BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-21
Company: EQUIFAX, INC.
State: GA
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:
Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 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 2022-08-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a dispute with XXXX XXXX regarding a deposit I made last year. I made an ATM deposit on XX/XX/21. {$900.00} was not accounted for and I called immediately. I had not received a response to my request after some time so I called back. 
The rep stated the claim had been denied because the location did not record a positive variance from the ATM that day. She also stated I could not appeal and had no options. 


The ATM here in XXXX is always down or something is always going on with it. Navy Federal still has not given my funds back and its been a year. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
I previously made a complaint with CFPB and got the response back that it would be removed. This account is now on my credit report twice now. It 's dropping my score.

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 2017-06-13
Company: Experian Information Solutions Inc.
State: MO
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:
I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  o f 2017. I filed jointly with my spouse. The bankruptcy was discharged o n  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted  XXXX , Experian, and   XXXX   on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was  discharged  and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 U.S.C 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my writing instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no Consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer To any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

This entire credit situation is deterring me from purchasing a home for my family.

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 2019-11-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent in a final payment of over {$2700.00} on XX/XX/XXXX by certified mail. They received it XX/XX/XXXX. I called XX/XX/XXXX. I was told I sent it to the wrong address, but they cashed the check. It will take 4-6 weeks for me to get my money back. In the meantime, they want me to make another payment that I won't see again. But they will " give me 90 days before they report me to a credit company. '' Really? I made a huge payment. They cashed it but aren't applying it to my account. Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Om XX/XX/2021, a duplicate cashiers check was made by XXXX XXXX XXXX cashier '' s check in the amount of {$550.00} purchased by XXXX XXXX. The number of the cashiers check is XXXX. I deposited it into XXXX Alabama XXXX bank on XX/XX/2021. It was made to me XXXX XXXX. One of the checks was cashed at WELLS FARGO bank even though it was made out to me from XXXX XXXX. I of course deposited the cashier 's check to me because it is monthly alimony My bank, XXXX, took the {$550.00} our of my account even though the cashier '' s check was made out to me because whomever cashed the cashiers check at WELLS FARGO chased the very same cashiers check number XXXX issued by XXXX XXXX at the XXXX or XXXX branch at XXXX XXXX XXXX. I have spoken to XXXX XXXX at XXXX corporate and she put a lot of work into this. I never got my {$550.00} alimony payment and my ex husband, XXXX XXXX who purchased the cashiers check XXXX, refuses to help me. Can you please help me? I am about to lose my apartment over this mix up.

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 2022-08-29
Company: International Computer Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
FIRST COLLECTION SERVICES is in violation 15 usc 1692c due to sending a debt collection statement to my home without my consent. Pursuant to 15 usc 1692a ( 6 ) FIRST COLLECTION SERVICES are debt collectors. 
This company is also in violation of 15 usc 1681 ( 4 ) They did not exercise their grave responsibility with fairness, impartiality, and a respect for myself the consumer or my rights to privacy. 
They are also in violation of 15 usc 1692e ( 16 ) 15 usc 1692e ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692b ( 2 ) etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/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 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 non-monetary relief
Consumer complaint received 2016-05-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
My balance statement was paid in full by the due date and on the next statement, I am charged an interest rate on the previous months charges. For example, the previous balance including the previous months interest chanrge is {$100.00} and you pay it off by the due date, according to XXXX XXXX XXXX XXXX who claims to be a manager at Citi, even though you pay off the balance, you are still charged an interest rate even though you have completed paid off the bill.

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 2022-08-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I signed for a Parent Plus loan at XXXX XXXX in school years XXXX and XXXX for my son. Yet, Navient closed the Parent Plus account and gave me a Signature Loan? As a matter of fact, the activity page indicates Parent Plus, which, by the way, through no knowledge or permission from me, was consolidated at a XXXX balance. I do not understand why I would consolidate a Parent Plus loan at a lower interest in exchange for a Signature Loan at a higher interest rate. I signed for the Parent Plus loan in person in XXXX. Yet, Navient writes : Your cosigned loans ending in XXXX and XXXX have been Signature Student Loans since they were disbursed. Now Im referred to XXXX that do not have the cosigned loans listed. Im getting the run around. I want to take advantage of recent government student loan options before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-27
Company: EQUIFAX, INC.
State: PA
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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
So this happened to me today. Beware scammers can clone your credit card 's XXXX XXXX number. I got a call from my legitimate credit card XXXX XXXX number saying my card had been used for suspicious activity totalling {$3000.00}, would I confirm my number so they could cancel the charges and shut down my card, Wait a minute, you tell me my number, I don't tell you! He was very plausible but could not tell me my number, he wanted me to tell him. I hung up, called my bank and sure enough they had not called me, no fraudulent charges on my account, they told me scammers can now clone their number to seem legit, NEVER give out your credit card number, if it's truly your bank they already know it. Since then I got 5 calls in a row from the number on the back of my credit card calling me a XXXX, XXXX and XXXX, apparently scammers are poor XXXX!!! And my credit card bank, Capital One, say they can do nothing about it, shame on them. They won't warn their customers about this and they will do nothing to stop it happening. I am supposed to just take these abusive phone calls from their phone number and they walk away!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to JP MORGAN CHASE BANK with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail # XXXX. JP MORGAN CHASE BANK received these instruments on XX/XX/2022. Respondent was given XXXX ( XXXX ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper.

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to JP MORGAN CHASE BANK as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit E ].

Conditional Acceptance Formal Conditional Acceptance was sent to JP MORGAN CHASE BANK as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditiona
l Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by JP MORGAN CHASE BANK, having not received and showing no record of response to items listed in my Conditional Acceptance sent XX/XX/2022 via Certified Mail # XXXX and received by JP MORGAN CHASE BANK XXXX XX/XX/2022, said Conditional Acceptance is now in Default. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of JP MORGAN CHASE BANKs failure to cure and honor Fault places JP MORGAN CHASE BANK in Default. For the course of dealing, set forth herein, with JP MORGAN CHASE BANK failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance Further Affiant saith not. 
All documents have been sent to JP Morgan Chase Bank and are too large to share in this format. They can be provided if requested by an outside party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX    XXXX   my son was transferred by ambulance from one  XXXX   XXXX  to another.   XXXX   XXXX   XXXX   was the  carrier  who submitted a bill to  XXXX  for services. Services were paid by  XXXX , however the check was never cashed and I was placed in collections. Several calls to  XXXX ,  XXXX  and the collection agency and this has still not been resolved.      XXXX  at  XXXX   XXXX  has NEVER returned any calls from myself or  XXXX , she refused to take payment.  XXXX   XXXX   XXXX  has failed to provide proof that coverage was denied or any other documentation surrounding the bill.     I have asked for this to be removed from my credit and they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
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 submitted an identity theft block to  XXXX , Equifax, and     XXXX   XXXX   .  I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All   XXXX   credit reporting bureaus have refused to block it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions 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:
Please remove unverified accounts from 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 non-monetary relief