BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: Navient Solutions, LLC.
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:
I contacted Navient to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is a complaint about XXXX & XXXX 's XXXX credit card through Comenity Bank. 

I paid the card off in full XX/XX/XXXX and went through the instructions on the site to close the account. You send them a message instructing them to close the account. I have records of all my messages. 

I received no response so did the same again XX/XX/XXXX. 

I then called them and was told my account was closed. 

Then on XX/XX/XXXX I received a notification of a {$6.00} fee so I messaged saying my account had been closed so I wouldn't be paying a {$6.00} fee please correct your mistake and close my account like you'd said you would XX/XX/XXXX. 

Then this week my credit score dropped XXXX because they in fact had not closed my account and had been charging these {$6.00} late fees on a {$2.00} interest fee that had not been disclosed to me. I called them up just now and paid the {$2.00} interest fee and have been told the other fees are being waived and my account closed. 

I don't know whether to trust that, but also how do I get compensated for my credit score unfairly dropping? It feels intentional that they just don't close your account and let the fees keep piling up. 

Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$31000.00} 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 of 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 2020-07-10
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had XXXX XXXX at XXXX  XX/XX/XXXX There was one test that Medicare said wasnt normally covered but since I didnt know they covered it! Even if it was not covered it would have gone to my XXXX XXXX XXXX XXXX  XXXX Gap insurance etc .... then 9 months later in XX/XX/XXXX XXXX submitted the same bill again to Medicare ... it was disputed & dropped of My credit report! In XXXX XXXX had a security breach & when I went to drop a test off in XXXX XXXX they said I had a balance of {$100.00} from the test back in XXXX. I said that was already resolved years ago, I had to call Medicare to have them send my files from XXXX to submit to XXXX. I checked on credit karma and that account was closed so I cant even dispute it a second time! XXXX  wants another 30 Days .... I dont have that much time I need to trade in my care & move by the end of the month and this just dropped My credit score 50 points & I dont know how it got back on my credit report a few weeks ago when this was already settled years ago!!! ( XXXX XXXX XXXX breach Im guessing ) but that number no longer works Ive spent hours on the phone disputing this bill that was already settled and off my record years ago & need to get it off my report 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 2023-02-10
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:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-07
Company: Affirm Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a XXXX merchant. I allow customers to use XXXX XXXX Installments ( which is run by Affirm ) so they can break up payments. On Monday, XX/XX/2023, I received a payout email confirming that my payment for the recent order was being sent to my bank account. The customer that placed this order used XXXX XXXX Installments. I should have received the payout the next day but I never got it. I confirmed with my bank that there were no payment attempts made by XXXX. I have tried to resolve this several times with XXXX support team. I also made complaints to Affirm since they are the ones that are responsible for this payout. I still never received my money and I have no answers on when I will. Several other XXXX merchants that I have spoken with Ive had the same issue with XXXX XXXX Installments around the same time as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Genesis FS Card Services, Inc.
State: MI
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:
The investigation took longer than 30 days. I have attached my dispute letters I sent to XXXX, XXXX and XXXX which date my first letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: EQUIFAX, INC.
State: MN
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 have continuously disputed information with equifax and although the accounts are not mine they continue to report the information stating they have investigated and verified accounts that I know are not mine I have disputed every month for 1 year starting XX/XX/XXXX until now.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 PayPal took XXXX that was on hold for XXXX  days & kept it after sending it to themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX Balance : {$810.00} ; XXXXXXXX XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I learned yesterday XX/XX/XXXX that on XX/XX/XXXX {$2000.00} was applied to my credit card account. That same month I also made a {$1700.00} payment myself. I never did pay attention to what my available balance was or did the math on it. All I saw was my available credit balance went up especially since now I see my payment was close to the amount of the {$2000.00} and I assumed it was from my payment. I didnt review each and every transaction so I missed seeing the {$2000.00} addition. 

I learned all of this yesterday morning because ( a whole 7 months later ) I saw a {$2000.00} debt listed as payment adjustment and a debt for {$32.00} listed as Finance Charge Prev Cycle Charges My first thought was that fraud was happening and that my credit card account info was compromised. When I called my bank thats when they told me that back in XXXX they made a mistake and applied someone elses payment to my account and that the {$2000.00} debt was them not only taking it back but also charged me finance charges on it. 

Now my account is in the negative. The limit on the card is {$7500.00}. Ive NEVER maxed out my cards or spent over the balance but now I'm in the negative - {$1600.00} and theyre telling me theres nothing that can be done despite the error started on their end. Now I'm afraid this will be reported to the credit bureau and they will charge me a fee for being over. They made the error by misapplying they payment and I made the error in not catching apparently! 

I have previously paid my card in full and then started using it again. Starting in XXXX I made payments monthly for XXXX, XXXX and in XXXX. I acknowledge not making payments in XXXX, XXXX and XXXX. However I did make a payment this month in XXXX. I didnt make those payments for XXXX, XXXX & XXXX because during those months my statements said {$0.00} due for those months so I took the opportunity to catch up on other bills since having some leeway with my credit card payment for those months. But as soon as I received a statement that showed an actual amount due ( Which was for this month XXXX ) I made the payment, on time and a little over the amount that was due. 

With that being said Ive always had an available balance. Ive never myself taken my card down to XXXX  available balance or over my credit limit. At the time that the bank realized their error I had around {$400.00} or {$500.00} available balance and now Im over a XXXX dollars negative and my bank doesnt care that this misapplied payment messed up my account for me and now I have to bare the repercussions. I dont think this is right!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2020-07-23
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Net Spend tells me I had a net spend western union account i was also assaulted and robbed and my finances where robbed from me i have multiple accounts i would like all information about my accounts i can see money transfered from one card to another I have reached out to XXXX XXXX this has been going on for 7 years and its all 3 netspend corp net spend pay pal  and net spend western union

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 2018-08-17
Company: ECMC GROUP, INC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am making monthly payments to ECMC. They continue to call my place of employment and send emails threatening garnishment. The email that I received today ( XX/XX/XXXX ) was from XXXX XXXX-XXXX stating that my wages were about to be garnished. How can my wages be garnished if I making monthly payments? The threatening calls and emails are pure harassment if I am paying them. How are these actions admissible?

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 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have filed a identity theft report due to multiple credit inquires on my credit report. Somebody has been trying to get credit under my name. I already have multiple cards under my name from years that i have been using. most of my cards are paid off with no balance so i dont see any reason for me to apply for more credit cards. I just received a copy of my report from XXXX and XXXX after i filed a complaint against XXXX for reporting wrongful information on my report and i noticed all these inquires. not authorized inquires in last 3 months are XXXX   XXXX XXXX XXXX XXXX XXXX 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 2020-07-10
Company: Experian Information Solutions 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:
Experian has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The accounts XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  IL XXXX are inaccurate and unverified, and I am requesting that are deleted from my credit report 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 2018-08-17
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
. In XX/XX/2018 while I was at XXXX XXXX XXXX I called Wells Fargo to pay my monthly car note. While I was on the phone with customer services representative, he informed me that I was a month behind. I was like " wait a minute that doesn't sound right, I Just paid you. '' He couldn't give me a straight answer of when it was and where I was behind. I have called to several times to get straight answers on all stemming from this one incident. I have been told 2 out of 3 times that they do not do automatic payment plans to someone else saying yes they do automatic payment plans. They have never informed me that they do online automatic payments through online banking. I have asked to speak to management only to be yelled at. This has been THE MOST unprofessional company I have ever had the displeasure to come across. All representatives have been inconsistent with company policy. I have been asking for over 30 days for a 10 day pay off letter which I am entitled to obtain, I am looking to refinance through another bank with a higher interest rate just so I do not have to do business with Wells Fargo. I have utilized my resources to obtain further assistance, Consumer Affairs counselor from XXXX XXXX XXXX was able to contact Well Fargo and spoke with XXXX supervisor of customer service. XXXX stated that she will email XXXX with the 14 day pay off and the payment history for the length of the loan for review. I would like to resolve this matter by receiving the 14 day pay off letter and for the lender to adjust my credit report history within 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