BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: ALLY FINANCIAL 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 is missing that should be on the report

Complaint:
Ally financial Denied my right to credit on XXXX XXXX2021, which I applied in good faith. They send me the reason for denial and in the letter I notices the company they received the credit application from was false and inaccurate! I went to XXXX XXXX, to do business my application is from a different company. This is inaccurate information. 

Application Number : 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 2015-08-16
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2015 I log into Navy Federal Credit Union to setup some bill pay because I have my XXXX Salary go into this account there are some bill that nee to paid. Everytime I week there 's problem with my Navy Federal Credit Union Account either suspended my account for membership verification or withholding my pay because of fraud and not refund my money back into my account. Now today this what I see when I log into my account this message. 
Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 

Please investagate the product and services and why they just suspended your account without notify you and ensure that are working according to United States Banking Federal RegulationsBecause your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX Adjustment B Account Number Num : XXXX Balance {$2800.00} Dear XXXX, I am writing in regards Adjustment B account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/21 i was notified by Navy FCU that I was past due on a XXXX loan. I have never applied for a XXXX loan. I was scammed. i went into bank and filled out a declaration of forgery/fraud form and informed them I never applied for a XXXX loan. They were able to tell me the person who filled out the loan had changed my employer and email and had electronically signed for the loan under my account #. They even went as far as giving me the IP address of where loan originated XXXX the bank at first stated they could see I did not have anything to do with taking out this loan and could see I was a victim of identity theft. Yesterday Navy FCU tells me they know who took out the loan and know where the money was transferred to once the loan was taken out in my name in my account and transferred to another account and whose account it went to but will not disclose that information and that basically, I am responsible for this. HOW? I FEEL like i have been victimized XXXX. Once by this individual and once by the bank who is supposed to protect my identity. Why would I change my email, phone # and employer information for a loan application and a loan of XXXX?? why would this not raise red flags???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Tate and Kirlin Assoc
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection company-Tate & Kirlin is billing from creditor XXXX for $ XXXX. The original Ietter in XXXX XXXX from Tate & Kirlin stated they could offer me a discount of 60 % for a balance of $ XXXX. Their client is XXXX. I have not entered into a contract with XXXX. 
I contacted on XXXX/XXXX/XXXX Tate & Kirlin to get answers, but when asked for my SSN or DLN, I refused and she ended the call. 
This could be for an old charged off account from XXXX. 
What am I to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am an XXXX with XXXX properties in XXXX FL. XX/XX/XXXX I received a bill for {$28.00}, which I immediately paid via online banking on XXXX/XXXX/XXXX. In checking my credit report XX/XX/XXXX/XX/XX/XXXX, I found an unknown charge from a company for {$36.00}. In calling the company, they advised me that they were contracted by XXXX XXXX. I called XXXX XXXX, as I knew I had paid them. It was at this time that they advised me that they received my payment XX/XX/XXXX, but they did not know where to apply it. Please note, I only have XXXX accounts with them in XXXX FL. When I asked them why they did n't bother to phone, they did not have an answer. They told me that I would have to deal with the Collection Company. I called back. I explained the entire situation. I heard nothing back, so I checked my Credit Report again and the {$28.00} was credited, leaving a balance of {$7.00}. I called back to the Collection Company. I spoke with XXXX on XXXX/XXXX/XXXX, who informed me that they are contracted to do the final bill with XXXX XXXX. I asked her how I can pay the balance and have this removed off of my credit report due to the circumstances. She could not help me. I asked for someone " above her '' to call. On XXXX/XXXX/XXXX, XXXX XXXX, VP of Operations phoned. I went through the entire story again. I informed him that I DID NOT RECEIVE ANY NOTICES IN THE MAIL FROM THEM. He verified that the last mailing that was going to the same address as the previous XXXX was, in fact, returned to them. He refused to help me, so I asked to speak to someone above him. He informed me that " he is it. '' He said that the President of Operations does not speak to the public. He will not remove the account from my credit report, even though XXXX XXXX received the payment and did not bill me for the balance due. Neither XXXX XXXX or XXXX XXXX ever called me regarding the initial payment made in XXXX of XXXX or notices that were supposedly sent. This was verified by the account. I want the account removed immediately from my credit report, as XXXX XXXX dropped the ball and XXXX refuses to cooperate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a Navy Federal Credit Union member for about 3 years and I had to close my XXXX XXXX XXXX XXXX times because some one at Navy Federal doesn't care to much about the security of my account. I have had a bank acct all my life and never had to close my acct at no other bank except Navy Federal. On XX/XX/2021 I received a notification from the bank that some one tried to use my debit card at XXXX to pay a bill in the amount of XXXX dollars at XXXX hrs. It was a good thing I didn't have that amount in my acct for them to steal. I am a XXXX XXXX XXXX XXXX Veteran on a fixed income i really don't need this type of aggravation. Today i will go to the ATM to with drawl my money from my acct then call Navy to close my acct so they can send me out a new card and acct number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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: Was not notified of investigation status or results

Complaint:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Midwest Loan Services, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage servicing company for XXXX XXXX XXXX, XXXX, Az. failed to return excess funds at the close of escrow on XXXX XXXX, 2015. There appears to be a large accounting error and poor management oversight with our escrow account. The company Midwest Loan Service , Inc., failed to respond to therequest by the Title and escrow company handling the sale of our property. This failure has caused extra funds to charged via escrow at closing that were already covered in the escrow account. Also, they indicated that the property taxes had been paid to XXXX County, when in fact they had not! As of this writing, this company has not provided a proper audit or explanation of what happened to the funds accumulated in the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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 have sent several certified letters to the credit bureau in regards to this matter and received no response. I also submitted a few CFPB complaints. The account was only updated instead of deleted. XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. Thats relief is stated in the court documents below. I have also filed a complaint with my states attorney general in regards to the settlement. THIS ACCOUNT IS UNDER LITIGATION FOR PREDATORY LOAN PRACTICES!!!! It should be deleted from my credit profile instead of updated which it states in the court documents! Below I have attached the case files in regards to the lawsuit. This is a court order to DELETE not update!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit report for Experian and XXXX has the wrong address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

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 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 2016-10-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Credit Score for Equifax XX/XX/XXXX was XXXX. My Current Credit score is XXXX. My wife 's current credit score is XXXX. For XXXX my Credit Score is XXXX. My Score XX/XX/XXXX was XXXX. My wife 's current credit score is XXXX. We have EXACTLY the same items on our Credit reports, my report took a huge nose dive from XX/XX/XXXX to XX/XX/XXXX. The only difference between the two months is XXXX extra credit card, that 's neither delinquent nor is there a balance on it. I less than XXXX % credit card utilization, and I 've never missed a payment on anything. I ca n't get anyone to explain it to me either. This is costing me a lot of money. You should be able to just ask why scores are the way they are, rather than have this cloak and dagger! I need someone from both to explain what is going on, and why. 

FYI, I put down Information is not mine because that 's the only thing that even came close.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a PNC checking account ( performance select ) on XXXX XXXX 2016 in a local branch with a promotion of {$300.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This issue is about a notorious ( but very common ) flaw, which has been made by Equifax for years ; the merging credit information from various different persons to a single person. 

An year ago ( or a couple of years ago ), a person living in XXXX emailed to me about " id theft '' issue. His SSN is one-digit different from mine and his name is also similar with mine. 

He checked his credit to apply for a morgage loan and found many activies, not related to him. Some of them were actually mine. I also realized such issue that time, since I was buying a car. Currently, I have XXXX credit info and he ( living in XXXX ) has all information of mine. And this flaw only belongs to Equifax. XXXX and XXXX do not make this flaw. 

And, it is also notorious that fixing Equifax 's fault is very hard. Someone needs to buy an attorney to fix their faults. I have been hard even to contact with them. 

I think you are already familiar with this issue. I can find many similar cases by a couple of minute 's googling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was open a checking accunt in PNC Bank since XX/XX/XXXX and evry thing it is good and I pay my bills and work normally, but XX/XX/XXXX I was surprised that the bank want to closed my account, I asked them about the reason of that no one answer me,!!! after that I open new one in XXXX Bank and evry thing good too, but XX/XX/XXXX I received a letter from this bank that them need to close my new accont too!!!! and I asked them the reason and the same thing no one answer me!!!! Please help me what is wrong?? what I did? and I doing now?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Alliance one is continuing to report XXXX different collections that do not belong to me. They continue to ruin my credit. I have continued to dispute the accounts with the credit bureau and they come off but yet Alliance One continues to re report. The accounts are reporting without a social attached to it. There are several XXXX in this household and Alliance one continues to report the account without personal information just name and address. This complaint should serve to alliance one as a debt validation letter and I am requesting the following documents. 

*Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect*Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor*Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes*Provide a copy of an original executed contract that contains my signature, where I agreed to this debt and my personal information where it shows it belongs to me. 

I have sent Alliance Onel several letters certified mail that I have proof for and they continue to ignore my request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been getting calls starting early morning to late at night from XXXX. I called them this morning after a call from them at XXXX. When I got a service rep, she told me I could do nothing about the calls and that since I was n't a customer I could not speak to a supervisor. She told me that only the person who owned the account could take my number off their list. This is from PNC bank and I have no accounts with that bank and never have! What am I suppose to do to get them to quit calling me?

Company response to consumer: Closed
Consumer complaint received 2016-07-21
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Delinquent account

Complaint:
I wish to File a complaint with Discovercard! I recently file disputes with all XXXX credit reporting agencies about discover reporting Neg Info on my credit Files.. Each time each reporting agencies would reply back saying that discover had Verify the account as reporting correctly.. So I reached out to Discover to see if we could n't get these issues taking care of.. I went back to XXXX / XXXX to obtain Old bank statements. And found receipt and sent them to Discover and They fair to respond back to me. I also spoke with XXXX a rep at Discover XXXX XXXX XXXX XXXX to set up Payments he stated to me that they he would Give me interest free payments if I made all Payment 's On time until the Debt was Paid off. It was a deal that I could n't refused.. I agreed and excepted his off. I asked XXXX once the Debt was paid in full with No missed payment would and could He have the account deleted from all XXXX of my credit file. XXXX told me he would have to speak to a supervisor and placed me on hold. for a long while He came back on the Phone and advised me that I would need to finish sitting up payment info and agreements! once that was all done a lady By the name of XXXX got on the Phone and stated that she would have the account removed from my credit file once the account was paid in full and That the payments were not late. So i contact Discover after the account was paid in full ands no missed payments they claim that they could n't have the account removed. Discover I gave you my word and made all Payments on time and I expect for you to do the same. But I know they got the money and now its we did n't agree to this! I will contact and lawyer if discover DO NOT HAVE THAT ACCOUNT REMOVED FROM MY CREDIT FILES!

Company response to consumer: Closed with explanation