BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
There was a purchase made on my visa credit card for {$8400.00} on XX/XX/XXXX, but not posted to my account until XX/XX/XXXX. The merchant name listed for this supposed purchase is " XXXX XXXXXXXX XXXX '' in XXXX, XXXX ( XXXX ). 

On XX/XX/XXXX, I was in XXXX, and made purchases with that same ( and only ) XXXX  card in the XXXX airport ( all documented on my monthly credit card statement and attached ). I was NOT in XXXX and did not make such a purchase. I have my passport that proves where I was on XXXX XXXX, XXXX, and that was in XXXX ( entry/exit stamps also attached ). 

I filed a fraud complaint with my bank ( Bank of America ). They replaced my card, but have denied my claim 3 times now ( all within one day of submitting/resubmitting the fraud claim, so they apparently did not even look at the information I provided/faxed to them ). 

I have repeatedly asked for documentation of what was purchased, who was the merchant and for a copy of my signature ( which is required for use of my credit card ). I have not received any of these requested documents and the {$8.00}, XXXX has been removed from my banking account ( which I had to withdraw from my IRA account to cover, as I am XXXX XXXX XXXX and living on my social security/IRA ). 

It is bank policy that if such a large purchase is attempted, that some type of contact is made with the card holder to verify the purchase. That was not done and again, the charge was posted 7 months after the supposed purchase. 

Please look into this claim and the refusal of my bank to return my money for this clearly fraudulent charge. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Attached are the fees associated with my account going back to 2020, as that was the furthest back I could go with an online search. 

You will notice that until the XXXX  XXXX XXXX Lawsuit, the overdraft fees were called Returned Check Fees. After the moratorium during the XXXX  XXXX XXXX Lawsuit, they changed the name of the fee to Insufficient Funds. 

You will notice that many of the Insufficient Funds or Returned Check Fees are same day fees. This is for two reasons : ( 1 ) they are repeat fees for additional attempts from the same business or ( 2 ) they were incurred as a direct result of reorganizing the transactions to ensure maximum fees incurred.

As a direct result of the bank participating in these ethically questionable practices, I have been unable to maintain my checking account balance. 

In XXXX, last month, after I received three charges for the repeated attempt to process a payment from an autopay company through XXXX, I immediately went to my XXXX account and removed all autopay companies in the account. 

It happened again this month, despite my effort to ensure the fees weren't incurred again. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For the last 3 years I've had problems with repaying my consolidated loans. Initially my monthly repayment amount was {$270.00}. It was being paid automatically for about a year when an auto draft of a little over {$1200.00} was taken. After informing my bank that it was taken without permission, the money was given back ( by my bank & eventually refunded by Navient ). After everything was settled, I was set up on another payment plan and this time I planned to contact them after 11 months to avoid the previous year 's issue. This time the {$1200.00} was taken after 10 months. I took the same actions to get my money back. I finally removed my bank info and opted for manual monthly payments. However, this year, I've been trying to get back on a payment plan FOR A YEAR. Customer service says that they have been sending emails but I haven't gotten anything EXCEPT info telling me that a payment is due. I tried to reply to that email, but it's an auto mailer so there's no response. And seemingly the necessary forms I need are not able to be mailed. I just tried calling and kept being put back in the call queue with no response from an agent. Meanwhile interest is building in my account and the only thing I'm able to do is continue to make deferments while I wait on the forms 'they 're sending to me '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Someone stole my identity and opened this account i only have one account and thats my debit card i never had any credit cards this account isnt mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
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:
I filed a dispute to the incorrect items on my credit report and it has been well over XXXX days without any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My Identity was stolen by a " ring '' of thieves who shared it amongst themselves and opened XXXX credit card accounts in my name. I already had XXXXXXXX XXXX XXXX  in place but had to call them that someone had opened an account in my name. 
I heard on the radio that claims made by credit cards have to be resolved in 60 days or that they have to drop the claim. This started in XX/XX/XXXX and XXXX says it takes a very long time, although some have been resolved. 
Since it has been over 270 days should my credit be cleared by now??? 
Also we were waiting for 2 years of tax returns from the IRS who said it was because of being understaffing during XXXX. Then, just when they said I was going to get it, my wife reported this ID theft and they put the brakes on me getting my return. They say that XXXX has to give the " all clear '' or some kind of XXXX for them to release it. Never mind I got my XXXX return just fine. Since I am a truck driver with a real ID Commercial Driver 's License, can the IRS be ordered to release my funds with my XXXX and an expired passport? I don't understand how I am guilty until I prove my innocence with these credit card banks that handed out cards in my name like candy w/o doing their homework.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 have been treated by this company saying I did bank fraud when I did not. I wrote a letter explaining that I lost my job due to covid and I got an email saying they will contact my new employer and sue me for bank fraud and I never did any type of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-08-24
Company: EQUIFAX, INC.
State: AK
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:
My student loan that has been PAID IN FULL continues to be passed around. One company said they stopped servicing it and gave it to another. Another company said they had it for a short while and now don't know where it has gone. One company said they got it because it was in DEFAULT status, which is NOT ACCURATE. It was PAID IN FULL and I have documents showing it was paid in full. 

I am not sure how or why this inaccurate information continues to get passed around and continues to show up on my report, but it needs to stop PERMANENTLY! 

I have PAID MY DEBT IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Siggi LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Omni Financial. I saw the law suit recently about them. I was a young private in the XXXX when I applied for a good amount. Currently still paying it off. They made me give them my bank info for allotments and I was never notified that its illegal. Also have a 29 % interest rate. What can I do? Done at the XXXX in texas at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Started off at XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX {$13000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: ENCORE CAPITAL GROUP INC.
State: LA
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 am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children.The following items are appearing on my credit report as a result of being victimized I am requesting that these items be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago and tried disputing directly with credit companies. Please help me with this matter. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on 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 2018-08-09
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am tired of being harrassed and stressed by this company. A few months back, their agent XXXX XXXX was calling me from different phone numbers and harassing my relatives and stalking my social media. Now their agent XXXX, is having people come to my home in plain, unmarked cars, placing notices on my door. These notices have WAY too much information where any random person can walk up, read it and figure out my personal/ private business. He called last month to harass me after I made a payment and said they were going to pick my car up for {$5.00}. He keeps calling even when I've notified them of when the payment would be made. He said today that he has left several messages, which is simply not true. He made phone calls and hung up withOUT leaving a message. 

I have asked this company several times, by phone and by email, to refrain from having their excessively aggressive agent, 'XXXX ', contact me, but they still keep allowing him to. 

I have had this car/ loan for over three years now which appears to be a long time for anyone to have a car with this company. I've put several XXXX dollars toward the loan as well as the mountain of repairs. I do not plan to loose the car.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Accelerated Servicing Group LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company ASG contacts my cellphone multiple times a day on a daily basis looking to collect a debt from XXXX XXXX. Im not XXXX XXXX, nor do I owe this debt. I have gone through their automated service multiple times to remove my cellphone number. I have told them Im not the person being sought, that person does not own or have access to my cellphone number, and they are not a relative. I have repeatedly asked them to stop calling my cellphone. Despite my efforts to resolve this matter on my own, ASG continues to telephone me on a daily basis, multiple times a day.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My federal loans are consolidated and serviced by Fed Loan Servicing. I qualify for the PSLF program and have submitted documentation for regular tracking of my qualified payments. When determining the number of payments that qualify, Fed Loan Servicing 's system had an incorrect " amount due '', showing XXXX cent more than was actually due for 11 of my payments. Therefore they stated that those 11 payments did not qualify. 

I reached out to Fed Loan Servicing on XX/XX/XXXX and spoke with an agent named XXXX. Her agent number is XXXX. The agent told me that she could see my loans and that the amount that had come over from the previous servicer was not that amount that was entered ; it was off by that XXXX cent and that my payments should have been counted. 

I always had my payments made automatically, on time, and for the full amount. 

At this time I requested that these payments be reviewed. I called back after a couple of months and was told that the review was not yet completed. I called again a month later and a month after that, still with no progress and no available updates at all. When I called in XXXX, I found out that they had not submitted a review of all 11 payments, only 6 of them. At that point I requested that they start a review of the other 5 payments as well. 

I contacted them again around XX/XX/XXXX, 8 months after the initial review. They stated there was no update and the review was still pending. 

It has now been 10 months and the review is still " pending ''. Even though XXXX told me from day 1 that she could see the error in the servicer 's records, and that all 11 payments should have counted, they still have not completed the review. 

In addition to this, around XX/XX/XXXX I submitted updated paperwork for another year of completed services towards PSLF. They still have not updated my totals to reflect these 12 months ( I submit new documentation annually now ), over 10 weeks later. 

I will finish my 120 payments in 21 months. But without a successful completion of these reviews, plus a timely response of my updated PSLF activity, it will not be possible to complete my 120 payments and have my loans forgiven. 

All I ask is that my reviews be completed and my accounts updated correctly and in a timely manner. This would have taken XXXX 5 minutes to do, if she had access to update the account to begin with ; yet 10 months later and still nothing. 

Thank you for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them from my credit report.

Company response to consumer: Closed with explanation