BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the credit bureau Transunion has sent me a letter asking me to show additional information regarding who I am. However, I supplied them with a copy of my drivers license and a picture of mail that arrives to my residence with my name and address showing. they are asking me for a full social, which is not needed. I believe that this is a stall tactic on their behalf. in addition, the credit bureau states that they have verified all the information at hand. i ask them to please send me proof of how it was verified as accurate, and they have failed to do so. i need to see verifiable proof of how these accounts were verified and that they indeed belong to me. itemized bills are not sufficiant.

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 2020-11-02
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter XXXX from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and Navient is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to Navient. Navient reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as Navient took over the account XX/XX/XXXX. With interest, Navient is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, XXXX  and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring Navient to prove the {$30000.00} in loan as Navient can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have Navient provide copies of loan contracts that I signed both to me and to the credit bureaus. Navient has not provided me with one lender signed loan contract. I am requesting that you mandate Navient correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If Navient can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my Navient account as a straight principle payment. XXXX, with Navient stated today XXXX XX/XX/XXXX XXXX on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have been a victim of identity theft.

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 2020-11-02
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 my card had been charged in the approximate amount of {$1300.00}. I was given a provisional credit of {$640.00}. I was refunded the remaining amount. The bank then took back the provisional credit of {$640.00} dollars. I appealed the denial for my {$640.00} and sent proof of location and time cards as well as a police report. The charges in question are from illinois and california. The bank Navy Federal Credit Union denied my claim again for the second time. They stated that since i used my card at my gas station next to my house i must have made the in person purchases in illinois and california. They refuse to give my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CITIBANK, N.A.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I contacted my bank, Citibank, online to make a money transfer from my Citibank Accelerate Savings Account ( account number XXXX ) to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX account number XXXX ), with its branch office in my hometown of XXXX, Tenn, XXXX. 
When I called the Citibank consumer assistance phone number, XXXX, I was transferred to a Citibank customer service representative ( who I later learned was XXXX XXXX, working out of Citibank 's customer service office in XXXX XXXX, Texas, XXXX area. I explained that I wanted to transfer all of my funds from my Citibank accelerate funds ( balance of {$170000.00} ) to my XXXX XXXX XXXX account. She said she could handle the transer and wanted to know I wanted to transfer the funds through XXXX, explaining that XXXX was a national firm that made it easier to transfer funds from one financial institution to another financial institution. But she fraudulently attempted on XX/XX/2021, to transfer seven transactions to a private person named XXXX XXXX and another XX/XX/2021 transfer of {$20000.00} to a person named XXXX XXXX. I got all the transfers cancelled except one for {$160.00} to XXXX XXXX. Citibank in a letter to me on XX/XX/2021, acknowledged the possibility of fraud in these transactions and indicated they were doing an in-house investigation. Due to Citibank 's hundreds of offices and thousands of employees and complex online sites I was never able to determine the outcome of this investigation, though the Citibank employee XXXX XXXX had committed several apparent fragrant counts of fraud and attempted fraud. 
I have subsequently changed my Citibank accelerator account to a Citibank checking account ( account # XXXX ) and removed the bulk of my fund.

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 2018-04-02
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Between XX/XX/XXXX and XX/XX/2018, I received multiple ( 7 ) cash advance fees ( {$10.00} per fee, so {$70.00} total ). These were charged after purchases at XXXX. XXXX is a website where cryptocurrencies like Bitcoin can be purchased. Before XX/XX/2018, I have purchased from XXXX at least 10 times without ever receiving a fee. 

After contacting BarclayCard, it was explained to me that that on XX/XX/2018, the Merchant Category Code ( MCC ) for purchases at XXXX was changed to something similar to when chips are purchased at a Casino. 

I then asked Barclay if they had ever planned to let their customers know this change had taken place and they should perhaps change the way they do these transactions to avoid these fees and they said something to the effect of " No, it is the customers responsibility to understand how these things work ''. 

I felt that this was unfair for a few reasons : -None of my previous transactions from XXXX XXXX   had fees before XX/XX/XXXX. 
-Therefore, If I were given a fee when i first tried ordering from XXXX XXXX I would have never made so many more orders that accumulated these fees. 
-These fees were given over the course of a week without any notice from Barclay Card . They did not happen immediately so even if i checked the same day or a day later I would have still suffered these penalties. 
-A transaction I made between XX/XX/XXXX and XX/XX/XXXX was not given a fee, so the date they decided to start charging me the fee was seemingly arbitrary. 
-On a personal note, when i spoke to a manager, she said something to the effect of " You should be happy that I ( she ) don't go back and charge a fee for each time you used coinbase ''. There were 11 earlier times. I feel like this was a threat, or at least i felt threatened, not knowing whether or not this was an actual thing she could do.

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 2018-07-28
Company: Flagstar Bank, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We sent the following email to the Flagstar Class Action Settlement email and received no response, after reaching out to a Flagstar Banking Representative on XX/XX/2018 and we received no response or follow-up and are requesting that our checks be reissued for payment : Hi Flagstar Overdraft Settlement Dept, We just received the following checks in the mail on today and would like to please request a  reissue of the the checks, since you have cancelled the settlement checks from being negotiated after 60 Days : 1. Check # - XXXX - {$80.00} - Dated XX/XX/2018 2. Check # - XXXX - {$13.00} - Dated XX/XX/2018 We reached out to The XXXX XXXX XXXX  on this morning and they stated you would reissue the checks. 

