BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a problem with my debit card information getting used for purchases I did not authorize. I also did not give my information out to anyone. I used my card once with XXXX and some employee hacked the system and took my info and tried to buy stuff but I was alerted by text and called the fraud department and it got resolved quickly. But I had to cancel my card and get a new one. Then somehow my card got used in a state Ive never been to for pizza. I saw the charge on my account and called the fraud department again and got it resolved. Well now the fraud department says that Im in violation of the debit card agreement. All my disputes were found to be valid and founded by the credit union so I dont know what I exactly violated. I read the agreement and have not done anything against it at all. But now I am told that I cant get a debit card for a year and that they have closed the matter. I have asked repeatedly for them to tell me exactly how this is my fault and why I am being punished and they will not give me an answer. I thought Navy Federal CU was a good institution until this happened but now Im feeling unfairly punished without good reason and I am being bullied by the fraud department. I want another debit card for my account and for them to make it so thieves cant get my info so easily. I dont use it very often except to pay bills on secure sites or on XXXX XXXX I deleted my XXXX account and am careful to not have my debit info out there. Can you help me please? If I just close my account then they win and can continue to treat other customers this way which is not professional in my opinion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: AZ
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:
Someone stole my credit card information and used it to make two large purchases out of state where I've never traveled to. I disputed the charges immediately and was assured that I would be credited and sent a new card. 

It's been two weeks and one of the charges remains on my account. I've been on hold today for a total of 2 hours, transferred 7 times and hung up on by three separate representatives. 

The call centers I am being transferred to have employees that talk over me and don't understand what I'm saying. The last person I was transferred to said that one of the charges I disputed was denied. 

No one will help me and I'm being charged for purchases I never made. It's extremely frustrating.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation 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 2023-09-06
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has admitted that it does not believe that the XXXX XXXX XXXX debt is mine and this it is fraudulent, but still keeps reporting it to XXXX which is affecting my overall credit score. The debt is from XXXX and was obtained across the country from where I live. I live in XXXX Alabama on the XXXX XXXX and have for almost 30 years, the debt was from somewhere in Michigan, an area of which I have never even traveled to. I want this harassment to cease and to have the company stop reporting in the collection on my credit report. 

This is the company attempting to collect the debt from me : CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX at XXXX I received a call from a DC police officer by the name of XXXX XXXX claiming that he has a warrant with my name on it and a potential diplomatic fine of {$1800.00}. He asked me several personal questions such as full name, DOB, last 4 digits of my SSN and said that if I dont pay the, {$1800.00} via XXXX, they will come and get me from my home and keep me in custody for interrogation for 3-5 days. I panicked and sent the funds right away since the number +1 ( 202 ) 698-0150 did come from the DC police department and the officers sounded legitimate over the phone. When I called back the day after to make sure everything was settled, the officer in the phone said I was scammed and that their lines have been getting hacked for the past months. She recommended me to file a police report and a claim with my bank, but that there isnt much they can do about it. After submitting the claim with Bank of America they also said they wouldnt be responsible since they dont have a customer protection system in place for XXXX transactions. This is why im reaching out to you, with the hope I can recover these funds since I have a pregnant wife with a newborn that financially depend on me.

