BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Banana Republic Credit Cardholder since XX/XX/XXXX. I have always paid this card on time and have tried to keep it in good stance. I found out today XX/XX/XXXX that my account was reported to the credit bureau and Synchrony Bank Closed my account. I had called the bank and explained that I was in the hospital for almost 4 months for a preexisting condition. I have never missed a payment and called them to advised to them of the information as to why I was not able to make payments the last 4 months. I also explained that this was not the only account that I was doing this reporting with because of the circumstances. I was never sent and email, txt notification, or mailed letter to tell me why my account was closed. I called back in XX/XX/XXXX and spoke to the customer service department about the issue and also advised that there was a payment on that was canceled due to it being set for the wrong amt. I know that payments need to be canceled within hours before XXXX if not it will process and the person will not be able to cancel. 
XX/XX/XXXX XXXX ONLINE PAYMENT THANK YOU {$120.00} XX/XX/XXXX XXXX ONLINE PAYMENT THANK YOU ( {$120.00} ) canceled online before the due date and was reassured that my account would be credited back this would not effect my account. However the interest would still apply even though my account was credit back the late fees the interest was not. also I do not see the credit report was updated to reflect corrections. so my report is showing that this account is closed and still has a high balance which as of today XX/XX/XXXX {$85.00}.

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 monetary relief
Consumer complaint received 2021-02-06
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my name is XXXX XXXX. On XX/XX/XXXX, I deposited {$25.00} into my Navy Federal DEBIT account. When I woke up on XX/XX/XXXX, my deposit of {$25.00} was completely gone. I immediately called Navy Federal ( at XXXX XXXX XXXX and XXXX picked up my call. I explained to him that I deposited {$25.00} in my account last night and when I woke up it was gone. XXXX rudely said to me " Since you are delinquent on your credit card we went into your debit account and pulled out the money for your payment since you never responded to us. '' This is a BIG LIE. Navy Federal watched my account and waited until money was in there to make an UNAUTHORIZED payment towards an alleged debt. I have literally been going back and forth and disputing with Navy Federal since XX/XX/XXXX. I disputed the validity of this alleged debt and still have no outcomes. On my Navy Federal app it literally says : " NOTICE : Your account information is being provided for informational purposes only. Providing you this information is NOT an attempt to collect a debt. '' What was done to me was not only illegal but also unethical and was a result of unfair and deceitful practices. How can you take my money out of my account because I allegedly owed money on a completely SEPARATE account? I am beyond livid ; this is deceitful practices and behaviors. Navy Federal has been deceitful and is now trying to tell me that in my contract I signed off on Navy Federal taking my money from my debit account to feed my " delinquent '' credit card account. I need help on this one of MANY problems from Navy Federal. Navy Federal is injuring my Consumer Rights and I will NOT allow this. I need relief. Under the FDCPA I am a federally protected Consumer. At one point I loved Navy Federal until I saw that they were Frauds. 

15 USC 1601 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

15 USC1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

15 USC 1692 ( f ) Unfair practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: PNC Bank N.A.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mortgage is a fixed rate fully amortized installment loan. The payments are automatically deducted on the same day of the month, every month since the loan first originated to take advantage of a rate discount. Although the payments are auto-deducted, I still receive a paper statement. On my paper statement, it provides a breakdown of my payment stating how much will be applied to principal and interest and there is also a section that lists previous payment and how the payment was actually applied. Aprox a year ago, I noticed that the amount that was stated going towards principal was not applied. My statements would indicate a higher portion that would be applied to the balance only to see on the following statement that a lessor amount was actually applied. 
Some time in XX/XX/2018, I had contacted the lender by phone and also via online chat to inquire about this and was simply informed that the amounts that were reflected on previous payments section were correct but was given no explanation for why my statements continually indicate a higher principal payment portion. Concerned about whether this discrepancy will pay the balance in full at the time of maturity, I requested an amortization schedule. However, the document I received was just a payment history of my mortgage. I made another request via online mortgage customer service message and received another payment history. When I called I was informed that they do not have one to furnish. 
While my P & I payments are fixed and paid automatically the same day each month, I have no way of knowing how much truly needs to be applied to pay the balance in full at maturity. Typically you trust that the lender has set it up correctly, however, I can not get an explanation for the discrepancy in how or why my payments are being mis-applied each month and whether my unpaid balance is correct. Without an amortization schedule, I can not reconcile that the payments are applied correctly especially since my paper statements is misleading. 
I have included several months statements for supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have been sent to 3-4 collection agencies by XXXX XXXX XXXX  and my perfect credit is now i in the XXXX range. 
XXXX XXXX XXXX is a new jersey power company. 
i have never lived in new jersey or have ever heard of this company. 
after resolving this with police reports and correspondence with banks, credit bureaus, and multiple collection agencies i have now been contacted by another collection agency over the same debt. 
i am unable to obtain credit and have no time to continue defending myself with no hope of resolution. i need relief.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please pages 7, 8 and 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is  owed and nothing is past due. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 60 days and not response via email and i am SO MUCH DISAPPOINTED. The ACCOUNT on my report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out. Now please help me TO REVIEW THIS COMPLAINT, PLEASE REVIEW ; REMOVEOR UPDATE THE ACCOUNT IMMEDIATELY 1. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed XXXX is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
4..Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
5..Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 6.The following personal information is incorrect Account Number : Current address ( es ) XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7.The following personal information is incorrect Account Number : Current address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Really appreciate your time and effort !

