BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
Navy Federal sent me the following message regarding a check that was issued to me and presented via my mobile app for payment : We're delaying {$2300.00} of your total deposit of {$2500.00} into your account ending in XXXX, received on XX/XX/2023. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. 

We understand this may be an inconvenience and are sorry for the delay. Please know, the security of your account is our top priority. 
If you have any questions, please call us toll-free anytime at XXXX. You can also send us a secure message through online banking at XXXX, or write to us at : Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX The problem with this is that, no such information exists and this his a outright lie that they have told me. The check literally has a phone number to verify its authenticity to which I called and got a tracking number for the Check. 

Why are they allowed to say inaccurate things without merit and withhold payment yet collect interest at the same time? While the customer is being lead to believe they have real information that is preventing them from cashing the check? 

I have a 5 day hold on my check for no valid reason based on a lie being told by security which doesnt have anyway to be reached or communicated to in anyway and no recourse to dispute or have such information challenged and or corrected or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2022, I had gone to the ER for medical-related issues. Afterward, I had my bill fully covered by my health insurance company. Being said that, I had received a call from debt collection of an unpaid medical bill which had already been paid ( and settled with my hospital & insurance company ) however it had brought my credit score down by XXXX. It had originally been XXXX, which was then taken down to XXXX or so. I've resolved everything with my insurance company and hospital however I still have yet to fix my credit score as this was used against my credit score for no fault of my own. I am trying to apply for an auto loan which I no longer qualify for due to this mishaps due to collections affecting my credit score to an already paid medical bill. Please get back to me when possible. I am very upset by the downfall of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Four Directions Lending LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have gotten repeated calls from 2 different numbers starting with XXXX. They have called me at XXXX XXXX. They have called me multiple times a day. Once they called right back after I denied the call at XXXX XXXX on XX/XX/21. They have called me on the weekends. Today, XX/XX/21, they called me at XXXX XXXX and it is Sunday! Here are the numbers that they have called from XXXX XXXX I also have a voicemail with them yelling in the background about something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal gave {$700.00} to someone who scammed them & me. I did not authorize this payment and they denied my claim. They are dishonest and unfair in their business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: SYNCHRONY FINANCIAL
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:
SYNCB/TJX CO XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion has been wilfully violating the FCRA code 15 U.S. 1681p statute of limitations, Transunion has the documents with he original date of delinquency, and has been reproting the delinquent account past the 7 year statute, the claim that they are, or have investigated the matter to delete the account from family support services XXXX XXXX, the creditor has not responded to the credit bureau about my disputed, and it has been beyond 30 says, nor has transunion credit bureau deleted the account, Transunion is doing everything in their power to keep this account on my credit past statute of limitations, then the CFPB let 's them close out his complaint with no resolution, my next step is to contact the Federal Trade Commission myself and file a complaint, because nothing is being done to transunion to ensure they follow the FCRA, Transunion is close to being sued in federal court if they do not delete this account and quit displaying willful non compliance, ONCE AGAIN TRANSUNION IS ABOUT TO BE SUED FOR NEGLIGENCE. DELETE THIS CHUKD SUPPORT ACCOUNT, IT IS A YESR PAST STATUTE OF LIMITATIONS AND THEY WILL BE SUEDIF IT ISNT REMOVED FROM MY CREDIT! ITS NOT ON THE CREDITOR ANYMORE, IT IS SOLELY ON TRANSUNION. Transunion needs to stop lying, it is not through a third party.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX The company above along with XXXX, Transunion, & XXXX has not validated this debt, XXXX has not provided methods of validation and the debt collection has not provided original contract with financial assistance with my wet signature. 


I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, XXXX XXXX and they have failed to verify that this is indeed my debt. 
I was given no evidence of my obligation to pay this debt to this collection agency.. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 
In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter.

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 2021-11-08
Company: SYNCHRONY FINANCIAL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, SYNCHRONY XXXX, is reporting late, yet it is closed and the balance is XXXX as reported in my credit report. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither comfirm nor erase theis complaints.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly.

15 U.SC. 1681 section 602 A. States i have the right privacy.

15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

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 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 opened a credit card with HSBC bank in XXXX had insurance on this card to cover if I lost my job or was ill. In XXXX I got really ill was unable to pay no help from the insurance part the card was switched to XXXX XXXX because HSBC did away with credit cards so it went to collection. In XXXX I had a collection company contact me I paid XXXX for this account the bank account that I had I no longer have nor is this card on my credit. Now I have a company calling me saying I am being sued over this account that it was open in XXXX which I ask how do cards get reopened when it isn't on my credit report nor do I get notifications. When I called the number I am being contacted from I ask how every 7 to 10 years I am being contacted and it's no longer on my credit and they should look at the collection company that took my money for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been dealing with XXXX over 20 years, and have a full trust. 
I do not use any other charge card other than XXXX XXXX ever since. 
XXXXXXXX XXXX, which I had never heard, deceptively mislead me as XXXX. 
I never signed any user agreements with the bank.The following letter was sent and following emails have been ignored while they keep sending bills ( now {$370.00} ) :

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 2022-11-23
Company: EQUIFAX, INC.
State: CT
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 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: LA
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CITIBANK, N.A.
Product: Credit 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:
It was XXXX in the XXXX XXXX  when someone called for my credit card number plus cv number. Unknowingly, i gave it with my personal info and use it for transactions paying a certain amount. 


The first transaction is amounting to XXXX, XXXX, next is XXXX, XXXX, XXXX and XXXX XXXX I have contacted the customer service and locked my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I deposited a check for {$300.00} into my USAA account via the mobile app. It stated when I did the deposit that the check was going to be placed on hold. None of the funds were made available. I contacted a representative about the check hold later on in the day of the XXXX. She stated that the deposit had to be at least XXXX hours before and to contact them again the next day about getting the hold released or partially released. 

So on the XXXX I contacted USAA. Was told by the representative that the check was placed on an exception hold and that they wouldn't release any of the funds due to charge off accounts with the bank. I have previous employment history with banking operations and I informed her that XXXX XXXX from my understanding stated that an exception hold can only be used if the account has been repeatedly overdrawn ( which mine hasn't ), it's a new account ( which mine isn't ) or I have had other items previously return on my account ( again hasn't happened. ) She then told me that they can hold checks because of old charge off accounts and she has seen them do it since she began working there. However when I inquired about the supposed charge off accounts, she stated she couldn't give me any information and that I had to call another department. 

Then on the XXXX, I noticed the check I deposited had actually cleared my other bank, so I reached out to a representative again. I inquired about if the funds could be released since the other account showed the check already paid. And if I could send proof of that, could they release the hold. The gentleman told me that the funds weren't going to be released and that my check was put on hold due to previous charge off accounts. He told me the last XXXX of the account numbers but couldn't give me any more information. 

I looked up the banking disclosures for USAA. It states the reasons why they can place exception holds on checks. None of which apply to me. So they didn't abide by the XXXX XXXX policy and withheld funds from me that should have been made available. Even if part of the deposit was made available, I wouldn't have an issue. Not only have they failed at treating me like a customer that matters but they have also gone against a federal mandated regulation. If they can say they are using previous accounts as the reason for the exception hold then that needs to be stated in their disclosures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Investigation took more than 30 days

Complaint:
I contacted all three bureau 's, Equifax, XXXX, and XXXX previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.

Company response to consumer: Closed with explanation