BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have filed two other complaints about Navy Federal Credit union - A few days ago they decided that the credit they already gave me on my XXXX XXXX card for fraudulent activity is now added to my balance of my credit card - I have a credit amount of {$15000.00} and now my credit card balance is over {$24000.00} When I called they told me it was found to be fraudulent and the credit would stand Navy Federal has ruined me - ruined my credit and ruined me getting bank accounts anywhere along with my credit rating going down. 

These companies that have fraudulently charged my accounts are from XXXX XXXX, XXXX ( a gift card buying web site ) of which I DID NOT PURCHASE ANYTHING FROM THEM OR RECEIVE ANYTHING!!! 

THE REASON NFCU IS DENYING THE FRAUD CLAIMS IS NO BILLING ERROR HAS OCCURRED. OUR DETERMINATION WAS MADE BASED ON YOUR TRANSACTION HISTORY, ACCOUNT HISTORY AND/OR DISCREPANCIES BETWEEN THE FRUAD CLAIM NAND NYOUR ACCOUNT NFCU OWES ME A LOT OF MONEY AND THYE ARE JUST DENING THE CLAIMS TO HURT VETERANS AND THEY BREALY DO NOT CARE ABOUT THE PEOPLE THEY SERVE. 

I NEED THE MONEY NAND THEY NEED TO HOPEFULLY RESTORE MY CREDIT RATING THIS IS AGAINST THE FEDERAL BANK REGULATIONS- IF YOU REPORT FRAUD IN A TIMLEY MANNER THEN YOU ARE NOT RESPONSIBLE FOR ANYTHING OVER {$50.00} - THIS IS THOUSANDS OVER NFCU HAS PUT MY CREDIT RATING BELOW 600 AND CLOSED ALL OF MY CHECKING ACCOUNTS AND WILL NOT REISSUE MY XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a Goodyear credit card at a local tire store. The application was approved same-day but they refuse to send the credit card to the current address on the application. The first minimal payment is due in a few weeks and I am not able to set up an online account to pay the bill.

I called Goodyear several times and they notified me that they sent it to a previous address which they pulled from somewhere. There's a reason why I put my current address on the application! I volunteered to send proof of current address ( copy of drivers license, voter registration card ) but they refused when I called. They also said they needed to verify by TXT'ing my cell phone with a code. I said OK but then they said that their computer was unable to do that.

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 2023-11-28
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-01-19
Company: R & B Corporation of Virginia
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:
Ive contacted the company numerous times to report this account is fraudulent/identify theft. This account was opened when I was a minor by someone else. I requested them to remove this account from my credit file as its not mines and I was a minor when this was fraudulently opened in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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/XXXX I purchased a 3 Ton Hydraulic spring compressor from a website that appeared to be legitimate. The website ended up being fraudulent and never delivered the product. When I opened a dispute with XXXX originally the seller then sent a single envelope with a page of stickers in the shapes of stars to satisfy the requirement that they show that something was shipped. XXXX would no longer accept my dispute and suggested I contact my card company. I contacted Capital One on XX/XX/XXXX to let them know what happened. They mailed me a disputes form which I provided all the information they requested but then got a letter indicating my dispute was declined. The reason for the declination is that they said they received my mail, but they didn't get a date that I canceled the transaction ( something completely irrelevant to this situation or dispute ). As far as I'm concerned Capital One and XXXX are both providing scammers the ability to setup these fake sites and send untraceable money through them using fake information. Neither of these companies have attempted to resolve any part of this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My husband and I have a loan with Toyota Financial Services. My husband filed bankruptcy, the loan on the vehicle was included in his chapter XXXX. I did not file and per consultation with his attorney, I am protected as well as my credit invoked under the provisions of 11 USC 1301 ( Co-Debtor Stay protection ). The issue is, Toyota has reported two missed payments and the remarks show late in the notes on all three credit reporting agencies. Per his attorney, he called into the bankruptcy department at Toyota and was not able to resolve the matter. The resolution is still pending. This situation has dropped my score over 100 points and now caused my XXXX account to lower my credit limit further hurting my score. Since this matter is not getting the attention needed, I need the CFPB to step in. I'm also in deep conversations with a prosecutor who specializes in these type of co-debtor situations to pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: CO
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2023 I received a denial of credit during a pre-approval process with an auto lender due to Insufficient or Derogatory Credit. They noted their decision was based in whole or in part on information received from Experian. 

I then immediately went on Experians website to get a free copy of my credit report from Experian as the Fair Credit Reporting Act requires Experian provides me if I request it within 60 days of an adverse credit decision. 

I eventually found the appropriate form to request the report online. ( This was not easy to doit is hidden on Experians websites homepage, or else buried under dark patterns. I had to use a XXXX search to find the relevant form on Experians website ). 

I filled the report request out and submitted it. I then answered identity verification questions. After answering these Experians website took me to another page which said my session had expired. All this took place over a period of around five minutes. I then redid the report request. Instead of asking me to verify my identity the website then took me to a page which stated, We were unable to honor your request. If you entered your credit card information, we did not charge you. Below this was a form to print out and mail into Experian. These are attached to this complaint. 

To be sure this was not caused by a website error from using my browsers back button I restarted the process once more from the request due to adverse credit decision webpage. The third time was not the charm, and I received the same notice as on attempt number two.

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 2023-01-06
Company: Security Credit Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection is being to the bureaus that I do not have knowledge or aware of. This is clearly fraudulent. Listed below are the details of this collection account. 

