BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-24
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am trying to resolve an issue i have with Navy Federal. My checking account was closed due to an excessive overdraft that i didn't authorize. My debit card was used to withdraw funds that weren't available but were approved by my bank. I've reached out to the via phone an mail after i tried to open a new account but was denied due to those fraudulent transactions that caused my checking account to be closed. I don't want that account to be reported to XXXX or added as a derogatory account on my credit report. I have researched others who've had similar issues and became aware of other customers with this problem as well as having their Navy Federal accounts hacked by others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: OneMain Finance Corporation
State: AZ
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:
My credit was pulled by this company that i have never spoken to before nor have any business with. 
Credit pulled on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: AL
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:
After carefully reviewing my credit report I noticed several inquires to companies that I have not applied for or have ever done business with listed on my credit report. I contacted the credit bureaus & they did nothing to assist. I have attached an identity theft report to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened up a Chase Total Checking account online XX/XX/2021. Within 15 minutes of opening the account, it was locked for suspicious activity. I went to the branch the next day, brought my two forms of ID, sat down with a banker and was on the phone for about an hour. At first, the issue was because I used a XXXX and my geographical location was elsewhere compared to my home address. I work inXX/XX/XXXXso I secure my devices. That's fine, the account was unlocked after verifying and I was good to go. On XX/XX/XXXX, I opened up four savings accounts online to separate funds for budgeting purposes and had around {$5800.00} split between them. XX/XX/2021, my account gets locked out again. I called Fraud, they said I need to bring my social security card, drivers license, and proof of address. I went to the branch that same day to be in person, the banker called Fraud, and they said the same thing to the banker, I need those three forms of ID. I went back XX/XX/XXXX with THREE forms of proof of address, my drivers license, concealed license, social security, and PASSPORT, that wasn't sufficient enough. I was told then and there that the account was being closed, and they wouldn't provide a reason. I asked the banker if I could get my money and just go open an account at another bank ( since I was already tired of the situation ), they said I had to wait 10 business days for a check to then be mailed out. I was also told after that, I was allowed to open a new checking account there in the branch with two forms of ID. How does that make ANY sense? I went back to work but wanted to still find out WHY my accounts were being closed. I called Fraud again and the lady wouldn't tell me why it was being closed other then they needed to verify my ID. She then said everything I previously provided wasn't good enough and tried saying a notarized letter from my parents ( I live with them and they own the house ) saying I'm actually living there and am there child should suffice, as well as trying to give a bank statement from another bank. I called the branch again and said I would email a bank statement from XXXX XXXX XXXX. I did just that, they got on the phone with Fraud, and they allowed me to withdraw all of my funds but still wouldn't tell me any details. I want an answer as to why all of this occurred. I don't feel it's right to do all of this and give no reason at all. And was the credit card I had with Chase for several years now closed? A card I always paid in full every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries on my account that i did not authorize. Contacted Equifax and spoke to two agents who refused to help me. 

XX/XX/XXXX Creditor Name - - XXXX   XX/XX/XXXX Creditor Name - - XXXX XXXX   XX/XX/XXXX Creditor Name - - XXXX XXXX XXXX XX/XX/XXXX Creditor Name - - XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am requesting that Caliber validates this debt by providing a copy of the written instrument, endorsed, front and back, not a copy of an Assignment that was never ( as of today, XXXX XXXX, 2016 ) recorded in land records. This is my THIRD request to Caliber to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, Tx informing her of the incorrect amount of debt XXXX XXXX XXXX XXXX charged me. The misinformed document stated that I owed them for " Replacement Keys '' in the amount of {$100.00}. The referred keys were actually left in the kitchen drawer ( near the refrigerator ) the night I vacated my apartment ( Unit XXXX ) on XX/XX/XXXX per XXXX XXXX XXXX request. I informed earlier that day on XX/XX/XXXX that I would be moving out after office hours, so how should I go about returning my keys. That is when she informed me that I should just leave them in a drawer and take a photo of said keys and email it to her for proof. I did exactly what she asked of me. I then, reached out to her the next day informing her about a gate key that I had forgotten to turn in. She then asked me if I could mail it or turn it in. I drove to the XXXXXXXX XXXX XXXX XXXXXXXX and returned the gate key to a lady sitting at the desk. I emailed and let her know that I had returned the key, her response was " Thank you so much ". So, once I received the statement for " replacement keys '' from XXXX XXXX XXXX XXXX, I was confused and that's when I reached out via email on XX/XX/XXXX and XX/XX/XXXX when I never received a response on XX/XX/XXXX. I then tried calling, no answer so I left a voicemail. No returned phone call from the voicemail either. That week, I called a few times throughout the day and FINALLY got someone to answer the phone. I explained the situation to the lady who answered, and also informed her that a debt collection company ( I.Q Data International XXXX Inc. ) had been reaching out to me via mail ( it was only mail at the time ) regarding the incorrect amount owed that was stated by them. She then told me that they were super busy and it would take XXXX until the end of the week to read the email for proof in order to correct the amount. The end of the week would've been XX/XX/XXXX. I received no call back, no email, no correction. 
I reached out again XX/XX/XXXX and was told that they were still super busy and that I should hear something by the end of the week. The collection company has recently started to call me multiple times throughout the day, and it's really disheartening that this is something that could have been easily fixed and the harassment by the collection company wouldn't exist! I have been extremely patient with this situation. I do not mind paying what I owe. I just want to be treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXX XXXX   indicating charge off /collection/write off - other, which now has a XXXX balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX of the year XXXX I sent money through the Remitly application to Mr. XXXX XXXX for an amount of {$700.00}, which he received without problems, Then I sent money to Mrs. XXXX XXXX for the amount of {$800.00} which I had to CANCEL, Later a message appeared that in ten ( 10 ) business days they would return my money to the bank account. Then I made a call within 12 business days to know the status of the refund of the money, They told me that on XX/XX/XXXX they had returned the money to my Bank account and they provided me with a number or password to claim the money at bank XXXX XXXX XXXX, I proceeded to call the number of claims of my XXXX bank to manage the return of the money. Today I received a letter from the bank informing me that they have temporarily credited the money to my account, but that the investigation is continuing on the claim, this indicates that Remitly never returned the money to my bank account. Today XX/XX/XXXX / XXXX I received a call from Remitly staff ( at XXXX XXXX  ) to consult me about some things about my account .. But because I was busy at my work I asked them to communicate later at XXXX XXXX  ... Later I I had to contact them and ask them what was the reason for the call they had made earlier. Which Mr. XXXX, who very kindly attended me and after a long wait, indicated that it was indeed to review the case of the refund of the money, that in my account there are three ( 03 ) transactions of which I only recognize two ( 02 ), which I indicate here at the beginning of this declaration. I immediately let the Remitly agent know that someone could be doing some kind of fraud to my Remitly account. I asked them to take note of this and do all the relevant processes to avoid some type of fraud both for myself and for others. Then I asked him to send me an email with some kind of case number or something that referenced the agreement. He only sent me an email that I attached to the evidence, with the reference number XXXX. 
I am making this claim for the purpose of preventing future fraud on my account. I annex evidence of the aforementioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These items have been investigated by both the police as well as the credit bureaus and proven to be fraudulent. These items have since been removed from all 3 accounts but is now showing up again on my XXXX  report as well as TransUnion as a closed account. These fraudulent accounts appearing on my report is now harming me from properly utilizing my credit. These items need to be removed and blocked from being able to re-appear on my report at a later date as they are not mine.

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 2019-08-09
Company: Exeter Finance Corp.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 there was an inquiry on my credit report from Exeter Financial. I had no idea where it came from. Ive sent letters to ask them to remove this. They respond saying it's accurate. I never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on XXXX in the status section on XX/XX/XXXX but they updated there info to XXXX and XXXX XXXX and they didnt verify I have proof of an old report from XXXX I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XX/XX/XXXXtotally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a credit balance refund in the amount of {$7000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Citi issued a check in the amount of {$7000.00} on XX/XX/XXXX. Citi then stopped payment on the check without notice to me or good cause. This caused me to incur fees and costs with my bank. Citi refuses to abide by Regulation Z and fails to process the credit balance refund. The reason given is that there is an open dispute on the credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently learned that my personal information was used to open accounts at Citibank. I did not open or authorize this account, and I therefore request that it be closed and remove out of my credit report immediately. I also request that Citibank absolve me of all charges on these accounts, and that you take all appropriate steps to remove information about this account from my credit file. 
After I contacted Citibank, they said that the above accounts were being paid form a bank account that had my name on it. However, this account has been closed by the bank because it was also fraudulently opened.

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 2021-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on Experian in the status section on XX/XX/XXXX but they updated there info to experian and XXXX XXXX and they didnt verify I have proof of an old report from experian I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX  last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XX/XX/XXXXtotally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud

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 2021-07-18
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
On XX/XX/2021 I made a credit card payment to XXXX in person at their XXXX XXXX XXXX store. They sent the transaction as an electronic transfer to Bank of America referencing my check # XXXX on XX/XX/2021 which the bank paid. For some reason someone at XXXX had submitted the actual check to B of A again on XX/XX/2021. The bank paid the check again and charged me an overdraft fee ( reversed the next day after I called to complain ). The first customer service rep I talked to acknowledged that it did appear as if they had paid the same item twice, but refused to give me my money back and said it would have to be submitted to their fraud dept., which could take up to 10 days to process my refund. She said she would report it but did not. I was angry but I waited a reasonable amount of time and when nothing happened I went to my local branch. The assistant manager tried to help me but could only put me in contact with the fraud dept,, where I found out nothing had been done and I got the same run around about nothing could be done until they did an investigation ( another 10 days ). The B of A obviously made a mistake but refuses to accept any responsibility and is trying to get me to go back to XXXX ( who obviously XXXX  up too ). I don't want my money back from XXXX. B of A screwed up and should admit it and give me my money back. I can not even talk directly to XXXX as it is my wife 's account. Please try to pressure them into doing what they should already have done. Thank You 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 monetary relief
Consumer complaint received 2021-02-16
Company: Lending Club Corp
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: Account information incorrect

Complaint:
This information needs to be removed from my account because the reporting agencies all have different numbers ( amounts ). Please have this removed from ALL OF my credit reports.

Company response to consumer: Closed with explanation