BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I went to South Carolina to begin my XXXX XXXX for the United States XXXX while down there I had none or very little access to phones, internet and even my money because we were training to become XXXX but while I was down there my banking account had been compromised with navy federal leaving me with XXXX cents due to atm withdrawal fees over XXXX $ During the time I was in XXXX XXXX which I didnt need know where near that kind of money and the atm chargers where nowhere near close to where I was at the time and I told navy federal I could prove it with documentation I was in XXXX XXXX. when I had got my phone back after two months on XX/XX/XXXX family day and checked my bank account I found out somebody had stole my identity and acted like me guessing my code word to navy federal and changed the pin to my lost/stolen card because I didnt give anyone permission or know anyone personally who would steal my money and the police are investigating now to access it so I changed everything about my navy federal account new routing number, new pin, new code word. I asked did they need any of my documentation for the credit provisions they were giving me and do I file a police report with them or the cops and I did it with the cops they told me no even though I couldve provided it so on XX/XX/XXXX I was negative the balance that was stolen from me and the credit provision so I called navy federal they were very rude and little to no help at all the call center representative told me I was denied because a third party who we both dont know who it is, said I gave written permission to spend my money so they denied it without even verify sources after I told them I dont know who stole the money and my card was lost then stolen that was the second time they let somebody act as me on behalf of my account the fraud supervisor XXXX or something hung up on me after she said she couldnt do anything to help me which was very rude. I just want to get my money back and how does navy federal keep letting my account get compromised if I try to go threw all these precautions measures to not!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received phone call from XXXX indicated they were process server attempting to serve after failed attempt. Advised me to call XXXX and gave me case number. Called and they advised about a 2012 debt for Bank of America card for XXXX. When advised never had that card and never received any written notification, they asked me to take care of debt over phone or process server would be to our home in next half hour. 

When said needed in writing again, hung up. Called back asked for their address and became hostile. Then advised would transfer to first person spoke with and never connected. 

The first call was answered as XXXX and XXXX. Then second call was a rep in legal department it said.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: PA
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 sent a letter into Experian letting them know that several accounts that was reporting did not belong to me and also a address they have reporting on my credit, i never once lived there, the address is XXXX  XXXX XXXX XXXX. I asked that accounts ( which im bouts to list below ) to be removed and they still remained on my credit report. 
( XXXX XXXX. Account # XXXX ) ( XXXX XXXX XXXX. Account # XXXX ) ( XXXX XXXX XXXX. Account # XXXX ) Under the FCRA Act section 611 ( 15 U.S.C. 1681i0 ) i asked for these accounts to be removed. 
I didn't give written permission to have those accounts furnished on my report as 15 U.S.C 1681a2 sates, they have to have written permission. I am kindly asking for these accounts to be removed from my credit report, please and 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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 need all three credit bureaus to remove this fraudulent account I was hacked, My signature was hacked and my checking account by The XXXX XXXX XXXX XXXX XXXX and XXXX app. Defrauded my credit report with a charge of credit of XXXX and has stolen a total of XXXX from my personal checking account from my bank. I linked my bank account to The XXXX XXXX app and I made a mistake and my identity was stolen. I reported it to XXXX by phone call nothing was done. I closed the app and the spend and saving account deleted the app XX/XX/2023 made police report and filed complaints

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 2018-04-26
Company: CITIBANK, N.A.
State: IL
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:
I sent Citibank a letter to attempt to settle this old account that was a charge off since 2013. The sent me a letter saying they would update the credit bureau 's. They reported that I was 60 days late. I have settled the account and want to have this corrected as paid.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I did not authorize or give consent, nor do I benefit from the following inquires. Please Block and remove. 
XXXX XXXX XXXX - XX/XX/2023 SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: AES/PHEAA
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 status incorrect

Complaint:
To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. DO NOT EMAIL ME. ONLY CONTACT ME VIA US MAIL. Please provide statements and records of all payments made and missed since I opened the account VIA US MAIL NOT EMAIL. 
In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Also, your record is incorrect in the timing of payments. I have asked you to remove any late payment notifications from your records and credit agencies since there is no plausible way that payments can be made through XXXX, paid in full, and then a late payments of 90 days show up in XXXX for the month of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 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 2020-01-06
Company: On Q Financial
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On Q Financial has requested several documents that I have submitted based on each follow up I've performed. The initial application, letter of explanations, and additional letter of explanations to clear up questions/concerns on behalf of their underwriting review. I've talked to their Loss Mitigation department requesting a one time 30 day foreclosure postponement to allow time for underwriter decision, and I've been advised that the online portal they have, they are unable to view documents I've uploaded them until 24 hours. My property will be up for auction tomorrow, and unfortunately I do not have the 24 hours window to wait as my home is up for auction tomorrow XXXX. On Q financial has all of my 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 2023-10-06
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I've been late with payments for the last few months, generally paying 15-20 days past the due date. Whenever this occurs, TD Auto finance calls me six times a day, 7 days a week. Three times a day on my cell phone, and three times a day on my home phone. I never at any point gave consent for this, unless of course they decided to hide it in their lengthy TOS. If so, I was never made aware of this, and I have a really hard time believing that consent can be given in such a way legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: LA
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 following account XXXX was charged off as of XXXX, 2019. Since then the account has repeatedly been updated as charged off every month to the three main credit beauers. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.

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 2019-06-17
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
hello, i recently received a response { on a different complaint that i filed } and was not given the opportunity to reply - therefore i am starting a new complaint. 

XXXX from nelnet replied to two different complaints - one for nelnet and one for XXXX. are they now the same entity? they were not in 2017. 

i requested the information be sent via SNAIL MAIL. attaching them to a complaint online is not SNAIL MAIL. 

also, you asserted that i have not been making payments and that information is absolutely 100 % incorrect. i make payments every month - perhaps it isn't what you want, but it is what i can afford based on the ridiculously high balance you say i owe. which, by the way, is more than i borrowed. how is that possible? 

if you are claiming that i do not make monthly payments, then i will contact my bank, as they are sent via automatic bill pay on a monthly basis. please clarify - are you receiving monthly payments from me or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 purchased a home security system through XXXX XXXX on XX/XX/XXXX. It reported to XXXX and XXXX with a hard inquiry and monthly payment until XX/XX/XXXX. On XX/XX/XXXX, I received a timestamped email from XXXX XXXX stating that they will be transferring my account to XXXX XXXX XXXX. Only on the TransUnion XXXX XXXX did XXXX back date that I had an account with them starting in XX/XX/XXXX and they put that I had a deposit of {$99.00}. This is FALSE and fraudulent and needs to be corrected immediately. I did not have an account with XXXX XXXX XXXX until XXXX or XXXX of XXXX. I did not put a deposit down with XXXX  XXXX because I purchased the equipment and plan outright. I have an old bank statement to prove it. I also have monthly bank transactions from XXXX XXXX up until XX/XX/XXXX. I have proof of the emails from both XXXX XXXX and XXXX. It is validated on my consumer reports for both XXXX and XXXX. It just recently dropped off my consumer report in XX/XX/XXXX. I disputed this claim through TransUnion online system and provided copies of the email stating that transferring of my account to XXXX. TransUnion just mailed me a printed copy of my consumer report, which was received XX/XX/XXXX, stating that their investigation is accurate, and no further action will be taken. This is fraudulent because I supplied them with a copy of the email from XXXX  XXXX. TransUnion and XXXX XXXX XXXX should both be audited and investigated for reporting inaccurate and false information. I have bank statements. This can not be doctored or changed. TransUnion and XXXX XXXX XXXX is knowingly reporting false information. Yes, the account is reporting positive, but it is still false and should be addressed immediately. Yes, I am still an active paying customer of XXXX XXXX XXXX but how can I trust them if they are knowingly reporting a XXXX. And I requested a refund from XXXX back in XXXX that I NEVER received yet. I was charged from equipment that I did not ask for. It is on a recorded line and documented in their system. This is fraudulent practices in the open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A 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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Two accounts are still on my credit history after contacting the credit bureau. They have the incorrect status and account balances. 

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 2023-12-02
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have attempted to contact my loan service provider MOHELA via calls and email about the administrative forbearance I was placed on in XX/XX/2023 without my knowledge or consent.I currently have {$16000.00} in student loans with {$190.00} in interest as of XX/XX/2023. I am currently on the SAVE plan which has me on a XXXX $ XXXX payment plan and am supposed to have any accruing interest subsidized after a payment date has passed. These payments should be counting towards my full forgiveness after the 120 payments as is part of my payment plan, however that is not the case. Additionally, it is taking over one to two months for MOHELA to respond to my emails about the subject.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: SC
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$6400.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9400.00} 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 explanation
Consumer complaint received 2021-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had no idea about it. I wasn't getting notification. All of a sudden, I had debt collection call me through the day. I told them not to call me, but I still get calls from them from different numbers. The debt collectors kept pestering me even contacting families and acquaintances who I haven't seen for years, and then leaving scary, threatening messages ... and then I hear about it from multiple friends of their friends before it reaches me.

Company response to consumer: Closed with non-monetary relief