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 2023-06-23
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2023-07-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, we suffered a house fire. XXXX sent us a check for {$210000.00} to rebuild our house. The check was addressed to us, XXXX and XXXX XXXX, our private adjuster, XXXX XXXX XXXX XXXX, and Freedom Mortgage. We owe a mortgage on our house, and we are not behind in payments. We contacted Freedom Mortgage regarding the check. On XX/XX/2023, we received an email from XXXX XXXX XXXX containing a packet of five forms we were instructed to complete and send to Freedom Mortgage with the endorsed check in order to receive the {$210000.00} to rebuild our home. We sent the completed forms and the endorsed check via XXXX mail overnight to Freedom Mortgage on XX/XX/2023. On XX/XX/XXXX, my husband, XXXX XXXX called the Freedom Mortgage Loss Draft Department and spoke to XXXX. XXXX said our packet and check had been uploaded XX/XX/2023 into Freedom Mortgages Loss Draft Department. He then stated that we would receive our check within ten business days from when the check was uploaded. 
Today is XX/XX/2023. XXXX business days have come and gone. Freedom Mortgage gave me a XXXX tracking number created to mail my check. Today XXXX, I called XXXX and they have not received any package from Freedom Mortgage associated with the tracking number. They did confirm that tracking number was generated by Freedom Mortgage XX/XX/2023. 
Today I received a message in writing from Freedom Mortgage through my portal on their website stating that my check was mailed to me XX/XX/2023. 
Today, when I called to verify this information, XXXX in the loss draft department said the check is being processed and the earliest it would be mailed to us is Wednesday, XX/XX/2023. Also, I haved asked numerous times both in writing and verbally that my processor, XXXX XXXX, call me regarding this matter. No one has called me. 
Clearly, Freedom Mortgage has exceeded their timeline of XXXX business days to give me my money. I told them in writing and verbally that I have a XXXX XXXX XXXX daughter who is a XXXX and XXXX. Our house that burned was XXXX accessible. Currently, we are in a rent house that is not XXXX accessible. Freedom Mortgage is also in violation of the Americans with Disabilities Act by denying me the funds to rebuild my home that is accessible to my daughter. I am requesting that I immediately receive my check. Attached is all messages sent and received through the Freedom Mortgage website portal regarding this matter. 
XXXX and XXXX XXXX cell : XXXX, cell : 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 2023-06-30
Company: Experian Information Solutions Inc.
State: NV
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act.

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.The Accounts are listed below. 

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 2023-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Yesterday my acct # XXXX, at JPMorgan Chase had a balance of over {$55000.00}. Today the balance is XXXX. The bank refuses to tell me what happened to the money I have reason to believe it was stold by an employee named XXXX She also stole my government benefits from social security totally over XXXX usd

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Social Finance, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. After numerous complaints they finally called but I missed the call. I immediately called back to leave the message hoping to get them to call me back but to no avail to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
On XX/XX/XXXX I paid a balance of XXXX to XXXX Synchrony Bank. This was before the due date of XX/XX/XXXX. I checked my credit report and my score was brought down by 12-14 points for a balance that I had paid in full before the due date. I received emails from XXXX saying that my payment had been returned, but yet my account shows that my balance has been paid in full. Other customers are encountering problems like this with XXXX synchrony 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 explanation
Consumer complaint received 2023-04-29
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: Old information reappears or never goes away

Complaint:
All disputed accounts are still reflecting in my score, they were supposed to be removed within 30 days after being disputed. I now have a potential lawsuit on my hands against Experian.

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 2022-12-04
Company: United PanAm Financial Corp.
State: GA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cr furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have called every month since XXXX to get a stop payment on a re-occuring charge Every month the cancel my cards and tell me the issues are resolved, and every month I am having to call in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: WA
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 XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called into Wells Fargo Bank on XX/XX/2022 to issue a stop payment. They charged me a fee of {$31.00} and the stop payment was never enforced. I went into the branch to close my account and open a new account and was told that the pending transactions were on hold and the account would automatically close once the transactions were cleared. Wells Fargo deducted {$38.00} from my account on the following day XX/XX/2022. When I called to question the withdrawal they admitted it was an error on their part and stated they would return the amount. In the process it made my account a negative for a {$210.00} pending transaction. My payment was returned with insufficient funds fee and a return check fee from the company. I went into the branch again on XX/XX/2022 because my account was closed and there was a remaining balance of {$260.00} and it was not transferred to the new account, or to my joint account. The transaction was described as " PAY OFF DEBT NON INTEREST WITHOUT FEE '' I asked what this consisted of and nobody had ever saw this type of transaction before. I stayed at the branch for 2 hours but to no avail they did not know where my money was. I have filed complaint after complaint. I call every day and I speak to several customer service reps and no one can tell me where my money is and they all say the same thing, " They can not issue me my money '' They are investigating my account to see where my money went. They clearly took the money out of my account and refuse to give it back. They said it could be up to six weeks for them to find my money and issue me a cashiers check if they find it. This is clearly a case of THEFT and FRAUD. The people assigned to my case has not been to work since the case was started on XX/XX/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 2023-04-29
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation