BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: NAVY FEDERAL CREDIT UNION
State: OK
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 have filed complaints with XXXX XXXX XXXX and XXXX against Navy Federal Credit Union regarding numerous misapplied payments and payments taken from the wrong account than what was given to the member service representatives. I tried to file another complaint with XXXX XXXX XXXX however they close it as a duplicate complaint even though it is not just a duplicate complaint it is an ongoing and reoccurring issue with XXXX. I would like someone else to address my issues. They are reporting incorrect information to the 3 major Credit Bureaus after I was told by their legal department that I did n't have to make a payment until the complaints were finished however that too was a lie on XXXX behalf. Access # with NFCU XXXX. After Numerous attempts to get the incorrect reporting resolved on all three credit reports XXXX XXXX does nothing to fix these issues just closes the dispute saying the information is correct. Their legal department advised me not to make a payment while prior investigations we going on however XXXX XXXX said that they do n't record calls in that department for legal reasons and that they have no record of say such XXXX XXXX XXXX was the party spoken to XXXX. They probably do n't record them to cover up their corruption. All three credit cards with XXXX XXXX need to have their slate wiped clean for all the misapplied payments and errors that XXXX XXXX has created. They also tried withdrawing funds from the wrong account to clear the negative amount on my checking account now they froze the account to where I ca n't do anything online even view statements or make payments on existing credit cards. I can only due that over the phone in which they charge me fees to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
on XX/XX/2019 I filed bankruptcy with the USBK court of XXXX. I withdrew the bankruptcy request on XX/XX/2019. I never completed the process and was never granted bankruptcy for this filing. I have contacted the XXXX  of XXXX  and they have stated that they DO NOT report to the credit bureau. 

I submitted a dispute to TRANSUNION to have this item removed from my credit as it is reporting incorrectly on XX/XX/2019. I received a response saying that it was verified as correct. 

I resubmitted my dispute on XX/XX/2019 stating that they could not have verified when the XXXX    Court of XXXX  stated they do not verify with the credit bureau. I also submitted the same request to XXXX  and they removed the credit report when they verified. I sent all of these items to TRANSUNION and they can not provide me with the source they spoke with at XXXX COurt of XXXX  to verify this account is valid.

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 2018-07-24
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/2018 I received a phone call from XXXX at XXXX XXXX in XXXX, Oklahoma where I currently have a loan. As they do every month, she called to offer additional funds if I wanted to come in and renew my loan. This time I decided to follow up on the offer. I went into the store. I made it very clear to XXXX that I did not want my credit run again as we were beginning the process of buying a home. XXXX advised that because I was renewing that my credit would not be run again. There would be NO hard inquiry. I ended up not getting the loan renewed that day. 
However, just a few days later on XX/XX/XXXX I learned that my credit had been run anyway and that a hard inquiry was made. I called XXXX to advise her of this and she apologized and said no that she had not run my credit. I advised that was not true because my credit monitoring had picked it up the inquiry. She advised that she would call the main office and get back to me. XXXX called back that day and again apologized and said that changes were made in the system and was told by the main office that because of this my credit had been run again. However, she stated that was in error and she advised that the FCRA Team at the main office told her that they would have it submitted for removal within 72 hours. She stated that she would call me that following Monday to confirm. She never called. Fast forward to over a month later and today on XX/XX/18 I called XXXX and asked why she never called me back. She apologized and said that she has been so busy over the past several weeks that she didnt have time to call. She stated that she was sent a letter from the main office and was told that the new procedure was that the system would pull a hard inquiry even though " they '' in the office are saying otherwise. She advised that she will get back with their main office but says she can not force them to do this removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Ability Recovery Services, LLC
State: MT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE BEEN TRYING FOR A WHILE TO GET THIS RESLOVED SO I AM TRYING AGAIN - I HAVE NEVER GONE TO XXXX XXXX AND THEY ARE TRYING TO COLLECT ON SOMETHING THAT WAS NEVER PROVIDED -

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 2019-10-23
Company: KEYCORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Account : XXXX www.keybank.com XXXX, OHIO USA Keybank is taking the interest rate 5.94 % on the outstanding balance each month any computing the Statement Interest incorrectly. They are computing the number of days incorrectly.

