BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dates from XXXX to XXXX. Ach withdrawls were transfered out of my account into another account that wasn't mine. Total amounts they calculated was XXXX but I calculated XXXX $ that was missing according to my bank statements. on XX/XX/XXXX I noticed XXXX XXXX Bank was listed as one of my external accounts ( which it never, appeared before XXXX ). I contacted Navy Federal and ask about the XXXX XXXX accoun, t, the representative said that I opened it in XXXX of XXXX, I told him that i didn't open that account and ask him for more information he didn't have a phone number but he gave me an account number # XXXX. So I started by calling the XXXX XXXX branch in XXXX and told the person why I was calling, he said their accounts didn '' t start with the number 2 theirs started with 3 he told he was going to transfer to another branch which was in California I told the rep why I was calling she asked for SSN number and verified I didn't have an account with them. Navy Fed had me to fill out form 82 and send it to them with dates and amounts and I did. They replied back and said that there was error on account activity and that I was responsible for the full amt.I appealed it requesting their findings. they never replied but closed my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was messaging with someone on XXXX who I thought was going to help me with my XXXX, but he talked me into sending him {$60.00} through Zelle from my bank. This turned out to be a scammer who just wanted full access to my bank account because as we were messaging each other, this gentleman was quite persistent and impatient with me giving him my bank login information. He also seems to use other people 's phone numbers to receive money from Zelle or XXXX. 

I had called my bank the very next day and the customer service told me that he definitely tried to access my bank several times that day, but luckily my bank knows which devices I use and my location and they blocked him from having access. 

However, they were unable to reverse the {$60.00} because my bank mentioned the process was instant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a mortgage with  Citizens One  home loans and a checking account with Citizens Bank, a stipulation of obtaining the mortgage, from which the monthly payment is automatically deducted. On   XX/XX/XXXX  ,  Citizens One  tried to pull the regular monthly payment from the account, but there were insufficient funds. On the online banking, there was actually a negative balance and I thought that the overdraft protection took care of it. Then, the funds were returned. Then they tried again. I transferred enough into the account to cover it on   XX/XX/XXXX  , but it took  XXXX  business days to clear, and  Citizens One  tried AGAIN on   XX/XX/XXXX   but they had n't arrived yet. My funds cleared on   XX/XX/XXXX   but  Citizens  stopped taking the payments and reported me lat e 30 da ys for   XX/XX/XXXX   and  60 d ays for   XX/XX/XXXX  . The funds sat there and the bank did nothing.     The result has been devastating : My credit went from the high  XXXX  's to  XXXX .  One creditor closed an account on me. I am now applying for a new m ortgage, and it is going to cost  me tens of thousands of    dollars more over the life of the loan because of this mistake.     I have contacted  Citizens One  on a number of occasions. Their response is that they had sent me letters. I was not in New York from   XX/XX/XXXX  -  XX/XX/XXXX   so I did not receive their letters. They said they made phone calls. I did not receive any phone call from  Citizens One . I asked why they did n't email me and they said they do not email. I asked why they did not take the funds from the account when they clearly saw them in there. One woman said they have " nothing to do with Citizens Bank. '' ( I was obligated to open this account when I got the mortgage, but then they have " nothing to do '' with  Citizens  Bank  ).      Today I spoke with  XXXX   XXXX  at  Citizens One  and she maintained that she * can not * my credit report because " they payments were late. '' I agree, the payments were late, but *only because the bank did not collect the funds from the account. * Since the mortgage was opened in   XX/XX/XXXX ,  the mortgage has been paid on auto-pay. You ca n't stop accepting payment and then tell me I am late! These marks are devastating to my  credit score  and history and completely unfair and untrue and do not paint an accurate picture of my creditworthiness. You can see by the attached Citizens Bank checking statement that they kept trying to take the funds and that I transferred the funds. All was well by the  * XX/XX/XXXX   of the month* and then it escalated to being late  30 days then 60 days! This is not an accurate picture of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Beginning principal balance with  XXXX   XXXX  of about {$40000.00}, and after starting payments in  2010 , the BALANCE OWED on my student loans through this lender is now HIGHER than it was when I started. I am trapped. my debt to income ratio is horrible, and I have even PUT OFF HAVING CHILDREN as a result of this lender, ( as well as  XXXX  others ) keeping me prisoner. I did resolve to have a lower interest rate with auto pay, but I 'll be paying this off until I 'm  XXXX . My total student debt is {$110000.00} annually.  XXXX  of that  is Federal.      The only reason I 'm paying these loans on time or at all, is because if I did not, they would call an harass my  XXXX   XXXX   XXXX  grandmother an d myself 10 times a day. I pay because I could n't bear to hear my grandmother be afraid of the debt collectors and their threats. The process was heartbreaking and infuriating at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I initially went on XXXX to get my free credit report. After I chose XXXX it said I had to mail in a letter by mail and get it mailed to me. I was going to look at a house and wanted it immediately, so i followed the link to Experian. It said I could view my credit report for {$1.00}. In fine print it said I was signing up for Experian XXXX XXXX services and would be charged {$1.00} per day which I did not realize. Once I saw daily {$1.00} charges from Experian in my credit card transactions I called to cancel. They assured me there would be no charges and I had caught it within the 7 day " free trial '' period. This was on XXXX XXXX. Then on XXXX XXXX and XXXX XXXX I was charged for {$24.00}. I called XXXX, XXXX XXXX and they verified that my account was inactive but found that XXXX people signed up for their services using my credit card number. These are the only unauthorized purchases on my card. I find it convenient that their response to this was to call my credit card company rather than reimburse me and report it as fraud. And then of course they tried to sell me their services. They want me to give them MORE money after they just put me through this hassle and allowed people to charge my card in my name. I find these extremely deceptive from a company that is supposed to be helping to protect people 's credit. Did they have a security breach in the last month that I dont know about? I dont know how anyone could have my card number and why they would use it just for credit report services. Now I will have to watch my credit reports but I will definitely not be giving them a dime. Especially when they are unwilling to refund me these charges. I dont believe my credit card company should be responsible for refunding me those charges. 
XXXX XXXX, Certified Financial Planner ( TM )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My issue concerns a collection account held by Portfolio Recovery Associates and one which I have previously disputed in order to get documentation as to it's authenticity as outlined in the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 
All previous disputes have gone unanswered. All disputes have been stamped meets FCRA requirements with no actual diligence in meeting said requirements. 
To date, I have received no documentation nor have my disputes been meet with transparency. 
It is my hope that this agency can step in to help mediate this matter and force the collection debt buyer to comply with my request as outlined in the above stated laws. 
I have no knowledge of the account as reported and wish for a thorough investigation so that this unknown item no longer appears on my consumer credit files as it does now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have several medical bills from XXXX iowa they did not file with my insurance company properly or not at all i have contacted my insuranse company and they have not recieved any charges that is on my credit report they can not pay what they have not been given i went to them and asked and they told me they did submit it i asked them to resubmit it and they told me they could not also i swear under oath i have never in my life time received a bill for the charges that i see on my credit report from them also they are charging me for an ambulance that i never was transported in and charges in XXXX of 2012 or XXXX the patient was my mother and no charges were ever submitted to either insurance company and again i have never been sent a bill for either i have charges from years ago but in no way knew about them until i looked at my credit report for the first time this year

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 2022-03-28
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After dealing with Hunnington Bank on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX XXXX late even though I had spoke with multiple Reps on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called Hunnington that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. 

I have spoke to multiple people now at Hunnington Bank and they all tell me they agree with what happened wasnt right, but they cant change what was reported. 

Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the 2 bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed XXXX it shows it was XXXX payment XXXX Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
Open and active Dates are in accurate on both of XXXX and transunion.

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 2016-09-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian did not delete a public record account on my credit report. NYS tax and fiance in the amount of {$3300.00} which was a paid judgment was due to be deleted from my report as the allowed time has passed. I tried to dispute it online through experian website but unable to do so as the system would not allow me to do any disputes. I tried contacted experian by phone and was told that it is not reporting on my credit report. I just checked it through XXXX and XXXX and it is still reporting.

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 2016-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX inquiries that are not mine due to identity theft

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

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 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 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 I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as 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 2022-03-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Money was stolen XXXX times from my business Chase account, always Chase was refund the amount but the last time because i did dispute after 35 days they not giving me back an amount {$8100.00} Chase case Complain # XXXX Its not fair, i call them many times they told me to go police dept and make police report, I did but they not going to give me my money back because of 35 days limitation time. 
Unfortunately after few times money was stollen from my business ( XXXX ) account i stopped to use a chase account that why i did not see money was stollen in XX/XX/2021. I still can not believe it that banks not refund a money which was stolen, after XXXX time when money was stolen the chase asked me to change passwords, to get fresh antivirus XXXX program and i did everything they told me. 
This is a very serious i do not understand why US allows to do kind of policy for US banks after 35 days denied dispute,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25
Company: SecurityNational Mortgage Company
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A lengthy detailed explanation has been written and is Exhibit 21. Please read this first. It will provide details and reference the other 20 Exhibits that will be attached providing I can attach all of them. Just so you know I have contacted Security National Mortgage Company ( SNMC ) and have gotten no response at all from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There 's XXXX accounts on my credit report both from the US Department of Education XXXX with a balance of {$3500.00} and the other {$0.00}. I do n't understand that being a victim of student loan fraud and my personal information was used for opening other lines of credit and taxes. I did not open these accounts.

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 2017-01-19
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I contacted FedLoan Servicing via their " Contact Us '' email on XXXX to inquire about the status of my income driven repayment request and informing them that I ca n't afford the standard repayment. I received an automated response acknowledging receipt of my request, but no answer. I also completed all of the income-driven repayment ( REPAYE ) info via studentloans.gov on XXXX and have yet to see my payment change. I contacted them again yesterday via email and received another canned response without having any of my questions/concerned addressed. I expect that any delinquency reporting will be cleared up with my credit bureaus and that someone will reply to me to update me on the status of this request. Please reply so I can resume repayment at an appropriate payment level. I have documentation of all of these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Credit Karma, LLC
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
credit karma is reporting XXXX open accounts on my credit report that should be closed due to bankruptcy.the XXXX open accounts are both medical, XXXX XXXX IN. credit karma is wrongfully reporting this because equifax has already fixed the problem.

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 2020-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
on XX/XX/2020 and XX/XX/2020 and XX/XX/2020 and XX/XX/2020 I had multiple attempts by someone to open a credit card through Capital One ... .XXXX  emailed me they had ; I locked my acct and put fraud alert ... .called Capital One and they said it was closed and denied ... .I need an account because someone keeps trying to attack and steal my credit and identity and open up accounts/credit cards The credit card company said it was denied but I want written proof I will not be held liable if anything happens about my credit thx XXXX XXXX

Company response to consumer: Closed with non-monetary relief