BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
NAVY FEDERAL CREDIT UNION SHUT DOWN AND CLOSED MY CHECKING AND SAVINGS ACCOUNT, CLOSED MY OTHER PRODUCTS I HAVE WITH THEM NAVY FEDERAL ACCUSED ME OF HAVING A FRADULENT MEMBERSHIP AND THEY SHUT DOWN MY ACCOUNT AND STOLE MY MONEY I HAVE OVER {$140000.00} IN MY NAVY FEDERAL BANK ACCOUNTS NAVY FEDERAL REFUSES TO RELEASE MY MONEY THIS IS MONEY I USE TO PAY MY BILLS AND MY FAMILY WILL BE HOMELESS IF THEY DONT RELEASE THIS MONEY MY MONEY NEEDS TO BE RELEASED NOW ATTACHED IS MY SECURITY APPEALS FORM THAT WAS SENT TO NAVY FEDERAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: WI
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:
Experian won't remove a fraudulent credit inquiry. I have sent several letters. 

I have now filed a police report to pursue legal action. 

XX/XX/22 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 2022-04-18
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter XXXX  from Cardinal Financial servicing, stating I was under investigation a year after closing my mortgage. It stated as of the date I closed I was no longer working for the same company. I was in fact working for the same company as I started the application under. I left the company about 2 months later. I tried to contact the company and was told as was my broker that they are in no way responsible for providing me or anyone else information as to how they came up to this conclusion. I feel it is my right to know why I am under investigation and have the information they obtained as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my credit file that doesn't exist. I tried to request validation and dispute this remark and the credit reporting agencies don't even respond back. I have now sent two disputes with not even a single respond.

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 2022-10-17
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX The above have violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2023, I was approved for a Wells Fargo XXXX XXXX credit card. Part of the new card offer included said if I made at least {$3000.00} in purchases within XXXX  months I would get XXXX bonus XXXX XXXX points. I made over {$3000.00} in purchases by early XXXX, 2023, less than XXXX months since approval. Terms of the card offer stated I would receive the XXXX bonus points within XXXX to XXXX billing statements of meeting the spending threshold. By the nearly the end of XXXX, 2023, I still had not received the XXXX bonus points. So I called Wells Fargo and spoke to XXXX different departments, each having no idea what to do with my concern. Some departments had never heard of this XXXX XXXX Wells Fargo credit card. XXXX departments transferred me to XXXX XXXX which has nothing to do with Wells Fargo 's credit cards. XXXX departments said I should get the XXXX bonus points but they were not sure why there were not posting correctly. Finally I was transferred to the Executive Department of Wells Fargo. They did an investigation and told me via phone on XX/XX/2023, that my purchases violated the terms and conditions of the credit card, claiming all of my purchases were pre paid gift cards which are excluded from earning XXXX XXXX points. I appealed to the supervisor of this department and told them to look at my purchases on each statement and they could see I did not buy any prepaid gift cards. Prepaid gift cards are reloadable XXXX XXXX XXXX gift cards. I did not buy ANY prepaid gift cards with this credit. Some of my purchases were retail gift cards, which are not excluded purchases. In fact, all of my purchases already earned regular XXXX XXXX points on my account, just not the XXXX bonus. The supervisor reviewed my statements and agreed with me that I did not violate the terms and none of my purchases were prepaid gift cards. A second investigation was opened on XX/XX/XXXX and I was told to wait XXXX to XXXX business days for resolution.

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 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was assessed monthly maintenance fees for an account going below {$1500.00} daily balance per Bank 's terms. The balance was then brought above {$1500.00} during the statement cycle via deposit and credit by the Bank. At this time, the Bank assured me that I would no longer be assessed fees if I maintained the balance at or above {$1500.00}. I did so, and then on XX/XX/23 was assessed another monthly maintenance fee. I respectfully insist that this fee charged XX/XX/23 be reversed, and I subsequently not be penalized via fee or otherwise on XX/XX/23 since this fee on XX/XX/23 again caused the balance to drop below the fee threshold.

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 monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2023-07-17
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XX/XX/2023 I purchased a Vanilla Gift card at XXXX XXXX XXXX store for {$130.00}. Before I got a chance to use the card the balance was {$0.00}. I went to the transactions for the card online and saw there were 4 purchases made ; 2 to XXXX for {$50.00} each and 2 and XXXX for {$25.00} and {$8.00}. I put in a dispute about the unauthorize charges but only to receive a letter stating that there's nothing that can do and closed the dispute. 

