BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00}

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 2023-01-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a payment on my Citicard account on XX/XX/2021. The payment was adequate to bring my account current. Today is the XXXX and I am still receiving phone calls about paying the bill. I received 4 phone calls yesterday for an account that is current. This is harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
INACCURATE INFORMATION SHOWING UP ON MY CREDIT REPORT FTC VIOLATIONS AND FAIR CREDIT VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX pulled a credit inquiry on XXXX  that i did no know about.

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 2023-02-06
Company: CCF Intermediate Holdings LLC
State: DE
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:
After reviewing my credit report, I noticed that your company reported my account 30 days late. I have never received a statement for this account therefore any late payments reported are invalid. I attempted to login online to make a payment on my account and there was no option to pay. How can I be reported late if not given the opportunity to pay? Please see the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CARD Corporation
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:
XX/XX/2021 Card.com locked my card for un authorized use because tried to buy XXXX XXXX XXXX using my card it was linked to my phone so i told them that i didn't want that card and was they're any other way to get my remaining balance of my income tax which was {$6900.00} so the customer service agent said that she would send the {$6900.00} in the form of a check i waited 2 weeks and called backed and was told that they dont send checks and that my money was stolen by one of they're temp workers with a XXXX XXXX account ive called numerous of times since then been told its been investigated its been 2 months since card.com employees stole my money from my account and haven't did anything about it i have kids and bills i need my money NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you to report that I may have been the victim of identity theft. There are certain account activities/ charges on my account which I did not make. Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on Experian through XXXX and www.Experian.Com. I am requesting the following items be removed on my reports from your companies as Experian has done already. 

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. 

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information. 
The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile. 
Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency. 
Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account. 

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. 
Sincerely,

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 2023-06-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is allowing fraudulent info on my report and I have disputed it and they have taken NO action on my behalf. 

Following are NOT accurate : XXXX Reporting {$290.00} I have returned ALL equipment and they are still reporting it. 

XXXX XXXX XXXX for {$890.00}. This is dut to ID theft and NOT mine!!!! 

XXXX XXXX {$3100.00} This belongs to my ex per divorce decree

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a loan back in XX/XX/XXXX to attend XXXX College which at the time my servicer was SallieMae, but was soon after taken over by Navient. Over the course f a few years I have been trying to get my payments lowered and my co-signer who happens to be my ex-wife removed. I always being told that there is nothing the can do and I'm all out of options. I'm being charged a ridiculous amount of much of which I'm barely able to take care of myself and my children at this point. As of resent I started doing some research and also consulted my attorney and found that the school I was attending closed it door on XX/XX/XXXX but I never informed of this information. When asked or questioned about it I was bounced around from person to person and my questions were never really answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANT NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREUS AND STILL HAS YET TO RECEIVE ANY RESPONSES.

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 2021-03-26
Company: ECMC GROUP, INC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I realized my check had a garnishment on it on XX/XX/XXXX, did not know why this was and contacted the employer who had to check to see what it was about, I was not previously notified by either the collection agency or my employer. The employer sent me over a form letter sent to them by ECMC stating I had a defaulted student loan, when I contacted ECMC from the number on the form letter sent, I spoke with XXXX who stated the student loan was from XXXX which was odd since I have only had grants for my higher education, I told her this showed on my credit several years ago and was removed and now they were attempting to re-age this by stating it happened and was received by them on XX/XX/XXXX -- -again this does not make any since. I asked for a copy of the signed loan for verification of this debt, on XX/XX/XXXX and to date have not received this information, however the employer is still taking money from my paycheck. According to the form letter sent they will continue to charge interest while money is being taken from my account. In XXXX I had another company contact me about this same issue and then refused to provide me with the documentation requested, never heard back from them, so ECMC again bought this loan again and this time begin garnishing my money. As I stated to my employer I thought I should have had prior knowledge of this from someone, and did not, also, when I asked XXXX of ECMC about prior contact her reply was someone told her the number I called from was not my number and that they sent a letter ( not a certified letter, just a letter ), which again, I did not receive. So I have no proof that they truly sent the letter and i did not reply nor do I know how they got my phone number, as I did not previously give this number to them to even contact me. I was given reference number of : XXXX to provide to a loan locator at ( XXXX ) XXXX, I again asked for documents proving this loan. I was able to go to a website and pull the same form letter used by this company for a garnishment, which disturbs me that it is that easy to do and then send to an employer who just takes the document ( which has no legal stamp or anything on it ) and begin garnishing money. I would think I could do the same think if form letters and not court orders are necessary these days ... .too much power and authority is given on these student loan collections ... .a loan from XXXX has been written off, how many times.

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 2021-07-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had made a deposit/payment for a contractor for XXXX on XXXX  and the contractor ended up not respounding to my phones calls or texts when I reached out to Wells Fargo after about 3 to 4 weeks I was told XXXX said no did not ask to see the calls texts nothing confirming my side or info when I reached out to Wells Fargo again . They said they can not do anything not even with trying to provide more documentation and that fraud or scams are o ly protected if its with a debt or credit card and the rep said next time dont pay till the job is done or thats the dangerous part of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I initially applied for my loans through XXXX XXXX I was never aware of the interest rates. I was told it would be somewhere between XXXX % while federal student loans were set by XXXX. Some of my private student loans are 10.2 % and I feel like Im getting no where. I have asked numerous times if I can consolidate it to a lower interest and they told me no all the time. I said there was no way I could afford it and they told me to ask my parents for the money. Secondly, I had my sister as a co-signer and was told that if I made principle and interest payments that I could release her in 24 months. I followed all of there rules and everytime I tried to release her I kept getting a ridiculous reason as to why they were not releasing her. Finally after writing a long letter and applying for like the 8th time, she was finally released 6 years later. This company is very shady and I would love for the consumer bureau to do an investigation on this company because they have misled me and have not been honest and have been unwilling to work with me about lowering my payments or telling me about income based repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: VA
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 XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX in 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 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 2018-12-26
Company: Netspend Corporation
State: PA
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 am disputing XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, and XXXX at the same ATM while I was XXXX card company has proof that I was XXXX  and still has not refund my money I have made a police report with the local police and they're investigating

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 2022-09-08
Company: AMERICAN EXPRESS COMPANY
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:
On XXXX. XXXX, 2022 there was a unauthorized inquiry for said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: STERLING JEWELERS, INC.
State: WV
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:
Ifiled Bankruptcy in XX/XX/XXXX, was XXXX in XX/XX/XXXX. XXXX and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.Sterling Jewerly as past due and in Collection. Sterling was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-03-26
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
{$17000.00} in portfolio sold off fraudulently on XX/XX/2021 between XXXX all of my Coinbase was sold off to another account / email which I am in possession of I did not authorize this transaction. I notified coinbase and was given a case number they give me automated answers and no real response they are completely liable since I did not authorize any of my account to be sold off ETH XXXX @ XXXX am ( {$10000.00} XXXX XXXX XXXX @ XXXX ( {$2500.00} ) XXXX XXXX @ XXXX ( {$1000.00} ) BTC XXXX @ XXXX ( {$2000.00} ) LTC XXXX @ XXXX ( {$620.00} ) LINK XXXX @ XXXX ( {$620.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a NFCU auto loan that is not even 15 days past due. I get paid on the end of the month so I always pay the same month it is due. 
NFCU takes money form my checking or savings without my knowledge and applies it to this loan. 
Not only do they take any money that is in my account to apply it to partial payments, they charge me a late fee and overdraft fee 's after doing it. 

I tried to call and discuss this and was told it is a legal practice. I have a {$270.00} payment and they took {$37.00} out of my checking today which was the last amount that I wrote a check on the day previously so now I get a late fee and I also get bounced check fee 's because I did not know they were taking this out. 

thank you for looking into this. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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