BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, at XXXXXXXX XXXX my belongs were stolen from me and the people who did it used all of my apps and cards to do fraud ; mainly my Navy Federal account and XXXX. They called in acting as me because they had my mobile device and I had to purchase a new phone because of this reason. My device was unlocked at the time that it was stolen and they were able to access all of my information. Navy Federal closed my account and stated I was responsible for {$3100.00} that I didnt not own or have. I lost my apartment because of this and I have no been able to open another account. I should not be responsible for the fraudulent activity that happened on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Credit Karma, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Karma is reporting credit scores that are XXXX lower that what the XXXX Agencies have at the same time or 30 days prior. Credit Karma gave me an updated report and reached out to XXXX to do the same. XXXX gave me my score for the XXXX prior and current. XXXXredit Karma provided me the same and the were consistently were XXXX and XXXX lower. They told me they're reporting what XXXX is giving them. How is this possible if you receive information, you post that information. I reconfirmed XXXX information by asking XXXX of my Banks XXXX XXXX for a copy of my report due to a recent application and it was aligned with XXXX, not Credit Karma. Now because of this credit offers from Credit Karma I should receive I'm not instead I'm receiving the higher interest rate, with lower credit lines. This looks like a form of XXXX or predatory profiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: NV
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:
a while back my house was broken into and they stole my personal belongings from my house such as id social security card, drivers license, birth certificate. since then I have been seeing numerous things come up on my credit report and I have not been the one opening the accounts. I have reported to the credit bureaus but small actions have been taking, i just found out about the cfpb.

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 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit 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:
Hello, This is for a business credit card with CapitalOne in my name. 

We have an advertising account with XXXX. Unfortunately, XXXX locked us out of our account beginning in early XXXX as XXXX thought our account was hacked. No amount of messaging with XXXX support could resolve the issues. XXXX doesn't provide any phone # to call so everything must be done over chat. 

XXXX kept billing us for ads on their platform, despite us not having any access to our accounts. After more than XXXX weeks of back and forth with XXXX, I called CapitalOne to dispute the recent charges. We had no knowledge of any ongoing ads, and we could not turn ads on or off, nor could we update ads as we normally would, as XXXX had locked us out. 

CapitalOne requested that I provide proof that I didn't get any ads, which was impossible as I was locked out of XXXX. I explained the situation in a letter to CapitalOne, and provided some screen shots of our chat history with XXXX to prove that we were desperately trying to get them to unlock our account but they wouldn't. 

CapitalOne has rejected my dispute and demands that I pay more than {$9000.00} in advertising that XXXX ) I don't even know if I received, and XXXX ) wouldn't have been the advertising that I would have chosen, as we change product advertisement on a weekly basis to match our business needs. 

I will not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 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 2023-12-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: IL
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 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens C me my 281 sw 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Upon Ucc 3-311 Ucc 3-603 Ucc 3-104 Ucc 3-306 Ucc 3-308 Ucc 3-104 Ucc 3-419 HJR 192 without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
lvnv funding sued me for a unknown debt. Agency vigorously did writ of wage garnishment on me, NEVER GAVE ME ANY NOITIFICATION ABOUT THE DEBT OR HOW TO RESOLVE ETC OR WHERE THE DEBT ORIGINATED... WAS NEVER SERVED ANYHTING! Also i never signed any agreements for the debt to be sold!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the following items removoced from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.

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 2023-10-30
Company: Navient Solutions, LLC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report. 
All alleged late payments and other transaction and experiences must be removed and ceased to being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2019-11-05
Company: Experian Information Solutions Inc.
State: KS
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:
Settlement paid to XXXX XXXX to settle charged off account. All three credit bureaus refuse to update reporting and blame XXXX XXXX for inaccurate reporting. 

All the three credit bureaus show balances of {$1400.00} when it should reflect a {$0.00} balance. 

XXXX XXXX has confirmed on their end that balance was settled.

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 2023-09-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Jet Blue XXXX serviced by Barclays for many years. Barclays sent me a new card and created a new account. I never made this request. I never received a statement. Apparently they opened this account without my authorization on XX/XX/2023. I received a letter on XX/XX/2023 stating my account was past due. Apparently, there was a {$99.00} Annual Fee on this unknown mystery card. They also charged me interest and penalties totaling {$210.00} in addition to the {$99.00}. I called immediately to protest on XX/XX/23. They said they would research. I immediately cancelled the card. They sent me a letter dated XX/XX/2023 demanding payment or they would put an unpaid charge off on my credit report. I made another phone call on XX/XX/2023. They denied my claim to reverse the charges. 

I paid the amount in full on this unknown account under threat of damaging my credit. I never knowingly made a charge. I am requesting a full refund from Barclays in the amount of {$310.00}. Their phone # is 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 2023-10-24
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Duvera Billing Services, LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was deceived by the man at the auto shop into a free financing option. XXXX XXXX XXXX XXXX XXXX I called today after finally having enough money to make an attempt at paying off the loan and I learned that I missed the promotion deadline and have been getting charged a daily interest more then the monthly minimum payment that I had been paying for the last 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2023-09-21
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
TD Auto Finance ( Finance Company ) has received an extra payment of {$6700.00} on XX/XX/XXXX, The company has not applied the payment towards my loan or Loan principal and hence, I have requested to refund the funds. 

The First complaint for refund was submitted on XX/XX/XXXX requesting a refund and the company spent 45 days without a response nor sent me a return check. 
The second complaint was filed on XX/XX/XXXX, The company have informed me that they are ready to forward me a check in 5 business days and I have kept following on the refund status every day until XX/XX/XXXX. 

On every occasion and call I have informed my financial hardship situation and pleaded to consider this issue as a priority and help me ( The customer who never failed or delayed a single payment. ) Me being a XXXX and XXXX XXXXXXXX was taken as an advantage, and been neglected & abused periodically for financial robbery and mental abuse with unnecessary and weird questions. 

Starting XX/XX/XXXX I was abused with weird security questions which were not questioned as a security question since the start of the loan and I am being put on long holds for over 30 minutes cycles for each and every call, and finally the call gets disconnected automatically after the wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
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:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
EXPERIAN is allowing XXXX XXXX stay on my credit report whom The original debt was from XXXXXXXX XXXX XXXX. where I received a credit card in XXXX I had a bankruptcy in XXXX this was included in my bankruptcy However it appears they sold my account to XXXX XXXX. and they account marked past due status also incorrect date, the Terms listed as monthly or one month. The collection company collection from the state of Illinois Under 15 U.S 1681p should be removed credit report.

Under the FCRA Law 2 year rule

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 2023-07-11
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2020 I settled a debt to CALIFORNIA CHECK CASHING, through XXXX XXXX XXXX XXXX... The fair trade commission shut this company down for fraudulent practices after I paid my debt..Now CALIFORNIA CHECK CASHING is coming for me 3 years a debt collection company called XXXX XXXX saying I'm still liable for the debt and now they've added extra fees totalling XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I called Heartland on XX/XX/XXXX at XXXX pertaining to a deferment for my student loan account. They said I qualify for a deferment and I would have to pay the interest of XX/XX/XXXX for 3 months. So I receive an email on XX/XX/2016 at XXXX saying I do n't qualify for a deferment. I called them on XX/XX/2016 at XXXX and asked them to remove my checking account information. I wake up today and XXXX was drafted out of my account. I have screen shots of all information and correspondents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: DISCOVER BANK
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My personal information was stolen years ago and used for several unauthorized accounts on my credit report. i would like these accounts off my report immediately. 
I've filed fraud and identity theft XX/XX/2023

Company response to consumer: Closed with explanation