BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Back in XXXX while XXXX to XXXX XXXX I requested Ohio SCRA benefits from Navy Federal Credit Union. It was not awarded to me because I was told that SCRA benefits only applied to debt which incurred prior to military service. I retired XX/XX/XXXX and while attempting to get my affairs in order I revisited this Ohio SCRA benefit only to realize that it in fact covered all debt. XX/XX/XXXX I requested this benefit for the second time and I never received a notice saying that I was ineligible. However I noticed that my ability to do any transactions online was taken away. XX/XX/XXXX I contacted Navy Federal to obtain the status of the request and I was told that I was no longer eligible for SCRA benefits because I retired in XX/XX/XXXX. My complaint was that when I originally requested these benefits I was not retired. Navy Federal states they value the military service members and are here to help. However when I requested that they honor my original request I was denied. Navy Federal does not care about us and I feel their name was a ploy to attract service members. I served my Country for 20 years and have been a member of Navy Federal since XXXX. It's already bad enough that I was denied Ohio SCRA benefit that I earned back in XXXX, but after 19 years of doing business with them when I asked for the money back that I was overcharged they shut the door in my face. I was told that after reviewing their archives they saw fraud alerts but did not see the original Ohio SCRA request. I am appalled as to how I was treated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit Account # XXXX XXXX XXXX XXXX is XXXX on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   is fraudulent on my XXXX Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account # 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 2021-10-09
Company: Kikoff 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 have reached out to his company several times however they have not responded to my dispute in regard to this account they are reporting this account with late marks even though I have reached out to them for forgiveness due to hardship brought by COVID 19 I have been relieved from my work and have been having a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On the morning of XX/XX/22, I received an email from Credit Karma informing me that my TJ Maxx bill ( managed by Synchrony Bank XXXX had gone derogatory and was 60 days late. That same day, I received a notice in the mail from Synchrony bank dated XX/XX/22 saying that, " We recently attempted to notify you that your electronic TJX Rewards Platinum Mastercard statement was ready to view, but the email was returned. '' This was the first time I was made aware that I had a balance due of {$89.00} in XXXX. I have never been late on a payment on this account and I have not changed my email, mailing address or phone number within the last 12 months. 

Additionally, there were no phone calls or text attempts made letting me know my payment was originally due or when it became late. 

This has now significantly affected my credit score and I am extremely concerned by Synchrony 's business practices. According to the Card Act, a payment can not be considered late unless the statement was mailed or delivered to the customer at least 21 days before the due date. If Synchrony was unable to deliver the statement via email, I would of expected to receive the statement via mail or a phone call to ensure they meet this section of the Card Act. 

After speaking to Synchrony Bank last night to notify them of this situation, Customer Service was unable to confirm if any attempts were made to let me know that the payment was due.

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 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: 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 contacted XXXX XXXX XXXX XXXX immediately after running my credit report for new credit with another company. I had found that my Mortgage has been set up on a repayment plan that I had not set up and that I was being reported 5 months delinquent from XX/XX/XXXX to XX/XX/XXXX. Upon notifying them they conducted a 30 day investigation only to have XXXX XXXX come back and tell me on the XX/XX/XXXX that she can see based on the notes and phone call that I didnt set this payment plan up and I am the one on the loan. She also informed me that there would be nothing that she could do about being that she had already discussed with management. 

I was told a verification was done and though they know I didnt set up the reporting is accurate and they will not be able to change. I asked if Im the loan holder and you know based on recorded calls and notes inputted by the XXXX XXXX Representative sometime in XXXX/XXXX   timeframe that I didnt create this payment plan how are you reporting accurately to the three credit bureaus. This has seriously defamed me and is causing me extreme harm. I hold a high level Security Clearance and my income is in jeopardy along with my ability to obtain new credit and Im suffering. 

I cried on the phone with Mr. XXXX XXXX, he said he would relook into The problem is that if we change for you we may be legally liable to others for not changing theirs. I waited another week for him to only return and tell they would return two months of late fees, but wouldnt change reporting of Delinquencies to Bureas. I am at a lost here and seeking to offer them another opportunity to correct their error before pursing more civil avenues

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 2020-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My account with Walmart showed a purchase in XXXX 2019 that i did not recognize. I filed a fraud complaint and closed the account. Capitol One acknowledged the cancellation and began an investigation. On XXXX XXXX Capitol One sent a letter denying the claim with no information where, what or who charged it. I responded with a request for information establishing my responsibility for the charge. They have yet to document the original transaction. They reported me to the credit bureaus and have destroyed my rating. I just want to establish responsibility for the charge, delete the collection from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Best Service Company in XX/XX/XXXX to pay in full a balance owed. The representative XXXX XXXX took the payment of {$280.00}. Ms. XXXX also told me that I would get a letter in the mail stating this debt has been satisfied and the company would make a submission to the Credit reporting agencies in which the debt was being reported that this debt has a {$0.00} balance with a deletion. Sad to say this did not happen. The only thing that did happen was I received a letter in the mail stating the debt was satisfied in full. I called XX/XX/XXXX, I was bounced around from representative to representative, all of which were extremely rude. I was finally transferred to a supervisor XXXX XXXX, who was not much assistance either. He continued to be rude and speak over me. He told me the best he could do was to send out a letter that this debt was paid in full. He said they ( Best Service Co  ) had reported to the Credit Reporting Agencies that there was no balance. However when I did speak with each Credit Reporting Agency and they claimed that Best Service Co was still reporting an unpaid balance even though they had told me they reported the account paid back in XX/XX/XXXX. I have seen many other people having the same issues and I noticed that this company is suspended with the Secretary of State in California and as a Corporation in California this is simply illegal.

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 2019-04-16
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX and Experian will not provide a report or show my scores. I have sent all the information they need and required to disclose my report. I have tried vigorously for months to try and get my report and scores with no luck. My accounts are not frozen and never I have I frozen them

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 2023-04-16
Company: Navient Solutions, LLC.
State: CA
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:
In accordance with fair Credit Reporting act Navient accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy. 

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Below are a cluster of inquires on my report that I did not authorize. I have been a victim of the inquiry issue that Equifax is having. I tried to talk to a representative to get these inquires removed but I was refused assistance. Again, these inquires were unauthorized. Please remove these from my report. 

XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX   Credit Unions Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Amscot Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
AMSCOT are representing XXXX. 
I want to send money, an associate 's named XXXX, tell me she can't do the service for me, for a reason she can't disclose. I called the corporate they tell the same thing. 
I thing this is a mere discrimination, I denied a service open to everyone without reasons

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3.00}, XXXX XXXX XXXX XXXX : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I closed my CD with XXXX XXXX on XX/XX/18 and was using the fund for purchase of a home. During my new loan underwriting process, I was asked to provide source of fund which required me to get a transaction history of my closed CD. Since the day I closed the CD, I was not able to view the CD on my online account and when I called XXXX XXXX XXXX, they said I have to wait for the monthly statement on XX/XX/18 in order to see the transaction. I asked if they can restore my CD account online and they said by policy they can not. They also did not give me a verbal warning when I closed the CD that I would lose my online access to the account. 

I am risking to lose my initial deposit of this new home purchase if the new loan is not processed on time, and the fact that I am not able to access my own personal information in any shape or form between account close ( XX/XX/18 ) and the new statement date ( XX/XX/2018 ) is not acceptable to me. I should be able to obtain the transaction history any time I would like even the day after my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: ENCORE CAPITAL GROUP INC.
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have got mail today XX/XX/2018 that saying XXXX XXXX XXXX has purchased the above referenced account and is to whom the debt is owed. They telling on the letter I owed XXXX XX/XX/2018 Amount Due I'm confused I don't know why I owed that it not telling enough information why I owed that. Very Confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have sent 4 letters over the last year disputing inaccurate bankruptcy information on my credit reports with XXXX and Experian with the most recent letters dated XX/XX/2020. I received the results from XXXX dated XX/XX/2020 stating the information was verified as accurate. I received the results from Experian dated XX/XX/2020 stating the information was certified to Experian as accurate. See the attachments for copies of the disputes to both XXXX and Experian. 

The disputes with both XXXX and Experian have not been resolved as the information has not been verified. I have not received any documentation of said verification received by XXXX or Experian.

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 2021-06-02
Company: CCS Financial Services, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX they gave me a price I paid for the first and last month and out of no where they changed the price they tried to charge my credit card for more than {$1000.00} for my credit card money that I did not have in the bank and I told them I was going to cancel and I was going to get a new insurance company cuz the price went up too much and they try to say that I owe them money I do not owe this people money because I gat a new insurance company have new insurance company and I have all the proof from the bank they try to take money that I did not have in the bank and I want to get a lawyer and take these people to court

Company response to consumer: Closed with explanation