BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: WELLS FARGO & COMPANY
State: CA
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 had no idea this was happening until I received a text on XXXX XXXX XXXX XXXX XXXX regarding suspicious activity. This means that since XXXX XXXX until XXXX XXXX the scammer was just slowly chipping into my checking account. I turned my card off, called the Wells Fargo fraud department and made a claim. The following days XXXX XXXX some charges went through. I disputed those and the claim is open as of now, though the charges were kicked back to my account as there was a stop payment in place for those charges. This larger claim, however, was closed. I just looked at my account and I was only refunded XXXX even though the charges total XXXX. It is beyond me why it took so long for them to send me the alert regarding fraudulent charges. Furthermore, it appears as though their investigation found that the charges were legitimate. I had called XXXX the day after I called Wells Fargo and the gentleman I spoke to said that, though he could not give me many details, the XXXX XXXX  associated with the charges was not mine nor was it registered in the same geographical location as I was. He also put in a refund request but could only go back to about mid- XXXX. Every single one of the charges is for "PURCHASE AUTHORIZED ON *date* XXXX XXXX XXXX (some long #s, all different) XXXX XXXX". I googled it and apparently it is a common scammer.

The following are all of the transactions: 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 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 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 explanation
Consumer complaint received 2019-12-06
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to get my two co-signers released for the past 10 years eventhoug I was doing all the right things. some of the reasons they denied to release my co-signers was, when sallimae transferred my accout to Navient " some of my loans fall off from the auto pay so it disrupt the requirement of 12 consecutive payments to release co-signer '' ; eventhough that was their fault. Second, one of the many agent I spoke to stated that the payment plan that I was place on doesn't allow co-signers to be released when actually that payment plan was offered by an agent who stated that it is the required payment plan to release co-signers. when i increased by payment plan. Because of the increased monthly payment I started strugging financially and started maxing out on my credit cards. I call navient again to ask other options and discuss my struggles to make the payment that was a required plan to release my co-signers. the agent I spoke to stated that " I don't know why your payment was increased, your payment plan before was required payment plan ''. the other reason was my " credit score was not in the accaptable range to release cosigners ''. How can a person maintain a good credit score when making a student loan payment more that a rent. I am not in good terms with my co-signers, they have a lot of resentments toward me and I don't blame them. One thing for sure though, If I new this would have happened to me, I would have not gone to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls at least four times a day from different numbers, which are listed below. Never leave a voicemail and have never mailed any amount due. 

XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXXXXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX, XX/XX/XXXX XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XX/XX/XXXX ; XXXX XXXX., XXXX XXXX. 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy the reported payment history of these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8900.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}

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 2019-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to initiate a Credit Freeze with Equifax. My efforts to do so online did not work and they asked me to call. As part of their " security '' questions the asked me for the monthly amount of my payment to my credit card. Since this is not a set amount and the minimum depends on factors like outstanding balance and whether or not I had recently made a payment, there is no rational answer to this. For me, it literally could be $ XXXX for my most recent statement or {$370.00} for the prior month. 

Because I was not able to answer to their " satisfaction '' they refused to initiate my freeze - despite the fact that I answered EVERY OTHER QUESTION correctly. If Equifax is going to use the vague item to identify individuals they need to be VERY clear as to which month they are referring and then permit individuals the time to find the statement and/or log into their account before berating the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. XXXX XXXX Late Payment {$920.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$75.00} XXXX XXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$78.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Collection {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Collection {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXXXXXX XXXX {$630.00}

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 2023-03-21
Company: EQUIFAX, INC.
State: IL
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:
XXXX is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received mail from XXXX XXXX XXXX XXXX in late XX/XX/XXXX that I owed an amount of {$370.00} for regular XXXX   visit for my son. I called them and they said that charges pertained to services performed on XX/XX/XXXX and XX/XX/XXXX that was denied by my insurance, with the reason from insurance company stating that my son had another primary insurance. 

I contacted the insurance ( XXXX XXXX  ) after I received the mail in late XX/XX/XXXXand they explained that the claim is too old for them to process anymore. My complain pertains to the fact that XXXX XXXX XXXX XXXX did not make any contact with me till XXXX, and a timely follow-up with the insurance would have clarified and resulted in claim being paid. I tried calling XXXX XXXX  many times and left 3 voicemails that were never returned. 

I followed up with my insurance on XX/XX/XXXX to get more detail and they explained that my son had another insurance during that time period per their system, which was not correct since the other insurance verified to me that my son was not covered by them during the concerned time frame. 

Now XXXX XXXX has sent it to debt collection and debt collector refuses to consider the fact I did not receive timely follow-up from XXXX XXXX and it is negligence on part of XXXX XXXX  that resulted in claim not being paid and also that this could not be resolved prior to going to a debt collector. It appears that XXXX XXXX never had the intention to resolve this in good faith since they knew it was their fault. 

Do I have any recourse?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}

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 2023-01-05
Company: EQUIFAX, INC.
State: SC
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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CITIBANK, N.A.
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:
MACYS FRAUD DEPARTMENT REFUSES TO DO A PROPER INVESTIGATION INTO A FRAUDULENT ACCOUNT THAT WAS OPENED IN MY NAME ON XX/XX/2011. INSTEAD OF FULLY INVESTIGATING THE ACCOUNT THEY DEEMED IT AS MY ACCOUNT AND SENT IT INTO THEIR COLLECTION COMPANY. MACYS CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT ON MY XXXX FILE EVEN AFTER I SENT IN POLICE REPORT FOR IDENTITY THEFT ALONG WITH THE FTC FRAUD AFFRADAVIT. HOW CAN YOU TELL A PERSON TO ARRANGE TO MAKE PAYMENTS ON ACCOUNT THAT THEY NEVER OWNED.THE ONLY GOOD THING MACYS DID WAS SEND A LETTER THAT STATED THE ACCOUNT WAS OPEN ON XX/XX/2011. THE DATE THE ACCOUNT WAS OPEN DEFINITELY PROVED I AM NOT THE OWNER OF THE ACCOUNT BECAUSE I WAS ADMITTED INTO THE HOSPITAL FOR XXXX ON XXXX, XXXX, XXXX AND WAS DISCHARGED ON XXXX, XXXX XXXX. I HAVE SUBMITTED NEW EVIDENCE ( HOSPITAL RECORD ) TO THE MACYS FRAUD DEPT VIA MAIL AND I REQUEST THAT A NEW INVESTIGATION GET STARTED. MACYS HAS DAMAGED MY CREDIT FILE TO THE POINT WHERE THEY HAVE CAUSED ME FINANCIAL HARM. THEIR PRACTICES ARE UNSCRUPULOUS AND THEY DONT CARE ABOUT THE CONSUMER. WITH THIS NEW INFORMATION MR. XXXX HAS FURNISHED ME I WILL NOW CONTINUE TO SEEK THE ADVICE OF LEGAL COUNSEL.

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 2023-03-22
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 with the Fair Credit Reporting Act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 Chase sent me a letter that stated " We have decided to close you accounts '' it listed my savings and checking accounts ( " We have decided to close your accounts '' ) The letter also included a separate page that stated all my personal credit cards has been closed " because our affiliate is ending their banking relationship with you ''. 
I have tried to contact Chase repeatedly for explanation and reached the Chase Executive Office and all I got " we can not do anything '' and again, there was NO reason given. 
I have been with Chase for around 20 years, I paid my credit cards on time, I paid all annual fees and I strongly believe I do not deserve being thrown out. While I am completely at loss why Chase banking decided to close my savings and checking accounts I do not really care about checking and saving accounts, I do care about credit cards i had with Chase. One of my oldest cards is w/ Chase. 
Speaking of checking and saving accounts, there was absolutely NOTHING, NOTHING done by me to deserve them to be closed as well. 
When i tried to Contact individual departments responsible for Credit cards ( Chase Freedom, or Chase Sapphire Preferred or Chase Amazon CC ) nobody wanted to take a responsibility and accept the fact I did not do anything wrong and were just pointing fingers around ( we did this cause they did this.. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Had a car finances through prestige financial voluntarily gave the car back in 2013 and since then the account has been charged off. I have been working on my credit and noticed that they keep re aging this account to make it appear to be a new account every month and it is negatively affecting my credit score. According to the FCRA that is illegal to re age an account and I need it to be taken off of my. Redit report.

Company response to consumer: Closed with explanation