navy Federal shortly after paying off my balance to see if they could debit me the accrued interest to me as I had an excuse for not being able to make payments. I was told, " we don't refund or debit interest from missed payments. '' I also requested that they remove the credit suppression against my credit history. I was told, " its too late for you to fix your credit. '' I am writing now because I have become informed of my rights as a consumer and military member per Servicemember Civil Relief Act ( SCRA ). The negative impact to my credit will be corrected as these late/missed payments were no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent Equifax several disputes to get inaccurate items off my credit in which they fail to correct errors and never return my green return receipt showing they received my letter certified mail XXXX shares my information with out my written consent they also never received my written consent to report anything about me which is illegal and identity theft every dispute I send in if they acknowledge it is always verified which is not accurate cause laws states that the consumer is the only person who can verify a debt so how is E Oscar or these alleged creditor able to verify alleged debts for Me when 15 u.s.c 1681 clearly say that the reporting agency are supposed to to confirm everything with me the consumer before reporting it but this company breaks the law cause of the money they receive from these alleged creditor who pays them to keep control of the consumer 1681a ( 2 ) ( b ) state that no comsumer credit transaction made with my credit which is my social security card should be a private transaction but yet in still XXXX reports this information then tell me lies or give me false information on why they can't delete meaning they fell they are above the law cause they want to keep receiving money for illegal activities which has cause me personal financial injuries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute regarding the inaccuracy of my account with XXXX ( XXXX XXXX XXXX ) in XXXX of this year via XXXX Mail. Equifax Verified this account as being accurate. I also requested a method of verification as is my right per FCRA. They responded with a canned response leading me to believe they did not conduct a proper investigation. I reviewed the account again and there were XXXX factual inaccuracies several of which are direct FCRA violations. I sent a XXXX letter which showed the XXXX XXXX and I detailed all of these issues. How on earth did Equifax verify this account as being accurate when it contained all of these factual errors and FCRA violations? I instructed them in a XXXX letter to delete this account in XXXX days or I would start filing complaints. It is obvious that Equifax never followed the law and conducted a thorough investigation. In fact, based upon the outrageous way this account was reporting, I truly believe Equifax never conducted a proper investigation or perhaps worse, lied and simply auto verified this account. I have attached a copy of the third letter which documents all of these inaccuracies and violations. To my mind after reading FCRA a dozen times, when an account is verified as being accurate, the data should reflect the industry standard of Maximum Possible Accuracy. Equifax failed to do it's job and willfully continues to report this account even after they were made aware the data was false and inaccurate. XXXX XXXX Promptly deleted the account upon receipt of the exact same letter. Equifax should not be able to operate above the law and ignore the obvious issues with this account. It should be immediately deleted and Equifax should be dealt with to the limit of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: IL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$680.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$300000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: NE
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has been almost four months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Purchased a used car which was financed through credit acceptance ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX which I purchased from Initial XXXX XXXX XXXX XXXX XXXX NY XXXX The total amount financed was {$11000.00}. My car was wrecked and was a total loss, the insurance company paid {$8400.00} to credit acceptance on XX/XX/23, my service contract refunded {$890.00} and {$1600.00} to credit acceptance on XX/XX/23, my gap insurance paid them {$35.00} on XX/XX/23. I made a payment to credit acceptance on XX/XX/23 of {$270.00}, XX/XX/23 of {$270.00} and another payment of {$270.00} on XX/XX/23 a total of {$11000.00}. Leaving a credit of {$400.00}, but credit acceptance is telling me that the loan is not paid off and that I still owe them {$6600.00} in interest which would of been the cost of the loan had I paid it over the full term of the loan. I feel this is predatory lending and a violation of the consumer fair credit act.

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 2021-03-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am not able to login to my Equifax account. I only get this message " We are temporarily unable to complete this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
The bank is reporting to the credit bureau that my account has been affected by a natural disaster. I have not applied for nor received any assistance on my account and when I reached out to the bank they said that status would not affect my credit score. I feel the bank has received federal funds fraudulently and I have not divvied out any of those funds to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There was an old account appearing on my credit file with XXXX from XX/XX/2013and now this account appears as a new account with some company named XXXX  showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.

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 2023-03-24
Company: Google Compare Credit Cards Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2023 I purchased a {$200.00} Google XXXX gift card from XXXX. I received the code and was able to apply it to my Google XXXX balance with no issue. When I attempted to spend the money in my balance in an app, the purchase was declined and I was instructed to fill out a form for Google. The form asked me to provide receipt of purchase and the gift card code, which I provided. 

On XX/XX/XXXX, I received an email response from Google stating " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' The email was sent from an address that does not accept replies, I was given no way to contact them back or dispute the resolution, nor was I given details on what exactly was wrong with the information I provided. I immediately contacted support and opened a new case. I was told that a specialist would look into it and reply within 24-48 hours. 

On XX/XX/XXXX, I still had not heard a response so I contacted chat support. I was told the ticket was escalated and I would hear back from a specialist in 24-48 hours. 

On XX/XX/XXXX, I still had not heard a response so I contacted phone support. I was told the ticket is already escalated and can not be escalated again, and that I'd hear back from a specialist in 24-48 hours. 

On XX/XX/XXXX, I still had no response so contacted chat support again. Was again told that I'd hear from a specialist in 24-48 hours. 

On XX/XX/XXXX, I am filing this complaint as it has been nearly 1 month the company has continuously missed their commitments to respond to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: GA
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 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 explanation
Consumer complaint received 2023-03-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have disputed my Discover credit card for multiple charges by XXXX XXXX which were not initiated by me. I am sure that as a credit card company Discover can see where the charges are coming from with the name and XXXX XXXX. I had absolutely nothing to do with the fraudulent charges that were made to my Discover account. Discover assigned a XXXX agent to my case that would make fun of my accent and kept denying my claim as if I was the one that used the card and tried to dispute the charges. I am an old customer with Discover and I would never go as low as to use my card and blame it on fraud. Thanks God we live in the most advanced country with the most advanced technologies and for Discover not to be able to properly investigate and find the perpetrators is simply not true. Discover preferred to blame it on me rather than investigate the charges and find the real fraudsters. If I am guilty of committing this crime they should go ahead and charge me with fraud but instead they find the easiest solution-blame it all on the card holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My chase amazon visa card is charging 29 % interest APR. I am struggling to make payments and pay down my principal because my job was terminated on XX/XX/2023. 

I tried to ask for financial hardship and the representatives at Chase just denied it. I am trying to make my minimum payment but I don't have unemployment insurance or other sources of income. I am trying very hard to land another job or generate income through self employment but not having immediate success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2023, I received physical mail from " Comenity Bank '' located in XXXX, OH. The letter requested me to call this bank to finish processing my " THE SPORTMAN 'S GUIDE VISA credit card account application ''. I never applied for this credit card, have no affiliations with this bank, and don't even have an interest in hunting. I was a victim of identity theft involving significant circumstances within the past 5 years. I did not contact this bank due to the printed information ( physical address, number ) conflicting with online information. I have contact my identity theft monitoring service ( in place since my first theft ) to begin disputing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: TN
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:
None of the Collections listed in my letters are verifiable and the accounts are also in violation pursuant 15 U.S. Code 1681a ( 2 ) ( B )

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 2023-06-12
Company: Netspend Corporation
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A fraudulent account was opened in my name. At the 1st try, on XX/XX/XXXX, XXXX, the company refused to close the account because I couldn't provide the information the theif used to create the fraudulent account ( like favorite color, or date opened ). I then involved my ID theft services. We called them on Friday, XX/XX/XXXX, on a recorded line, where they stated they found the account and would send a written confirmation on the closure to my email address. They promised I would only get 1 email confirming the account closure. Subsequently, I've
received 3 emails from them ( XXXX, XX/XX/XXXX & XX/XX/XXXX ), XXXX asking about " issues '' with my account, and 1 is a customer service survey request. 

I called them again today being concerned the account wasn't actually closed, again on a recorded line with my ID theft services. The agent refused to confirm the account was closed, claimed there were no accounts on file, refused to transfer us to a supervisor, and directed us to the FTC.

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