BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection notice on XX/XX/XXXX from Southwest Credit Systems. This debt was disputed and validation was requested. 

Southwest Credit Systems did not provide a validation as requested. On XX/XX/XXXX I received notification from XXXX in that a derogatory account had been reported by Southwest Credit Systems which negatively impacted my credit history. 

This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
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: Their investigation did not fix an error on your report

Complaint:
I have been in a constant battle with Experian Credit Bureau for the last year and a half. They have ignore my request to dispute fraudulent accounts manufactured in my name, and they have never sent me any information about them investigation my concerns. They are the only credit bureau reporting this inaccurate information, and what sucks is they are used the most by creditors for financing. 

Fraudulent Accounts 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 2020-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2019 Citizens Bank put a late payment on my account.This was an automatic pay issue. Although Automatic payment was set up payment did not go through. I thought the issue was solved until i noticed my XXXX XXXX notification. I tried speaking with supervisor but were not able to help. This was not my fault but I was held liable for a computing error. It is the only payment from all of my cards that I have ever made payments " late ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Patient Accounting Service Center
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter from XXXX regarding medical debt i owed, asked company to produce verification of debt, debt verification not produced, continued to receive harassing letters, phone calls etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: The Thomas Agency, Inc.
State: ME
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:
Disputed this item as a medical bill that was to be paid in full by the department of Veterans Affairs, as a Mission Act based XXXX XXXX  referral. This was allegedly for a CT scan, in regards to my ongoing XXXX treatments and follow-up. I have an XXXX, due to XXXX XXXX from XXXX XXXX. Please see attachments. This is attempt # 3 to rectify this problem. Also, I have an issue, in regards to logging into XXXX, to monitor this situation, and to view my reports.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.

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 2018-04-17
Company: LendUp Loans LLC
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:
This states a loan was opened in my name on XX/XX/2014. I have no knowledge of this loan or company. 

Company Name Flurish INC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I obtained a credit report for my first time in many years and am reviewing it. It says I owe {$520.00} dollars which is wrong. I need to get this resolved with your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX  i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.

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 2021-02-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX  i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: MOHELA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a refund for loan payments made during the payment pause and they told me it would take 30 days for the refund. It has been twice as long and my loan balance still has not been updated on Mohela 's website and I have not received my refund. I have called multiple times but the hold times have been hours long which I can not wait for during a workday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: LoanCare, LLC
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:
I received a letter by CFPB on XX/XX/2021, a response from Loancare, who stated this would all be repaired and could take up to 60 days, yet today, they reported my payment as 30 days late for XXXX, it isn't even 30 days past XX/XX/2021. Since my XX/XX/XXXX is still missing 77 points, XX/XX/XXXX is missing 7points and XX/XX/XXXX is missing 70 points and this isn't something they are taking seriously, I have now lost all patience for this matter and will be obtaining a lawyer.

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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not 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 explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: MO
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'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX I received a credit card bill from XXXX/XXXX XXXX with a charge of {$2100.00} I have never opened an account with this company or shopped at a XXXX. While it was addressed in my name and with my street address but the area was not put s the correct one.

I called XXXX XXXX  and reported the fraud. The gentleman I talked to said he would open the fraud case and they had a XXXX fraud liability. He recommended that I also alert the credit bureaus and report the identity theft to Identitytheft.gov. I did that and I reported it to XXXX, who also alerted the other two credit reporting companies, and enrolled in XXXX  to give me alerts and lock my accounts from inquiries. I didn't hear anything more back from XXXX XXXX so I assumed the problem was taken care of.

OnXX/XX/XXXX I received another statement from XXXX XXXX with another charge for {$2100.00} but with a different account number. I immediately called to inquire about this new account. After being transferred several times an account manger told me that they had denied my fraud case and that they had sent me a letter informing of that. I never received any letter from them denying my claim or any forms requesting more information. She then said they denied it because after the account was opened they received a call from a phone number asking for them to increase the credit line and it was showed as the same phone number I called from to report the fraud. She refused to give me the address or phone number of the actual XXXX  where the purchase was supposed to have been made and could only tell me it was in XXXX XXXX, which I have no idea where that is and she wouldn't even let me know what state it was in. Whoever opened the account clearly has all my information and according to XXXX  I would of been one of the people who was affected by the breech. I do not know how they managed to make it look like it was coming from my phone.

