BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance to the Fair Credit Act XXXX account # XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a Modification with Bayview Loan servicing and they told me I can't get it due to debt to ratio which is NOT supposed to anything to due for a MODIFICATION. That is only for refinance as I have friends in the mortgage business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Graduated from XXXX XXXX XX/XX/XXXX. 
Received notification from XXXX XXXX ( third party lender for books/supplies/software NOT tuition ) I am a Veteran - gain college degree via Post XXXX GI BILL. 
For 2 years - XX/XX/XXXX-XX/XX/XXXX went back and forth speaking with the school and XXXX XXXX and could not get a straight answer as to how I owe XXXX $ in Federal Student Loans? 

Lived on and came across Navient looking to collect same debt, then again a year later XXXX looking to obtain this obscene amount of money. 

Sent message today to complain to FSA. 



After graduation, I have battled back and forth with, at the time was XXXX XXXX, third party that provided loans for books/ supplies/software. XXXX XXXX showed an astronomical amount I owed ( 20 plus thousand dollars. ). I Contacted the school and XXXX XXXX numerous times to explain how this is possible. My tuition was covered under my Post XX/XX/XXXX GI Bill. Because I could not get an answer to this amount owed, what it was used for, etc. I chose to carry on with life as best I could at that time. Only response was " You need to contact the school and they should be able to tell you what they used that money for .... '' Time went by and I got a piece of mail from Navient ( which used to be XXXX XXXX ...? ) stating about the XXXX XXXX I owe in " Federal Student Loans '' and need to arrange payments. I was not up to the level of stress this was going to bring. I later came to speak with them, addressing my concerns and they opted for my account to go into forbearance I believe. Currently today XXXX is who has contacted me to start paying. I am speechless on these actions for this high amount to be paid by a Veteran that used his Post XX/XX/XXXX Bill for college tuition to better my abilities but am threatened by this amount to pay. 



XXXX XXXX XXXX Your case has been submitted! Your case number is XXXX. 
Thank you for submitting your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2022 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. The following information needs to be omitted, please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following name as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Omit the following inaccurate addresses as my address can be verified by my supporting identification and I have no relation to any of the below mentioned addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a claim in XX/XX/XXXX that has been denied numerous times & they will not provide me the paperwork as to why it keeps being denied as of XX/XX/XXXX it was reopened for a reconsideration & they informed me it could take up to 45 business days to come to a decisionI was advised the 45th business day fell on the weekend which was XXXX so to call on that Monday which I did still no decision now today XXXX im on phone with them still no decision still no information as far as my claim I do not understand how this company is able to do this I filed 3 complaints with cfpb prior to this pertaining to this same claim that still have not been answered by this bank how is this possible?

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 2022-03-15
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently in doing some research on my consumer credit file I learned that the student loan in my name that were serviced by Sallie Mae. I learned that the loans are for a school by the name of XXXX University. I never signed an enrollment agreement with XXXX University nor did I ever sign or agree to become a former student of XXXX University. This seems like fraud to me. I do not wish to be associated with XXXX University and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I did some research and XXXX University is no longer a school anymore. I do not understand why there is a student loan account listed under XXXX University in my name. I never agreed to this. I am requesting Sallie Mae to provide information stating that I agreed to be associated as a student with XXXX University. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Sallie Mae has the right to pursue loan payment from me for the school  XXXX University. I do not wish to be affiliated with XXXX University. I never agreed to any enrollment or loans with XXXX University. Therefore, Sallie Mae must substantiate seeking payment and reporting a loan payment history to my credit reports for the school XXXX University.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
so my complaint is again citibank i couple months i been having about 12 to 14 transactions with out my authorizationin XXXX washington when i call citibank to complain and dispute this charges i didnt receiveany help even when i was complaining iver the phone a transaction was preceding during the call in seatle i leave in XXXX XXXX california i got the letter from them that y dispute was denied i fight secon time they said that i used my pin number that are transatcions that i did i really upset with citibank now i got 2 small transactions again i dispute for this transaction again i not feeling confortable anymore with citibank i supposted be a trust bank even customer service is so bad no greet you as soon you enter one of the brunch if i need withdraw money the dont enough big bills ost of the time leave with a lot of 20 is so inconvinience i told them that i will complain with you guys because is no fair is my money and you trust a bank for your money to be safe and no they ending rob you. 
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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Identity theft accounts are not accurate and the accounts are not mines.they are damaging my consumer reports.

