BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular Navy Federal is using the XXXX platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to Navy Federal I have closed accounts that thy are still trying to collect on and have recorded me at XXXX XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but Navy Federal is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with XXXX. I have made every attempt to fix this situation. I have spoken to several NFCU employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for 12 years. the amount of damage is ongoing and difficult to quantify. 
XXXX has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ALLY FINANCIAL INC.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I accidentally transferred {$25000.00} from my credit union checking account to an already funded CD account with Ally bank on XX/XX/2023. Since the CD was already funded Ally bank supposedly returned the funds back to my external credit union checking account on XX/XX/2023. I still haven't recived the funds. I have contacted Ally bank multiple times with no solution. The last time I contacted Ally, I was told that I would recive the funds by XX/XX/XXXX but still no funds were transferred to my external account. I have also contacted my credit union to see if they can trace where the funds are but all they could see is the money transfer to Ally bank.

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 2023-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX - account is flagged for " fraud '', not fraud its me that caused the fraud XX/XX/XXXX - im told that account flagged for " fraud '', take 10-15 business days XX/XX/XXXX - On hold Still XX/XX/XXXX - 15 business days past. account still frozen and im being charged XXXX when i cant even use the account. 
XX/XX/XXXX - Open CFPB 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 2023-05-27
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have no knowledge of this Honda Financial account. I believe I was a victim of identity theft. I would like this removed from my credit report expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: JPMORGAN CHASE & CO.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After attempting to set a meeting with XXXX XXXX, Vice President Market Expansion Branch XXXX at JPMorgan Chase & CoXXXX in the XXXX XXXX area, XXXX eventually stopped responding to emails and stopped talking phone calls. I've attempted to set the meeting to facilitate closing of a nonprofit organization 's checking and savings accounts as we transition to a new banking institution. XXXX and I were previously connected on XXXX. After I attempted to get her attention in a public forum on the social media site, she removed the connection and still has failed to respond to my reasonable requests to close accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-24
Company: Genesis FS Card Services, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Genesis FS Card has called me XXXX XXXX times in the last XXXX days. They called me XXXX of those times on Saturday, XX/XX/XXXX. I have already asked them on numerous occasions to stop calling me and have blocked them each time they have called since then. They are using a different number each time they call and have used spoofed numbers with my area code and neighboring area codes in an attempt to get me to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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 filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days, I have not received the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
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:
this information that has been reported to my credit report is fraudulent, and I would like it to be immediately removed and blocked from my credit report because it is causing me a lot of health issues.

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 2023-05-27
Company: Cascade CISS Holdings, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  ( Miscellaneous ), 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 cannont furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: MO
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 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 as Violated my Rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX : it also states a Consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
I called the credit reporting agencies and let them know the inquires in the documents are not to be on my consumer report. I never gave them any consent.

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts 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 2020-06-15
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Equifax needs to remove XXXX XXXX XXXX debt from my credit file. This debt paid in full on XX/XX/2020. Please see the receipt for paid debt, and the email XXXX will remove the collection agency from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: PNC Bank N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I am XXXX and have an account at PNC Bank. I didn't choose this bank, but BBVA Bank migrated my checking and mortgage accounts. 

In XXXX of this year, I sold my residence in Florida and I am sending money from PNC Bank XXXX XXXX XXXX in XXXX. Out of the XXXX transactions I made, I succeeded only in the first XXXX. For the second one, I requested a refund to my account, and for the last XXXX XXXX and XXXX XXXX, I have been relentlessly trying to resolve the PNC Bank 's error. 

I have a joint account with my brother, who doesn't have a login or password and has never accessed the bank. I take care of the finances, and only I have access. For the last XXXX transactions, I requested the transfer in my name as the sender to my account in XXXX ( XXXX ). The simple receipt from PNC Bank states that I am the sender. However, at the time of the transaction, the document that arrives in XXXX shows my brother 's name as the sender. This prevents me from converting dollars to XXXX under the same ownership. To receive this money, I would have to declare it as a gift from my brother to me. This is not correct and would imply more taxes. So, the foreign exchange department of the bank in XXXX asked me to request a " XXXX XXXX '' amendment from PNC Bank. This is a simple document that would solve my problem. 

I have been asking the bank for help since XX/XX/XXXX. In fact, I pleaded for help because I need this money to pay for XXXX. What I received was XXXX email per day, just stalling, asking XXXX question per day. Today, they responded that they unfortunately can't help me. I just need them to please send a document stating that I was the sender. Could you please intervene on my behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting debt of XXXX on my XXXX XXXX, Experian, and XXXX  report. This debt was paid directly to XXXX University, not the in-house collection agency. XXXX XXXX XXXX needs to remove collection agency and balance from all three credit bureau. Please see attached receipts and email from XXXX stating the collection account remove.

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 2021-05-11
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt with Specialized Loan Servicing ( SLS ) was discharge in a bankruptcy XX/XX/2011. There has been not contact with SLS in more than ten years. SLS has refused to release the lien unless the original discharged debt amount plus interest calculated since the time of discharge. Pease see attachments for details an additional information.

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 2023-05-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian knowing holds back correct report. How can they offer a boost in your report if you pay the monthly fee?

This means they knowing know their reports are wrong while filing them for other businesses to use.

This is unfair business p [ racticve and very deceitful to consumers. Also causing in higher interest loans due to lower credit.

How can you guarantee a boost in someone's credit without knowing your company is lower on PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXXEntered loan modification agreement process. Made on-time monthly payments to satisfy modification agreement. 

XXXX XXXX Made on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. 

XXXX XXXX-Made on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. 

XXXX XXXXMade on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. 

XXXX XXXX XXXX Made on-time monthly payment but did not have access to online account or online documents. Inquired when I would have online access. Was told my concern was being posted to the notes in my account. Was also told I would have online access to pay my mortgage in XX/XX/XXXX. XXXX came and went, I did not have access to make online payments or access to see current loan documents online. I requested documents to be sent to me. They were never sent. 

XXXX XXXX I made my monthly payment and inquired about payoff documents being sent to me and current balance on loan. I was told the modification documents were still being reviewed and were not available. I inquired about my year XXXX 1098. I was told I would have to wait because the loss department did not handle sending out 1098s. 

XXXX XXXX I made my online payment and inquired about documents I requested. Upon being told I would have to wait for the documents, I sent LoanCare two certified letters and two regular mailed letters inquiring about the status of my mortgage and my 1098. By now, I could see my online account but all documents were not current, last year posted any payment was XXXX. I called LoanCare the third week of XX/XX/XXXX inquiring about my online account and my XXXX 1098 for taxes. I was told the representative was sending another email to her supervisor alerting them to my concern. I told the representative that I had been getting the same message about my account for more than a year. I was put on hold, then told LoanCare was sending out additional documents for me to sign due to an error they typed on the documents sent to me a year, XXXX, earlier. I was informed that the documents had not been mailed as of that date.

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 2022-03-10
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXefferson Capital Systems has been reporting a collection on behalf of an original creditor of XXXX XXXX. I have disputed this several times, as I have not had a XXXX XXXX service. When I call Jefferson, they tell me XXXX XXXX is now handling this, and they are unable to provide me any information. I call XXXX XXXX and they tell me Jefferson is handling this and I have to contact them. All I want is some sort of bill and proof of account and they can not even tell me anything about this file. This needs removed from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions 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 sent a letter to Experian credit bureau XX/XX/2019, asking them to remove a bankruptcy from my credit report because it's against the law to report this information they obtained from a third party known as XXXX XXXX they said they verified the information and refused to remove it. I'd like them to remove the bankruptcy 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 explanation
Consumer complaint received 2023-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Submitted a dispute with USAA on XXXX XX/XX/2023 after XXXX delivered the completely wrong order ( a significantly cheaper order ) and refused to refund me multiple times. I submitted the receipt and photos of what was delivered to me as well as 3 chat logs where XXXX admitted they made a mistake and said I deserved a refund but due to policy, they could not grant one. I submitted this 3 times to the USAA dispute portal. After 60 days they said they had not received them so I called them at the end of XXXX and they asked me to resubmit a different way. This time they received all documentation and I received confirmation. It then was sent to the merchant and it has been in a waiting for Merchant 's Response status ever since. On XX/XX/XXXX I received a letter from USAA saying after a thorough and reasonable investigation was performed and reviewing all internal records and relevant information it was determined that no error was made and they would reverse the XXXX credit for they granted me. However, as of today XXXX XXXX the dispute status still shows waiting for XXXX 's response. I don't know how thorough an investigation it was that they found in the merchant 's favor when the Merchant still hasn't responded to the dispute. I contacted USAA on Monday XX/XX/XXXX to ask for the documentation that they used to come to their conclusion as their letter said I had that right. They submitted the request to their internal security team but as of XXXX XXXX XXXX still have responded but on XXXX XXXX they debited my account for XXXX. I feel like they closed this investigation without any action and without gathering any facts as the only evidence they have is mine and yet they found for the merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a credit card with XXXX which is through Comenity Bank. I made my payment of {$65.00} and closed my account in XXXX. At the time, my account was telling me that it was paid in full and i did now owe. I opened this account in XXXX. 5 months later, I get a random email letting me know my XXXX Statement was ready to be viewed. I thought it was weird and logged in. It said I owed {$240.00} worth of late fees and interest charges! I was never once called by Comenity bank that these charges were overdue and I was incurring late fees after late fees each month. Not one single call to let me know! I tried to resolve it with them and they sent my account to collections and told me they have nothing to do with it now and to deal with collections. My online account is from Comenity bank and said my balance is {$240.00} and willing to accept a payment. When I called the collections company XXXX, they told me I owed {$190.00} which doesnt make sense. They have no answers to why the amounts are different and they are not willing to waive any fees for me even though they never had the decency to let me know these charges were being accrued every month. Now my credit is messed up and no one is willing to help me. I

Company response to consumer: Closed with explanation