BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: VALLEY NATIONAL BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I spoke to XXXX at ext. XXXX. I asked about lates fees that keep getting added to my account but are not on my statements. When I asked XXXX for an explanation for these charges she tried to explain them away but wouldn't offer me details of these charges they are asking me to pay. When I asked for a detailed bill with these specific items on them, she said I would need to pay for that if I wanted to receive it. 

I am disputing this debt. I am asking for detailed explanation of these charges and I would like for the CFPB to look into this. This is not the first time I have had these very same issues with this Bank and I have had issues since they purchased this loan from XXXX XXXX. This is becoming a pattern of dishonest behavior, and I believe I need some help looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I was traveling to the XXXX where I needed to get a Health Certificate from the XXXX government. When I XXXX the health certificate a site came back appearing to imitate the government health certificate website however is was a scam/fraud. The certificate was to be free as I knew it. The website requested my credit card number as reference however never divulged that they would make a large charge for the free service. If they had clearly stated they would make a charge, I would have known it was a scam. I checked several times on the website however the website never disclosed they were going to make a charge on my credit card for {$140.00} on XX/XX/2022. In matter of few minutes, I checked my credit card a charge was posted then I realized I was scammed. The health certificate website looked like official government website. Other private website would state clearly at the beginning of the webpage that they are not a government agency. However this site pretended to fool people to believe you are on a government website to scam people out of money when the actual health certificate is free from the XXXX government. I contacted my credit card company, Chase who claim I can dispute but would not credit my account for fraud. They were suppose to mail me a dispute form however never arrived. When I received an email from Chase asking me to respond, I did fill out the form and faxed it back to the dispute form to Chase. As of today, I have not received credit for scam/fraud purchase and Chase has not responded to my dispute form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account number XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, 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 an account without my written instructions.

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 2021-10-11
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself there IS NO THIRD PARTY INVOLVE. On XX/XX/2021 Navy Federal Credit Union received a letter from me stating '' I am invoking my specified remedy as a consumer, and the original creditor, requesting Documentary evidence that Navy federal was in fact the holder in due course. '' along with ceasing any attempts to collect any alleged debts. NAVY FEDERAL NOT ONLY FAILED TO PROVIDE DOCUMENTARY EVIDENCE, NAVY FEDERAL CREDIT UNION ALSO CONTINUED TO CONTACT ME, COMMITTING MAIL FRAUD, ALONG WITH CLOSING MY ACCOUNT IN XXXX. Which places NAVY FEDERAL CREDIT UNION in violation of 12 CFR 1026.13 ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor XXXX be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. NAVY FEDERAL NEVER RECEIVED EXPRESS WRITTEN CONSENT FOR ME TO CLOSE MY ACCOUNT. I also have a voice recording of Navy Federal Credit Union representative stating that received my letter XX/XX/2021. I also have evidence of Navy Federal Credit Union violating 15 U.S. Code 1692c. Navy Federal has also violated 15 U.S. Code 1681 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeany authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Leading to a violation of 15 USC 1692d ( 1 ). Any bad debt furnished on your reports is ruining your reputation, and it is defamation of character. 
This is just a few violation Navy Federal Credit Union has abused me with. I will be sending mail along with evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an order with XXXX for {$140.00} with my XXXX XXXX account # XXXX on XX/XX/XXXX. Barclay card acquired XXXX card on XX/XX/XXXX and assigned new account number # XXXX to me. I was notified by Barclay that the former XXXX card can not be used for purchase after XX/XX/XXXX but it can be used for process refunds, and credits for refunds will be transferred to new Barclay Master card ending # XXXX. 

This {$140.00} order was a buy online pick up in store order which requires customer to pick up the order within 7 days. I did not pick up order in store within 7 days, the Bloomingdale 's store processed the refund on XX/XX/XXXX for {$140.00} to the same XXXX visa account # XXXX which I used for purchase. 

However, Barclay did not transferred this credit to my new Barclay XXXX account. I called Barclay customer service and dispute department on XX/XX/XXXX, after waited 1 and half hour on phone, the Barclay rep told me I can not dispute this charge until after XX/XX/XXXX since conversion from XXXX to Barclay is expected to complete on XX/XX/XXXX. I requested to speak to a manager, the rep told me a manager will call me back. 

I also contacted the merchant XXXX online customer service, the merchant told me that they had to process the refund to the same credit was it was used for purchase and it is Barclays responsibility to transfer the credit and refunds from XXXX card which they acquired to new Barclay account. 

On XX/XX/XXXX, Barclay manager XXXX called me and told me that he will forward this dispute case of {$140.00} to Barclay Dispute department so I dont need to pay. However, XXXX said Barclay Dispute department will not process it until XX/XX/XXXX when the conversation is complete. XXXX further said once the dispute is processed, Barclay dispute department will forward me the dispute case number and give me a credit to my statement. 

