BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 I made out check # XXXX to XXXX XXXX XXXX, for {$1100.00}. On XX/XX/2018 my Bank deducted amount from my checking account on XX/XX/2018. The back of the check indicates it went into, NAVY FCU XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX. 
I have called XXXX, 3 times, spoke to a XXXX. My daughter-in-law went to the credit union in XXXX VA. They insist they did not received this money. My Bank official XXXX XXXX XXXX also called this number an got the same answer, My bank has filed a Affidavit of Unauthorized Paper Drafts 0n XX/XX/2018. NO ONE KNOWS WHERE MY {$1100.00} debit went. I need help, I am XXXX years old and was just trying to help my Son and Daughter-in-law out on a fixed income

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sending to submit a follow-up complaint concerning the account XXXX XXXXXXXX. This account was previously reported as repaired, but it has once again displayed inaccurate late marks in its payment history. I kindly request the correction of the information associated with this account by the three major Credit Bureaus. The account details are as follows : Experian : XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX : XXXX XXXX Balance : {$48000.00}. I will be updating my credit reports with the three major Credit Bureaus within 15 days, and I kindly request that this specific account be promptly updated to reflect accurate information.

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 2023-04-28
Company: EQUIFAX, INC.
State: GA
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:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX is reporting inaccurate information on my Equifax credit report. I have requested numerous investigations into this matter, one as recently as XX/XX/2023. I have not received any communication regarding this matter which is a violation of the law mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: MI
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:
All accounts are fraud. 

-XXXX  XXXX XXXX XXXX XXXX XXXX {$1200.00} -XXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: NC
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 a victim of 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Repeatedly, unexplainably blocked canceled erased deleted, and or hacked suspiciously with some sort of malware phishing, scams and other security breaching tools that have plagued me for years and have no results with both automated online mobile and customer service request.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian/XXXX credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 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 2022-01-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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 status incorrect

Complaint:
This is the third time I'm reaching out to Rushmore Loan Management LLC about correcting the credit reporting on this account. I was told to wait 46 days from the previous correspondence dated from XX/XX/XXXX. I was told this would be updated and if not to send a copy from my credit report showing the account was reported late. I have attached a copy of my report showing account is still reported late even though correspondence form a XX/XX/XXXX letter indicated I was approved for a modification and the trial period would start XXXX. Also, previous correspondence stated that all credit reporting would be suppressed until XXXX, which apparently that didn't happen. I really insist that this get updated immediately since I have been told previously this was sent to all three-credit bureaus. This has caused my credit score to drop by XXXX points. I also made a payment to Rushmore in XXXX before the loan was transferred to XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wire Instructions : This CFPB claim shall constitute written wire instructions directed to American Express executives XXXX XXXX and XXXX XXXX. 

Dear American Express, XXXX XXXX, and XXXX XXXX, In your written correspondence dated XX/XX/2023, you acknowledged receipt of a negotiable instrument for {$12000.00} that was applied to American Express green card account number XXXX. 

This negotiable instrument had redemption rights as a security under CUSIP numbers 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 

Pursuant to my rights as a beneficiary to the aforementionedCUSIP numbers under Phyllis Horace v LaSalle Bank National Association which are equivalent to those of a shareholder or investor in the trust, I instruct you to present the aforementionednegotiableinstrument for redemption to American Express 's contact at the XXXX XXXX and XXXX XXXX as well as to the indenture XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under their routing XXXX and give them the aforementionedCUSIP numbers to specify which accounts the negotiable instrument is drawn upon. I further instruct you to credit the funds drawn from these CUSIP numbers to American Express green card account number XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Andreu, Palma & Andreu, PL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
apparently XXXX XXXX XXXX, AFTER I paid a settlement of XXXX dollars sold the account to XXXX, who got some type of judgement against me in XXXX  of which I was never notified. They hired one law firm to harass me and after complaining that firm dropped it, Now they have hired XXXX, XXXX, XXXX & XXXX who are now threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2022-12-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
This is a slightly complicated issue, so bear with me : I had a XXXX XXXX years ago through Barclays Bank. I paid off the balance and closed the account back in 2018, and destroyed the card. XXXX balance, closed account. 

Sometime this summer, Barclays accidentally mailed us a check for {$2800.00}. We thought it was related to something else that we were working on, a different transaction with a different company. We deposited the check and directed the funds to an expense. 

This Fall, in XXXX, Barclays informed me that there was an error, and that they were placing the erroneous balance of {$2800.00} that we were accidentally sent by them, onto my closed credit card account. The closed credit card account now has a balance of {$2800.00}, and less now since we have made one payment through Barclays website. The balance has a high interest rate. We would like to use one of our ZERO interest cards to move the balance away from Barclays, and again, have this account eliminated. 

Here 's the problem. We only have the last four digits of the credit card, even when we go into Barclays website to make a payment. We can not do any kind of balance transfer unless we have the entire credit card number, expiration date, and security code. We have none of this information. We can only make payments. 

I called Barclays today and requested that they 1 ) reopen the account and send us a new card or 2 ) provide us with the information associated with the credit card or 3 ) provide us with some other way to access this account so that we can move the balance somewhere else. Even after escalating to a supervisor, I was told that they can not help us with my request. I was informed that the only option we have is to make payments to the currently closed credit card account that now has a balance on it. We get no statements, we have no credit card number - only the last four digits of this credit card that we paid off, closed years ago, that now has a new balance on it because they accidentally mailed us a check for {$2800.00}. 

Listen - My wife and I have no problem with paying back money that we mistakenly accepted, even if the check was sent to us by accident. I am only asking for a way to have full access to this closed account so that we can apply a different payment solution than simply paying them payments on their website, with their ridiculous interest. Frankly, I believe they are scamming us a bit by forcing us to pay their interest and not reissuing a card. It's a closed account. Why were they able to put a balance on it, but they can not give us access to the account information?? That is really XXXX. 

I hope you can help us resolve 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 2023-04-28
Company: EQUIFAX, INC.
State: VA
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:
Metro 2 Compliance Standards. This is my third attempt to solve this matter the 4 Main credit bureaus work for me and I want the two late payments reversed to ok, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquires do not belong to me and I do not recognize them please delete them. I do have accounts however the inquires from them below are not mine and since I do have some accounts with them XXXXXXXX XXXX refuses to remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-05-27
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to the company Speedy Cash on XX/XX/XXXX to request verification and validation of debt to reach an agreement to pay and as of today they have not responded of called to speak with me on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a care credit through Synchrony bank back ion XX/XX/XXXX. At that time they started taking on some sort of fee called card security which i at no time signed up for. I called them in XXXX and last year XXXX and ask them to stop charging me for this and to cancel. Both times they said it was canceled but yet they have continued to take between XXXX and XXXX dollars out each month for this service which comes up to about XXXX bucks for at least two of the years and XXXX the first year. I am getting no where with trying to resolve this through them so that I can get my almost {$600.00} dollars back that has been stolen from me. I NEED this resolved and my money back.

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 2021-12-29
Company: ADP Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
My previous employer used ADP payroll processing, which also administered our 401k accounts. A few months after leaving the employer, ADP rolled over my funds to an IRA XXXX XXXX, a third party, without any disclosure or my consent. Furthermore, they charged a {$50.00} fee which was almost 10 % of the account balance. Nowhere in their provided disclosures did they communicate that this would happen. I had to spend more than an hour on the phone just to find out where my money went. 

When I spoke to the representative, the company admitted fault. The representative told me that they were supposed to have contacted me, but don't know where the process broke down on their end. Since they admitted fault, I asked for a refund of the fee, but they refused to provide it. 

Furthermore, XXXX XXXX is charging a fee of {$25.00} for transferring the funds to my preferred broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Card Fraud Claim Claim date XX/XX/XXXX says TEMPORARY CREDITS to your account in amount of {$470.00} ( THE TEMPORARY CREDITS have been made PERMANET. ) XX/XX/XXXX Statement attatched show {$560.00} TEMPORARY CREDITS they list as ADJUSTMENT PURCHASES ( beginning USAA fraud investigations ) And XX/XX/XXXX. Statement attatched TEMPORARY CREDITS listed as ADJUSTMENT PURCHASES show {$1.00}, XXXX total TEMPORARY CREDITS both months = {$2300.00} The CREDIT CARD FRAUD CLAIM letter claim date XX/XX/XXXX attatched shows {$470.00} TEMPORARY CREDITS and {$470.00} PERMANET CREDITS. 
If TEMPORARY CREDITS MUST BE MADE PERMANET What will the PERMANET CREDIT APPEAR AS ON STATEMENTS? I've never seen any PERMANET CREDITS TEMPORARY ONES SAY ADJUSTMENT PURCHASES. WHAT DO PERMANET ONES SAY? 
Please give dates of all PERMANET CREDITS. I am looking for {$2.00}, XXXX plus the {$470.00} from XX/XX/XXXX Credit Card Fraud Claim letter. 
I spoke with XXXX USAA REP today and asked How will I recognise PERMANET CREDITS? He said, they will be the TOTAL CREDITS FOR THIS PERIOD AMOUNT. XX/XX/XXXX that amount TOTAL CREDITS was only {$450.00} which included my credit payment of {$77.00} and XX/XX/XXXX TOTAL CREDITS were only {$910.00} There are NO USAA PERMANET CREDITS EVER ON MY ACCOUNT Where are the rest of credits due me? 
USAA has KNOWN THIS IDENINTY THEFT I REPORTED AS SUCH XX/XX/XXXX USAA COLLECTION LETTER attatched I have never had a card ending XXXX AND USAA BREAKS THE LAW There are statues against collections of Ideninity Theft USAA THINKS THEY ARE ABOVE THE LAW USAA OWES ME THE CREDTS NEVER MADE PERMANET They total. {$4.00}, XXXX USAA HAS KNOWN FOR 2 YEARS THIS IS IDENINITY THEFT USAA IS SUPPOSED TO BE ZERO LIABILITY I have been held liable for fraud 2 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Credit Karma, LLC
State: VA
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:
Credit karma and XXXX Ive disputed wrong names and social security number and inquires that arent mine they refuse to move them and credit karma tricked me into saying I was approved for a card then I applied and my XXXX XXXX dropped

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: JPMORGAN CHASE & CO.
State: GA
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:
Company didn't remove unauthorized/fraudulent hard inquiry from credit report like they stated. It's been months and it's still on my credit report.

Company response to consumer: Closed with non-monetary relief