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 paid an debt, and in the attached email I have downloaded for your review stated it would be updated in 45 days, that was 8 months ago. I called in today 8 to 9 times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not XXXX XXXX XXXX. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and XXXX XXXX XXXX received the settlement letter within the 45 days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to XXXX, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to XXXX. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
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:
I have been in contact with Experian regarding disputing inquiries on my report that I did not authorize for the information to be furnished. This is Identity theft and I have filed a complaint with the FTC on XX/XX/2022 the reference # is XXXX Experian refuse to remove the inquiries stating they will remain for 2 years when I never authorized the inquiries to be furnished. Experian has broken the law continually. According to 15 USC1581c-2 Block of information resulting from identity theft. 

The inquiries are 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  which I have never authorized to be furnished on my consumer report. 
. 
This is my second certified letter to Experian. and these are the violations below. 


15 USC1581c-2 USC1581 ( a ) 1-4 15 USC 1679- ( a ) Disclosure required 15 U.S. Code 1681i-Procedure in case of disputed accuracy

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 2022-11-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried to open a savings account with XXXX XXXX XXXX XXXX XXXX ) and was rejected based on an email claiming they could not verify my identification. When I called them, they refused to tell me specifically why I was rejected. The person said they do not have access to the information and recommended I try to open the account again with a different browser. I tried two more times with another browser and another device and still could not open the account. I talked to a supervisor named XXXX who could not tell me the reason I was rejected and that there must be something wrong with my credit or other information I provided. I noted that I opened an account at another online bank with the same information they required and it was approved with no issues shortly after being rejected by them. I asked him to look at my application to see what the issue was. He claimed that no one has access to the rejected applications. I asked if he can put me in contact with someone who can and he said there is no one who can access the information. I then asked if they can manually submit an application and he said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
hello, my name is XXXX XXXX. 
i wish get help for resolve my problem. 

i open a ria account and i link my bank account for send money to my cousin in XXXX XXXX and i dont know why the account was disable inmediatly. 

i called verification deparment and they denied to help me to resolve the issue. 

Why the company offer a service and denied to help custumer. 

i wish ria be able to help me this time becouse i just try to send money with my bank account. i think is nothing bad to do that. 
my email address is XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-15
Company: AMERISAVE MORTGAGE CORPORATION
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:
On the morning of Tuesday XX/XX/2022 I attempted to check rates via what was advertised as a soft credit pull with Amerisave home mortgage. There was an issue with the soft pull so I telephoned the help line and asked to reset the process so that I could try again online after I lifted a lock on one of my reports. The customer service person looked at the information and after a few minutes said he could look at the rates I requested and go over them with me. Unbeknownst to me he must have done a hard credit pull which is now showing up in my credit report. 

I believe that this is unfair and a bit dishonest as they mention several times that the initial credit pull is soft and would not affect my credit. I would never have requested a hard pull as we are in the process of closing on a home and this sort of inquiry could affect my underwriting process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I started the claims on XX/XX/2018 for two unauthorized withdrawals from my account worth {$900.00} from my checking account and {$1900.00} from my savings account via a bank of america branch in XXXX  ( I live in XXXX XXXX due to school and was nowhere near XXXX at this time ). 

They told me it would take 60 business days to resolve but was recently told they can not extend past 10 unless they give me provisional credit due to regulation E. Well, their customer service lied to me and they never game me funds. It has been already been 30 business days and they still refuse to give me my funds and there has been no updates to my claim ever since I started it. Bank of America is having their customer service lie to their customers so they can take their time and refuse to give funds.

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 2023-10-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
in XXXX of 2023 i made a lease payment to infiniti financial services which was returned unpaid as i used the wrong stored account. infiniti decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after calling infiniti i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i call infiniti on XX/XX/2023 as i get a notice of a 30 day past due from XXXX XXXX from infiniti financial services i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls from infiniti in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as infiniti financial services not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed.

Company response to consumer: Closed with explanation