Finance people who financed the loan via key bank was for 54 payments of {$450.00} I make all the payments ahead of time and I should only be incurring about {$100.00} a month instead paying extra money for their creative ways of calculating number of billing daysl 1st pay statement on XX/XX/2019 is being charged 45 days at a compounded daily rate of 5.945 / 365 days = .000016274. They used start date of XX/XX/19 Problem 1 date range is from XX/XX/2019 to DUE date XX/XX/2019 ( 45 days ) Charging me on XX/XX/2019 for future dates? 
Also note : online in indicates loan did not start until New Loan XX/XX/XXXX 2nd pay statement on XX/XX/2019 is being charged 37 days Due Date XX/XX/2019 This is really BAD - Apparently it looks like they are using a date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 37 days.

they already charge me for up to XX/XX/2019  in the 1st statement. DOUBLE CHARGING me an extra 6 days. 
3rd pay statement onXX/XX/2019 " SAME THING!!!!

38 days Due date XX/XX/2019 - They used date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 38 days.

DOUBLE CHARGING me an extra 8 days. 
If there computer program is doing this to all their loans they are over charging customers that are paying as soon as they get the statement. 
With the size of KEYBANK this could be MANY MANY THOUSANDS OF DOLLARs that they are illegally charging consumers. 

See XXXX attachment, Copies PDF 's of statements and EMAILS from Keybank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Ingo Money, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
First off XXXXXXXX XXXX XXXX  has not sent me a new card I lost mine and requested a new one several times and it's been 6 months and my main issue is a had wrote a check and attempted to move the remaining $ out of my account with a mobile check cashing service called INGO MONEY and they declined the check but still took the money and haven't seen it since it was XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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:
To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit 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 2018-07-24
Company: Ad Astra Recovery Services Inc
State: OH
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:
Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called Ad Astra Recovery. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number Ad Astra Recovery is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for Ad Astra Recovery to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number Ad Astra Recovery is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union file number XXXX, XXXX XXXX  needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged debt.

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 2023-02-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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 had two XXXX XXXX bank cards open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. XXXX  wont remove anything from account even when I showed them that both XXXX and XXXX took it off. Then Chex systems have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta

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 2021-02-25
Company: CITIBANK, N.A.
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 was victim of fraud with a Best Buy visa credit card from from my property that was stoled on XX/XX/2020, the bank didn't help and im sending the police report to re open the case, I've been taking care of the situation with the police department and they are moving forward with the investigation watching all the cameras at the stores to find the responsible of this. but my card must be at XXXX $ again. because im not responsible for any charges that month and I need the sooner respond. my best regards. 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 2019-09-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have no recollection ( s ) nor have document records of my authorizing the following Credit Inquiries with my signature the same that appears on my Texas Driver License # XXXX. 

Inquiries An inquiry is a request for your credit history, usually when you're being considered for a line of credit. 
Inquiries Credit Inquiry XX/XX/XXXX XXXX XXXXXXXX Credit Inquiry XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry XX/XX/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 2021-05-20
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  and Experian is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report 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 non-monetary relief
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: OH
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:
Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX  is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2023 a dispute took place in regards to the collection that was place on the consumer credit profile with all 3 credit reporting agencies stating that a debt was owed and and that it was impartive that this debt was paid!! After the dispute took place the credit reporting agencies fail to update the consumer credit profile and along with the debt the collector updating the records that took place in regards to this debt that was place on the consumer credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
CAPITAL ON BANK CASE # XXXX CASE OF FUND NOT RECEIVED ON TIME AND LOST {$500.00} FOR CLOSING MY HOUSE. 
Capital One Bank Transfer {$350000.00} {$64000.00} Transaction Type : Electronic transfer Appears on statement as : CLOSING THE HOUSE ON XXXX - Withdrawal to Capital One Bank XXXX Memo CLOSING THE HOUSE ON XXXX SINCE A/C # -- -- XXXX WAS LINK TO MY LOCAL BANCK WHERE I WANTED TO HAVE CASHIER CHECK. 

NOW THE ACH WAS GOING TO TAKE 3 TO 4 DAYS I CALL CAPITAL ONE to Capital One Bank XXXX AND AS PER AGENT SPOKE SAID HE WILL STOP ACH AND THEN HE WILL WIRED THE AMOUNT ON SAME DAY. 
CASE # REPESENT ALL DETAILS ON WHAT HAPPEN AND I COULD NOT GET MY OWN MONEY ON TIME AND LOST THE CLOSING OF MY HOUSE AND HAD TO PAY TO MY LAWYER AGAIN {$500.00} EVERY TIME NEW AGENT AND NEW STORY ABOUT WIRING THE AMOUNT THEN THEY GAVE ME THE CASE # SO THAT I WILL GET MY {$500.00}. NO RESPONSE FROM CAPITAL ONE AND NOW THEY SAY THEY CAN NOT PAY {$500.00} FOR MISREPRSENTION OF AGENT. 
THEY GAVE ME THE CASE # AND SAID SOMEONE WILL CALL BACK OR EMAIL BUT NO REPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
By email dated XX/XX/2018, American Express offered my wife a Business Platinum Credit Card to upgrade from our existing account. The terms of the offer included XXXX membership reward points if we spend {$5000.00} in the first three months and an additional XXXX points if we spend an extra {$5000.00} in the same period. The annual fee was advertised at {$450.00} and the email specified " Your application must be received by XX/XX/2018 to be eligible for this offer. '' On XX/XX/2018, just 10 days after the email and over a month prior to the XX/XX/XXXX deadline, I went on line to complete the application. When I clicked on the link to apply for the upgraded card the American Express web site that opened stated : " This offer is no longer available. If you'd still like to apply for a Business Card from American Express OPEN click here. '' I tried calling American Express that evening but it was after hours for the business card department, so I asked my wife to call the next morning. 

On XX/XX/2018, my wife, XXXX, called American Express to apply since we were unable to complete the application process on-line. She was not told the offer had expired. Instead, she was told that she was ineligible for that program because the email sent to her did not include " a code. '' Instead, she was offered a less desirable upgraded credit card providing only XXXX points for an annual fee of {$650.00} ( and other less desirable terms ). 

The email sent to my wife clearly came from American Express. It is disingenuous for American Express to deny access to the program for the failure to give us a code when they initiated the process by sending her the email. Thus, this was a classic " bait-and-switch '' effort to entice us to upgrade our existing American Express Card but then switch us to a less desirable product than the one offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
A Loan was approved by XXXX XXXX on XX/XX/2018 Account # XXXX ; Application ID : XXXX for XXXX XXXX XXXX ; Cosigner XXXX XXXX XXXX, for loan amount {$12000.00}. XXXX thought she had the wrong amount in and called XXXX XXXX, who told her to just cancel the loan and redo it. She did this and after talking to school advisor, found out that it was a little less and she refiled it. XXXX XXXX turned it down and told her that she needed a new cosigner. We called XXXX XXXX and was told just file a lesser amount of {$12000.00}. We did so and it was kick back with the same answer, to get another cosigner. 3 times a hard credit check was done on my credit. Lowering my credit each time. First approved then not so, twice. Sincerely XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX age XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RentDebt Automated Collections illegally committed multiple violations against my consumer rights. Attached is a copy of mailed correspondence to the company making them aware of my violated rights as a consumer, and owed remedy via invoice for my injuries due from their violations.

Company response to consumer: Closed with explanation