BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: NAVY FEDERAL CREDIT UNION
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX a business partner stole my Navy Federal credit union credit card and made $ XXXX in unauthorized charges buying a truckload of inventory for her personal store. 
I contacted Navy Federal as soon as I found out. They said I didn't report the fraud in time. I filed a lawsuit against the person and won. But she can't/had n't made any payments. 
XX/XX/XXXX I contacted Navy Federal to once again try to be covered by my fraud protection now that I have a court order showing they were not my charges. Once again Navy Federal didnt care, and I'm still stuck paying {$300.00} a month on a card I didn't use. 
Navy Federal did how ever offer a payment reduction plan which I agreed to on all 3 of my cards. 
I had to do an application for all 3 cards which was time consuming and I was instructed not to make any payments until the application was approved which could be up to 30 days. 
Not even a week after applying Navy Federal collections department took payments from my savings account. I wasn't on ach and they hadn't contacted me that they were going to do this. I called the bank they apologized and v refunded the money. The payments caused the applications for my payment reduction to be thrown out the system. I had to reapply again. 
A week later... Same thing happened but on top of cancelling the apps and taking my money they reported all 3 cards 30 days late! During my 7 unit income property being refinanced. My score dropped over 80 points and I was denied a refinance..I spent hours on the phone the last 3 months with supervisors who promised to fix them. Now 6 months later they still haven't fixed anything. 
So I emailed 8 corporate officers including Navy Federal credit union legal team .. Not one person has called. except the cc collections people ... .I now have less then 2 months to save my life and refinance my only income over a banking error that the bank promised to fix but has not.. Causing me great stress, lose of sleep, little appetite, XXXX and more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting 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 the morning of XX/XX/2023 i woke up with XXXX unauthorized inquiries on my credit report Credit Alert New Inquiry XXXX XXXX XX/XX/2023 from TransUnion > Credit Alert New Inquiry XXXXXXXX XXXX XXXX XX/XX/2023 from TransUnion > Credit Alert New Inquiry XXXX XXXX, XXXX XXXX XX/XX/2023 from XXXX I've tried calling TransUnion and XXXX to get this resolved but was not successful. A security freeze was placed on my account with XXXX. I did not authorize any of these inquiries nor have i applied for anything that would run my credit.

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 2021-11-11
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I financed my car with Santander Consumer USA in XXXX of XX/XX/XXXX. I paid roughly {$15000.00} for it. After 2.5 years into the loan my payoff is {$14000.00}. I called for a payoff last year during this same time and it is still the same amount this time this year. Ive only been credited about {$900.00} into the principal after completing 27 payments. My interest rate is 27 %. So far Ive invested almost {$13000.00} into paying for my car and havent been credited {$1000.00} towards my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX I purchased a XXXX refrigerator from Sears. It was not used until XX/XX/XXXX. At that time it was not cooling. I contacted Sears about repair or replacement. They sent a repair technician. XX/XX/XXXX, Sears technician said the brand, new refrigerator needs a compressor and rescheduled repair for XX/XX/XXXX. I called every Sears contact, including Sears Corporate Office and explained that I had an urgent need to provide tenants with refrigerator sooner that the 2-week time. I even begged to borrow a scratch & dent fridge! Sears consistently responded that they would not take the fridge back beyond 30 days. I requested that they remove the fridge from my property. 
XX/XX/XXXX Sears technician decided that the compressor was not the problem and he needed to order a timer and thermostat. XX/XX/XXXX, technician said all parts did not arrive and he must reorder the thermostat. More repair appointments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The repair scheduler was surprised that Sears did not replace the fridge. I kept calling Sears to replace the refrigerator. The CSR offered me {$50.00} discount. I declined and request that they remove it from my home. I paid other unrelated charges on my account and informed Sears that I will not be paying the balance of {$290.00} which I attributed to the partial cost of the fridge. I responded to Sears ' complaint form of XX/XX/XXXX, reciting these allegations. They decided that I am responsible for the balance-not because the fridge is useful, but because they were not contacted in a timely manner!! Citi informed me that they sold my account balance to Collections ; XXXX XXXX XXXX, XXXX. The fridge is still useless and is waiting in my home for Sears to remove it. I am particularly upset because I firmly believe Sears would not have dumped their defective product out on XXXX XXXX or in XXXX and compel those consumers to pay for and keep a refrigerator that they can not use. But people in inner city XXXX are easy, defenseless targets to exploit. This is highly offensive. 
4 documents attached. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has to many Inquiries on my credit file that I did not apply for or give permission. Experian says that I applied or tried to obtain credit. Experian has companies I did not apply for credit. 
Experian has nothing to support what they say by no contract nor any supporting documents. just words as in fraud by Experian with no support.

