BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX  XXXX and during that time my debit card was used to steal my veterans compensation deposits on XX/XX/2020 and XX/XX/2020. Over {$4000.00} was taken and Navy Federal denied my first claim automatically due to the amount of money involved. I submitted all info requested including a letter from the XXXX  stating my XXXX  dates and also the police report I took out due to the theft. I was denied a second even though I submitted clear and overwhelming proof that it was an unauthorized user and not me withdrawing the money. I was in XXXX and there is no way I could have made the transaction yet navy fed still denies my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18 Capital One 360 allowed an online unauthorized debit card payment to XXXX in the amount of {$2400.00}, overdrafting a checking account that was not opted in for any overdraft agreement between myself and CapitalOne360. I disputed the item as fraudulent and was given the disputed amount back on XX/XX/18. On XX/XX/18 CapitalOne360 reversed the credit again unlawfully overdrawing the checking account to {$2400.00}. On XX/XX/18 I disputed the unauthorized amount again as fraudulent and was told I may or may not be allowed to dispute a second time. I inquired about my having never opted in to overdrafts on the account in the first place and the representative would not appropriately answer my questions and only preferred to confuse the situation by not looking back to the original overdraft date of XX/XX/18. This overdraft was not only fraudulent but was unlawfully taken on an account not secured by overdraft protection agreement and also surpassed the daily threshold amount on ACH payments regarding online debit payments for a simple checking account without any regard for contract or statutory legal limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I received an email that a payment was due on my account. I called in and spoke to a representative and they notified me that I had a missed payment. I was told on previous occasions that Navient does not report missed payments to the Credit Bureaus until they hit 90 days. The gentlemen that I spoke with also confirmed this and said that as long as a payment is made by XX/XX/XXXX there would be no negative Credit Impact. I immediately scheduled a payment. 
On XX/XX/XXXX, I received a credit alert that I am 60 days late ( attached ). 
The account never went over 30 days late and I believe that payments were improperly applied. 
Looking back at my bank records and online Navient Profile this is inaccurate for multiple reasons. 
Going back to XXXX, there was a payment made on XX/XX/XXXX then on XX/XX/XXXX, the account had never gotten 60 days behind. 
Also, the Online Portal shows payments for all three months being received back to XXXX, which contradicts what is being reported to the credit bureaus. 
Also, the account went from 0 Days Late to 60 Days Late. How can this be possible? There would need to be a 30 Days Late. A 60 Day Late payment has a much bigger impact than a 30 Day Late, which is unfair to the consumer. The consumer should be alerted to be given the chance to correct anything before it hits 60 Day Late Status. 
Enclosed is documentation supporting my request : Please investigate this matter and correct the disputed items as soon as possible. For many reasons I believe this should be corrected. Most Notably, I was told inaccurate information from the Customer Service Rep on XX/XX/XXXX, who clearly stated that there would be NO CREDIT IMPACT AS LONG AS PAYMENT WAS MADE BY XX/XX/XXXX, which can be heard from the recording of the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2021, I made payments of {$300.00} and {$25.00}, and on XX/XX/2021, a payment of {$10.00} to XXXX XXXX XXXX. These payments have not been reported to Experian and XXXX. I spoke with a representative named, XXXX and he told me that XXXX has not updated the credit balance of my loan with nor have they reported the correct balance of my visa account. This has hurt my credit score immensely and when I spoke with XXXX, the agent did not appear to care or have any good knowledge. I told him that the bad reporting is hurting my chances of getting employment and he did not care. I think it is wrong that they fail to report the correct information and it affects my score tremendously and means of gaining employment.

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 2020-09-14
Company: Experian Information Solutions 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 am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft.

I had request to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

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 2020-09-14
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft.

I had request to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it 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 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 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 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 2018-01-31
Company: NCB Management Services Inc.
State: OK
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 and XXXX a is reporting XXXX XXXX and NBC Management as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: NC
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:
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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 am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. 
I had request to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

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 2022-10-04
Company: Netspend Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've called Netspend numerous times about multiple deposits missing out of my account.They refuse to look up the ACH ID TRACE NUMBERS for these missing deposits.XXXX XXXXXXXX I've called them for missing deposits and Today XX/XX/XXXX I've also called them for more missing deposits.How am I going to get my money back?

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$940.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-07-19
Company: Experian Information Solutions 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 did not authorize any of these accounts I've 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 non-monetary relief
Consumer complaint received 2018-08-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have completed numerous disputes with Equifax in regards to my XXXX XXXX XXXX and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and XXXX both removed items. Equifax removed the items then placed it back. Not to mention they are repeatedly showing XXXX as a open delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: NJ
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:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters in the past with no response and this has become a very stressful situation.

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 2019-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 at XXXX, I was contacted by Portfolio Recovery Associates regarding a debt. I confirmed with them that they were speaking to XXXX XXXX, but did not live at the address provided. I told them not to contact me again about this debt On XX/XX/2019 at at XXXX, I was again contact by Portfolio Recovery Associates regarding a debt. I confirmed that they were speaking to XXXX XXXX. When I asked what company the debt was with, they refused to provide any information. I let them know I was going to file a complaint with the CFPB if they did not stop contacting me because I do not live at the address that they stated on the phone. 

If this debt is related to XXXX XXXX, I filed a previous compliant with CFBP against XXXX  and their debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX in compliant XXXX. 

I am also trying to find out how they are getting my personal phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received my move out statement from my landlord. We disagreed and i disputed the charges within a week. XXXX called and i let them know Ive sent a dispute and waiting for a response. No response from the landlord so i took initiative to call XXXX for a follow up. XXXX XXXX was not in office at time so i left a voicemail stating my concern and requesting a call back ASAP. No response from the landlord proving the debt or countering my dispute. No response for XXXX after i made efforts to resolve this matter. My credit has been terribly damaged and XXXX keep sending letters in the mail threatening to take legal action/garnish wages but cant do their due diligence. I havent even made a payment plan with XXXX. Both company and landlord has refused to communicate and have ignored my disputes. I want this removed from my credit immediately as i havent received proof or response to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: OH
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:
The unverified item remain on my credit report in violation of XXXX XXXX. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

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 2022-12-19
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'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

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 explanation