BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
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: Information belongs to someone else

Complaint:
To whom it may concern I have been a victim of identity theft and my information have been exposed on the Equifax data breach there have been a numerous amount of accounts that i have discovered on my credit reports that need to be deleted and investigated. please send me a updated copy of my information and credit report once information is deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have requested information about the debt to XXXX and have not received anything pertaining to this collection. I don't owe them and want it removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: MD
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:
*NOTE : Experian did send TWO checks due to the breach of my social security number. XXXX is in process. 

*XX/XX/2019 - CMRR USPS # XXXX - Disputes - Never verified any of my disputes based off of the Experian AND XXXX  breach. 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Disputes on Inquiries - Not fixed, verified, or answered by XXXX  . 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Disputes on Inquiries # 2 -  Not fixed, verified, or answered by XXXX  . 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Experian did not fix, verify, or answer any of the disputes EVEN THOUGH I was in the Experian AND XXXX  breach.  Experian knows they did send two checks to me due to their breach. 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Second attempt to Experian. Did not fix, verify, or answer these inquiries.

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 2020-11-24
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My received my debit card from US Bank Reliacard at the beginning of XX/XX/2020. Texas Workforce Commission was loading my unemployment payments to the debit card. I was able to use card without any problems until until sometime around XX/XX/2020. I contacted customer service with the problem as to why my funds where being held and I wasnt able to use card. They then informed me that US BANK RELIACARD needed me to send them copy of government identification so that they may verify I lived at the address that they had on file. That because I corrected an error on my part by changing a lower case letter to upper on my address i had to send in verification of the address change. When there in fact had been no address change at all just me fixing a simple error in punctuation. Problem with sending in a government ID at this time for me is that I had recently lost my id and because of the pandemic I'm not able to replace my id until months from now. Also it is not TWC that has the problem it is the debit company. My funds are issued by TWC not this Reliacard company. I have gone to great lengths to have them possibly understand my situation. I have sent them a copy of mail with name and address, a copy of the appointment I made with the local DPS, a non government ID made by a local church here. There is over XXXX  $ on my debit card and I am not able use my employment funds for my living expenses. Which had caused me to be delinquent on my rental payments. And now receiving eviction notices. Can you please help me to get funds released.

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 2021-04-20
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021 I have used Xoom XXXX Service, Transaction No XXXX to internationally transfer funds to XXXXXXXX XXXX. The XXXX produced a report that transaction failed due to Recipient Account Invalid. 
I contacted the receiving XXXXXXXX XXXX to find out the root cause. I was informed that XXXXXXXX XXXX couldnt locate the transaction in their system. They requested me to have XXXX provide funds transfer XXXX report which could assist them to further investigate the issue. 
I requested XXXX multiple times to provide the docs which would assist in investigation. XXXX has so far failed to provide me the report despite multiple reminders. There seems to be a deliberate attempt by XXXX not to provide the requested report. Its beyond comprehension when these transactions are all done electronically, why XXXX failed to share the relevant docs. Its extremely perplexing that Xoom XXXX Service is not cooperating to address the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was totaled and XXXX XXXX sent the payoff to Bridgecrest on XX/XX/2021. I was advised by Bridgecrest to wait ten business days for the account to be closed, which is stopping me from getting another auto loan. It has been ten days and my account is still open. I am also being asked for another loan payment which doesnt make sense if they have been sent payment for the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
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: Problem with personal statement of dispute

Complaint:
Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA.

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action.

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I spoke with them regarding the incorrect information on my credit report on XXXX at around XXXX I was told by XXXX XXXX that due to the incorrect information that they had on file that I should dispute the reporting of XXXX late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When I was XXXX years old I opened my chase account. My uncle at the time was investing into cryptocurrency and wanted to help me also so we signed up for XXXX and this should be around XXXX. XXXX had some issues and I'm not sure why but I can blame it on XXXX, but this caused a dispute and chargeback and then later on chase cut relationships with me. I learned it was crypto at the time due to research on XXXX and XXXXXXXX and XXXX and similar complaints at the time and they refuse to tell me the reason. I got a offer in college during XXXX to open a chase checking account in the mail so I opened a account got the XXXX skin card. In a few days my account was closed I was so upset and they keep sending emails about my credit score and things as if I have a open account monitoring my credit. I tried to fix the issue during covid 2020 again over the phone and they never followed up because I was asking what can be done to fix this issue and do I owe a balance for the crypto charge back and my family bank with them and I want to also and I don't mind to start paying off a balance or do something to bank again with them. I want them to understand I was young and didn't know they are not fond of Crypto at the time even though they don't want to acknowledge that. I simply want my checkings account back and to go about my life and I was told so many things, try in a few years which I did, this happened at XXXX years of age now I'm XXXX going onto XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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:
Navient has reported me making late payments on my credit report for the last 2 years. navient fails to correctly apply my payments to my student loans. They have given me false information several times and tried to hinder me from taking part in a repayment plan with a lower interest rate, the continuously report my payments late to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: CA
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 am the victim of identity fraud. Someone used my identity to open an account with XXXX but I don't know who this person is or where the account was opened. I filed an Identity Theft Report with the Federal Trade Commission under penalty of perjury and received back an FTC Report Number and confirmation that they accepted the report. I then contacted Experian and requested a seven year extended identity fraud alert. I supplied them with the request, a copy of the FTC Identity Fraud Report,  my driver 's license and a recent utility bill to verify my address. However, they denied my request for the extended identity fraud alert. Their reason was " The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' However, filing a false Identity Theft Report with the FTC under penalty of perjury does, in fact, subject me to criminal penalties if the report is false. Therefore, it meets the requirements of the FCRA. Can you please investigate Experian policies in this regard and determine if it is violating the law and, if so, impose appropriate sanctions. Thank you.

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 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
On XX/XX/XXXX Navy Federal Credit Union charged my checking account for XXXX for a credit card that is owed on. I understand the card is delinquent but I have been paying on the card since XX/XX/XXXX and the limit never got any lower. I was locked out of my checking account for a week, and then when my deposit went in, I went to work on XX/XX/XXXX at XXXX XXXX cst and got off at XXXX cat. I called Navy Federal around XXXX cst and I was transferred 5 different times and no one could give me an answer, they actually told me I talked to someone earlier that day, which I did not. They left me with XXXX dollars, I told them they could keep XXXX dollars of the XXXX that was taken but I needed the rest back as if I have a family of three and am doing my best but how can I make it on XXXX bucks for three weeks. I know that Navy Federal was sued for the same thing they are doing to me back in XX/XX/XXXX. Now I am not sure what else to do here but this. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018, I received a fraud alert text on my Citibank credit card. I immediately contacted the company and indicated the attempted purchase was not being made by me or my husband. At that time, I learned that there were three other charges that were not made by me or my husband : 1 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), 2 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), and 3 ) a charge at XXXX XXXX XXXX for {$1.00} ( XX/XX/18 ). These charges were initially credited back to my account. 
I was later questioned about whether or not I had possession of the credit card ( it was actually my husband 's card, but he was never contacted about this incident ). I initially indicated the card was in his possession at the time the fraudulent charges were made. I later learned this was incorrect. It took a couple of weeks for my husband and I to realize that on the same day the first fraudulent charges appeared ( XX/XX/18 ), someone broke into my husband 's locked gym locker at XXXX XXXX XXXX, damaging the lock in the process ( the lock was still on his locker after his workout, it was just so badly damaged it no longer functioned and the gym personnel had to cut it off ). His wallet and all his other items were still in the locker and he did not notice his Citibank credit card was the only item taken from the back of his wallet ( we rarely use this card ; the last time he had used it for a purchase was XX/XX/2018 ). 
The company 's initial finding on XX/XX/2018, was that my husband was in possession of the card at the time the charges were made and therefore, we were responsible. Since this initial determination, I have contacted the company by phone on XX/XX/2018, XX/XX/2018, and XX/XX/2018 providing additional information to include two police reports filed in XXXX XXXX, Texas ( where the card was stolen ), and XXXX XXXX, Texas ( where the fraudulent charges occurred ). 
Lastly, on XX/XX/2018, I provided written correspondence including sworn affidavits from me and my husband, time cards from my husband 's work ( indicating he could not have made some of the charges because he was at work when they occurred ), text messages ( showing the date someone broke into his gym locker ), and phone records. I sent two copies of this package -- one to customer service and one to security service -- neither department has responded to or even acknowledged my correspondence ( tracking information indicates these packages were received on XX/XX/2108 ). 
I am seeking to have these fraudulent charges credited back to my account.

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 2017-09-14
Company: EQUIFAX, INC.
State: UT
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:
I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft and have some fraudulent inquiries on my credit profile. I filed an Identity theft report with the Federal trade commission. I've attached it along with my identification. Equifax contacted me and stated that they don't have my profile. I have attached the FTC report and my ID. Please remove the fraudulent inquiries ASPAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent several letters to National Credit Systems on XX/XX/2022, XXXX XXXX by certified mail still havent received a response from them to validate the debt of {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Titanium Funds
State: UT
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:
Titanium Funds # XXXX is reporting an account to my credit that was included in my Chapter XXXX Bankruptcy # XXXX, it is also past the Statute of Limitations in Utah and has no reason to still be on my credit file. I need this account removed immediately as it is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a debt on my account from XXXX, I have no knowledge of this debt nor have I received any letters from creditors naming me as the owner of this debt. This debt is fraudulent. This debt in amount of {$270.00}, from XXXX, dated XX/XX/2020, to be collected by Focus Receivables Management is not valid. Obtain verification of the debt or obtain a copy of a judgment and mail myself a copy of such judgment or verification. I request of this office to provide myself with the name and address of the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX Last reported XX/XX/2021 {$480.00} Open balance XXXX Original creditor Is not my account. I have no knowledge of this account please remove.

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