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 2021-01-08
Company: Experian Information Solutions Inc.
State: CA
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 submitted a verification of the following account XXXX # XXXX with Experian on XX/XX/XXXX. Today XX/XX/XXXX I was informed that the investigation was completed with no correction to the before mentioned account. I disputed The same account XXXX # XXXX with XXXX on XX/XX/2018 ( complaint # XXXX ). During XXXX investigation they modified the account to not refl How can two different credit bureaus investigate the same item and get two different results? Per FCRA the accuracy of what items are reported on my credit report is the responsibility of each credit bureau. I have disputed this item multiple times with Experian knowing I have with XXXX as well and also knowing the results were different with both conducting investigations with different results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: BQ & Associates, P.C., L.L.O.
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by collection agency Brumbaugh and Quandahl ( in XX/XX/XXXX ) out of XXXX, Ne re :  XXXX XXXX XXXX student loans. I began monthly payments to BQ and in XX/XX/XXXX the debt was settled. My dad took a check to their office in XXXX. I received a generic letter stating the debt was settled. Fast forward to XX/XX/XXXX, I am trying to complete my XXXX degree. I need to secure grant money in order to used my employer 's tuition reinstatement program. I completed the FAFSA and was told I have 2 Student loans in default. I provided the clearance letter to XXXX University and was told there is not enough information on it. I contacted BQ and was told the case has been closed so long there is nothing they can do to provide specific evidence of clearance. If this is not settled fast I will loose the {$2400.00} I become eligible for between XX/XX/XXXX as it must be used before XX/XX/XXXX, the XX/XX/XXXX-XX/XX/XXXX tuition assistance from my employer. I have read that XXXX XXXX XXXX was suing to collect debts they could not prove. BQ or the servicer never reported clearance to the Dept of Ed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CITIZENS FINANCIAL GROUP, INC.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I noticed an unauthorized charge of {$130.00} by XXXX XXXX on my Citizens Bank Credit Card Cash Back+. I immediately called the bank to report the fraud. The credit card was closed and I was issued a new credit card and was told the issue should be resolved within 2 billing cycles ( it has been more than 2 billing cycles with no resolution ). Since then, I have called numerous times for updates on the case and every single time, I have received conflicting information. For example, I have been told someone from the dispute department was going to reach out to me but no one has so far or that they can't find a record of the dispute or the dispute has been resubmitted to escalate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I filed a mandatory forbearance request with my loan servicer AES and they did not request any additional information. They granted a temporary forbearance then rescinded it and charged me a late fee in XX/XX/2020. They are charging me this late fee and forcing payment during the period the government has issued a moratorium on student loan payments, through XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Credit Collection Services on XX/XX/2020 in reference to a debt owed to XXXX XXXX XXXX XXXX for XXXX. I reached out to dispute this bill because I never signed for service from this auto insurance company and the next day they put this debt on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: AFNI 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'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
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.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: IN
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-10-21
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act Publishing of Listed addresses : XXXXXXXX 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 XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: FL
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:
Equifax currently has a freeze on my credit report. They claim that this was fixed, but as recently as today, XXXX bank has reported a freeze on my report and are unable to access my credit information. I have been trying to correct this for over a year with Equifax. They have asked for copies of my birth certificate, passport, driver 's license and a letter of explanation which was sent to them in XX/XX/XXXX and again XX/XX/XXXX. I called them today, and they claim there is no problem with my account. They refuse to escalate the problem to a manager. On several occasions they simply hang up the phone. I have been told to seek legal advice. Before I do that, I am writing to you, per my Bank 's recommendation, Please let me know if there is anything I can do in addition to resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an XXXX auto insurance plan for a few years and made monthly payments. I had shopped around and I ended the auto insurance plan on XX/XX/XXXX prior to due date of monthly payment and obtained a new plan with a different company. I contacted the company several times letting them know. They continued to send monthly statements for an policy that I ended. I would have to call them and report the same thing over and over. On XX/XX/XXXX I received a letter from collection agency regarding the remainder of the policy. The letter was dated XX/XX/XXXX. I have contacted the company in writing disputing the charges.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
In XXXX, I reported the accounts below as being opened as a result of identity theft. The accounts were then blocked/removed from the report and the fraudulent address associated with them was also blocked/removed. I recently noticed the accounts and the address has re-appeared and without any notification that it is was going to re-report. These accounts are a result of identity theft and I never opened them. I have tried to resolve with the bureau but with no response at all. They continue to report this information after initially removing/blocking it after receiving the identity theft packet in XXXX, and now re-reporting it in XXXX of XXXX,, and refusing to respond to my dispute regarding these accounts. The bureau is also reporting that I filed for bankruptcy when I have not filed. Then removing it and re-reporting that I filed a day later. 

Chapter XXXX Bankruptcy XXXX XXXX - Account Closed XXXX XXXX - {$18000.00} Due XXXXXXXX XXXX -Account Closed XXXX XXXX XXXX XXXX {$300.00} Due Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2023-12-27
Company: U.S. BANCORP
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS ON TRAVELING AND MY CREDIT CARD WAS STOLEN I CONTACTED US BANK AND INFORMED THEM OF MY CARD BEING STOLEN ALONG WITH OTHER CREDIT CARDS OF MINE, US BANK STATED THEY DID A FRUAD CLAIM FOR ME AND THEN DENIED MY FRUAD CLAIM SAYING I HAVE DONE BUSINESS IN THE PAST WITH THESE MERCHANTS, MY CREDIT CARD WAS STOLEN, I LOST MY WALLET AND I HAVE OTHER FRAUD CLAIMS AND LETTERS FROM OTHER BANKS CONFIRMING SUCH, I DID NOT MAKE THESE CHARGES AND THEY NEED TO BE REMOVED OFF MY ACCOUNT IMMEDIATELY. MY CARD WAS STOLEN AND USED WITHOUT MY PERMISSION. THESE CHARGES NEED TO BE TAKEN OFF IMMEDIATELY. 

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 monetary relief