BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was informed after my husband was XXXX that there was a credit card opened in my name as primary account holder through NFCU. I have Never applied, had access to or knowledge about this, nor permission. When I inquired about a contract or proof of identification, I was informed through NFCU & this XXXX XXXX that all they knew was that it had been opened Over the Phone from a Females Voice. I asked for this recording, they cant provide. I have filed with Identitytheft.gov, my XXXX XXXX account was also compromised and they were a fast responding company that figured out the fraud and refunded me promptly. Ive filed with the XXXX, and all three Credit reporting agencies. I have a vehicle loan through NFCU, informed me I had to open my own checking/savings account to transfer money into and make the monthly vehicle loan payment. I logged on to do the money transfer into vehicle loan and there were no funds in my account. Upon calling NFCU/XXXX XXXX I was informed this fraudulent card could withdrawal money from my personal checking if there was a payment due on this fraudulent card and that I should know this because it was in my contract. I informed them yet again I NEVER signed a contract, Ive never been provided one, because they dont have one. So now approximately XXXX was stolen from my personal account into this fraudulent/Identity theft credit card without my consent or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Minto Financial dba Minto Money
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a small loan on XXXX in the amount of XXXX $ from Minto money. In the paperwork there was never an interest rate or pay off amount. When I signed up the women in the phone said I would have a pay off amount of XXXX XXXX 3-4 days later I had to call back because they took the money on the wrong day and they had most of my information wrong. They never sent me over a new contract or anything with interest rate or pay off amount the only thing I was told is my pay off amount is XXXX XXXX Calling on XXXX they told me that my pay off amount is now XXXX $ and its going to go up everyday I have the loan out despite the fact I am making payments already and now they say I have a over 600 % interest which was never discussed with me and the paperwork online doesnt have my signature on and still wrong information I have given them {$880.00} but some how they say my pay off is still XXXX $ and going to continue going up every single day and if I dont pay the total is going to end up being over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: TN
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:
Dates ; XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX Amounts : Up to XXXX dollars worth of accounts that are not mine currently being reported on my credit reports Action taken : I filed a police report, and went on the FTC website and signed up for ID theft prevention measures as well as filed a FTC complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Last year in XXXX I found a fraudulent account opened with my social security number at XXXX XXXX XXXX  XXXX I filled an identitytheft.gov report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with XXXX XXXX XXXX . I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.

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 2023-03-28
Company: EQUIFAX, INC.
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
I made a charge on my Capital One Venture Credit Card in XXXX. The exchange rate was 12 % less than what was advertised by Visa. 

Per Capital One : They do not charge any bank fees on foreign transactions and the Visa rate should be the rate reflected on my transactions. 

MY charge is currently being disputed and took some pushing on my side for them to understand what was going on and even dispute the charge. But given the size of Capital One and Visa this could either be a honest mistake, that needs to be rectified quickly for many card holders. Or possible intentional fraud that can push millions in profits towards these companies that needs to be investigated and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a repeated complaint regarding CapitalOne 's annual fees and resulting lates fees, finance charges, and negative credit reporting. I have several cards, most of which I've had for many years, maintain in good standing, and most I keep completely paid. When I don't use the cards for an extended period of time, I should not be charged and annual fee. If I am using a card, and receiving the cash back benefits, then paying the fee is not unreasonable. 

Contrary to policy several years ago, CapitalOne now " automates '' the process of waiving annual fees and late fees, instead of allowing and empowering the individual phone agents with the ability to view the accounts ' history and offer the accommodation ( s ). 

The specific card is one of several I have not used for many months, yet is being charged an annual fee, subsequent late fee, and related finance charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a 1099-C, Discharge of Debt, on XXXX XXXX, from Bank of America stating they discharged {$13000.00}. Date of identifiable event was XX/XX/XXXX. I called the number provided, XXXX, and spoke to their agent. She said the associated debt was from a credit card that I opened on XX/XX/XXXX. I have not received a single notice or bill from BoA during the last 12 years. I told the rep that the Statue of Limitations in Mass. was 7 years, and we were well past the dead-line. she said you have to contact your Attorney or Tax Accountant. I told her your the ones that made the mistake, and that they should issue a corrected 1099-C, She again stated there was nothing she could do, so I requested that she send me a copy of all the account charges and the source, and gave her my new address. After about a month I called back because I had not received the requested information. I spoke to another agent, who informed me they don't have any records of my debt. I then asked the agent if I could speak to their floor Manager, XXXX, who again reiterated that they have no records to send me. I really believe that this debt can not be legally collected, then it can not be cosidered forgiveness of debt. I have been retired for 7 years, and this much implied income will cause a real strain on my finances. 

Thank you. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For two weeks now, I have tried to get Citi Bank to update the information they incorrectly sent to the IRS on a Form 1099-INT. On XXXX XX/XX/2022, I cashed in several savings bonds and received a transaction report. I received no other documentation except the overall total of what Citi Bank at branch XXXX- XXXX XXXX paid. Despite several phone calls, Citi does not understand how to update the form to reflect the savings bonds interest and despite a case being opened up, there appears to be no one at Citi customer service that understands how to reflect interest from savings bonds.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries from the following companies were not authorized by me and or anyone representing. 

Companies : 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 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 2023-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
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:
Hello : The issue I am having with XXXX XXXX XXXXXXXX is not actually a credit reporting but actually, being reported to CHEX SYSTEMS. I have been a XXXX client for 33 years and on XX/XX/2022, there was check fraud on my account. I immediately called XXXX to report and they froze my checking account. I informed them that I had my bil lpays scheduled to come out that evening and the day next and they reassured me that all bil pays would be paid from the " fraud '' account. I went to a banking center to open a new account. Starting the next day, my online banking showed my scheduled bill pays being returned for insufficient funds! I then called and was told that they did not honor these and I had to rebuild all my bill pays from the new account which took me hours. Needless to say I was receiving fees and returned payment notices and had to pay 4 bills double. Since then - now 5mths later, have had to call their fraud dept and online banking to request proof that my payments were paid thru the fraud account or not. I have called every 2 weeks for 5mths and never receive anything. I was REASSURED by XXXX that the frozen fraud account, which was overdrawn '' would NOT BE REPORTED to any agency until I would clear this up. Well, I had to pay the overdraft but they reported me to CHEX SYSTEMS anyway and after dealing with the branch, the departments and escalated to their Market Manager they are REFUSING to remove me from Chex Systems even though the account has been paid back by my own funds. I would like to have XXXX remove me from CHEX SYSTEMS. 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 explanation
Consumer complaint received 2023-03-28
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Goldman Sachs Apple Card people are accepting charges from a cancelled and replaced card number. 

I was led to believe my new digital credit card number would replace the cancelled one. Instead, Goldman Sachs lied about replacing it and kept it open, costing me unauthorized charges. 

When I called to complain, Goldman Sachs Apple reps were offensive, obnoxiously argumentative and obscene, saying things like " I need to educate you. '' Regardless, my credit card should have one and only one electronic account number for consumer use ( my use ), like all other normal cards. NO CANCELLED CREDIT CARD NUMBER SHOULD EVER REMAIN ACTIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt collector IC Systems of Kansas went through a law office garnished my wages for XXXX. The law office reiieved check on XXXX from USD XXXX ( my employer ) and sent the check onto IC Systems of Kansas who received it on XX/XX/XXXX. I was told on XX/XX/XXXX that the funds had to be held by IC Systems of Kansas for XXXX weeks to confirm debt was paid which 2 weeks from the XX/XX/XXXX was XX/XX/XXXX. When calling back to ask when to expect my check IC Systems told me 2 more weeks which is XX/XX/XXXX. Calling today to IC systems to see where my check for XXXX is they claim to have sent it to the state of Kansas. Called state of kansas which stated they received payment from IC Systems for only XXXX. This is not right. Where is my money that is owed to me. I feel like I have waited a reasonable amount of time. This debtt collector has held my money and is not returning what is owed to me. As of XX/XX/XXXX I have not received the XXXX they promised to refund me for money collected on a debt that was paid in full. IC Systems can tell me the file is closed and the debt is paid but cant find my money.

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 2023-03-28
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
2 years ago, I repaired the vent and central AC in my house. XXXX XXXX XXXX, XXXX, PA. 

I arranged auto pay of {$270.00} with this company ( Ally Lending ). So that I can pay off within 18months stipulated interest free. 

XX/XX/XXXX was the day the last auto pay was deducted from my account. Leaving {$35.00} I received a letter dating XX/XX/2023 that I have an outstanding payment of {$1400.00}, which I immediately called back to dispute. 

The representative told me on a recorded line, that since I called within the 7days of the notice, I am allowed to pay off the {$35.00}, and will no longer be liable to pay the {$1400.00} interest. Which I did that very night. 

I was given pay off confirmation Number : XXXX XXXX XXXX. 

But I have since, been harassed, with reminders, emails, and mails. 

I have disputed through emails, and phone calls to no avail.

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 2023-03-28
Company: EQUIFAX, INC.
State: MD
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 a bankruptcy on one of 3 of credit companies.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: NY
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:
Its been over thirty days, and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete this alleged late payment on my credit report. Under federal law they had thirty days to complete the investigation, and by failing to do so the item must be deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ON XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to do a modification on my home the title were in my names, my mother pass it was just me on the title also I was marry but his name was not on title.When I spoke with Wells Fargo about a modification they told me my husband had to be on and then we made to much money will not understand that home was my and my mother we purchased the home in 1974 they turn my down and wouldnt help me get a modification so with that I lose my home, and to top it off wells sold the property for a little of nothing but I had to pay the state of CA {$100.00} back then not get XXXX XXXX  for the house.I hope someone can help me Thanks!!

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 2023-03-28
Company: Experian Information Solutions 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:
Dear CFPB, I am submitting this complaint because Experian will not help me. I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and my recent credit report. I am writing to request that you enforce Experian to place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Account name : XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my Experian credit file. As you can see in my credit reports XXXX And XXXX have deleted and blocked these fraudulent accounts that were opened in my name. In fact, I did not send a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per section 605B where it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information And also sections 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file. 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 explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXX violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation