BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On the morning of XX/XX/2022 at approximately XXXX after a week, of trying to request a letter from Navy Federal Credit Union about a PAID IN FULL letter, I was instructed that if I went to the nearest facility, which is located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX, that the letter that I requested going on a month would be at that branch. I drove to that branch on the morning of XX/XX/XXXX, at XXXX and walked in the branch and spoke with a gentleman by the name of XXXX, who stated that he was the Branch Manager. I told him why I was there, and he instructed me that he would have to sign me in and that I would have to wait for a Representative, and to take a seat in the lobby. I said well the letter should be here, its just a letter that is impeding my employment, and this was the 5th time that I have visited this branch for the letter, and numerous phone calls. Don't get me wrong I was upset due to the fact that is one particular piece of paper that I needed is impeding my employment, and have asked numerous times for it, and was told that it was at the branch, wasting gas to drive back and forth out of my way to this branch. I sat their not happy, and was having a conversation with a lady that was in the same branch of service at the same time as me, and we were just talking about " XXXX XXXX XXXX XXXX' This gentleman XXXX XXXX had the fortitude, to walk up between the lady ( another customer ) and I and start explaining to me about this particular letter, and what it was concerning, to include what the letter was about, and where is was coming from, including financial monies that was included in this particular letter. I was XXXX XXXX and XXXX  I asked him was his name was and at first he told me, that he did not have to tell me what his name was, and he asked me to leave, I looked at him, and said " I want your name, and I will leave '' He stated that his name was XXXX, and that he was the Branch Manager '' I used explicit word because for him to shout my financial information in a public lobby with 40-45 people in this small branch, was uncalled for, and not professional and to me, that was illegal. You don't talk about someone's finances to the whole branch, including employees and customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2022-04-20
Company: V and H Portfolio
State: OH
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 am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX. I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.

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 2023-06-21
Company: EQUIFAX, INC.
State: TN
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with a representative with this company on XX/XX/2023 regarding them reporting false information to my credit report. I was told by the representative that the information is correct and accurate. I ask the representative to provide me with the original contract and I was told that he do not have to provide that information and that they will continue to report until I pay a balance that I never received from this company. I never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charged numerous overdraft fees Wells Fargo was manipulating dates to charge fees and also charged an overdraft fee on a transfer of funds between my two checking accounts with them. I called and they Claims I didnt have the money to transfer. Which if I didnt, I wouldnt have been able to transfer the funds!

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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:
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. 

Account name:XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # 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 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 2022-02-02
Company: EQUIFAX, INC.
State: NJ
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my application for PSLF based on federal employment in XXXX 2022. I received a notice in the mail approximately XXXX 2022 stating that there was additional information required. Due to the length of time it took to receive the notification in the mail, it was outside of the window to provide an update, and required a new application, which I submitted via fax XX/XX/2022 and there was no response from MOHELA. A second application was submitted in XXXX 2022 via USPS mail service ; to date still no response. I checked their website and there has been no updates to my account since XX/XX/2022. I have no knowledge of the status of my application, or if it was even received. There is no response from MOHELA and attempted phone calls have been met with XXXX hours wait time and the inability to reach an actual human with whom I can speak. As the contracted provider for PSLF, the lack of communication and reporting of status if unacceptable. The deadline for submission has come and gone, and I have no idea if my application was even received in time based on the lack of updates from MOHELA. I need to know if my application was received and is being processed to have my loans transferred to MOHELA as the sole servicer for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have 3 inquiries on my credit report that I did not authorize. I would like them removed immediately. 

CompanyCAPITAL ONE BANK XXXX XXXX XXXX XXXX CompanyCAPITAL ONE BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical Data Systems refused to send me a statement about what I owed in medical debt. They stated they didn't have to by law. I am in XXXX XXXX XXXX and I can not renew my student loan without the collection being paid off. 

Therefore, I agreed and paid {$3000.00} with the promise they would send me a letter showing paid in full and that it would be removed from my credit. XXXX advised she would have a letter sent 5 days after the payment was made. I made the payment at the end of XXXX. I called a week later and spoke with XXXX, she promised to send a letter in 5 more days. I still haven't received so I called back begging for it to be faxed or emailed since it has been almost a month now that I have paid. XXXX then states they don't have to send one since they " removed '' it from my credit. 

Now that I have paid, the are REFUSING to send me a letter or receipt of payment. How can you pay XXXX and NOT receive a receipt of payment or notice that the debt was cleared. It doesn't matter to Federal Student Aid if it was removed from my credit. I need the letter showing proof it was paid. Without this I can not continue XXXX XXXX I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: Their investigation did not fix an error on your report

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received an email from PayPal stating that I can not use my account anymore on XX/XX/2022 because of " risk in doing business with me '' even though I am sure that I did not violate any of the agreements and rules in using Paypal after revising their conditions on their website, and so I assume this is a mistake. I tried reaching customer service but unfortunately they were not helpful at all. This is affecting me significantly since I have been using Paypal frequently and my money is stored in there. I am placing this complaint in hopes of getting my account back restored and allowing me to access it. My email linked to my Paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From XXXX to XX/XX/2018 the lender, in 19 telephone calls, lied 18 times. They told the truth in call 19. They were pretending to entertain the possibility of loan modification. This was false, they admitted on the 19th call. I then sold the house in XXXX. They were told this and refused to cooperate with a payoff amount for four months. then they foreclosed on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
had unemployment sent to an account I had with them but the account was closed cause it was in the negative for {$24.00} and because I haven't used the account in 2-3 months. I was unaware it was closed until the payment was already sent. 
They recommended I open a new account so the money could be rerouted there. As soon as the money hit the account I paid my rent online via ACH. Immediately after the account was closed minutes later. It's under investigation because the Texas unemployment deposit was flagged as fraud. I have proof showing the deposit was in my name and the account is still restricted and not closed out yet. 
After it's closed I still have to wait another 7-14 business davs for my money.

I did research online and found several other Chase customers that experienced similar issues and it seems like some type of glitch in their system. 
I'm facing eviction because I do not have access to my money and the because the payment was returned which caused NSF and late fees. 
If I knew it was a chance of this happening I would have went to another financial institution or opted for a check instead. I took their advice and opened the new account. I want to be refunded for the NSF fees and for my pain and suffering. This has been extremely stressful and my kids and I are suffering tremendously. 

CHASE BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Claim # XXXX BofA edd prepaid card. I have filled Fraud claims 3 times back in XXXX. For no reason claims were denied within days of submission. In XX/XX/XXXX my claim was reopened and was told it takes 45 days. I called several times to check status was told it going to take longer the rep. Had escalated my case to a manager about. 2 weeks ago. Called today spoke to the claims rep at BofA he said the case has not been touched and noone answered to the escalation. XXXX the rep. Escalated the case again today and advised me to email you and seek your assistance. The rep reviewed my claim and saw that it is legitimate and the fraud charges that wiped my edd benefit is all documented and yet noone has done anything to fix it at BofA since XXXX. Please help me. Thank you. My email is XXXX. your assistance is greatly appreciated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Om XXXX I made an ATM deposit of {$500.00} through Fifth third bank. I received an error message asking me to type in how much I deposited. I typed in {$500.00} and did not receive any type of receipt or anything just a number to call. I called them right away to let them know that the atm took my money and then gave me an error code. They told me they would open up a claim and let me know in 45 days the outcome?! The next morning they gave me a provisional credit of {$500.00}. Today, on XX/XX/2022 I wake up and find my account in the negative! I immediately called the bank to see what was going on! They told me they rejected my claim because the atm machine was not over in there count for that day! I am livid. There are cameras all over that ATM machine that can clearly see me depositing the money. They tell me the only thing they can do is reopen the claim and have another " investigator '' look into it! This is the worst bank I have ever in my life dealt with. Now I have to wait another 30 days while they investigate and now my account is in the negative! I have been robbed and it's my word against them since they can't bother to look at the cameras!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2021-10-10
Company: Paypal Holdings, Inc
State: AL
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 used PayPal for a purchase from XXXX. The unit ( {$1700.00} ) did Not work I contacted XXXX, the manufacturer XXXX, & PayPal. I asked for a replacement of a refund. After a month I was told on XX/XX/XXXX by PayPal I would get a REFUND with a return. I returned it to the address in XXXX, given which cost me over {$400.00} USPS XXXX. Since, I've contacted PayPal for 2 months, I was told I was only a few days away from seeing my Refund returned to my bank account. Today I received the attached email. I would be happy to talk to someone at CFPB about my immediate options. XXXX Thank-you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX XXXX XXXX

Company response to consumer: Closed with explanation