BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I XXXX XXXX, the natural person, consumer, and original creditor am not a third party, nor is there a third party involved or assisting me with this complaint. I am filing this complaint by myself for myself. 

I XXXX XXXX the natural person, consumer, and original creditor of an open-end credit plan was denied my right of credit By NAVY FEDERAL FINANCIAL GROUP XXXX LLC, doing business as NAVY FEDERAL CREDIT UNION . I was notified of this transgression of my rights by NAVY FEDERAL FINANCIAL GROUP, LLC, doing business as NAVY FEDERAL CREDIT UNION, according to 15 USC 1601- The Truth in Lending Act by US mail XX/XX/2021. Based on 15 USC 1602 definitions of the Truth in Lending Act I as the natural person possessing an open-end credit plan was harmed by NAVY FEDERAL FINANCIAL GROUP , LLC, doing business as NAVY FEDERAL CREDIT UNION adverse action taken against me denying me my rights pf which the civil damages pursuant top 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} NAVY FEDERAL FINANCIAL GROUP , LLC doing business as NAVY FEDERAL CREDIT UNION is now civilly liable to pay damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was the victim of a scam. I am a XXXX XXXX XXXX mom that needs to make money. I looked online and found someone offering a job I could easily do. They offered to pay me before the work. I looked them up Online, their company, even their home address. Everything seemed legitimate. They told me they would cut the check through their work, XXXX, and not to worry about the endorsement on the back. I submitted that to my bank and there was an instant hold. I wasnt surprised to the amount. Then I noticed I no longer had access to my account to deposit or withdraw. I called boa and they said that the check was a bad check and that I was now a liability to the bank. Id been banking there for over 30 years and now Im a liability? I spent hours on the phone trying to get it fixed. I was passed along from person to person who treated me like a criminal. They all just said oh well and youll have yo appeal with the fraud department thats not with Bank of America. Here we are 3 weeks later and my account is opened and refunds are being submitted but the account is being closed and I cant open another account because Ive been flagged as a liability

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 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed the inaccurate reporting or errors on my credit report with documentation. XXXX  did not remove the accounts

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 2022-08-25
Company: EQUIFAX, INC.
State: TN
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:
Hey my name is XXXX XXXX XXXX and i have tried many times to rectify this issue with EQUIFAX. At this point i feel that i have been taken advantage of and treated unfairly. I have sent many dispute and this company just fail to follow the law and properly investigate this matter. these negative items on my consumer report has made it extremely difficult for me to obtain any type of credit.b I am hoping we can rectify this issue and remove the fraudulent items from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I read the response from Equifax that indicated the address XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX was not reporting on my credit file as of XX/XX/2020 but when I pulled my Equifax report on XX/XX/2020 it does report. I have never lived in XXXX  XXXX, MO I have attached proof that Equifax lied and did not remove it and continues to report false information. SEE THE ATTACHED DATED AFTER THEIR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Bread Financial Holdings, Inc.
State: WI
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 asked the credit company to take a late payment off if my credit reports because of good faith. Ive never been later before and this one should have been an exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Starting in XXXX of XXXX I noticed fraudulent charged on my bank account. I have contacted then repeatedly since then and have gotten the run around. I lost more than XXXX XXXX. Citi refuses to be accountable for my Identity being leaked or used fraudulently or for adhering to there XXXX fraud liability.

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 2020-04-22
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was originally opened with a co-applicant my daughter to purchase her a vehicle. However shes filed bankruptcy and now its been closed on all 3 credit report agencies as a closed account with XXXX dollar balance however it is still showing up on mine as active even though the account is actually closed now per her attorney. The account was actually closed on XX/XX/2020. Please help me with getting this removed from my 3 credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my card off in full by my due date but I was charged an interest fee for a cash advance and for purchases. I made no purchases with my credit card over the past billing period. I did not use my card at all, besides to pay it off. I contacted my card issuer and they said that I was being charged twice for a cash advance that occurred in XXXX. Therefore they charged me interest twice on one single transaction from 2 months ago.

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 2022-01-04
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: Was not notified of investigation status or results

Complaint:
I have reached out to both XXXX and the Collection agency Named XXXX XXXX XXXX regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as experian is reporting a date of last activity as XX/XX/XXXX while XXXX is reporting a date of last activity as XX/XX/XXXX. In the payment history, Experian continues to report this account as a charged off account, while XXXX is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Used my bankruptcy and the fact I am on a limited income ( XXXX ) against me to deny me a store card. All I needed was a {$300.00} limit. I handle my other cards just fine and in fact they are all paid off. Citibank has always been prejudice to those who are on medical 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 2017-04-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made all monthly installments along with any late charges that accrued. At maturity of the loan the lender says that there is still a large balance outstanding. I have been unable to get any explaination or resolution from this company by phone.

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 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I received a notification that " XXXX/XXXX   had requested my Transunion credit report. Apparently, this was a XXXX 'XXXX  XXXX credit card, I am not even a member at XXXX XXXX XXXX so I wouldn't even have a reason to apply for their credit card. I called their customer service number, XXXX, and spoke with a representative who had no record of me ever filling out an application. Afterward, on the same day, I called Transunion for help in removing this inquiry and they said my only source of recourse was to file a consumer complaint.

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 2020-06-21
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive disputed this account with the credit bureaus and they will not remove this from my report. The young lady I spoke to was terribly rude. Ive called them several times and I even asked if the had the original company phone number and she rated stated that she didnt have that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On numerous occasions, I have complained about the following accounts that repeatedly show up on my credit report that are inaccurate and were never verified according to the FCRA guidelines 623,611 please remove the following inaccurate accounts : XXXX XXXX XXXX AND XXXX XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted according to the FCRA guidelines 623,611.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: FL
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: PR
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 fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXXXXX 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 2022-05-02
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX , I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies XXXX XXXX, Experian and XXXX XXXX services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : 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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2018-10-05
Company: Settle It Inc.
State: CA
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:
Settle it promised me 2017 to get my federal loans forgiven. They have been charging me monthly for working on getting my loans consolidated and forgiven. Until two weeks ago a new rep confessed they do not work to get my loans forgiven nor fixed. They just work to get my loans offset.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-21
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I have reached out to Navient on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX  school. Each one of the loans showing as an individual account on my credit. Navient ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, Navient failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to Navient and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. Navient has been paid. Navient should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I used my zelle account through my XXXX XXXX XXXX XXXX app to send my wife {$180.00}. Right as it was approved my account was locked. The money was sent because my wife got a notification telling her I sent her {$180.00}. But when she went to get it there's no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   NY XXXX REF : XXXX XX/XX/2019 ADDENDUM OF SUPPORT In XX/XX/2019 Ive managed to purchase few electronics-related items at XXXX XXXX XXXX  XXXX, located in XXXX XXXX, NY. During the check-out I was going to pay the amount of {$310.00} via AmEx Gold XXXX, however after Ive inserted the card in the terminal, it showed DECLINED, so Ive decided to use another card instead that was XXXX  XXXX to pay the due. The transaction was successful so Ive left the store. However, couple days after this incident Ive noticed that both charges with identical numeric portion have been posted on my AmEx Gold and XXXX XXXX  Card on the same date. Ive addressed the issue to XXXX XXXX XXXX Customer Support over the phone and theyve promised to get back to me with a resolution, however as of today I havent been able to get any update from the merchant. For your convenience, Ive submitted proof of second charge on my XXXX  card. 


Please, consider supporting documents attached. 

I have retained a copy of this letter for my personal files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The alleged collection agency states I owe a XXXX  bill in the amount of XXXX. However, this is false. I paid my entire XXXX  bill in full before switching cell phone companies. This is in fact accurate because XXXX would not unlock my SIM card so that I may switch carriers WITHOUT paying my cell phone balance down to XXXX. This additional charge does not belong to me.

Company response to consumer: Closed with non-monetary relief