BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TRANSUNION BROKE THE LAW and is violating me as a federally protected consumer under 15 USC Chapter 41. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. Attached is a recorded phone call I I had with a supervisor from the dispute department on XX/XX/2022. AZ is a one party state so I did not have to let them know I was recording. In this audio, you can clearly hear me exercising my rights and this employee is not complying. They are giving me a hard time and ignoring what I was saying. I told them I never gave them written consent to furnish this account on my credit report. He told me that the credit card companies are to report to them when credit is applied for. This employee kept telling me that we were say the same thing. Which we weren't. I said nothing about that. I said I never gave them, TRANSUNION, written consent to furnish the XXXX XXXX account on my credit report violating 15 USC 1681b ( 2 ). This has nothing to do with the credit card companies reporting to them. Reporting and furnishing are two different things. To further emphasize this, I state that TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). This law states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. Yet it is on my report? None of their policies supersede the law. In accordance to law and what was stated in the Affidavit of Truth sent, an investigation period does not stop the account from being removed and had nothing to do with the violation I stated in the affidavit. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to 15 USC 1681c-2, they had 4 business days to take it off. TRANSUNION is violating my rights and is to be held accountable for their unlawful actions that have caused me 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 explanation
Consumer complaint received 2023-05-31
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello - This is following up with another complaint about complaint XXXX filed on XX/XX/XXXX. Navy Federal Credit Union did not respond to let me, or the CFPB, know when they allegedly told me I owed them {$12.00}. I never received an email. I never got a text. I did not receive a phone call. I was never sent a piece of physical mail. It is the law that Navy Federal must contact someone if they claim they owe money. I was never contacted. All of my documentation - 20+ pages - of records of phone calls, mail scanning, etc is all attached to the first complaint. Navy Federal never told me I allegedly owed them XXXX and so they reported it to the credit bureaus and ruined my credit. Now I can not buy a house. 

See the complaint response from Navy Federal below. I called them yet again today ( XX/XX/XXXX ) at XXXX ( XXXX ) and was eventually transferred to a supervisor. After telling him of my problem and how I've never been told when Navy Federal let me know of this XXXX I owed, nor did they address it in the CFPB complaint, he hung up on me. So it seems you definitely can not contact that XXXX number at anytime as no one was able to assist me and when I got someone on the phone, he hung up. 

THE ORIGINAL COMPLAINT RESPONSE FROM NAVY FEDERAL BELOW. NOTE THEY NEVER SAY WHEN THEY LET THE CUSTOMER KNOW OF AN ALLEGED XXXX DUE. THAT'S BECAUSE THEY NEVER LET THE CUSTOMER KNOW BEFORE REPORTING THE XXXX TO THE CREDIT BUREAUS AND RUINING HER CREDIT SCORE The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederaXXXX member XXXX XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that on XXXX XX/XX/XXXX, our member made a payment in the amount of {$3900.00} to her credit card account ending in XXXX. Our members credit card statement issued on XXXX XX/XX/XXXX indicated a balance of {$12.00} due by XXXX XX/XX/XXXX, and the payment was not satisfied until XXXX XX/XX/XXXX. The account is closed and has been paid in full. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal credit card account. We will not request the removal of valid data from her credit file. Should XXXX XXXX have any questions, she may contact us toll-free anytime at XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute for unauthorized transactions with bank of a america on XX/XX/2022. For {$6000.00} multiple claims they said they had to in order to file the claim. So it was split up {$3000.00} and {$3000.00} I got a 7 day investigation when they advertised up to 10 business days. Was told claim not paid and will not be paid i want to sue this company. It has been a full 30 days of me just getting the run around on why I was told claim not paid to transactions I didn't authorize I have been evicted from my home couldn't pay my catlr note couldn't pay my phone bill all my resources was in the money that was stolen from me. Bank of america ask of me to send in any proof I have that could help them re open the claim there a huge scam. They allow u to bank with them but when your money is stolen due to you loosing your card depending on the amount of cash they won't investigate it properly as there policy says I got 10 days investigation on {$180.00} claim before this XXXX claim they also provisional credited the XXXX to my account on the 10 business day of that claim. So how does XXXX only go 7 days on the investigation in return also the customer loses there claim its not paid then there's no way to take action and get my money back it's just gone. 
I have attached a bank statement showing my account in standing of {$7000.00}. So you can see I clearly have been robbed of my claim for $ XXXX bank of america XXXX 
Here 's the claim numbers 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 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Report Number XXXX XXXX XXXX XXXX There is an account from XXXX XXXX XXXX on my credit report. I have continuously tried to dispute this account with Experian. Each time they continue to verify the account and keep it on my credit report. I have spoken with XXXX XXXX XXXX a number of times and they are not able to find an account for me. It is hard to fix this, because Experian is able to verify an account that I am not able to verify with the original creditor. 

When I call XXXX XXXX XXXX and give them the account number, they inform me they are not able to find my information on the account that Experian is reporting. Most notably, the Social Security Number is different, along with the address. 

My credit file has in the past become confused with somebody else. Experian needs to fix this.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under 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 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to Transunion ) XXXX XXXX XXXX  XXXX ( Reported to Transunion & XXXX ) XXXX XXXX, ( Reported to Transunion & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX these items have violated my rights. 
In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2018-05-24
Company: CITIBANK, N.A.
State: MN
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:
Hello. on XX/XX/XXXX I purchased 6 used computer Graphic cards in the total amount of {$1900.00} with my Citi credit card but when I received my cards I found one of them had a physical damage, I immediately contacted the seller, and she mentioned that they don't have a problem and offered me a {$100.00} refund, I trusted her and accepted the offer, after that I decided to check all of them and realized that none of them had out put signal, then I sent a message to the seller and wanted to return them but she didn't accept my request, I also took the graphic cards to a licensed computer shop and was told that their bios have been destroyed, therefore on XX/XX/XXXX I disputed the amount with Citi but they never resolved the problem, and the decision was in the Merchant 's favor without a reason.

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 2023-05-31
Company: W&A Intermediate Co., LLC
State: FL
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:
Wakefield & Associates Have Two Derogatory Statements That Have Impacted My Credit Report And Stopped Me From Obtaining Credit Cards And Any Thing That Credit Offers My Score Has Dropped XXXX Points And It Has Reiund My Score Wakefield & Associates XXXX Wakefield & Associates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: FL
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 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 2023-05-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I bought a diamond wedding ring and the diamonds fell out the ring. The ring was in the stores possession for around 6 months. I got a defective product. I should not have to pay for the months their company had my ring in the repair shop. Zales did not sell me quality merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had auto-debit set up from my EverBank checking account to pay my EverBank mortgage payments. Without my knowledge/authorization, EverBank erroneously debited from my EverBank Money Market account instead of the EverBank checking account and drained the Money Market account. Once the account was drained, EverBank sent me a late notice for my mortgage payment. On XXXX XXXX, 2016, I called EverBank to straighten out the error. EverBank reversed all charges and put all money back into the Money Market account and pulled the charges from the correct EverBank checking account. BUT they said they were still going to report the late payment to the Credit Bureaus, even though it was their error. I want my Credit Reports corrected to show no late payment. If you look at my Credit Reports, you will can see that I had a perfect, on-time payment record on all my mortgages up until EverBank made this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I mailed XXXX XXXX XXXX XXXX XXXX an initial letter requesting full debt validation of the alleged debt in question via Certified Mail. XXXX XXXX XXXX XXXX XXXX received my initial letter on XX/XX/2023. 

After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX received my second letter on XX/XX/2023. 

After waiting for an additional 30+ days, XXXX XXXX XXXX XXXX XXXX failed to send their responses. 

As a consumer, it deeply concerns me that despite my written disputes and the absence of proper debt validation, XXXX XXXX XXXX XXXX XXXX has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity. This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. 

I do not know who XXXX XXXX XXXX XXXX XXXX is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed are reporting inaccurately on my credit report and are not in compliance. XXXX XXXX, XXXX, and Equifax are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the items list

ed below. this is the 3rd investigation, these accounts were never updated properly. I WANT TO REQUEST ONLY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :  XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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 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 2023-05-31
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit at the ATM branch of Bethpage Federal, credit Union in XXXX, New York on XX/XX/2023. The ATM ate {$220.00} of my deposit and rejected {$55.00}. My grand total deposit was for {$1100.00}. I went into the branch deposited the {$55.00} that the machine rejected and told the teller about the {$220.00} the ATM ate. She ended up giving me a provisional credit. Then on XXXX XXXX XXXX  bethpage Federal credit Union reversed the provisional credit to my account. They completed an investigation where they denied my claim saying the ATM was balanced, and no discrepancy was found. The bank did not notify me that they denied my claim. I have never received a letter in the mail and I only found this out today XX/XX/ because I was depositing money into my childrens XXXX accounts associated with my savings account. The teller printed me out a piece of paper that was dated from XX/XX/ that I repeat I have never received in the mail. Their investigation is completely wrong. I know what I deposited. I know what the total was and I want them to pull up cameras from the ATM. Nobody will speak to me and I can not get anybody on the phone from the operations department at Bethpage Federal credit Union.

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 2022-12-06
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$7100.00} ; XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: PNC Bank N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX. 2022, I called XXXX XXXX support because of a problem with my computer. The first agent said he needed to transfer me to another agent. The second agent worked on my computer remotely and said I needed a XXXX upgrade which cost {$290.00} which was good for 2 years and then I would have to pay again. I gave him my PNC Bank credit card info for the service. I went into my account and noticed a {$300.00} charge to XXXX and 2- {$100.00} XXXX XXXX cards which I didn't recognize. I was having the same problem with my computer so I called XXXX XXXX and told them my computer wasn't fixed and told him about what had happened previously. He said that my XXXX XXXX XXXX with XXXX XXXX covered their services and I should not have been charged and he fixed my computer. I then called PNC and told them to cancel my card and issue a new one and told them about the fraudulent charges. PNC went back and forth on relieving me of responsibility for the charges. At first they took off the 2- {$100.00} charges, but not the {$300.00} charge. I called them and and got them to take off the {$300.00} charge. Then it showed back up on my next statement and I called again. They said it was under review and they would contact me. They sent a letter saying that they weren't going to relieve me of responsibility of the {$300.00} charge. They said they needed more evidence. I had made a report about the fraud to XXXX XXXX the day after when I called about my computer not being repaired. Since that time, I have called XXXX XXXX approximately a dozen or more times trying to get the report or have them take responsibility and no one will send me the report that they took or let me speak to anyone about fraud. I have also went to XXXX XXXX 's online forum and got similar responses. No one will accept responsibility. I would like PNC Bank to be held responsible for fraudulent charges to their bank cards.

Company response to consumer: Closed with monetary relief