BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
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 two XXXX ornaments that were supposed to be 51 inches tall for {$99.00} using my Barclays Frontier card. When the merchandise arrived the two ornaments were approximately 12 inches tall and didn't even look like the ones we ordered. We sent the items back Certified Mail to the address the return address on the package we received. This was a scam. They knew what they were doing. I took pictures of the box I returned them in as well as the envelope they were shipped in through the US Postal service. I can verify through the US Postal Service that the items were delivered. However, this company denies that they were received. They refuse to refund me my money. I disputed through Barclays, provided pictures of the return envelope as well as pictures of the items that were shipped. They have denied my dispute and refuse to refund me and offer no solution. I asked them what I could provide that would enable them to refund me and they said there was nothing more I could do. The credit card claims to offer protection from fraud. I have complied with everything they have asked me to provide and still refuse to refund. I have done the right thing. I went ahead and paid off the card but I am not happy about it. I would like for them to honor the fraud protection they claim to provide.

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 monetary relief
Consumer complaint received 2021-11-10
Company: Foris DAX, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I opened an account on the Crypto.com app on or about XXXX XXXX, 2021. I followed the app 's instructions on how to wire money into my Crypto.com account so that I could begin trading cryptocurrency. A wire of {$1200.00} was made and confirmed through my XXXX XXXX account. Crypto.com said a wire transfer would show up in 2 business days. Nothing showed up in my account, but I remembered that they said an ACH transfer could take five business days. I thought maybe I accidentally did an ACH transfer, so I waited about five business days passed before asking about my money. I began inquiring about my wire deposit on Friday, XXXX XXXX, by email. They asked for some specific information about the wire, which I got from XXXX XXXX and got to them. They now say the information must be in the form of a " proof of payment document, such as an official bank statement '' ... so i sent them a snapshot of my bank ledger and an email from XXXX confirming the transfer. They continue to say this is not enough. My paper bank statement does not yet reflect the transaction, and I wouldn't share my bank statement with them anyway. 
They are stonewalling me, running me around and not doing anything to help me locate my funds. 
I know that Crypto trading is high risk but I didn't think that I would have my wire transfer stolen in literally the first transaction I made. 
I have begun the process of recalling the wire transfer through my bank, XXXX XXXX, which can take up to 15 days and is not guaranteed. 
I just want to make sure Crypto.com is compliant with federal money transfer regulations and that this doesn't happen to others.

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 2019-05-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has misapplied my loan payments and has not followed my instructions on how to apply over-payments resulting in an increase in loan balance. 

I made a payment on XX/XX/2019 as follows XXXX Direct Loan - Unsubsidized - {$50.00} XXXX Direct Loan - Subsidized - {$200.00} On XX/XX/2019 I provided Navient with notice of the payment, the confirmation number of the payment and specific instructions regarding how these payments should be applied. The payments were to be applied to the outstanding balance of the loan and were not to advance my monthly payment. 

On XX/XX/2019 I made my standard monthly payment which includes a payment of {$250.00} to loan XXXX and a payment of {$37.00} to loan XXXX. The full amount of the payment was taken out of my bank account but only {$200.00} was applied to loan XXXX and {$0.00} was applied to loan XXXX. 

I don't know why my payment was not applied correctly or where my money went. There is at least {$150.00} in payments unaccounted for plus the interest that has accrued because Navient did not applied my payments correctly. 

Navient sends out canned responses that do not answer my questions in response to my questions. Navient fails to apply my payments correctly. Navient fails to provide an accounting of how past payments are applied when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
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:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: MD
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: Problem getting your free annual credit report

Complaint:
This would be my eighth complaint on not being able to get the government authorized access to XXXX Listed are the seven previous complaints filed already : XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX On each of the listed complaints that request to gain access or have the restrictions and blockage removed so that my wife and I will be able to download the once a week annual-credit-report from XXXX or to be able to have the restrictions removed from the Equifax site that will allow us access to the paid or equifax.com accounts. 

In each of the previously opened CFPB complaints, their initial response has been " needing more time '' or " needing to contact provider '' when the complaints and subject matter deals directly with Equifax iteself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TD BANK US HOLDING COMPANY
State: PA
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:
I notified TD Bank in XXXX of XXXX that a fraudulent account had been opened in my name. They were provided all the appropriate information to validate that fact. 

In XXXX my XXXX  credit score declined based on derogatory information provided by them. I called them again on XX/XX/XXXX, and a member of the " fraud team '' told me that they mailed XXXX  on XX/XX/XXXX that the debt was not mine. 

Now TD Bank has referred it to a debt collection agency, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed through XXXX XXXX because transunion will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my transunion credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a zero balance on the XXXX XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.

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 2018-06-07
Company: JPMORGAN CHASE & CO.
State: TX
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:
XXXX XXXX XXXX-over charged on account {$300.00} to {$400.00}! 

AARP CHASE BANK-over charged {$1900.00} for dentures I do not have in my mouth, nor in my possession, and Ihave not received cost-benefit/effectiveness!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently Disputed this matter with XX/XX/XXXX and XX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Old information reappears or never goes away

Complaint:
Equifax for some apparent reason will not remove old accounts, and liens fromy credit report, they have negative accounts on there such as XXXX XXXX XXXX, and XXXX XXXX repossession that is over 13, and 9 years old, they have a XXXX XXXX account on my credit 5hat they were supposed to remove, 5hey still have not done that, the bureaus policy is negative information gets removed after 7 yrs, it is beyond that and they still have not touched it, after speaking on the phone with a rude representative that stated they will not remove the items, they also have a federal loan on there beyond 8 years they have not removed yet, everytime I try 5o file a dispute they block me from doing it by saying " Dispute Not Available '' .they do this purposely in effort to keep negative information on my credit even if the items are years past the statute of limitations for credit reporting I have attached evidence to this claim and hopefully the CFPB can enforce the laws of fair credit reporting to the equifax credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
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:
This is a formal complaint against Wells Fargo Card Service located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Card Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of XXXX XXXX, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very 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 2019-06-28
Company: JPMORGAN CHASE & CO.
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 belongs to someone else

Complaint:
I lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from. 


thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed a loan with Navy Federal XXXX XXXX and a week later Navy Federal Credit Union sent a repo team to collect a car I've never owned. They had my personal information that I believe the got from the title company. I had to sign a form that they would not share my info but it appears they did. 

The person they were looking for had a different social security number and birth date. That would have been easy to check before scaring my family and have us look bad in the community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-12-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I sent out letters to Equifax regarding inaccurate and unknown inquiries on my credit report to this day over 60 days later I have not received a response I feel like I'm being taken advantage of and being ignored section 611 ( a ) it's plainly stated a failure to investigate within 30 days gives reason for immediate removal. FCRA USC 1681 ( b ) a consumer reporting agencies can only report with the written instruction of the consumer. No consent by definition is identity theft I was also impacted by the Equifax breach I'm afraid my information my have gotten into the wrong hands if items are not removed I will have to seek litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: GA
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 obtained a copy of my credit report in XX/XX/XXXX. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/XXXX, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my Experian and XXXX reports 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 2020-12-21
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 belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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