I called Incomm Payments the same day I received the letter of denial an asked what did the investigation consist of. I was told they could no longer pull my account up because it was closed. I told the customer service rep that wasn't fair to me and I'm just suppose to except their findings? Well not me, I did my own investigation. I called XXXX about the transactions that was made with the gift card, gave them the order number and 2 gift card was purchased for XXXX XXXX XXXX and mailed to XXXX, Massachusetts and I live in NC. I did not get any information from XXXX because I did not have an order number. 

Looking at this company 's reviews, they are not a good company to purchase anything from. For all the reviews I saw, no customer was happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I made a mistake when filing a dispute to remove my hard inquiries there is a XXXX XXXX  credit card with a credit limit for {$6600.00} that I mistakenly had removed I would like to be replaced please credit line was added to my credit report in 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 2019-01-24
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already reached out to the credit bureaus and to XXXX XXXX XXXX  XXXX for the account numbe XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. With my complaint last XX/XX/2023 and my complaint now. I am hoping that ALL fraudulent items on my credit report will be REMOVED. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
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 2023-12-06
Company: Experian Information Solutions Inc.
State: NV
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-02-10
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-07-17
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A credit card for XXXX XXXX XXXX, through Synchrony Bank, continues to not send me paper statements, even though I have not signed up for paperless statements. I know this because Synchrony seems to be the only bank that denies customers the right to view a pdf file of their statement unless they sign up for " eStatements ''. I have sent multiple internal messages to Synchrony trying to resolve this problem. I have not received paper statements for four months, nor can I reprint a statement. Internal responses to my messages claim that there is a " temporary hold '' on my account, for an unknown reason. There have been no other attempted purchases on this account by me or any members of my family. This account also has a deferred interest plan, so if I miss a payment, or do not pay the balance off on time, they will charge me interest. I feel like this is an ongoing attempt by Synchrony for us to miss a payment and charge us fees and interest.

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 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently filed another dispute with Equifax on XX/XX/XXXX regarding an inaccurate account reporting on my credit file. CFPB I desperately need your assistance with this matter as I have been fighting this battle with Equifax for almost 2 years. I have disputed this inaccurate account and they will remove it and then months later put the inaccurate account back on my credit report. The company that was reporting this account has also sent the correct information to Equifax however they continue to report inaccurate information. The account in question is XXXX XXXX XXXX XXXX ACCOUNT # XXXX. This account was included in a XXXX bXXXX XXXX  XXXX in XXXX, that is no longer on my credit file as it has been over 10 years. This account is reporting as a charge off with a balance of {$20000.00}. This information is inaccurate and I demand Equifax remove this account from my credit file immediately. I am tired of filing disputes for them to remove this account and then add it back months later. This is a violation of my consumer rights per the FCRA. This is my last attempt to resolve this matter with Equifax. If this account is not remove I will file for litigation immediately. I have provided Equifax with a letter that I received directly from XXXX XXXX XXXX XXXX stating this account was included in a bankruptcy. CFPB please help me as this matter is causing me a great amount of emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a payroll check into my USAA checking account. USAA cancelled the check as it was written to my business with XXXX notice or opportunity to provide appropriate documentation to show that the check was written to me. USAA has been completely unhelpful in dealing with the fees associated with over draft. They have no failsafes in place to catch issues like this and no available remedies to assist customers in resolving overdraft fees or to stop the excessive fees. The information is buried in terms and conditions and the consumer has no way to know this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: PA
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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 paid in full a store credit card through XXXX XXXX that has not been updated to my account.

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 2020-07-27
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband and I each received a bill from XXXX  XXXX XXXX for respectively {$650.00} and {$910.00} from more than 10 years ago ( and previous marriages ) that we had absolutely no knowledge of. When I called the collection company, Convergent, they gave us the dates for which these were due and the amount. According to XXXX   XXXX XXXX they sent 3 letters to my husband and 5 to me. This is absolutely ludicrous! Especially since I know we both usually are in the habit of forwarding all of our mail to a new address when we move. I never received any such letter and neither did he. We currently have no outstanding debts and pay all of our current ones always and on time. Had we any knowledge of these we would definitely have made arrangements to pay. 

In addition, the statute of limitation is definitely in effect. I want XXXX  XXXX XXXX  to eliminate these debts as they seem quite fraudulent after so long.

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