Again, we received these checks today - XX/XX/2018 from the following address : FLAGSTAR BANK OVERDRAFT SETTLEMENT XXXX XXXX XXXX XXXX OR XXXX Also, your Postage was Dated on XX/XX/2018 and Stamped by an Internal System XXXX XXXX U.S. Postage. This is the same date as the Check Date. Was this purposefully done internally by Flagstar and held for 6mths to withhold Settlement Dollars? 

We truly appreciate your time and consideration and look forward to hearing from 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 2020-11-02
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:
Upon applying for a mortgage loan I reviewed my credit report and noticed several inquires that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: MA
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:
After contact the credit bureau to get my credit report updated on XXXX XXXX XXXX XXXX, the credit bureau said everything is being reported correct. 
I filed with XXXX XXXX XXXX XXXX that responded the credit bureau is refusing to updated the information sent every month because of not accepting my name ( legal discriminations on by view ), in attach is the XXXX XXXX XXXX response where is wirten the credit bureau are solo responsible for not having my credit updated correctly. 
What intrigues me is that my name is accepted for hard inquiry but not for the monthly payment report, again I feel like discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX [ XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ] has pulled a REGULAR INQUIRY on XX/XX/XXXX and XX/XX/XXXX, without my consent. I am not a XXXX XXXX credit card holder. They also pulled a INQUIRY ANALYSIS on XX/XX/XXXX, utilizing a very old address of mine ( over 10 years old ) : XXXX XXXX XXXX XXXX, XXXX, MN 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 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-07-17
Company: Experian Information Solutions Inc.
State: AZ
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 have been a victim of identity theft.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: CT
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 submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted Experian and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX  so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting Experian I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

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 2017-08-04
Company: EQUIFAX, INC.
State: CA
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:
We need to complain that the   XXXX   Credit Agencies simple reporting system from the banks, is biased against the consumer and small family.Our standing with  XXXX  was misrepresented.
This misrepresentation is intentionally built into the Credit Agency 's systems!
We, the consumer, must have an equal opportunity under our common law rights. This has been denied us.
an equal opportunity to present the ongoing dispute, the facts and actions of the parties.And an accurate and equal The Credit Agency 's ignored the facts, the actions of  XXXX  in refunding us 100 % of all 'late charges ' The facts and actions of the parties are as follows ; a ) There was only one occurrence of a late payment, about 30 months prior to  XX/XX/XXXX .At that time l was in Intensive Care a. We asked   XXXX   for the regular paperwork showing our balance, so we could make a special 401k claim to catch up with the balance.
We had not been late prior to hospitalization. Despite numerous phone calls   XXXX    never supplied the norcmal paperwork in a timely manner. Later   XXXX    produced Fraudulent papers to 'clim ' they sent the papers on time.
We were n't the only family suffering from   XXXX   unfair servicing on the same issue.
b ) We never were further behind than that one occurrence ( of two late months ) during hospitalization.
But   XXXX    marked the binary system late every month, after they refused to supply the paperwork, which would have allowed us to be current.  XXXX  themselves stopped us from becoming current, then charged us late charges for about two years or more. This became a serious disagreement with  XXXX .
c ) In the few years since that first occurrence l was hospitalized about fifty percent of the time. And on  XXXX  for eighteen months. Even so, we never extended the two past due payments, past the one time only original occurrence.
d ) In  XXXX /  XXXX   we reached an agreement to sell our house and informed  XXXX  we needed to agree to 100 % of the pay-off.  XXXX  agreed to take the action of refunding 100 % of all late payments.
e ) The dispute took a turn, when  XXXX  stopped making any late charges against us in  XXXX .
f ) This action meant the binary reporting method to Credit Agencies was unfair and incorrect. It is biased against families, allowing big banks and the   XXXX   major Credit Agencies to unfairly and wrongfully impose huge damages on our family.
f )  XXXX  actions speak louder than computerized binary reports.On  XX/XX/XXXX   XXXX  took ACTION and returned to us 100 % of all late charges.
These binary reports ignore the actual state of affairs and the refund action.
Our direct damages today, due to the biased credit reporting is over {$100000.00} and will climb substantially after  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: The Regional Adjustment Bureau, Incorporated
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since XX/XX/XXXX I have contacted XXXX lender and the collection agency Regional Adjustment Bureau ( " RAB INC '' ), several times to get clarification about the loan balance details because they doubled the balance of the student loan from $ XXXX to $ XXXX. When I requested the detail information I found that the original lender may have changed and at the moment I do n't know who is the lender. Currently I am in collections and they have told me I have different balances : first $ XXXX, then $ XXXX and now $ XXXX. When I recently called them XX/XX/XXXX they informed that my balance was {$65000.00} but denied to give me any details ; at the same time I was asking them about affordable options to repay the debt, including a rehabilitation program that they have information about posted on on their website " Regional Adjustment Bureau, Inc '' ; they indicated that I do not qualify for that, but at this point I do n't trust them with the information. I need clarity about the balances and details about interest and fees as well as options to rehabilitate the loan. My impression is that excessive fees and interest are being added to the loan. I need obtain accurate information. Also, I need to know who is the Lender and how to get in contact with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief