BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: IN
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 notifying the FTC and CFPB that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Phone or Utility I have also experienced the following problems as a result of the identity theft : * Civil suit filed or judgment entered against me. 
* Denied credit or other financial services. 
* Denied employment or loss of job. 
* Harassed by debt collector or creditor. 
In addition, I have lost 8 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services.

I have no information regarding the identity thief.

I have contacted the following credit bureau ( s ) : Equifax, XXXX  and XXXX : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with Equifax, XXXX and XXXX  : I have submitted documentation and was told several times on several calls that they never received documentation in order to remove these harmful inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 a {$17000.00} wire transfer was sent by me from my bank, XXXX, to SunTrust bank in XXXX Florida. 
This money was initially reported as not found by SunTrust. After many months, I was sent a check for {$16000.00}. I was missing {$230.00}. 
SunTrust would not respond about this shortfall. XXXX Police contacted SunTrust and were told there was no account. 
I ask for my {$230.00} refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute Equifax XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a long time member of the Navy Federal Credit Union ( NFCU ). It's main office is located in XXXX, Virginia and many branch offices around the world mostly in XXXX XXXX. Its Fraud Dept is located in XXXX, Florida. 

On XXXX XXXX, 2023, I conducted several transactions with an agent as I do on the phone early every year. All were done correctly. I turned on my home computer next day to check on the balance of my Money Market Savings Account ( XXXX ) and saw an unauthorized transfer of {$5000.00} from our account ( joint with my wife ) to our joint Checking Account and to XXXX XXXX Bank as " ACH Pending Transaction. '' I immediately called the NFCU and discussed with an agent. He said the fund will be restored within 1 to 10 business days. {$5000.00} was later transferred out of our Checking account to XXXX XXXX Bank to an individual named, " XXXX XXXX. '' {$5000.00} is not restored as of this date and several oral and written communications with the NFCU were to no avail. I am greatly puzzled and disappointed why the NFCU did not take an immediate action when I reported it on XXXX XXXX, 2023. 

Please see the attachments to explain the sequence of events. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an Old Navy Credit card through Synchrony Bank that was charged off in XXXX. I did not receive any information on it until i called in XXXX. Synchrony stated that the entire amount was written off. I continued to monitor my account and noticed that a balance of {$630.00} was past due on XXXX XX/XX/XXXX. I contacted Synchrony and  they stated that the entire amount was past due and they would send me a 1099c. XXXX XX/XX/XXXX i contacted Synchrony to find out the status of my 1099c because i had not received it. They stated they would send it again. Approx. XXXX XX/XX/XXXX i contacted Synchrony again asking for my 1099c. They verified my address and stated they would send it again. XXXX XX/XX/XXXX i contacted them to inform them that i never received my 1099c. I disputed the information on XXXX, XXXX, XXXX XXXX 12 times the last one being XX/XX/XXXX. Each time The information changed from being {$400.00} written off to {$1600.00} written off and {$630.00} past due. I asked to pay anything that was past due and i was told the entire amount was written off and they were no longer collecting on the account. I asked if the entire amount was written off then why is there a balance showing. They said they would send an updated 1099c with the corrected amount that was written off. I sent an email to the CEO of Synchrony XXXX. I was contacted by Customer Relations XXXX XXXX on XXXX XXXX. She stated that only {$400.00} was written off. and that my disputes that i filed with the credit bureaus showed {$1600.00} written off and i would like the correct information to be reflected on my credit reporting accounts. I explained to her that this was incorrect and the balance should be reported as {$0.00}. XXXX agreed. I received a new dispute update today and the incorrect information is still reflected on all 3 credit bureaus

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 2019-03-15
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I am trying to close on a home and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: SYNCHRONY FINANCIAL
State: NJ
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 paid the payment due on time but TJX charged me the usurious late fee of {$35.00} which is outrageous and obscene and downright criminal and confiscatory! XXXX XXXX, XXXX, XXXX XXXX, XXXX ( ret )

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 monetary relief
Consumer complaint received 2020-07-07
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: Investigation took more than 30 days

Complaint:
I had a mortgage with XXXX XXXX. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from XXXX for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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 a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I disputed XXXX incorrect negative information and in doing so experian allowed them to make a monthly negative mark on my account every month that has and is effecting my credit every month. The account was a charge off on a secured credit card. Secured credit card is why I was disputing thr mark. How can I be charged negatively on a secured card that was secured with my money. This is overwhelming and is causing me great harm.

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 2018-02-06
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXXbut got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.

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 2017-08-10
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2017 XXXX XXXX CST I called to ask about options for lowering my payment, being that my wife is out of work and I am taking over all finances. They said I was already in a rate reduction program and that 's as low as they can get it. I asked if I had any other options, we have no health insurance at the moment and my son who has XXXX still needs therapy which will be out of pocket for much of it. They said we can cancel the future automatic payments and it would be a year before I qualify again for a rate reduction. My payment was in the low XXXX 's and it would essentially quadruple. I asked if there were settlement options and they said they can possibly do a 90 % offer, so basically {$25000.00} and some change. I asked if I could counter offer and they would not accept any counter offer unless it was more than their offer, which sounds crazy to me. She wanted to know detailed information where I would be getting the money from. She could not and would not provide me any information on their settlement policy and said the company has no written policy regarding settlements and it was up to their discretion. Talked down to me saying if I ca n't make the monthly payment what makes them think I can get money for a settlement. She refused to submit an offer on my behalf. 100 % would not do it. I tried to offer an amount and she said it was too unreasonable, it was n't at least 90 % of the balance. She said sir we are a business and we are in the business to make money. Literally what she said. By far the rudest, condescending, heartless company I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was scammed by a company called XXXX XXXX. The company was supposed to cut my student loans in half after I was accepted into the program but instead they just switched my loans to a new provider and stole almost {$1500.00} of mine. I was told I was very lucky to have gained access to their program and I was one of the last ones to be accepted. The company employee had told me that I just needed to pay the first 5 months at a certain amount that was around {$260.00}. Then after the 5 months I would have my payments dropped to affordable payments and I would only owe half of what I had originally. I have gotten emails saying that the government is suing the company for unlawful things and I can not get ahold of the company. When I call it says the company is suspended and wont be back until who knows. I just want to get my loan right and not feel like Im getting scammed for making payments every time because thats what has already happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint relates to your Case # XXXX. I am a parent co-signer paying the loans that were put In collection due to my Chapter XXXX in 2013 even though my son was paying the loans current at the time. Payments were made to XXXX, XXXX and XXXX for XXXX XXXX XXXX since 2013, but I have never received statements, prior payment history, how the payments were applied nor have I received a XXXX tax statement. I have never seen the original documentation from them. They had added the accounts to my credit report as well as my son 's. XXXX, XXXX, XXXX and XXXX removed the accounts from the credit reports early this year and I have stopped making payments as my son wants to try to settle and/or refinance, but we need the accurate history of the loans. The above referenced case number required that, but I never received notification of this case or it's results. The loans have been transferred to a different collection company who is calling both of us. There documents are included in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$980.00} XXXX XXXXXXXX XXXX {$720.00} XXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX {$200.00} XXXX  XXXX {$780.00} XXXX XXXXXXXX {$780.00} XXXX XXXX {$690.00} XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate CREDIT BUREAUS ' time to REMOVED some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 EXPERIAN, XXXX and XXXX are required to remove any items listed on an ID THEFT REPORT XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the followng items Per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: Nelnet, Inc.
State: GA
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 was denied extended repayment option based on incorrect information. My loans were disbursed between XXXX through XXXX. Nelnet claimed wrongly in their communication to me that my loan was awarded prior to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
Hello CFBP. I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days back-to-back, while some say 60 then back to 30 back to 90 the 150 days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true.

1. impartial accounts and all three credit reports 2. different amounts and dates on all three credit reports 3. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 4. When mak
ing the attempt to write DEPT OF EDXXXXXXXX is showing two different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions.

Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
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 2020-02-17
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was approved for this credit card with the following terms : Free interest on all purchases for a year. Barclaycard did not honor these terms, so after I paid all charges I owed, I closed my account. Barclaycard then proceeded to charge interest charges and late fees. I contacted CFPB and they investigated and Barclaycard agreed to XXXX  my account. Currently, Barclaycard is reporting to all credit bureaus that this account is delinquent for {$310.00}. ( XXXX, XXXX, XXXX ). I have sent Barclaycard, XXXX, XXXX, and XXXX  copies of the following : The terms and conditions of the credit card, last statement of my credit card showing when I paid all my charges, and a copy of my bank statement reflecting this payment. Please help me to resolve this issue. The credit card number was XXXX. I closed this account on XX/XX/2016. 
I can be contacted at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX-XXXX. Best regards,

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 2022-11-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violeted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE ALL FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS PER FCRA 605B ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), Pursuant to 15 USC 1681b ( a ) ( 2 ), Pursuant to 15 USC 1681c2 ( a ) ( 2 ), MY RIGHTS AS A FEDERAL PROTECTED CONSUMER HAVE BEEN VIOLATED. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation