BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-01
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a new checking account on XX/XX/18 at XXXX Compass bank in XXXX XXXX. 
I was waiting for my new debit card to come. I recieved in mail my welcome to online banking letter and a letter with my pin # in it. But no debit card. I had set up online banking and a phone app at the branch the day I opened account. I noticed I couldnt log into the phone app for my banking so I called the bank to ask about my card and the app not working. The bank informed me that the debit card had been activated and my account had been cleaned out in a day. Several transactions had been done. 
The bank also asked me if I had called to change my # and email. I told them that I had not done this.No one from banks security ever called me to see if I had for a new account. 
I then followed the banks instructions about filing a police report. Filing a mail theft report with the postmaster online. 
Also I filled out fraud dispute forms with the bank about any transactions starting XX/XX/18 that were not mine. all from that date were not mine. 
The bank has informed me that they will not refund my money that they allowed to be stollen. They said normal use on account. Its a new account and I had no debit card.How could there be any normal use established yet.? 
Fraud department also mistakenly emailed me another banking clients personal dispute info. I would think they would check name before sending a clients personal banking info to someone else. But, if they allow criminals access to my money then obviously not very perfessional. 
XXXX has acted negligent in keeping my money safe and taking security precautions to ensure that and now are refusing to refund my money from new account. 
Someone please advice and help. Single Mom XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-11-01
Company: EQUIFAX, INC.
State: IL
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 SECOND BOX REMOVE THESE INACCURATE FALSE ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Professional Finance Company, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PROFESSIONAL FINANCE C Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
i have no clue what the XXXX this is i know i didnt make this i dont care what the comapny states they have to prove its really me not anyone can use my info online anymore i pay with cash this dont tell me what is is im supose o owe im not paying for this when i didnt make this no letters came in the mail saying i did nothing at all

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 2023-12-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Credit 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:
1. I PURCHASED A PACKAGE TRAVEL WITH EXPEDIA.COM USING MY CITIZENS CARD. 
2. AFTER BOOKING MY PACKAGE WITH 2 HOURS. I WAS TOLD EXPOSED TO XXXX. WITHIN 4 HOURS. I CALLED XXXX REQUESTING A CANCELLATION DUE XXXX 3. XXXX HAS A 24 HOURS CANCELLATION POLICY FOR THE FULL REFUNDS 4. AFTER SPEAKING TO A REPRESENTATIVE. I WAS TOLD THEY ARE UNABLE TO CANCEL MY TRAVEL PLANS... I WAS INFORMED TO CALLED THE HOTEL AND AIRLINES DIRECTLY FOR ANY CANCELLATIONS. 
5. AFTER CALL THE HOTEL AND AIRLINES. I WAS TOLD THEY ARE UNABLE TO CANCEL MY SERVICES SINCE I HAD BOOKED IT ONLINE THROUGH A ( THIRD PARTY. 
6. I IMMEDIATELY CALLED BACK XXXX EXPLAINING MY OUTCOME FROM THE HOTEL AND AIRLINES. SAYING THE HOTEL AND AIRLINES DID MADE MY RESERVATIONS. AND I REQUESTING MY CANCELLATION. 
7 XXXX IS MISLEADING AND DISHONEST. MY TRAVEL PLANS WAS CANCELLED WITHIN 4 HOURS. XXXX HAS 24 HOURS TRAVEL POLICY FOR THE FULL REFUND CITIZENS BANK IS ( UNACCOMMODATING ) I AM UNABLE TO COMMUNICATION WITH THE DISPUTE DEPARTMENT. THEY ARE NEVER RETURNED MY CALLS. 
8. I KEPT CALLING CUSTOMER SERVICE TO ESCALATE MY FRUSTRATIONS. THEY ARE NOT HELPFUL. 
CITIZENS WROTE A LETTER SAYING WHAT IS XXXX POLICY IS AND THEY ARE NOT TRYING TO BE FAIR WITH MY RIGHTS.. AND RETURNING MY FULL FUND

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
This complaint is more of just an FYI since I don't expect anything to happen as a result, but I just wanted to voice my concerns in response to the XXXX article regarding Navy Federal. 
Here is the article : XXXX XXXX XXXXXXXX My primary concern is that in XX/XX/2021, my wife and I applied for a Navy Federal loan so that we could renovate our primary bedroom 's bathroom. We were seeking about $ XXXX, if my memory serves me. Mind you that we both at the time had credit scores well above XXXX or in the XXXX range, yet our loan was denied. 

As an XXXX American and retired XXXX veteran, we were insulted when we received the denial news from Navy Federal because we had never been denied a loan from any bank in the past and couldn't understand how it was possible ( given our credit scores ) we would have our loan denied. We did not contest it and just moved on because we only intended to use the Navy Federal loan as a bridge to pay for the bathroom renovation, while we waited to receive other funds from my retirement account to be processed. Our intent was to pay off the Navy Federal loan once my retirement funds were received, which we anticipated would occur within 2 months of our loan application. 

I don't expect any action from CFPB, but I wanted to go on the record after seeing the XXXX article today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, 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 WROTE EACH COMPANY REQUESTING DOCUMENTATION SHOWING PROFF THESE ACCOUNTS BELONG TO ME.THESE ACCOUNTS WERE DONE FRAUDULENT. I WAS NEVER GIVEN PROOF SHOWING THESE ACCOUNTS BELONG TO ME BECAUSE MY DATE OF BIRTH AND MAILING ADDRESS IS INCORRECT. THEY ARE CONTINUING TO KEEP THESE ACCOUNTS ON MY CREDIT EVEN AFTER BEING NOTIFIED THEY DONE FRAUDULENTLY.

Company response to consumer: In progress
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2020, A Bankruptcy reported on my credit report. A numerous of dispute letters, call, and faxes was sent credit bureau. 
I am writing to dispute the following information that appears on my TransUnion consumer report : U.S BANKRUPTCY COURT Ive contacted the Bankruptcy Court, received letters from the court and forwarded to Transunion stating that the Bankruptcy was not verified as mine. As the debtor has not verified. also, there was no written form of communication, contract, or signature for this accrued debt. A letter without my signature does not validate that his bankruptcy belongs to me. According to the FCRA Transunion has violated my rights as a consumer and Im requesting legal action to remove this public record immediately,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NY
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-06-15
Company: Experian Information Solutions Inc.
State: TN
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: IL
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 SECOND BOX REMOVE THESE INACCURATE FALSE ACCOUNTS IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NATIONAL CREDIT SYSTEMS is reporting an account to my consumer report causing defamation to my character. NATIONAL CREDIT SYSTEMS has identified XXXX XXXX as the supposed original creditor for this alleged debt. I contacted XXXX XXXX and they informed me that they filed a XXXX Cancelation of debt with the IRS for this account and the account has been paid. NATIONAL CREDIT SYSTEMS is attempting to collect the same amount XXXX XXXX wrote off with the IRS. This is tax fraud and I will report you to the IRS. The IRS defines a written off account as income and income is NOT reported on a consumer report. NATIONAL CREDIT SYSTEMS is attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was struggling and requested a forbearance and they gave me one but then reinstated it I asked them to extend it a few more months and they said they would but never did. So now I have missed payments that are affecting my credit=. I asked them to remove it and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I NEED A LIST OF ALL PAYMENTS MADE VIA XXXX OR XXXX XXXX BETWWEN XX/XX/XXXX TO XX/XX/XXXX SENT TO RECEIVING CODE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
on XX/XX/2020 Portfolio Recovery Associates sent me a letter of collection and added a derogatory mark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send me a bill and say its mine. Further more there is conflicting information such as dates the account was opened is listed different on my credit report vs paper work they have sent me. According to the FCRA, PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my first house in XX/XX/XXXX and my mortgage company went thru XXXX, my first payment was XX/XX/XXXX. I got with my bank and they began having my mortgage payments drafted from my bank account beginning in XX/XX/XXXX twice a month. Everything ran smoothly until XXXX of XXXX when XXXX transferred my loan to Mr. Cooper. Being a first time home owner my bank continued to draft my payments to XXXX until Mr. Cooper sent me a letter stating my past due balance, I emailed Mr. Cooper and XXXX ( researchincoming - Mr. Cooper & XXXX XXXX in XXXX of the payments made showing that my loan was current and XXXX needed to transfer my payments to Mr. Cooper, I spoke with XXXX several times trying to get my payments transferred. In XX/XX/XXXX I had to pay {$2000.00} the loan payments I had already paid for to keep from foreclosure. Finally in XXXX they credited my account and I didn't need to make a payment until XX/XX/XXXX. I had already paid {$670.00} on XXXX which was put into Unapplied Funds with Mr. Cooper and completed my XXXX fee of {$670.00} on XX/XX/XXXX. I also made a payment of {$330.00} on XXXX. I have made a payments to keep my loan current but since my payments are partial payments they continue to keep them in Unapplied Loans and continue to send me letters and threaten late fees. I have called them several times but they insist since they are partial payments they will not move them to my balance. I am a single parent who has suffered health issues and I pay my dues timely. I am unable to speak with a representative from Mr. Cooper any longer due to my health and the fact they do not listen. Mr. Cooper states I owe {$1600.00} for XXXX and that exact dollar amount is in Unapplied Funds. I am unable to pay my mortgage at this time in 1 payment, I will continue to pay 2 monthly installments like I always have. 

Also, I didn't receive a letter from XXXX for resolution until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: MD
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2019-11-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB  XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my loan for XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made 5 years of payments. It is XX/XX/XXXX and I still have no title. I have called XXXX XXXX XXXX   several times and they keep telling me they processed it XXXX XXXX. I have not received. They seem to be very uninterested in my plight. I need help getting the title to my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In response to : XXXX I went into my local branch at Bank of American to have someone help me setup automatic payments on one of my credit cards. I was told automatic payment were successfully setup. Not once was an automatic payment taken out. This resulted in a 30 day late on my credit report. I do not believe that the 30 day late is accurate since I made effort on my behalf to make sure this was setup properly by going into a local Bank of America branch and being told recurring payments were setup properly. 

I then went back into my local branch and was told that I needed to fill out a form and this is why the automatic payments were not setup properly, this is not true. 

I was able to have my son help me do what an employee of Bank of America said he did and that was setup recurring payments. I was able to log into my account online and successfully setup recurring payments. 

The payments were made as one-time payments because the employee from Bank of America didn't do what I was told was done otherwise this would not have happended. 

Attached is proof that I have been getting the runaround. 
1. Told by employee that automatic payments were succesful 2. Then told I needed to fill out a form ( which I will provide ) 3. A screenshot of my son showing me you can do it online. 

If you look at the response of complaint : XXXX. You will see that even in that letter they tell you to call a number. It's a complete mess.

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