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 2021-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my credit report, when purchasing a vehicle. checked to find I was a victim of I.D . theft I filed a report. With F.T.C. and local police. And sent all to C.R.A. and usaa credit card account still remains in my report. I tried to get it fixed, but was denied due to it already investigated. after some time I was told by XXXX, XXXX  and XXXX  credit reporting agencies Fraud department that USAA reported to them that they had proof that I opened the account. Account Info Hover over labels for more details Account number XXXX account status Closed Date XX/XX/2020 opened XXXX Account type Credit Card - Revolving Terms. I have never opened an account with them. I need this resolved and removed from my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 filed a dispute on a {$100.00} charge on the 60th day from the date that the transaction was made which the transaction was made on the XXXX of XXXX for {$100.00} for a rental of a tuxedo, but in XXXX the company went Bankrupt and could no longer provide a refund due to being bankrupt. I then reached out to Navy Federal on the 60th day because I know that federal regulations only protect you for 60 days, navy federal provided a {$100.00} temporary credit but now have denied my claim and are refusing to give me my money back. I tried to appeal this decision via telephone which I was told no I have to go into the branch or do it in the mobile app which I do not have time to go to branch and I am not good with technology to do it over the app. Both ladies had an attitude and are extremely unhelpful and rude. They have threatened me saying they will take the money out of the account on the XXXX  and if they take this money out of my account I will not be able to afford my bills and this could cause a negative impact on my credit and my life situation. I would now like to be made whole on the {$100.00} plus {$500.00} pail and suffering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: OH
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 filing a complaint regarding unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. I do not have any of these financial products and I do not wish to have an account with these companies please delete them they are errors and I never signed any documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX I called Comenity Bank customer service, to explain that I've been having difficult situation, asking for a payment plan, the representative at any moment told me that my account was closed, back in XXXX ( which I didnt know ) she just said " I will transfer with a department can help, they transferred me, and answer a guy named " XXXX '', at any moment he identified as a collection company, he right away asked for a payment, he not even mentioned or stated the collector statement " he was attempting to collect a debt .... '', I explained my situation and he all the time was pretending be a bank representative, he told me to pay {$340.00} and he promising to waived all my late fees which was {$100.00}. and then my credit card would be in good standing. I accepted and made the payment, and not even at the end he mentioned that was a collection company. I called back next day ( XX/XX/XXXX ) to make sure if {$100.00} wasn't credited on my account ; obviously, same thing happen, customer services transfer me to " department can help '' without mentioned that they were transferring me to a collection department, I spoke to rep. named " XXXX '' and she transferred me to " XXXX '' and finally they transferred me to supervisor named " XXXX '', none of them identified themselves as collection company representatives, of course without mention the statement of intent to collect a debt. I found out that something wasn't right, and after several question from me they told me that they wasn't the bank, that they were a collection company, I was peace off, why lie to me just to collect a payment, I told XXXX that I was going to cancel the {$340.00} dollars on my bank, which I did it, immediately after hang out with them. it is an unethical practice use a collection company that lie just to get payment from customer, without follow the proper protocol collection companies must have. Also ; Im still receiving regular monthly statements, on paper and by email, the last one was received on XX/XX/XXXX ; ( attached on documentation ) with NO information that my account its been canceled and transferred to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person

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 2022-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items below, but the bureaus have not removed them or proved validation. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to bemlish and degrade my character as if I do not pay debts owed to me.

I request for admissions 1. The original wet blue ink contract with this 2. Consent I have given to you to contact me and put this alleged debt on a public record?

3. where do private people have public debt?

4. What law says that private people are debtors 5. Do you operate under Title 12?

I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness. 

If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC 1983 suit. 

WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE # 11USC109 # UCC3_603 # 12USC412 # UCC9_307h # 18USC8 # Art1sec8cl1

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
A late payment has been added to my account 3 times erroneously. I checked my credit report recently and it even says that I have a 30 day late XXXX & XX/XX/2022. How can that be on an acct thats been closed since 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 2021-05-04
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
While doing my taxes for XXXX I realized that I received a 1099 form from Square for {$790.00}. Attached is a picture of the form. I believe this is related to an incident in 2020 when I was getting spammed non-stop with referral bonuses on Cash App within a day or two. I didn't even withdraw a cent, and my account was shut down for fraud or whatever. I'm not sure how the referral bonuses were coming in, so that's why I didn't withdraw any of the funds. Now that I have this 1099 issued, I would have to pay taxes on that {$790.00} of reported income. I contacted Cash App support via XXXX, phone, and e-mail in the past few days. Both support on XXXX and phone said that it could only be handled through e-mail. The e-mail support was initially very responsive, but I wasn't getting any resolution. A different support agent was responding to the e-mail chain each time. The responses are very similar and clearly generated somehow. Nobody seems to grasp my issue. According to support, my account was closed on XX/XX/2020. That's about all the info I could get. They said once the account is disabled, it can't be accessed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Since signing up with XXXX XXXX last XX/XX/2017, I have come to realize that after paying XXXX XXXX {$2000.00} I have been defrauded of my money, because I was NOT provided the service as was described to me, that is the reason for this dispute! 

It is my belief that not only was I was taken advantage of because I was gullible and older and couldnt remember that way they could. But that he knowingly sold me services under false pretenses. 

I saw a XXXX ad about opening an online store, I decided to check it out, thinking it would be a good way to make money since I am no longer able to hold down a job due to my physical problems. I later received a high-pressure sales call from a representative. He talked about a Blog content and Custom Logo, to establish my online e-commerce business. 

I quickly explained I hadnt any money, he asked if my credit was good and talked me into obtaining more credit cards to pay the {$2000.00} he was asking for. I have not made any money and now I am left with severe credit card debt that I cant afford to pay back. 

I read an article from the FTC about their ongoing investigation with companies such as this one. Please help me get my money back from this company.

Company response to consumer: Closed with non-monetary relief