BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2022-12-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
I used my Navy Federal credit card while traveling out of the country at the airport in XXXX on XX/XX/XXXX and returned on XX/XX/XXXX. Upon my return I found the following charges on my credit card. 
XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. XXXX I proceeded to call Navy Federal Credit Union to file a fraud claim about the charges on my account and I was told to destroy the card and another card was sent to me. I waited a few months and called back in XXXX since the charges were still showing on my account. I was then told by the representative that the first agent I spoke to on the phone forgot/failed to file a claim in XXXX. She proceeded to file a claim and then told me that the charges would be removed including the interest and late payment charges. 
The charges were removed only to later show up with a letter stating that they have evidence that it might have been me. I asked for the evidence and they refused to provide it to me. I then sent a PDF of my itinerary showing that I was out of the country and also provided an incident report from the police department in my city. They later denied the review stating that they were authorized over the phone but refused to provide the phone number used for the phone authorization. 
I asked for a new investigation since they failed to file a claim and follow up on the fraudulent charges for months but they told me I have to go to court and get a subpoena to get report from each merchant involved in this case. I am absolutely devastated as this charges are currently affecting my credit score thereby affecting my business and finances. 
I would appreciate your assistance in resolving this matter. 

XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got approved for a Navy Federal checking/savings about a month ago. I switched my direct deposit recently and this week was the first time I received direct deposit to the account. XX/XX/ I was approved for a secured credit card with them and they deducted the {$200.00} deposit from my savings and sent me an approval. I used my debit card a few times after on XX/XX/XXXX XXXX XXXX when I tried to make a purchase it declined. I opened the app which told me to call. They advised that my account was going to be closed due to fraudulent sign up ( I signed up through my sister- immediate family member ) and I would have no access to the remaining funds on the account until this process was completed, the security team is closed on weekends so theres no one else I can speak with, and the supervisor hung up on me. I called back and advised I was not sent notice of this and was unable to feed my children due to the circumstances and was disconnected yet again, intentionally, by another supervisor. I advised them I would not be able to come into a branch because I was unable to get my vehicle fixed due to this mishap and the closest branch is about 4 hours from me. My entire paycheck was deposited into this account which Ive now had no access to for over 24 hours. The agents lacked training and empathy. I never received a notice requesting documentation proving I am eligible which I very much am.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX  Account # 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 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

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 2023-08-27
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wired in three payments from my bank Regions bank a total of {$150000.00}. The last one was XX/XX/2023. I found out it was a scam after I tried to withdraw money and the company called XXXX told me through the customer service chat I needed to pay 10 % upfront to get any money. I googled XXXX and spoke with the fraud division and was told it was a scam. I filed a police report, notified Regions bank, FTC and now you. Regions told me they did not have insurance for this because they used the information I gave them, they did request refund from the other bank but I haven't heard anything yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Paypal Hello, i hope you will help me to fix my account, i dont know that the form i filled -up already to previous pages is correct to my problem right now..and the problem is my paypal account i cant sending money to my friends, i think i 'am wrong because before this is happened to my account i put the 2 bank account number which is same bank account ( the one is the account number printed on my atm and the other one is the account number that the bank gave to me ) i mean i'am carried away of puting the right bank account number i should put is the account number printed on my atm, then after so many times i am trying to sending money to my friends, but my account saids that i need to email first, i tried to ask to the company but still i can not get the right answer to my problem, and until now i tried to sending money to my second paypal account but still i cant..i hope to here your answer as soon as possible related why i cant sending, receiving and withdraw my money.i hope you will fix my account Please email me to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-04-24
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
got a letter in the mail stating i owed XXXX XXXX to XXXX XXXX 2 months ago, If this is for a auto loan the auto was surrendered to the bank in XXXX. I never received notice of any debt that was owed until XXXX. I sent Jefferson Capital Systems LLC Debt Validation Letter, they responded my sending me the same statement. they did not validate the debt or showed me any of the information i asked for stated in the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America continues to report incorrect information. Same as my last complaint.

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 2023-03-14
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: Account status incorrect

Complaint:
Pursuant to 15 USC 1666B reporting agency is showing late payments that are inaccurate on my credit report without my consent. 

Reporting agency are carrying debt that they did not verify validity and has passed the reporting period and is negatively effecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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:
Fraudulent account XXXX XXXX XXXX Reported : XXXX XXXX, 2023 - {$690.00} Closed Should not be on my credit it also is showing late payments an it's affecting my XXXXredit score That's fraudulent 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 non-monetary relief
Consumer complaint received 2023-07-19
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: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2021-04-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
ECSI called me in XXXX as they must have bought debt from XX/XX/XXXXand threatened saying if I did not pay this debt that they would sue me and ruin my credit. 

ECSI reported my debt as being on a payment plan and even reported that I had made several payments this year which is false. 

I disputed this with all 3 credit bureaus after investigation ECSI has now reported the debt to be deferred and that I begin payments in XX/XX/XXXX which is another lie. 

ECSI is ruining my credit and reaging a XXXX year old debt by lying and threatening and ruining my XXXXredit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2016-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I made an ATM deposit last week thursday, XXXX XXXX. The Capitalone ATM malfunctioned, ate my cash and card. Capitalone 360 reps first stated that within 1-2 business days it will be resolved. It has still not been resolved. The bank is now stating it will take 45 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: JPMORGAN CHASE & CO.
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:
In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CITIBANK, N.A.
State: TX
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:
Dear CFPB, I am currently having a very difficult time resolving a fraudulent charge with my Citibank credit card. I have had numerous conversations, have filed a written appeal which was denied today, and am looking for your assistance in resolving the matter. 
The fraudulent charge was executed when the card was OUT of our possession. 

Here is the body of the appeal letter sent to Citibank on XX/XX/2021 : Please accept this letter as an appeal to your Denial of a Fraudulent claim filed for {$4700.00} made on XX/XX/2021 in XXXX, XXXX. The fraudulent charge shows on the statement coming from an unknown company called XXXX XXXX XXXX XXXX. 

I noticed the fraud charge that evening when checking my credit card statement and immediately called Citibank to report the incident and subsequently cancel the card. I am one of those few individuals that checks my balances everyday. My wife and I were on vacation in XXXX for several months. 

My credit card was taken from us while eating lunch with friends at a restaurant in XXXX. You will notice a restaurant charge at XXXX XXXX XXXX XXXX at the same time/date stamp which is correct. Our waiter walked away with our card and took a long time to return back with our restaurant charge which was a very unusual practice in XXXX. It would be virtually impossible for us to have been two places at once. The fraudulent charge was executed when the card was OUT of our possession. 

We have been shuttled back and forth between the dispute department and the security department, completed paperwork which was not applicable to the case, completed it, and do not have the case resolved. We have had at least a dozen conversations with representatives over the last month and feel like we are getting the run around and an unfair judgement. 

I am formally requesting a copy of the signed receipt showing we signed for it. 

Please feel free to review my credit history and my pristine payment history which shows my excellent performance. 

I sincerely request your assistance. Given the amount of this fraud charge it will be worth seeking legal assistance and filing a complaint with the Consumer Financial Protection Bureau next.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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