I originally thought that since XXXX XXXX  claimed they were doing the fraud investigation and I had already reported it to the Credit Bureaus and Identitytheft.gov that this would be taken care of by XXXX XXXX. They did not mention my phone number had also been compromised and since I never received any of the letters they claimed to send and their representative refused to be helpful and provide me with information of the purchase so that I could ask for records of their claims I don't see that they were carrying through with the fraud investigation as they were supposed to. I have updated my FTC report, filed a police report and I have pulled up my phone records from XX/XX/XXXX/XX/XX/XXXX. The only call to the bank number was on XX/XX/XXXXwhen I called to report the fraud originally.

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 2021-02-11
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: Old information reappears or never goes away

Complaint:
XXXX Account XXXX has been charged off for more than 7 years and should be removed off my credit report.

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 2021-02-21
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello in XX/XX/2019 I took out an FHA loan and I had to pay Upfront Mortgage Insurance. This month I refinanced into conventional and trying to figure out how to get a portion of funds back from XXXX XXXX  XXXX because I was told that under 1 year refi you can get a prorated portion of your funds back. I am given run around.

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 2020-08-24
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I saw a credit card with XXXX balance on my credit report and I didnt apply for a card with this bank and I called and told them about it and the card and statements were send to a vacant adddress and I told them about it and they told me in order for them remove the charge then I have to send in my bank statements but I dont have a bank accounts in my name and I live with my parents and my mom takes care of me ... and I didnt apply for this credit card and Im keep getting calls from debts collectors and I explain this is not 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 explanation
Consumer complaint received 2020-07-25
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/2020 I ordered a moderately expensive item from the merchant " XXXX '' via the ( fraudulent ) website https : XXXX Now if one attempts to load that website, one is warned that it is not safe, though this was not the case a month or two ago, unfortunately! 

Despite my being charged for the item, it was never sent to me. Instead the merchant provided fraudulent shipping information. Specifically, On XX/XX/2020, I received an email ( attached ) stating that the product was shipped via XXXX. If one enters the tracking number into the XXXX website, it shows that it was delivered by USPS ( the postal service ) on XX/XX/2020. However, this tracking information is not for my order, as the attached document from XXXX shows. Moreover, the item I ordered weighs 8.15 lbs, with a box weight of 26.5 lbs, whereas the shipment in the tracking information shows a shipped weight of 5.3 ounces. 

I have repeatedly tried to contact the merchant via the email address and phone number listed on the website and my receipt, but I haven't obtained even a single response. 
This is no surprise, as the merchant 's entire website ( XXXX ) appears to be fraudulent. 

Indeed, the website https : XXXXXXXX  lists 12 complaints ( all from XX/XX/2020, they appear to be new ) some of which identify the same scam ( the merchant forwards fake shipping information to the customer as well as the bank when the transaction is disputed ). Moreover, the website https : XXXX gives the merchant a " very bad trust rating of 1 % '', references many online complaints, and reports " This domain name is linked to one of more countries known for being used by fraudulent websites ''. 

In any case, XXXX and USPS have opened up cases regarding this shipment and both companies tell me that the shipment was not intended for me, as the name and address do not match my own. This proves that the transaction was fraudulent. 

Lastly, this is not the first time this merchant has been accused of this scam. I have already alerted XXXX  of the scam ( though they claim to be unable to investigate since I disputed the charge with Chase already ) and am also alerting the Consumer Finance Protection Bureau, the Federal Trade Commission, the XXXX XXXX XXXX, and the police. 

I want to reiterate the fact that the merchant does not respond to phone calls or emails. Not once. And they appear to be based in XXXX, according to scam website reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
As a tax payer and a equity owner in CITI, I'm appalled at their boycott of the firearms industry!! Their greed along with other banking institutions resulted in a trillion dollar plus bailout. They should not have the right to deny a legitimate industry the access to monies based on political bias.

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