Security Credit Services LLC XXXX # : XXXX Opened : XX/XX//2020 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Carvana Group, LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Carvana forced me to give them my social security number and XXXX. XXXX says that's a credit card and XXXX says they can't ask me for that and since they broke the law getting it they are also committing credit card fraud because they used it to fleece my trust and since they took the money funds and didn't give me any binafits that's another crime. And I told them all of this over and over so ignorance is no excuse. I informed them of a list of laws and codes they where breaking several times. I have copies of our chat to prove it. I'll give you a list of a few.

15usc1602 15usc1662b 12cfr1002regb 12cfr1002.7 42usc408 15usc1691e 15usc1605 12usc4131 15usc1691e 15usc1679aand2 15usc1601 15usc1611 For starters. I need something done about this. I have signed contracts with them and the deal was done on more than one deal and they just cansle it and act like they never heard of me. Well I got the proof. And I need action taking to remedy the damages they have created. The same goes for XXXX XXXXXXXX and XXXX XXXX  and XXXX XXXX XXXX I was pre approved through XXXX XXXX  and now they are ghosting me so they are all screwing me and have no regard to the law. I have told them all over and over what their doing and they just treat me like XXXX. As the creditor remedy must be Givin. They all got rich off my trust and I'm left with nothing. Not ok. Not one has Givin me a list of diciding factors on why my limitless credit isn't good enough to give me what I need but it's good enough for them to fleece my trust and git rich. It's fraud and theft and since they gave me the ap and took responsibility as my trustee they need to go to prison. They all owe me millions. Please help bring these criminals to justice thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Today XX/XX/2020 it took me 1 hr before finding someone. they offered a balance transfer months ago. I had a purchase previously. I realized after months that the capital on purchases keep increasing every month while the balance transfer decreased This is a money I will never finish payin ; from XXXX XXXX XXXX Purchases bal {$5400.00} while transfers {$3600.00}. 
XXXX purhases become {$5600.00} bal transfer {$3400.00}. 
XXXX XXXX XXXX purchases : {$5700.00} bal transfer {$3300.00} No money will be taken from purchases until the full transfer amount is paid in full. I was never told that otherwise there is no way I would have accepted the deal from the bank. 
I spoke to XXXX at XXXX XXXX. I asked if they can make ONE SUM  from the 2 and deduct the money left after payment of their interest. I will never finish paying those days where things are hard the bank should give a help to consumers. And BOA keeps adding a credit line and taking it after a few months make my credit score fluctuates all the times. 
My rate is 14.74 % they keep playing with me. the strategy is a 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 explanation
Consumer complaint received 2020-03-23
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
America First FCU, headquartered in XXXX, UT, has done almost nothing to combat the spread of the coronavirus. While considered an essential business that must remain open during this pandemic time, they have only closed a few of their branches and keep most of the branch lobbies open to all. This is very concerning and does nothing to prevent/slow the coronavirus from spreading. Many other financial institutions have made the ethically right move of only keeping their drive-thru open at branch locations, but closing their lobbies. America First FCU appears adamant on keeping their lobbies open, which puts their employees and their membership in highly increased danger of contracting and further spreading the virus. They do not care if this means people in their organization and in their communities become ill or worse. This is unethical and disreputable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Secured credit card was opened with XXXX XXXX  in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as 56 charge offs for the amount of {$9.00}. XXXX is only reporting this account to Experian and XXXX, not XXXX  ... Ive reached out several times to XXXX to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.

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 2020-05-07
Company: Credit Management Control, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Submitted complaint to XXXX on XX/XX/XXXX Received follow-up report on XX/XX/XXXX Concerned with debt collection from Credit Management Control on behalf of XXXX XXXX. They claim this belongs to me. I have NEVER lived in Texas where these charges stem from. 

Credit Management Control has been contacted. Now they are sending the past-due bills to my home in Virginia. I have lived in Virginia full time since XXXX. 

I have provided CMC proof of my identity and my residence for the past three years even though these bills only go back two years.

They have assurred me they are removing it from my report, but the information I received from XXXX  is that they are not going to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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

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 2022-11-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Report act, everything has to be 100 % accurate on my credit report and under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

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 2023-03-05
Company: Monterey Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in the early month of XXXX XXXX I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, I called and cancelled my XXXX Subscription. On Wednesday XX/XX/2023 I woke up to XXXX notifications from my bank stating that XXXX attempted to take {$9.00} from my account. When I called them they stated that although the account was deactivated that they couldnt stop the subscription fee. I called back a couple of hours later and was told that the subscription was cancelled and received an email with a reference number for confirmation. This morning on XX/XX/2023 I received another notification from my bank stating that XXXX more attempts were made by XXXX for the amount of {$9.00} again. I called XXXX and was told the same thing and received another email from them stating that it was cancelled. I dont understand how a business can tell their customers that their account is deactivated yet still try and take money from them. I cant log into the account or do anything with it, yet they can still attempt to take money for a service that Im no longer using. If customers dont pay attention to their bank accounts XXXX could easily collect {$120.00} a year from the customer unbeknownst to them. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted both XXXX and XXXX several times to dispute many duplicate credit inquiries ( 12 total ) from Capital One Auto Finance, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

XXXX and XXXX are able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative. 

Have also submitted complaints about XXXX and XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
I have provided XXXX XXXX XXXX XXXX XXXX  XXXX XXXX as supporting documents for proof of identity but the company instead of closing the fraudulent account, they used the supporting documentation I provided to update their information with the credit bureaus and match my information to the fraudulent identity theft account they have in place. 
I demand an immediate close of this account and to send me document letter prove that the account have been closed and stop reporting on my credit report and take it down 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 non-monetary relief