BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
I received a letter from Navy Federal Credit Union dated XX/XX/XXXX, which indicated that my credit card balance exceeded my approved credit card limit. They requested that I remit a {$260.00} to bring my account balance within my approved credit limit. The problem I have with Navy Federal is that I have never gone over my approved credit limit. In this particular case I had at least {$400.00} ( or a little more available to use ), I made 3 purchases two on XX/XX/XXXX, and one on XX/XX/XXXX all below or NOT OVER the credit limit. On XX/XX/XXXX, Navy Federal charged 3 times interest for purchases, transfer balance and interest ( {$10.00}, {$250.00}, & {$4.00} ). My concern is not these amounts or the interest as I know this has to be done. But it put my credit limit over and this is NOT my fault - I stayed in the limit and not over but when Navy Federal added in the interest it went over and it looks like its my fault and this is reported to the credit reporting agencies and this is not fair. 
I called Navy Federal with my concerns and received no satisfaction other than the fact they said the " overlimit '' would be reported. 
This I feel is an abuse and an unfair practice. Requesting assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Your continuous inaccurate reporting is severely damaging my financial character. You are reporting information to my consumer report without permissible purpose. I have never provided you with explicit consent to communicate with me in regards to a collection of any debt. Follow reasonable procedures in good faith, Failure to comply will result in a private right of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-05-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a letter from a debt collector company, Convergent, on XX/XX/XXXX claiming I owe XXXX XXXX {$190.00} and showing me a 15 digit account number. Problem is I can't verify my account number because my account doesn't exist in XXXX 's database, and my billing statements never displayed my full account number.

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 2022-08-15
Company: Coinbase, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022 I transfer {$330.00} from my personal checking account to my Coinbase prepaid debt card. Coinbase received the funds from my checking account on XX/XX/2022. 
Coinbase is holding that {$330.00} dollars, Coinbase is not giving me access to it. The {$330.00} was never applied to my Coinbase debt card. I called them XX/XX/2022 several times. The Coinbase reps told me that for security reasons my {$330.00} was placed on hold until XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have access to the funds. I want my money, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: CITIBANK, N.A.
State: PA
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 was charged XXXX to my CitiBank credit card from XXXX in early XXXX. I disputed the charge, which I didn't make, almost immediately. The company initially removed the charge but notified me today, XX/XX/XXXX, that they were reapplying the charge to my account because they received evidence from the vendor that the item was delivered to my home. ( The charge was actually reapplied to my account on XX/XX/XXXX ; I suspect they didn't notify me until today so that no one would be available to respond to my complaint because of the weekend and holiday. ) I don't know what this evidence is- I did not purchase any merchandise from this vendor for this amount. ( The last XXXX purchase I made was in fall of XXXX for approximately {$40.00}. ) I called the fraud division today and held for 10 minutes before the call was disconnected ; I later learned that the office was entirely unstaffed today, so my time holding was a waste and a ruse. Then, I called the dispute department and spoke to a representative named XXXX. I asked to speak to his manager, and he kept me on hold for approximately 10 minutes, telling me the time to speak to a manger was 15 minutes. When I asked why the wait time wasn't going down, he told me that no managers were in the office, that I would not be able to speak with a manager, but that he had been instructed to tell me I was in the queue for a manager until I got fed up and hung up. This company has stolen my money and time and disrespected me every step of the way- please help me get my money back, and please encourage them to change their business practices to treat customers with basic honestly and respect.

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 2022-12-16
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this the disputed account is updated. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the consumer reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. I requested that Chexsystems relay who they spoke to, alleging they verified the accounts, and to send me the wet signature of every contract listed. They've refused to do this! I will pursue {$1000.00} per violation, per account, in addition to actual damages suffered. I've not been able to open an account due to Chexsystem refusing to correct my consumer report.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX 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 2023-07-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-01-01
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SOUTHWEST CREDIT SYSTEMS, L.PXXXX contacted me by phone 2 months ago saying that I owed them {$790.00} dollars for a XXXXXXXX  phone bill that was 7 years old. I told them. I typed up a letter and sent it to them via certified mail requesting proof that I owed them. I also requested they send me the origibal contract with my signature. I mailed the certified mail int he beginning of XXXX. I have not heard from them again, However they reported to the credit companies and now I have this ruining my credit which cause my credit score to drop significantly. I also disputed with XXXX which deleted it but as of XX/XX/2022, XXXX placed it back on my credit report which caused my score to drop again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: Information belongs to someone else

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX : XXXX XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XX/XX/XXXX : XXXX XXXX INQUIRY XXXX XX/XX/XXXX : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is unlawful to report inaccurate information on my credit report. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  repeatedly publishes inaccurate information and has forced me to sue in state court. You ignore all evidence repeatedly, u fail to provide me with the docs they gave u to affirm their inaccurate publications, u allow and protect their inaccurate credit reporting willfully and aggressively against me. The debt XXXX continues to affirm is a mortgage loan that was induced by fraud and thus is void at the execution and the law does not allow to be affirmed with payments. Despite this XXXX knowingly and intentionally applied money from check XXXX {$79000.00} into a principal reduction of the loan. Then XXXX took out the money that lowered my principal {$73000.00} and applied it to monthly payments to increase my principal over {$20000.00} and pay themself that amount. You have failed to get proof they paid my home ins XXXX XXXX, you have failed to get proof that the loan was not canceled within the statutory period, you have failed to get proof that I EVER made a payment to this loan. But for some reason you think you can ignore that proof and just keep sides with the inaccurate publication. I dispute the enforceability of this debt so you must do the minimum and get proof that I did not cancel with the three day statutory protection I have. That means you must obtain at the least proof from the company that they or some other person EVER delivered to me the statutory cancel docs. You can not get that proof because those docs were NEVER delivered. The loan was canceled. The evidence proves it. You failed to get proof that I ever got those two written cancel docs accurately filled out. The face of the docs even have the wrong address and include the house across the street. They are facially inaccurate but u ignore that. You dont care. U use any other means of affirming this debt. U use means above and beyond reasonable means to ignore my evidence and side XXXX the company. That is not for u to decide. U must not ignore my proof. You must get proof from the other side that I failed to cancel this debt within the statutory time. Next they will say I owed more money. WRONG!!! I sustained financial injury as a result of the fraudulent inducement for 6 months of this mortgage. That is not for this co to decide or you but a court. I paid back all money per contract terms. The amount in disput is an unliquidated debt that is in despite. U dont get to decide to enforce this debt or publish it as accurate when the very foundation is in dispute. U have a standard of care and you are well below that standard of review. Fix this and remove the debt 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