BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My personal information was stolen ( social security number ) and used to open a credit card account ( in XX/XX/XXXX ) with Navy FCU. I noticed this new account in XX/XX/XXXX. {$740.00} was charged to a credit card account. Navy FCU closed the account on their own after determining it was fraudulent. I am trying to get a letter from Navy FCU informing me that this has been resolved. I have not received anything yet. I sent a letter on XX/XX/XXXX. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Sent money to my wife in XXXX on XX/XX/2018 in the amount of {$120.00} at Moneygram station or CVS Pharmacy at XXXX XXXX XXXX, in XXXX, PA XXXX. Total cost {$130.00} which included the fee. Moneygram reference number XXXX. Moneygram gave me a refund including the fee later that week. Moneygram said that they didn't feel comfortable sending money for me after the review. There's nothing I can do about this they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: AmerAssist A/R Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 A/R Solutions , Inc. A debt collector contacted me via writing and phone attempting to collect a debt that is not owed. Let this be a written notification through the CFPB that this debt is not valid and does not belong to me. Please cease communication and collection process or civil suit will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally financial they willingly new this contract was fraud and continued to tarnish my name a Reputation. They also took XXXX from me on a consumer credit transaction which shall be the sum of all charges and not comparable to a cash transaction. 15usc1605 4109.81 is owed back to me for my back payments I've made to you guys 15usc 1692 h Plus my XXXX deposit Plus the serveal violation I've marked as exhibits thatsowed to me asap. 
XXXX in violations from statements I'm demanding my title and lien for free and all payments owed to me. 

There's a cease and desist on this account you guys will also be receiving my affidavit oftruth and a invoice certified mail.

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 2021-11-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Navy Federal Credit Union ( NFCU ) and spoke with a Mortgage Representative ( Ms. XXXX XXXX ( NMLS # XXXX ) and specifically asked, " Will NFCU accept/use an already approved Veteran 's Administration ( VA ) appraisal? '' and was told by Ms. XXXX that NFCU would ( Email from NFCU ( Ms. XXXX ) attached ). Although Ms. XXXX was not my loan processor, she was extremely helpful in providing answers to my questions. My Loan Processor, Ms. XXXX XXXX ( NMLS # XXXX ) sent me XXXX package ( Tracking # : XXXX XXXX XXXX ) to complete my refinance application and I returned it via XXXX as well. Afterwards, I ended up speaking with Ms. XXXX XXXX ( Supervisor, NFCU Mortgage Department ) ON XX/XX/2021, in great detail regarding my loan and Ms. XXXX asked if I wanted to have my loan transferred to another processor. My response was if it would take more time to process my loan, then I would stick with Ms. XXXX. After a week, Ms. XXXX left a voice message on XX/XX/2021, stating my VA appraisal will be transferred and that it will save processing time since it was already approved and its a VA loan. To my dismay, my loan was transferred on XX/XX/2021 to a new processor, Ms. XXXX XXXX ( NMLS # XXXX ) and was ultimately disapproved in XX/XX/2021 as a result of NFCU claiming it was due to my new credit score that was XXXX. I provided NFCU all the requested information only to be deliberately misled and ultimately disapproved and my credit along with my wife 's has been affected as a result of NFCU 's inability to process my refinance application in a timely manner...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: OH
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:
15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -what to write -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX Account name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call 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 non-monetary relief
Consumer complaint received 2020-02-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are trying to collect a medical bill or a co payment for a medical bill. I am doubled covered with two health insurances. I have a XXXX  XXXX  XXXXXXXXXXXX  XXXX and I also have XXXX through the state of California. In the past two years, I have had XXXX  XXXX, major  XXXX  XXXX and with being double covered ( XXXX XXXX being the first and XXXX being the second. I am XXXX XXXX and they keep bothering me with this and making reports to the credit bureau. They are not billing the insurances properly and I have told them that many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding is attempting to collect a debt that is unverifiable and I do not owe. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. Midland Funding is reporting invalidated information on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I understand that this complaint might be handled by the executive office of CitiBank and that's actually a concern for me. I can't count on CitiBank executive office staff members.

I had an issue with CitiBank customer service, following which a team member from Citibank executive office called me apologizing for what happened. The team member also provided me with the direct phone number of their executive office for in case I need to reach out to them directly in the future. The number is XXXX. 

I applied for a credit card. I was advised that there are no issues relating to my credit score and or any other factors for having my credit card application approved, it's only an identity confirmation that is pending for the card to get approved. I was told that I would receive a letter via mail for verification purposes. I was advised upon receiving the letter I would need to call CitiBank customer service to confirm my identity and then the credit card would be issued. 
I never received that letter from CitiBank. I called the executive office phone number that was provided to me when I realized
that phone number is taking me only to their general customer service, and the general customer service then telling me the executive office of CitiBank is not reachable over the phone. This means the team member who provide me that phone number is fake and misleading. 
I can't believe I applied for a credit card with such a below standard bank. If the CitiBank executive office is so misleading, what more can I expect from their general customer service. 

Application ID 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 2021-11-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On ThursdayXX/XX/XXXX I opened up a personal account with Citibank which is also the same bank I currently have a business account with I deposited a check for {$15000.00}. On Saturday I went in person to the branch to transfer money from the personal account to the business after transferring {$3500.00} to the business account my account was blocked and I have verified all of my information and still the bank will not allow me access to my money. I have reason to believe Im being discriminated against. Im requesting that you guys pull the customer service calls from Saturday and Monday where both agents were rude and extremely unhelpful. As of the time of this complaint I have been sitting at the Citibank branch where I opened up the account for over an hour and they cant even get a hold of the fraud department meanwhile I have to pay my rent and they are holding my money 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 2023-06-21
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Hello. Please refer to previously submitted complaint ID XXXX. Affirm responded with the following : If you are in need of a modification in the future, you may follow this link and apply to see what options are available to you : XXXX XXXX XXXX However, this website does not work and has not worked when I came across it months ago and reattempted just moments ago ( please see attachment ). Their response is misleading as a veiled approach as if they have a financial hardship policy for their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotion that stated : Pay at least one insurance bill with your XXXX XXXX XXXX XXXX XXXX by XX/XX/XXXX to earn a one-time offer of XXXX Reward Points I paid a statefarm bill on XX/XX/XXXX in the amount of XXXX  The terms state within 2-3 billing cycles but the promotional points have not posted. 

The company responded citing a " recurring bill pay promotion '' which was a separate and distinct promotion from the Insurance bill payment promotion. I am stilled owed the XXXX points. 

I have attached their response which incorrectly cites the wrong promotion.

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 2023-02-01
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.

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 2020-02-07
Company: General Motors Financial Company, 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 is missing that should be on the report

Complaint:
I have recently been informed that there is negative information reported in my Credit Report by GM Financial in the file that they maintain under my social security number. Upon reviewing a copy of my credit report. I have been notified that the billing address was incorrect. I have never received a billing statement from GM Financial. I understand that mistakes happen, but their inaccurate information could cost me higher interest rates and I have enough expenses as it. this is affecting job opportunities and my living situation for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THIS CREDIT BUREAU IS REPORTING THE WRONG NAME AND ADDRESS ON MY CREDIT REPORT. I ONLY HAVE XXXX NAME WHICH IS XXXX XXXX XXXX. MY ONLY ADDRESS WHICH IS XXXX XXXX XXXX, XXXX XXXX, MD XXXX. ANY OTHER NAME AND ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT NAME AND ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS OR GONE BY ANY OTHER NAME. ANY OTHER NAME AND ADDRESS IS INCORRECT AND NEEDS TO BE DELETED.

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 2020-07-12
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
18 years ago I was informed I had a time share at a place called XXXX XXXX. 
I disregarded the letter as I never bought into any timeshare in XXXX XXXX. I called the timeshare company then and told them I did not buy the timeshare. I did not hear back for about 5 years and assumed it was gone. Then I started getting calls that I owed {$5000.00} in back maintenance fees. I called them and told them I didnt know who they were I didnt know where they were. The next week I get a company called Meridian financial services send me a letter for collection. I called them and they were nasty and told me I would pay them eventually and they hung up. They harassed me weekly and sometimes daily calls. I hired a company call XXXX XXXX and they had it removed from my credit report as it was causing me to get turned down for credit. 6 Months later it was back on my report. I got it removed and 1 year later they got it back on. I get letters from the XXXX XXXX that I owe {$14000.00} in back fees. I hired another company called XXXX XXXX. Now what Meridian does is Put collection accounts on the report with different numbers each time so it looks like I have several collection accounts when it really is just the same company. I called them and they hung up. My credit is still being wrecked by this company it is the only bad on my credit report I have never been late on any of my many accounts but it costs me higher interest rates on my mortgages. But I refuse to pay the blackmail they are doing to me. I have asked repeatedly to show me one place anywhere that I signed for this timeshare and they tell me they dont have to. I did find that someone not related to me grant deeded this to me and I found that you can do this to anyone as long as there is no mortgage on it. I considered grant deeding it to a Judge and let them deal with it but decided against it. Several years ago I grant deeded it to a homeless guy who did not care and I informed the XXXX XXXX about it and they responded with they dont recognize that deed. I told them it is the same way I got stuck with it. They still keep sending me bills for over 15K. Please help!

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 2019-10-29
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation