BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: NAVY FEDERAL CREDIT UNION
State: MO
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:
XXXX - Four separate {$1000.00} electronic checks were deposited into my checking account from an unauthorized source. I contacted Navy Federal Credit Union on XXXX about those checks and made them aware that I did not deposit them and was not sure where they came from. 

XXXX - Navy Federal Credit Union closed my checking account. 

XXXX - They reassured me that all of the money that was originally in my checking account would be transferred to my new checking account. I was told that once the money ( {$1800.00} ) was transferred to my new account I would be able to continue to use my checking account as I normally do. 

XXXX - Navy Federal Credit Union transferred {$3700.00} total to my new checking account. This was the total of two paychecks in my account. 

XXXX - NFCU removed the 4 {$1000.00} checks from my checking account. 

XX/XX/XXXX - NFCU pulled {$2300.00} from my checking account to pay an " outstanding balance '' on my old checking account. I was never informed about this negative balance and I am not aware of how this checking account was drawn to a negative balance. 

XX/XX/XXXX - NFCU pulled {$1000.00} from our joint checking account to pay off an outstanding balance on my new checking account. This withdrawal was also not authorized and I was never notified that NFCU was going to be moving money from one account to another. 

XX/XX/XXXX - I contacted NFCU regarding the discrepancies in checks deposited/withdrawn and the negative account balance. I did not spend money to cause my checking account to go negative {$2300.00}, and I discussed this issue at length with NFCU and assured them that any transactions or money transfers were not done by myself or authorized by myself. NFCU refuses to provide me with information as to where this money was spent, when it was spent, and by who it was spent. NFCU tells me that there is nothing they can do and that I am responsible for the {$2300.00} that has been spent. In addition, NFCU removed {$1000.00} from our joint checking to pay off a negative balance that I did not cause. They have now misplaced {$3300.00} and they are telling me that there is nothing they can do and that I am fully responsible for their mistakes. I have made them aware that I fully intend to file a formal complaint and/or police report. 
XX/XX/XXXX - My wife transferred all remaining money ( {$2200.00} ) to her savings account to prevent any further losses from our shared account because we do not trust our bank. It is a shame to admit that we do not trust our financial institution to properly handle our money and defend us in the setting of fraudulent charges. 

*ALL copies of deposits, transactions and withdrawals from the accounts mentioned above can be provided upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX, and Experian credit companies are not complying with their own policies in a timely manner.

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 2021-05-25
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX is reporting a collection account on my Transunion report that does not belong to me. The company states that they are collecting on behalf of XXXX XXXX  which I have no account with, neither is there any closed account with this company on either three of my credit reports. I have tried countless times to remove this account and Trans union won't comply with my request for investigation nor explain to me what method of verification they're using to validate this debt being inaccurately reported to my credit profile. According to FCRA, fair and accurate investigations are the rights of the consumers. This inaccurate information is affecting my credit score and preventing me from being able to purchase a home.

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 2023-07-12
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for borrowers who were deceived by XXXX job placement claims. By court order we suppose to get automatic student loan forgiveness how meet the criteria, it's been more than +4years of suffering waiting for the action by the department of education . I submitted an application for loan forgiveness based on my eligibility for the program, but I have not received a discharge despite waiting for over four years. the lack of loan discharge has impacted my life, such as the financial burden of continuing to make payments on a loan you believe should have been discharged. Also, I been denied for mortgage, loan even a credit card of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been behind on my monthly payments so I began making partial payments to catch up. The payments were in the amount of {$280.00}. The payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Some of the payments were returned with a letter stating that partial payments are not excepted on the account. So, I received XXXX or maybe XXXX of the returned payments and no one can explain what happened with the other one. In addition my online account has been locked preventing me from viewing my account, so I can verify if and when payments had been applied. When I called to ask why my account is locked it was stated that it is because my account is behind on payments. I explained that as a customer I should have access to my account however, it remains locked. Also, There has been a big discrepancy in my payments since they started returning them and it's difficult to know where I stand currently. Just recently, XX/XX/XXXX I made a payment of XXXX because I entered into a payment arrangement however, I discovered that the monthly amount was too much so they kept the payment of XXXX and returned the rest in a check. When I called to adder the situation no one knows what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credence Resource Management LLC, kept contacting me, mail & phone trying to identifying me using an incorrect name, to collect on an XXXX XXXX XXXX debt. Then mailed & phoned my parents. Finally placed collections report with the credit bureaus using the wrong name again. 

Filed a dispute and arbitration request with XXXX XXXX XXXX in XXXX of 2020. Additionally mailed Credence Resource Management LLC a cease and desist no contact letter. 

XXXX XXXX XXXX contacted me, and we resolved the issue. Collection reports with credit bureaus were removed. 

3 months later, Credence Resource Management LLC calls me on the phone trying to collect on the XXXX XXXX XXXX resolved debt, after having received a contact cease and desist letter. I claimed fraud to get Credence Resource Management LLC to send me some sort of documentation identifying Credence Resource Management LLC. 

Received documentation identifying Credence Resource Management LLC, and in turn sent Credence Resource Management LLC a demand letter for willful and reckless violations of the Fair Credit Reporting Act as follows ; 1 ) For continued harassment after a cease and desist letter was received by Credence Resource Management LLC. - Harassment - 2 ) Continued collection attempts on a case that has been resolved and forgiven by XXXX XXXX XXXX. - Negligence - 3 ) Heynis misrepresentation, distortion of money owed, to commit extortion and fraud. Outstanding balance was {$260.00}. Credence Resource Management LLC per documentation, was trying to collect {$1100.00}. Over 4 times the original amount. Violates the Fair Debt Collection Practices Act. - Deception - The part that really makes me mad is violating a persons right to privacy, when calling and mailing family members, purposefully causing uninvolved family members duress and conflict as a whole.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Im submitting a complaint to today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2021-05-25
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. ( Attached are copies of my identification documents for reference. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. Department of Education - XXXX and XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; Medical Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2023-11-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Ive been calling Lakeview/Loancare since XX/XX/XXXX, I wasnt alerted as the consumer until XX/XX/XXXX that the website is experiencing a cyber attack. I havent been able to reach a representative due to the 5 customer service numbers. Ive been told I wont be charged a late fee and my information wont be reported to the credit bureau. Unfortunately they failed to alert myself of the security attack. Ive been asked for my full social security number and banking information which I feel very uncomfortable about. Since the issue isnt fixed and their negligence is causing massive panic Im filing a complaint. Their professionalism is non existent and unacceptable.

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 2023-05-22
Company: Bread Financial 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:
My family and I went to XXXX XX/XX/XXXX. We were stopped by a worker from XXXX named XXXX for a free second day visit to XXXX and also a free XXXX night stay to a resort vacation club in the United States XXXX All my family had to pay was {$60.00}. I was told to pay {$30.00} and then I would have to sit in a XXXX hour presentation for timeshares for club XXXX. After the presentation was over I was told to pay the rest. I was told this was a no hassle presentation with no strings attached. On XX/XX/XXXX at XXXX my XXXX and I arrived at Club XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This woman tried hard to convince us to buy into the timeshare .This lasted at least XXXX hours. Once she realized that we were not budging the woman ask me to write down my social and also she needed a copy of my XXXX XXXX  card. The way she stated it was needed to complete the XXXX night resort vacation package we was in entitled to. Once she returned she handed me my card and passed us alone to Someone else that tried to convince us again to buy into the timeshare. On XX/XX/XXXX I received a welcome letter from comenity capital for a credit line that was opened for {$2900.00} for XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: LA
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 explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
I originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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