Today is XX/XX/XXXX, I still did not receive this credit of {$140.00} on Barclay XXXX account and Barclay did not contact me to provide any dispute case #. I tried to call again, but its only reached machine and long hold time. I also tried to file dispute online at Barclay website, but Barclay website says this type of dispute doesnt qualify for online filing!!! 

Please review attached email from XXXX confirming they processed refund and my order status on the merchants website indicated the order to total is {$0.00} and I didnt receive the merchandise.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 following account is not mines nor am I accountable in any kind of way for this, this is un known to me and not my responsibility please remove it. 

1 ) 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 explanation
Consumer complaint received 2021-10-10
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX and XXXX say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and XXXX are the same while XXXX is no showing XXXX. XXXX and XXXX are reporting as auto loan and XXXX is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed

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 2021-10-09
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was just made aware Discover Bank closed two of my checking accounts, I was told was due to an overdraft fee in one, that I was unaware of, as well as not informed. I was not informed ( I did not receive an email, mail, a message through there Secure Message Center or a phone call ) of my accounts closure as well as why my account was overdrawn. I was unable to resolve the matter after being on the phone for an hour and 40 minutes speaking to several supervisors. I still have not received any documentation of this matter. One checking account had over {$100.00}, I was told by, the supervisors, that there was an overdraft balance in another account. The bank used the account with money to resolve the balance. I was not aware of a balance and I did not overdraft my account. I was told my account was previously closed and the supervisor XXXX told me that they do not have records of sending me notice through email or their secure message center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX XXXXt, account number # XXXX. Also, the debt amount owed by XXXX XXXX XXXXXXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on XXXX XXXX XXXX  which is another inconsistency with my credit report. 

In accordance with fair credit reporting act XXXX  XXXX Account, account number # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: National Credit Adjusters, LLC
State: MS
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 previously contacted the companies and listed with documents below the mentioned accounts are fraudulent. I have contacted the data furnisher and asked them to remove these accounts please check and fix this issue : ACCOUNTS : 1. XXXX/XXXX  2.XXXX XXXX 3.XXXX 4.XXXX/XXXX  5.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today, XX/XX/XXXX, I received a letter from Navy Federal Credit Union requesting that I pay a debt of {$5400.00}. However, I have no knowledge of where this debt has came from. Upon checking my Credit with XXXX, I can see that the Navy federal account, along with XXXX other accounts were all maxed out and unpaid. The Navy Federal account was opened in XX/XX/XXXX ; I'm guessing it was by my mother because I didn't open my first debit card account until XXXX of XXXX. When I did open my debit card account with XXXX, my mother told me that I would be " on her credit '' and that she would hold onto my cards. When she told me this, I had just turned XXXX and knew relatively nothing about credit. Moreover, I just assumed it was similar to having a student banking account. I suspect that she has been using my credit for her own sake. When I moved away from home to start college at XXXX in XXXX, I still didn't have access to these credit cards. While she had them, I can see that she was paying them off on time up until XXXX. We had a falling out and my parents left me to provide for myself. Because they were paying my phone bill and stopped so suddenly, I had to save up for a new phone ; I ended up losing her contact information. My mother also blocked me on all social media, leaving me with no way of contacting her on the matter. After this falling out the cards associated with my name have all were maxed out and haven't been paid off since. I have tried to file for identity theft this past summer and have spoken to my XXXX about the situation ; however, I don't think it filed it correctly. Just for informational purposes, the other XXXX accounts were : a XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), a XXXX XXXXXXXX XXXX XXXX  ( opened XX/XX/XXXX ), and a XXXX XXXX XXXX ( opened XX/XX/XXXX ). There is also an XXXX card under my name that has been terminated and that I didn't open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been with NavyFed for 8 years and have never been treated so poorly by any other institution in my life. My current NavyFed is located at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. 

On XX/XX/2021 our state Governor lifted the mask mandates making masks a recommendation not a requirement. On that same day I went into my branch to make a deposit and was met at the door by the branch manager who immediately demanded I wear a mask. I said no thank you and she immediately became very aggressive and yelled You wear a mask or you DONT come in! At this point I obliged and put the mask she offered on. She then stands off to my left staring at me and begins to harass and belittle me in front of other members. 

By this point I became upset and said close my account and left the building. This is when she started to damage my credit and anything else she had the power to do by reporting to the credit bureaus missed payments for a debt over 7 years old that should be off my credit report. I few weeks later I received a letter from NavyFeds physical security dept threatening me in an attempt to intimidate me from disagreeing with her.

This same women has also harassed other NavyFed members in front of everyone in the building, ONLY hires females and hates all military personnel and freedom. Its sad to see an entity claiming to be military friendly but then hiring people like her who treat our nations service members and veterans like this. 

To go out of the way to cause harm to consumers who do not agree politically with her or NavyFed is unethical and UnAmerican. 

I have in possession my credit report the threatening letter to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief