BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: Navient Solutions, LLC.
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern : Is my correspondence with Navient with whom I apparently owed {$49000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, that I have repeatedly made these offers. Navient on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2019, they have not given a response. This settled the matter once and for all on XX/XX/2019. 

To date, Navient has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I have also sent this information to XXXX, XXXX  XXXX XXXX and XXXX. 
I would appreciate if you would review my documentation and obtain a statement of facts from Navient outlining exactly why they can not produce the original instrument of indebtedness. The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: MD
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 previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow-up for a previous CFPB complaint ( XXXX ) against TransUnion submitted on XX/XX/2023. My complaint was about an item ( XXXX XXXX ) that was illegally inserted in my credit file. Transunion responded that they were falsely working on my issue and CFPB closed my complaint. Shortly afterwards, I received a letter from Transunion dated XX/XX/2023, asking me to provide them with information because they are unable to locate a credit report for me. Which is also not true, because I sent a validation letter to them dated XX/XX/2023. Transunion responded on XX/XX/2023 that the alleged debt was " verified as accurate ''. Please see letter attached. Therefore, their claim of not being able to locate my credit file is un-validated. I have never had a contract, spoken with anyone from XXXX XXXX nor received any kind of written communication from them prior to them inserting the alleged debt on my credit report. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact. The debt validation letter includes : The amount owed. A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. A statement that if you request information about the original creditor within 30 days, the collector must provide it.

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 2019-12-22
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bull City financing will not accept my dispute for {$1400.00} I keep telling them I left the house and someone cut the power back on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is attached to a loan I never signed for or agreed to. The promissory note does not have my signature on it and after dealing with the company for over 11 years now I have reached a stall. They refused the fraud packet I filled out in 2006, They continue to contact me but have blocked me from contacting them. I have reached out to XXXX XXXX of PA and XXXX  XXXX of NE with no change. I have contacted the three reporting agencies of credit and they refuse to look into it. I have contacted a private attorney and they want XXXX to start with. The loan I am attached to is under 10000.00. I have contacted the state attorney General for NE and PA with no response. The American Education Services has lied to me at every turn and they know they have my credit hostage. They are a part of the government and have no Bussiness dealing with private student loans but they paid off who ever to get the contract. They continue to scam and no one will question what they are doing. I just want my name removed from the loan and my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2021-12-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I tried to set up auto pay several times prior to XXXX in XX/XX/XXXX, Auto pay was not working and I was under the impression that the autopay was working. When I discovered the situation I paid the account back to current. Tried to set up autopay and it still did not work. I spoke with a representative on XX/XX/XXXX about the 90 day delinquent status on my credit report and was told they did not credit department for me to speak to someone directly and that I would have to file a dispute with the credit reporting service.

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 2023-07-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
in 2021 irs sent a direct deposit to wells fargo bank where it was deposited XXXX XXXX XXXX has never had an account with wells fargo before. the amount was XXXX .irs send to the bank for the return of the money because was not in my account now wells fargo refuse to give an answer about the return of such money been two years I have been back and forward through them both with the run around I am just lost with what to 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 2018-10-04
Company: EQUIFAX, 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 do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
About 1 or 2 weeks ago ( XX/XX/2023 ) I wrote to Capital One, XXXX, and XXXX in regards to their being income reported on my consumer report. I am complaining about the inaccurate information on my credit report by Capital One, XXXX, and XXXX. They have reported charge-offs as income, which is wrong and misleading. Charge-offs are canceled debts, not income. The law says that creditors must send me a Form 1099-C to report canceled debts as income, but I have not received any from these companies. I have also not claimed any income from canceled debts on my tax returns. I have sent them dispute letters with my identification and proof of identity theft, but they have not corrected the errors. I want them to stop reporting charge-offs as income and remove them from my credit report. I also want them to send me copies of the Form 1099-C if they have issued any. This is affecting my credit score and my ability to get loans and credit cards. Please help me resolve this issue as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: NC
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 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 2021-01-31
Company: CITIBANK, N.A.
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:
I have an item being reported fraudulently to my credit files with XXXX, XXXX  and XXXX from Citicards. I have never opened an account with this company, ever much less made a deposit with them at any point in my life. This is an identity theft issue and I have disputed this several times with Citicards, XXXX, XXXX and XXXX, yet they continue to report this fraudulent item to my credit file. I have made each of them aware this is an identity theft issue, yet they continue to not only fail to remove the item, but they are violating Section 609 FCRA by not providing information required under Section 609 FCRA. ( See attached notice of Federal Trade Commission Lawsuit Against XXXX ). XXXX engaged in this very same misconduct and was eventually sued by The Federal Trade Commission for not complying, with Section 609 FCRA. Additionally, please find my specific request sent to each of the aforementioned parties.

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 2023-07-21
Company: SYNCHRONY FINANCIAL
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I made a purchase in XX/XX/XXXX for a promotional 6th month No interest purchase, which ended in XX/XX/XXXX. I did not completed total payment in XX/XX/XXXX but in XX/XX/XXXX I submitted a payment of {$1000.00} and in XX/XX/XXXX payment of {$300.00} and I call CareCredit customer service to verify my completed payment for my expired promotional purchase in XX/XX/XXXX. In my XX/XX/XXXX bill it does not show the expired promotional balance and in my total balance it shows I still owe that balance purchase from XX/XX/XXXX. On XX/XX/XXXX I called CareCredit Customer service and they said I still owed that balanced but it does not show in my XXXX XXXX  monthly bill. CareCredit is hidden that paid off purchase from my monthly XX/XX/XXXX bill. 
It is fraud to hide bills that I owe, and I paid off the purchase from my debit card and I have my bank account receipts to prove it.

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 2021-04-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The Navy Federal Credit Union sent me all of the money in my saving and checking accounts as if to close my accounts. They sent the check in the amount of {$98.00} with no letter of explanation whatsoever. 

I can only assume that I am being punished for my complaint against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX I paid a company to eliminate these bills for me They only show a certain amount eliminated This should have been paid in full still showing on my credit I sent multiple messages to XXXX University and Student loan explaining this. All done between XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My US mail is currently being forwarded to my second home address in Montana. Yesterday in my forwarded mail I received a new credit card from Bank of America labelled as an Allegiant rewards card. Also in the mail were three identical notices that Bank of America sent stated that they " detected suspicious activity on your credit card and as a precaution, we've temporarily suspended your account. '' They also stated that they tried to call me but I have no record of those calls. They gave an 800 number to call them right away. These letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called the 800 number yesterday and Bank of America did locate my account with the number that was on the credit card and closed the account calling it fraudulant. They advised that I call the three credit bureaus and social security administration to put " watches '' on my profile.

I recently flew with Allegiant Airlines and while using their website to check in for flights, I noticed that most links that I clicked on threw errors. I suspect that this card was opened due to their website being hacked. I can not contact Allegiant as they do not publish any phone numbers to contact them.

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 2023-01-17
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:
XXXX Bank account number XXXX date opened XX/XX/XXXX amount XXXX. 
Account was removed and my initial dispute XX/XX/XXXX then reinserted 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 non-monetary relief
Consumer complaint received 2023-01-17
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase closed my account back in 2018 for unspecified reasons. Since then, I have been desperately trying to get my transaction history for tax purposes, to no avail. They have sent my transaction history in pdf format, which I can not use for tax purposes, rather than a XXXX or XXXX file. The file they sent also contains no information regarding transactions made on Coinbase Pro ( formerly GDAX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After looking through my credit Ive found someone has gotten a hold of my credit information and have attempted to use my name and credit

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX have fraudulent accounts on my credit profile that need to be removed 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 non-monetary relief
Consumer complaint received 2018-03-07
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Two ( 2 ) years ago today, XX/XX/XXXX, LexisNexis accessed my credit report which was under Initial Fraud Alert due to report of ID Theft on XXXX XXXX XXXX for XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me based on XXXX  credit report sent to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me stating " we are unable to authenticate you on information we received '' -- different Consumer #, different Case # ; but sent to me and my address of record since XX/XX/XXXX exclusively. 

Keeping it simple here and starting @ the beginning since it disappears from credit reports tomorrow. If an American consumer, who is an Identity Theft victim, can not be authenticated by a company who is in the fraud detection and identity verification business? What possibility do you think exists for " contacting and working with this company? '' By the way, XXXX XXXX XXXX , XXXX is NOT accredited by XXXX ( XXXX XXXX XXXX ) see attached five ( 5 ) documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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