BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
First, I faced multiple issues regarding fraud charges on my account. Thankfully, though it was difficult to reach customer service, I was able to cancel + freeze my debit cards, and the one charge that did go through is supposedly being investigated. While that has been " taken care of '' or is at least prevented from further issue, I also ran into my account getting locked due to login attempts by scammers. My account has been locked since at least XX/XX/XXXX. 

Due to tech issues I am unable to reset my password properly and get into my account. I've spoken with customer service multiple times about this issue and been transferred to tech support twice who is supposedly working on the issue. I was told that the issue should be solved by last friday ( XX/XX/XXXX ) or early this week and I have still heard nothing. Ally, as an online only bank, has been unable to let me access my bank accounts for almost two weeks now. I have transferred some money out of my accounts via phone, but I would like to cancel my auto transfers and 'surprise savings ' so my money that I can not access ( unless I call customer support and sit on hold for XXXX min to an hour ) won't continue to move around. I need access to my bank accounts. This tech issue needs to be resolved now.

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 2022-08-30
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been calling every other day and you have to wait on the phone for 4 and 5 hours or more before someone can talk to you about your account. 
As XX/XX/22 I received a statement in the mail with the amount of funds that they are still holding but when I go to check on my account on the phone it's still close. And I was told by someone in the main Headquarters that the investigation was not over. But " I should be receiving my funds and my account should be open for where I can receive my money. They know that, they was wrong on there end. Because I have warning and told them. And the money that they was holding was there for XXXX, that was before the fraud check. 
I want my money.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/22, at about XXXX p.m., I received a message on my phone asking if I was on the phone with them and I answered NO.. At about XXXX a.m., I checked email and was informed that my email was changed. I immediately called and was told nothing was changed. On XX/XX/22, I received a text saying my charge at XXXX for XXXX was approved. Again I immediately called and was told my whole account profile had been updated and a new was sent to the new address. I informed them tthat I DID NOT change anything, and a fraud investigation was started, and a new card with a new number was sent to me. 
On XX/XX/XXXX, a letter was attached to my account saying that it was not fraud and I was responsible for the charge. I again called on XX/XX/22 and complained again. Again the charge was removed and then put back on my account the same day.. I have had this card for over 15 years and have NEVER shopped at XXXX This is a Capital One mastercard and case number is on attached files..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I think this concerns both federal and private loans. Regardless, my servicer is navient. They make it EXTREMELY difficult to make any additional principal only payments. All I wanted to do was make additional principal only payments ... to be done automatically through my bank. Every month, my bank would send them a clearly labeled principal only check to be applied to loan " X ''. An additional automatic payment by check to my particular loan. They will not accept it unless I WRITE A LETTER EVERY TIME I send in a check. WRITE A LETTER??? Seriously??? This is unheard of. This is ridiculous. I cant even write ONE simplified letter stating " ALL additional payments beyond my monthly payment should go to principal only for loan X ''. They will not accept it. You have to ATTACH A LETTER TO EACH CHECK EVERY TIME! You do n't even have to do this for mortgage loans. I have a loan for XXXX and it is absolutely EASY to make additional principal only payments. The bottom line is ... Navient does NOT want me to pay off my loan early! They make it Extremely difficult knowing that typing a letter for each check is very time consuming and simply will not get done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I asked XXXX and Trans Union to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX are reporting incorrectly where I am shown as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
My credit score has always been low even though I established it at XXXX. I have been responsible and I am not sure why it has been low. And seem I can not improve it no matter what I do. I feel a little discriminated against. Please help

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 2017-04-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The account from XXXX college under the collections agency XXXX has been deleted and readded twice now after failed attempts to verify. I was never notified of it being readded. I just redispited the first time and it was deleted again, and now has been readded once again without warning and without validation. I want this account removed and blocked from ever being readded. This is breaking the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has a security freeze on my account. when I try to sign in to myequifax.com, I get this message : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX I have called this number numerous times and have spoken with several agents. I understand the need for security to protect consumers from fraud but talking to foreign agents that speak a foreign language is useless. It would be easier to hack into my account than to deal with their agents. 
All I want to do is unlock my credit report to apply for a loan. 
I have been trying for 3 days, XXXX, and XX/XX/2022. 
Their identity verification process is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX I XXXX XXXX WASHINGTON, DC XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-12
Company: ERC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
received letter dated XX/XX/XXXX from ERC stating that I owed a debt to XXXX, acct # XXXX in the amount of {$430.00}, reference # XXXX. I have never held an account with XXXX and do not owe them any money. This is a fraudulent attempt to collect money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-02-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Today is XX/XX/XXXX and I call capital one three times they were very rude and very disrespectful and Im a customer and I was calling to see if they can help me to reset my username and password so I can log online to look at my account they have transferred me to her also a representative when I asked three times to transfer me to someone to be on store representative back in XXXX when I spoke with someone Ive stated to her that I only want to sleep with someone who is on so our representative and she stated that she was going to notate my account stating that so again that was not doneSo I was unaware of that capital One was hiring rude people as I was speaking the lady named XXXX cut across me not once but twice thats very rude look at the ending on the customer so with that being said Im filing a complain

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXXXXXX isn't reporting my house payments for over 6 years. I sent them the reaffirmation documents for my Discharge of Bankruptcy. No one want to take care of my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 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 2022-08-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Midland Credit Management has failed to comply with FTC Regulations and refuse to fix this issue. This is a clear violation of my consumer rights. 

They have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
For the last 3 years, i thought i was on an income based repayment, but when i redid my paperwork last week, i found out i was on an income sensitive forbearance. I was never informed that i was on a forbearance and even though i made payments for the last 3 years, they didnt qualify toward the 25 year ontime forgiveness. I now have to start from scratch at repayment. I have navient as a provider and now that im on an income based repayment, i will still be paying for at least another 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in XXXX XXXX XXXX  I had a bag stolen from me with my social security card, license, government ID, and debit/credit cards. Since than it's been an on-going battle of trying to stop the person from opening credit cards, loans, and unfreezing the security freeze I put on my credit with the 3 Credit Bureaus XXXX Transunion has been the biggest issue, the suspect was able to log into my online Transunion account and remove the freeze from my account. I asked Transunion to refreeze my credit and lock my account so that if I needed to make any changes I could just call and do it over the phone. This has not stopped the person from calling Transunion and just lifting the freeze again on XX/XX/XXXX. I noticed on XXXX.com that multiple financial institutions got my credit report from Transunion from XXXX XXXX XXXX XXXX. I once again called Transunion to reapply the freeze but again on XX/XX/XXXX the person removed the freeze from my Transunion account and again financial institutions got my credit report. I have just put the security freeze on my account again today ( XXXX XXXX ) but I'm expecting the person will remove the freeze sometime soon. I asked if there was any way I could have the phone number of the person who called on those days but Transunion told me they do not keep record of the phone numbers calling. I have had an on-going police report with XXXX since the initial incident in XXXX XXXX  XXXX but still have come to nothing. I'm an XXXX XXXX XXXX and am doing anything and everything I can to protect myself as best as I can. My job depends on the security of my credit as I have a XXXX clearance and credit plays a role into how they evaluate me. The police case number is 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 2020-02-19
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from a debt collector -- CMRE -- on behalf of XXXX XXXX XXXX. I had earlier received a bill from XXXX XXXX XXXX which i paid in full. When i called CMRE regarding this bill asking what it was for ( when i had already paid the bill i had received ) they were unwilling to give me any more explanation other than i owed some balance. I requested an itemized bill so i could know what and why this difference, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX XXXX XXXXXXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: ERC
State: NY
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 is fraudulent information on my credit report that I had no knowledge of it being on my credit report I would like these items to be removed off my credit because its effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Bridgecrest Acceptance Corporation
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: Information belongs to someone else

Complaint:
i am trying to shop for a house and in my credit report pops up a voluntary repossession of a car with the same company i bought a car someone had use my previous identification to make that loan so i am trying to remove it from XXXX  which is the one that is giving a hard time and obviously sent it directly to the company which is stating that i have the loan on my car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
I have an inquiry on my Equifax credit report from XXXXXXXX XXXX from XX/XX/XXXX that I do not recognize or authorize. Ive tried calling XXXX to let them know, but they stated I would have to call Equifax to get it taken care of. I called Equifax and they stated I needed to file a report on FTC, in which, I was directed to this page. I need this taken off of my report because it was not authorized by me, and according to the FCRA, legally, this unverified unauthorized item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Simply can not find anyone in this company who can provide any level of customer service. Sadly, multiple decades of great service with the company that serviced my mortgage - but New Rez took over my mortgage and since then zero meaningful assistance. The worst mortgage company I have ever dealt with and they just appear to make things up as they go. Every time you call it's a different story. They should change their name to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation