BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 opened a Navy Federal Savings & Checking back in XXXX noticed in XXXX that there was a card opened under my name & some charges on my debit card that I didnt authorized as well.I spoke to numerous reps about the issues with the credit card & debit card.I sent in a police report about the issues and spoke with the credit bureaus about the credit card and it was removed from my file.I even sent the results to show the deletion of Navy Federal and I still owe XXXX XXXX.I dont understand how the bureaus deleted the Navy Federal & informed the bank about but the debt is still at the bank since XXXX.I tried reaching out to corporate about this several times.I left voicemails & I spoke to the bank & the fraud department numerous times and the debt is still there but its not on my credit report.The bank is taking {$110.00} from my account since XXXX XXXX.I had my account since XXXX, I spoke to a guy name XXXX from Navy Federal fraud dept back in mid XXXX was working with me to help me with my issues but I had to get medical attention and I lost contact with him, I tried looking back into this matter again and its still nothing resolved with this fraudulent credit card opened under my info without my knowledge & my debit card was compromised & used without my knowledge.I spoke with the bank about the credit card and the fraudulent transactions on the debit card and I was treated wrong behind my issues and I was told that the credit card that was opened fraudulently was denied when I was on the phone in XXXX with a banker and my debit card claim was denied as well afterwards.I reached out to the bank numerous times about the issues, I sent a police report since XXXX and the credit card was removed from my credit report in XXXX gave XXXX from the fraud department back in mid XXXX some numbers from my statements that shows the fraudulent charges from my debit that I have no knowledge of and XXXX advised me to go on the online banking and he sent something to me to help with my issues and wanted the bank statements with the fraud charges.I had to get medical attention and had to put that on hold I still have the statements and Im looking for closure with this with my Navy Federal account & with the credit card I have no knowledge of and the account was removed from my credit report back in XXXX due to fraud.Please help me resolve this matter.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Reliable Credit Association, Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Reliable Credit falsely submitted an application using my personal information without my permission on XX/XX/2016. I did not authorized anyone employed by their company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
T o Chexsystem My report is  showing inaccuracies. Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    ( Thes e are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND I CAME ACROSS SOME ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES HAVE NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED AS SOON AS POSSIBLE BECAUSE THIS SITUATION HAS CAUSED A VERY BAD LOOK ON MY CREDIT FILE.

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 2017-04-25
Company: Paypal Holdings, Inc
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX / XXXX / XXXX  : Purchase  XXXX    XXXX   XXXX   E-Gift card through  XXXX , each card worth {$50.00} store value. Seller -  Paypal Digital Gifts.       XXXX / XXXX / XXXX  : I found out  XXXX  of my   XXXX   XXXX   E-Gift card got  XXXX  balance, I tried to contact   XXXX   XXXX   and  Paypal Digital Gifts,  they both  XXXX  the problem back and forth. I called   XXXX   XXXX   and get the transaction detail of thoes  XXXX  gift card, which will list below  XXXX / XXXX / XXXX  -  XXXX / XXXX / XXXX  : My   XXXX   XXXX   E-Gift card was used by someone else located in Florida, where I am a resident in Minnesota the whole year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On  XXXX   XXXX  , 2017     XXXX   XXXX   (  phone number  XXXX   XXXX  and  XXXX  ) at  XXXX  called a family member at work regarding my student loans.

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 2017-02-06
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt has been sold without notifying me. This is violation of my privacy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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:
The following account could not be verified or validated by XXXX XXXX store card. All information including XXXX, XXXX, XXXX and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a car in XX/XX/2022 and tried to make payments that was denied because they were partial payments. Also Social Services try to make payments on my behalf that was denied because they had a credit card. My car was repossessed in XX/XX/2022 due to the payment issues I was not able to come to an agreement with them on making a payment or making past due in order to get my car back on my XXXX XXXX it shows that my payments were all on time and I was up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My complaint is against Rush card. I have not been able to access my money or use my card since XX/XX/XXXX. I 've made multiple phone calls, sent multiple emails, sent multiple messages on social media, and here it is XX/XX/XXXX, and I am still without my money. I 've been contacted by a representative XXXX time, and that was on XX/XX/XXXX, after I was advised to send a direct message on XXXX. The representative had no resolution for me and advised that she did not know when the issue would be resolved. You ca n't get any answers from anyone, meanwhile this has had a huge impact on my life. I have now had to pay a XXXX deposit to my electric provider because I could not pay my bill by the shut off date. Rush card is not providing any help to their customers, and these issues are not resolved as they say on social media.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have banked with Navy Federal Credit Union for almost two decades now. I recently applied for a refinance on my house ( to get cash out to pay off my loans and be debt free ) since I saw the market value has increased. I have looked from several different sources, the most recent was from a company called XXXX XXXX and they valued it at roughly {$250000.00}, I brought it for {$150000.00}. I 'm not asking for the full value of it but enough to pay off bills and maybe do something for my family, being a single dad is not easy or cheap. I 'm an employee with the XXXX and have been for 10 yrs now, I 'm essential and protected by XXXX XXXX XXXX ( lay offs ). Two of the reasons I was denied for the loan do n't make sense to me, I was told that I have bad credit with my Credit Union when I only have XXXX other accounts besides my checking and savings with them. XXXX is a car loan that I stay current with and the other is a credit card that I'am beyond my limit and making payments but the loan would rectify both of those! My debt to income ratio would change drastically if approved for the loan. I wrote XXXX XXXX with NFCU to see if I could file a complaint with them and have not heard a single word from them since. I read a story not that long ago about how XXXX XXXX XXXX has been discriminating against potential customers for mortgage loans. I originally brought my house for two reasons : one is to be able to pass it on to my children and the other was for an investment, and I ca n't even take advantage of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo is refusing to work with our bank XX/XX/XXXX XXXX and cooperate with a ongoing investigation were fraud was committed against myself and my husband on XX/XX/2020 I closed out are Wells Fargo accounts on XX/XX/2020 someone called my husband phone number stating they were a Wells Fargo employee they new are account number and said they needed to process a payment for our time share my husband had forgotten I closed the accounts on XX/XX/2020 my husband made out a check payable to Wells Fargo with our account to be deposited to our account, but it was closed someone deposited that check into there Wells Fargo account Wells Fargo authorized the transaction knowing are account was closed my bankXX/XX/XXXXtold us to take documents to Wells Fargo to be notarized for a fraud case the branch manager XXXX XXXX @ the XXXX location refused to help us

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 2020-12-24
Company: EQUIFAX, INC.
State: CA
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A debt collection agency had applied a fraudulent debt that does not belong to me. This debt belongs to a person I have never heard of, from a town I have never lived, and in reference to a hospital I have never visited. I only first learned of this debt, when I applied for a student loan and was denied due to having " a bill in collections ''. Since I am certain I have never had a delinquent bill in collections, I checked my credit report which listed this fraudulent debt, along with the identity of another person who may have used my social security number. The debt collection agency had never contacted me to verify this debt belongs to me, or to let me know that they were trying to collect payments on this fictitious debt. This has caused me immense harm as now I can not receive a student loan so that I may finish my last semester of college. When I called the debt collection agency they had told me to call the credit bureaus to get the full account number ( of the fraudulent debt ) then call them back. I received the account number, called back and was told " could not speak to me '' because I was not the name on the account. They realized at this point that the information they have is fraudulent, and was applied to social security number incorrectly. I asked to speak to a supervisor, at this point I was hung up on. I called back and asked immediately for a supervisor, the supervisor told me I should try calling the hospital where the debt originated and then ended the call. I then called back the next day, explaining how this debt is fraudulent, was never verified, and that i expected the debt to be removed immediately, the man told me his supervisor would call me back that afternoon and never did. The name on my credit report ( from XXXX & XXXX ) lists the name and address of the person who apparently stole my identity, their address, their employer, and phone numbers. The XXXX report also has my name incorrectly listed as having a middle initial of 'XXXX ', I XXXX name.

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 non-monetary relief
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2022-10-09
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: CA
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:
To  XXXX , Equifax and  XXXX  I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    (  These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED., This is my second request and first request was sent certified so I know it 's been received it just was n't done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: SCOTTRADE BANK
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I tried to deposit a check for {$13000.00} to my Scottrade checking account with F.D.O. ( For Deposit Only ) on the back of the check. They rejected the check. They said it had to be signed with my signature. F.D.O. is perfectly legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My account has been hacked into and i am not getting any real assistance in resolving this is the second time i have opened an account with them and since then i have had numerous fraudlent account opened. Bank of America

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Please do not mark this as a Dino are because its not. First my credit union refuses to give back but a small portion of funds stolen. Then Im out of town snd I find out they took my debit card from me because of fraud. Fraud wasnt my fault. I do have just an atm card. Upon getting home I go thru my history and find that my daughters soon to be x husband stole my card and used it. While I was with my ill daughter her husband had cameras set up snd I know thats how he got pin. When you log into their system it asks for a pin. My daughters soon to be x hasnt. Even able to be evicted cause of COVID. This man also stole my clothes snd all my belongings I arrived with. He stole his uncle clean car many times along with his valuables. The police were notified. But my credit union wont help me. They arent giving my money back to me and I dont know why. I am the victim and who are they to say anything but I believe you. I told them to pull camera footage and they will see but they would rather ruin my life. The XXXX they refuse to give back from last hack was for a house which is now gone snd this money was for XXXX which is ruined and I have no money to buy my kids gifts or food for dinner. I get that my luck is back snd thats exactly why he did it. His uncle caught him breaking into my daughters room as we slept one night so I know he broke into mine while I slept snd took my card. I told them to feel free and call the uncle! This XXXX memory I will never get back snd I have changed banks as of yesterday but I will not stop fighting for what was mine and stolen from me. They had no right to tell me Im a liability. That is prejudice snd discriminative towards a victim! I am seekin ball monies that were stolen. Bit for this claim the XXXX! I will find a way to fight for the XXXX they refuse to give back! I also want banks to be responsible with their advertising. They cant say our money is safe then when its hacked they blame us and refuse to give back! Thats not being safe thats just wrong!

Company response to consumer: Closed with explanation