BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: NY
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 notified Experian that I am a victim of identity theft, the account U S DEPT OF ED/XXXX is reporting on my credit report but it does not belong to me. I have nothing to do with this account.

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
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:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient refi has partnered with XXXX. In doing so I no longer have access to my navient account information via the navirefi website. These information includes but is not limited to statements, payment transactions, autopay and loan balance information. Instead you have to log in via XXXX. When trying to log in to XXXX the dashboard does not work and I have no access to anything. When reaching out to XXXX customer support. They say I have to reach out to navient. I reached out to navient because I have to change where my auto pay is coming from. They wont make changes over the phone and said I have to do it online. I explained the issue. I called navient around the week of XX/XX/23. They stated that my account should be updated in 5 business days and to try logging in then. I tried logging around XX/XX/23 and still had no access. I called navient back and they stated there is nothing more they can do except make a note that I need access. I talked to XXXX today and they still trying to fix these problem. Its 3 months with out the ability to make manual payments, view any account information, update any of my information or change how my loans are being paid. This is unacceptable and I have no visibility to anything going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately

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 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am currently being sued for a fraudulent interest and fee attachments by Capital One Bank Corp. I have continually disputed these charges of Interest and Fees because Capital One Bank hidden the account charges until interest and fees were accrued. Capital One Corporation representatives claimed that I requested a " paperless '' account statement. When in fact, I never authorized paperless statements from Capital One Bank ( I never use paperless statement and I always validate my charges from written/ paper statements ). This dispute has been going back and forth for the last three years (? ). At one point, I managed to negotiate a settlement but it was rejected because I demand they restore my credit and Capital One Corp expunge bad debt charge with all credit rating agency. They repeated kick-back the settlement and rejected my " full '' settlement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
DISCOVER FIN SVCS LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Credit Limit : {$500.00} on XXXX. {$0.00} on XXXX Last Reported : XXXXon XXXX. XXXXon XXXX Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Date of Last Payment : XX/XX/XXXX on XXXX on XXXX This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and XXXX. 

This is a violation of reporting false information BY DISCOVER on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Incorrect names : XXXX XXXX, XXXX XXXX XXXX XXXX phone numbers cont : XXXX, XXXX Fraudulent Inquiries cont : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, XXXX 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX, Resident Verify XX/XX/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 2023-01-14
Company: U.S. BANCORP
State: IN
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:
I was injured on the job XXXX XXXX XXXX I suffered a severe XXXX XXXX due to pilot 's landing badly in XXXX. I have been a XXXX XXXX with XXXX XXXX since XXXX Due to my ONLY income at this time being XXXX from my divorce, and XXXXXXXX XXXX XXXX, I had to move back home to the XXXXXXXX XXXX area from XXXX and give up my dream apartment. I paid for a one way moving truck ( though XXXX ) rental using my employee discount that only should have cost me {$550.00} total if I got the correct truck that worked. That was using my employee discount as well. It is all I could afford at the time. I will include the links of what followed after. They verbally and financially abused me/extorted me and refused to give a full refund. If needed, I will take them to small claims court. But US Bank assured me they would handle it. After getting the initial provisional credit back, I contracted XXXX. I had a XXXX of over XXXX for 3 days straight, and then I was XXXX in the ER due to such extreme symptoms. At this time is when US bank sent me the mail invoices to fax my proof paperwork for all of this. I went to my local branch and had a XXXX named XXXX XXXX in XXXXXXXX XXXX said she would handle it all for me. She faxed all documentation and assured me I would be receiving the provisional credit, and any overdraft fees I incurred due to this would be refunded as well. This was over a month ago. She has since ghosted me. I have went to multiple banks, talked to the fraud department on the phone over 20 times, and nothing. Even when they claim to escalate my issue to be resolved in 72 hours, I never hear from them again. They owe me thousands at this point. I also had my information breached with the XXXX XXXX breach. They refunded me most of the charges that were made, except for the XXXX XXXX charge that was fraudulently made. Both times they reversed the provisional credits from my accounts they were positive. They then charged me over 7 overdraft fees. They refuse to reimburse me for the overdraft fees. I am about to lose my car my dead grandmother bought me and they do not even care. I just need someone to actually care and show compassion for me.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: IL
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 identified items on my credit report that are the result of identity theft, as I did not initiate, authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. These documants were received by Experian on XX/XX/XXXX. So, by law they should have been removed in 4 days which would have been XX/XX/XXXX. Today is XX/XX/XXXX and most of them are still on my credit report. 

I will be including the tracking data from the certified mail tracking number associated with this matter

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 2023-10-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has been on going since XXXX of this year and i believed XXXX had successfully resolved it when i filed with CFPB in XXXX but it seems all the credit bureaus are still reporting it as a mortgage and not a installment loan.

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I filed an official written complaint to Citi Bank and still have not received a resolution. They acknowledged receipt and gave me a complaint number of " XXXX '' but still no response. ( documentation available if needed ) The complaint is due to the fact Citi Bank disabled my internet banking access for my credit cards 3 months ago without warning or reason. I am signed up for E-billing so I no longer get my bills nor can make payments online. I have contacted Citi Bank on numerous occasions and was told they don't know how to fix it. According to regulations a written complaint must be answered and can't be ignored so I would like a written response to my complaint from Citi Bank. 

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 2023-01-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This is a formal complaint regarding a private student loan account with Navient XXXX XXXX At present, Navient has sent threatening/intimidating mail and has routinely harassed authorized representative about the account. Navient uses different auto dialer programs from random numbers in Washington, New York, and Pennsylvania with attempts to bully/intimidate this account representative and co-signor. This is a violation of 15 USC Code 1692d et seq.-Harrassment or abuse. Navient has received corrective notification via online portal that this authorized representative has exclusive POA  of this account. XXXX XXXX has been appointed fiduciary of this account. In addition, I have common law copyright of the all caps ENTITY and and have FULL FAITH AND CREDIT of the BC. I, as the living woman, was never given full disclosure that my living human was being used as a transmitting utility for the fictitious ENTITY created via the registration of birth certificate by the bankrupt UNITED STATES OF AMERICA XXXX. As a result, I am correcting all ENTITLEMENTS of use of this BC and SSN account which includes NAVIENT. In addition, I have sent documents reflecting the harassment and lack of cooperation with NAVIENT to correct this account. These documents have been sent to all branches of IRS regarding fraud, the DIVISION OF DEPOSITOR AND CONSUMER PROTECTION of the FDIC, and the SECURITIES AND EXCHANGE COMMISSION as formal complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ XXXX ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an item from XXXX with a return policy. I received the item and wanted to exchange it. I sent the item back and reordered the item I wanted. The merchant was to refund me upon receipt of the returned item. Customs received the item and requested the merchant complete the required paperwork for delivery. She refused. I disputed the charged with Barclays. They sided with the merchant. I refiled a disputed on XX/XX/XXXX and in the meantime they rebilled me for the disputed charge TWICE. I do not have possession of this item, I returned it and they have not protected me as the consumer and in fact have violated me even further by charging me twice. Instead of {$320.00} debt for an item I don't have I now have a debt of {$650.00} erroneously reflecting on my debt and credit reporting. This is wrong. Please assist me with this matter.

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