BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021 I and family were battling XXXX. My caretaker was not instructed to call Navy Federal to defer payments. Neither did she use my sickness to garner sympathy. What she did was paid everyone of my bills. When she paid my credit card with a outside XXXX XXXX it was accepted. When she paid my consolidated loan XXXX XXXX rejected it because of a stop payment to the loan account I had requested 1 year prior. A stop payment that should not have still been in place 1 year later. Navy federal notified that payment wasnt received, instead of notifying payment was rejected so my caretaker can make an accurate adjustment. She just made the payment again using the same account so 2nd attempt is rejected as well. Navy federal didnt assist me how they assist others during the COVID 19 pandemic. Others who dont have money are afforded the opportunity to get deferred, the payment gets put on the back of loan and there credit is restored. They do not tell the credit bureaus that payment is late, better yet the payment history is masked. Navy federal never tells a borrower with no money issues that its against the law to mask a report. They just do it. But for me during my XXXX XXXX XXXX they said its against the law to help me. They accused me of asking them to alter a report. So is it fair to say Navy Federal is altering reports for some and not all Navy federal consumers.?? What makes me different? I was XXXX and although I didnt need money I needed help during that time. Navy federal has said I have their sympathy but nothing further. Now my account with excellent payment history is in shambles. Stop payment isnt a insufficient funds or closed account so why treat it with the same severity?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-05-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
We have a long lasting and exclusive relationship with chase bank, comprised of both personal banking and business accounts ( XXXX XXXX, XXXX  ) on both the Personal and business side this relationship includes a wide array of services including checking/savings accounts, credit cards, lines of credit. During the covid 19 pandemic your behavior and approach have left us in a precarious situation and with very little choice than to protest and claim foul play

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2020 I received 2 email notifications informing me that 2 duplicate payments were scheduled to come out of my account for my {$400.00} monthly payment. When I log into the account I am unable to see any " pending '' payments only a payment history and therefore I am unable to edit and/or delete the duplicate payment. I immediately called Santander to delete the duplicate payment to prevent my checking account to the negative. I was advised " we are unable to delete a payment because of a system glitch, call you bank and place a stop payment ''. I called my bank informed them of the issue and they stopped 1 of 2 payments in the amount of {$400.00}. Today XX/XX/2020 I logged into my account to make my scheduled payment of {$400.00} ON TIME and was informed I would only be able to pay via debit card and be assessed a Convenience fee of {$2.00}. I called Santander again and was advised " since the last payment was NSF the " system '' locks you out until 6 monthly payments are made with out issue. Had the system not had a " glitch '' and had I been able to edit my duplicate payment there would not be an issue at all. I was never contacted regarding the matter prior to the due date nor was I allowed to continue making the payment as I have been all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people.

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 2018-12-18
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I met a woman by the name of XXXX XXXX. She told me she lived in Texas. She made an agreement with me that If I purchased for her XXXX gift cards for her disabled beneficiaries, she would pay off the balance of the XXXX cards as well as my credit card debt I had with discover. She made three payments on my discover account using a XXXX bank account and a XXXX bank account. All three payments were ACCEPTED AND POSTED to my account therefore leaving me under the impression that this was a legitimate agreement and not any sort of scam or fraudulent activity. I also contacted discover and spoke with a representative and he informed me that the first payment she made of XXXX was accepted. I come to find I wake up one morning to see all three payments she made on my account were returned as well as returned check charges because the accounts were closed in which she used to make these payments with. I informed XXXX XXXX of the situation and she agreed she would fly down to XXXX and meet with me to provide me with the money in cash to compensate for the situation and the payments not being accepted by her banks. On the day of, she blocked me and I have no way of communicating with her. Her phone number is : XXXX XXXX XXXX XXXX. I also have photos of her that she provided me with that are attached. Also, I contacted XXXX support and they informed me that these XXXX cards purchases are fraudulent and I should not be held responsible because they were used for fraudulent purposes. However, discover is not cooperating.The black woman in the photos is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've attended University XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was promised job placement before enrolling. I was advised once my XXXX XXXX XXXX was completed, I would be guaranteed to get an entry job in my field so I can gain experience. Because of what was being proposed to me, I believed the advisor and completed my associates and my bachelor 's with them. Since I've graduated, no job placement was provided to me. Due to no job placement and no experience, I am unable to get a job in the related field. Now, I am stuck with debt in the amount of {$59000.00} and no job in the field I've graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed out Identity Theft report, called and disputed information, and Equifax will not remove the fradulant information from my file. The are the only one that it now shows up on, and I can only access my report through either a 3rd party site or another CRA because my file with them is so inaccurate that they even had the wrong date of birth and social. I requested my report initially back in XX/XX/XXXX and still have yet to receive one from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Equifax on Friday XX/XX/18. I explained to a woman there that XXXX Credit Union showed that Equifax has not properly reported payment history on my account since XX/XX/2018. Equifax is to report monthly. Founders show that I have successfully made all my vehicle payments on time. The problem now is that I was applying for credit at XXXX Credit Union during the week of XX/XX/2018. My credit check showed that Equifax has not reported my credit history for XXXX since XX/XX/2018. There is also no updated reporting for XXXX from Equifax. I would like this issue resolved asap. I also called Equifax on Monday XX/XX/18 and was told by worker, XXXX, she did not see a reporting issue. I informed her that there was a problem, if not to please send XXXX a report saying otherwise. I have restored my credit to decent status over the years. I do not want anyone to anything to adversely affect my credit. I need this matter resolved asap. XXXX representative can be contacted at XXXX. He was the one that was checking my credit with my permission. I hope those involved will seriously handle my credit as if it were theirs. Please correct this. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Just received debt validation from company that verified the agency is trying to extort for double the amount. This needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Experian Information Solutions Inc.
State: DE
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'm currently going through a divorce. And I have recently discovered that my wife has used my credit to apply for products without my consent. Because of this, I have received several inquiries on my credit report that doesn't belong. The dates of these inquiries are as follows XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2020-09-02
Company: Bread Financial Holdings, Inc.
State: MA
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:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I logged into online banking and see a higher than expected balance. I discover charges not authorized by me. They posted on XXXX ; the are vimbly {$140.00}, XXXX XXXX texas {$45.00}, the stereo shop {$1000.00} and there was a lowes.com charge for $ XXXX. Once I saw that, I called the bank and notified them these were not authorized. They took those 4 and flagged them, and issued a fraud dispute credit for those. Few days later I check again and I see the XXXX charge never left pending and then just dropped off, they must have caught that fast enough to not process. So somehow a XXXX in store charge of {$56.00} completed on XXXX was then flagged as fraudulent and was given {$56.00} in credit on XX/XX/XXXX. I realized that it was incorrectly labeled as fraudulent, and spoke to a fraud specialist, notified them the {$56.00} was valid and they took that as all the charges were approved. I called again explaining this and was told they see what happened and reopened the claim, called again today XX/XX/XXXX as the claim was still listed as resolved and still have the fraudulent charges and finance charges applied to my account. I was informed that the case will be reopened today and will take 45 days to reach determination. Meanwhile the first time the case was opened I was credited the next day.I

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 2018-05-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened this card with Citi bank XXXX XXXX, from the beginning has been nothing but problems. Initially I received a card. And was told they had put a block on my account because they could not verify who I was. I then was asked to go into a store with my I'd and social and they then could verify me which that for whatever reason was incorrect I then was told they had to text a phone that they could reach me on of someone living in my household to verify me I have done this multiple times with problems to noavail I then was told they would send me a letter, then I was told I didn't need the letter then I did need it. However have never received it.i asked to add an authorized user to my account big mistake because they shut my card off and reported it stolen. Then sent me new cards which so I was told by them were returned to them. So they shut those off and reported lost or stolen and sent me a new one. I have yet to received it. All of this has been going on since like XX/XX/XXXX and this is XX/XX/XXXX. In the process they have had my account on hold where I can't make payment online or over the phone without this letter that I've never received. So I have not been able to use the original card due to them since I got it, I haven't been able to make a payment because of the hold for this letter to verify who I am yet I have given them everything including my right arm and none of it is good enuff they want this letter that I don't have along with cards I don't have. I've asked to close the account and was told I can not with out this so called non existent letter, I've asked to have the authorized user removed because he is XXXX it's effecting his credit score I was told no they can't until I receive this letter. They reduced my credit limit without my permission or knowledge. Which initially the limit was XXXX and we spent XXXX on the card which was reasonable to keep it reporting good to the bureaus. They now have reported it as late payments yet I can't pay it cause they are idiots and have the account blocked and on hold and then they're going to report it against me that makes sense. Then on top of it they changed my limit to XXXXand are reporting it to the credit bureaus as 98percent usage on the card again their fault not mine. So your list to choose from shows multiple issues with this company and I'm about to get an attorney and sue them for all the headache this whole thing has caused me.

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 2018-12-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, all seem to now know who is responsible for my mortgages. I have a first and second mortgage. SPS says that they stopped servicing my mortgage a year ago, and gave me a letter stating this fact. 

So how do I get the liens released? I am requesting a full reconveyance of the liens for the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

The loans have been charged off and there is XXXX balance owing as per the documents received by SPS. 

Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people.

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