BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-27
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My discover card was stolen a couple months ago along with my entire wallet ( including my ID card ) and phone. It was used to create XXXX  XXXX in fraudulent transactions. I disputed all the fraudulent charges made on my discover card and the majority were denied and readjusted to my discover account now showing on my balance. I need these charges taken off my balance as I did not make them & they were done fraudulently. I was told that the main reason for the readjustments were due to the merchants having proof of my ID card being used & transactions being approved via email or text. But as I had mentioned to the discover rep while creating the dispute, my ID card was stolen along with my discover card and my phone. My phone did not have a passcode on it leaving it open for anyone to use. 

Once the transactions were readjusted, I called the discover customer care center who forwarded me to the discover rep XXXX who told me the reasons why the transactions were readjusted. After I told him the reason why those were invalid and to have the readjusted dispute transactions taken off my balance, he began to insinuate that I had in fact made the transactions and almost started interrogating me in regards to the transactions. This was very unprofessional for Discover after being a loyal client for over 3 years paying my credit card in full every month. 

I filed a police report regarding the incident and an FTC identity theft report and have still been denied the disputes. I told XXXX over the phone to either check the security footage of the merchants where the transactions occurred or the signatures given to the merchants where the transactions occurred to figure out who did this with my card. I was told he was unable to check these things. Those XXXX pieces of evidence I listed would figure out who made these transactions and would clearly show that it was not me who made them. Yet Discover is claiming that they have " sufficient evidence '' to deny the disputes. What evidence? That my ID card was used during the purchases? That a verification code was approved via email or text? Anyone who looks even remotely close to me could have used the ID successfully. Employees checking ID 's quickly glance at them and most of the time don't care as long as you present them a real ID. & whoever had my phone had access to the gmail app and also all my text messages. These are not valid reasons to deny my disputes and I will not be held liable for XXXX XXXXXXXX in fraudulent charges that I did not make. 

This is unfortunate that I have to result to creating this report to settle this situation that should have been handled professionally by discover who I saw as a decent credit card issuer before this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sent numerous letters, in 2020 to Vance & Hoffman LLC. Stating that I am a victim of identity theft and that they must cease and desist all attempts to communicate with my in any attempt to collect a debt that I have no knowledge of and all are to discontinue from reporting false and misleading information to XXXX and XXXX and any other credit bureau that exist. 

Vance & Hoffman LLC - XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: RentDebt Automated Collections, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX. 
I have received a mail from a company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. 
The company have asking me to pay off amount {$1700.00} USD for a statement date ( XX/XX/XXXX ) that they've thought I owe to the creditor listed. 
This debt collector company have a several attempt to contact me by phone in an unreasonable hrs from an Unkown numbers. 
This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses or contacts etc. 

I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT MONEY FOR AT XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! AND I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. 

This letter contains : 1. copy of the mail that collectors have sent to me.

2. copy of the letter that I have sent to the collector as respond.

2. copy of receipt that proofs I have paid the full amount rent of the XX/XX/XXXX. 
3. copy of my auto insurance policy issue date that proofs I am in the state of South Carolina .

I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt collection who are in process of impact my life, I also need a protection on my personal data that has been breached by Debt Collector act, Such as SSN, BANK, Credit Cards etc. In order to cause a potential problems. also I need a protection on my personal data/ information from being forwarded or sold to any other company by RentDebt collectors act, I understand that personal privacy, data and information of any individual who are living on the land of United states of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or cause potentially negative impact to the residents of US. Or trying to algorithm/ or discriminate an individual, in order to cause lose of confidentiality or any other purposes. 

Sincerely XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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:
I have Been a victim of Identity Theft. I did not authorize these Accounts

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 2021-03-27
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I had a transaction go into my account for my sons IRS tax return and XX/XX/XXXX. Nothing happened to the account and we were able to access my sons funds. 1 week later both my son and my stimulus checks were deposited into that same account. This flagged my account and there was a restriction put on the account. I contacted the company and was told to simply send in a copy of my sons state issued I.D and the block would be removed in 2 days. After waiting the 2 days I contacted them back for information on the restriction and was told that they have never received my info even though we have confirmation that it was successfully submitted. A day later I called again and a rep advised that the ID was received and reviewed and my funds would be released no later than today. I asked about the direct deposit of my employer and if that would then effect the account negatively and was told no it would not. I called this morning and was told that my issue was being escalated for the removal of the block on the card and that if funds were still blocked after an hour to call back. Still no removal of the block after waiting 5 hours. I called back and talked to another supervisor who explained that now a new flag was on the account because my direct deposit from my pay has now been placed on the account. It has been 8 days and I have not been able to access any of my money. I am in a situation that me and my family could be homeless if we do not get access to our money because I have to move out in a few days. We have no food and our water is now shut off because we cant access verifiable funds in my account. I have spent countless hours speaking to the reps for this company and none of them have been capable to help me. I have been hung up on several times, promises have been made and not followed up on, and escalations that were never handled. In the last 8 days now going on 9 I have talked to more than 15 reps that all are telling me to do different things and will not help me. No one is noting the account appropriately and taking initiative to resolve the problem and I was told that there is no one to call in their fraud department. They have no workflow in place to talk to someone handling fraud issues. They cant email, phone or message a higher department for issues like mine. When handling ones money there should always be someone to talk to at all times, and I was not given that option as they don't have a department that is in place to resolve my matter. I have never been so disrupted and depleted from a company that would handle customers this way or their money.

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 2019-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Son tried to deposit XXXX into our Bank of America checking account via the ATM machine. As he went through the process he clicked deposit, selected cash and then it stated please insert up to 75 bills. He inserted the money and the machine stated counting it and then it stopped and then made a clicking noise, then a message popped up and said system error do you wish to continue and he click yes and it froze so he clicked no thinking it would return the money but it did not open or return the money. Another message popped up that this atm is experiencing technical problems and is unable to return one or more deposits items. We apologize for the inconvenience. A record of this will be printed. To help us correct your deposit please enter the approximate amount of the cash deposited. He input XXXX and a receipt printed for {$300.00}. I called the bank around XXXX and filed a claim and the rep stated only XXXX deposited and he would do a provisional credit in my account for XXXX and it would be available in 24 hours. he said if any problems they would contact me if they needed additional info. After we hung up, I immediately logged onto my account and it said my account was in the negative XXXX. I called the bank back and the rep told me that she see the credit pending for XXXX and the XXXX is available. I told her that i see my account in the negative and she said yes she see that which is weird. She put me on hold and called the fraud dept to see why my account was closed for fraud. They would not speak to me and they told her that my account had fraud activity. I eventually spoke to a rep from claims, customer service and the risk depart. The risk department told me that my account is froze and will be closed in 48 hours for invalid deposit. I asked what does that mean and why is my account being closed because the atm was experiencing issues. the rep told me that they have a monitoring company who checked and that my son committed fraud and did not deposit no money at all in the account and thats why my account is in the negative and I will not get my money back. Nobody could explain how any of this was verified they said they were not going to the atm to check the tape or look at the cameras because it was a fraudulent deposit. I need my money and i need them to research what happened and why they closed my account stating fraud. that is false accusations.

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 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am 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 2023-04-25
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


NAVY FC ( Finance ) XXXX XXXX ( Bank ) NAVY FCU  ( Finance ) NAVY FCU ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) NAVY FCU ( Finance ) XXXX XXXX ( Finance ) XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK ( Bank ) XXXX XXXX ( Bank ) XXXX BANK XXXX ( Bank )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX 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 2021-10-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax place a consumer report on my credit file that I do not want on my credit report and refuse to remove it from my credit file I did not authorize them to place any kind of statements on my record for lenders and creditors to see I would like this stuff removed from my credit report and they refuse to remove or remove the inquiries that I asked instead they placed my complaint that I filled with the XXXX on my credit report which is unacceptable and against my will I did not ask them to that and do not want that on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve this issue. They claim I owe a debt from a student university account and I have never attended their institution. I have provided a police report to them as well as written notices yet this item is still on my credit report. They have been unable to produce documentation showing the debt is mine nor bearing my signature. I did not signup for nor receive any goods or services. They also have incorrect address information. They are negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Account Services Collections, 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: Old information reappears or never goes away

Complaint:
Account Services entered into a contract with me agreeing to delete negative tradelines from all credit reports upon paying a past due balance of {$52.00}. I made the payment on XX/XX/2020. I received a letter via email on XX/XX/2020, confirming a deletion request was made to the credit bureaus. 

After 8 weeks, the negative tradeline had not been removed from my credit reports as promised. The negative tradelines still appear on my XXXX  and XXXX  reports until this day. 

The letter from Account Services states it would be removed between 4-6 weeks. It has now been more like 8 weeks. I have contacted both bureaus and have been informed that they only received an update to {$0.00} the balance, not delete the tradeline.

I have attempted to contact the Account Services via email to have this issue resolved and they have been unresponsive.

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 2018-09-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My original complaint regarding XXXX and XXXX XXXX, ( Complaint Number XXXX ) on XX/XX/XXXX, I complained that the account had been taken care of through an accident and I was released of liability. Since the complaint, XXXX has updated the account to report an account charged off in XX/XX/XXXX to a late payment in XX/XX/XXXX. XXXX has updated the amount from {$12000.00} to my being currently past due of {$13000.00}. How can this be? 

I have uploaded the release that was signed in XX/XX/XXXX, so it is beyond me why XXXX would report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions 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:
This account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed per 15 USC 1681c-2.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please remove these inquiries from my credit report as I did not authorize them. I have included the theft reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-07-17
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Complaint was filed on Ally to post my payoff to my account and provide an letter. Ally posted the payment, provided a letter but FAILED to report the account as paid in full with all three Credit Bureaus. The three Credit Bureaus are showing a open account with an balance of $ XXXX which is incorrect! The account should show {$0.00} and should be closed!

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 2021-06-11
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: Problem with personal statement of dispute

Complaint:
I sent a dispute letter for an account on my credit dated for XX/XX/2021 reporting inaccurate information and not following the guidelines this account is showing a past due balance on a collection account it my understanding that anything being reported has to be correct you can not owe on a collection account no one has responded to my request about this matter i would like this account removed immediately

Company response to consumer: Closed with explanation