BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My grandmothers purse was stolen on XXXX XXXX. Inside her purse she had her debit card & ID. My grandmothers bank account and mines are jointed in some type of way, when i created my bank account i was underage so i created mine connected to her account. The next day on XXXX XXXX i recovered a email stating my account was negative which was impossible since i havent used my card or made any type on payment/transaction i then contacted Wells Fargo and XXXX the situation the person who i spoke to stated seeing my grandmothers card being flagged as fraud. We continued with the process of disputing the transactions that were made. There was XXXX transactions XXXX. {$400.00} XXXX {$180.00} XXXX {$400.00} XXXX {$400.00} In total there was {$1300.00} that was stolen out of my bank account. The Bank then suggested we also make a police report, which my grandmother did, we provided copies of those statements etc. 
The bank told us they were going to do an investigation which can take up to XXXX business days. I recieved an email stating the investigation was complete and the case was closed. I called the bank on XXXX XXXX for an update they told I would receive my refund back in 2 days. Nothing ever showed up on my account so i decided to call on XXXX XXXX i explained the situation and asked for an estimated day of when i would recieve my refund since i truly needed the monday the person on the phone told me the case was closed, the investigation was complete and they are denying a refund. I tried to call back numerous times within the same hour asking to speak to someone who can give me an answer on what next step i should take since those transactions were unauthorized and my money was stolen, they were very rude to me telling me there is nothing i can do and they will not do anything about it is a solid denial is exactly what they said. I asked why it was denied and they told me they couldnt give me and answer due to their policy. 
I feel very lost as ive never dealt with anything like this but i feel like they are being very unprofessional they gave me false information and they did not do there job right. My situation XXXX not matter to them but i am a single mother working XXXX hours a week and it just seems very unfair the way they treated this situation, i want my money back and i want them to do something about 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 monetary relief
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: MA
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:
Equifax continue to violate the FCRA with XXXX account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by Equifax. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by Equifax. This violation Re-aged account and inconsistent reporting by Equifax has injury and harm my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter in regards to a mortgage my husband has through Navy Federal Credit Union. According to a conversion ( in which both my husband and I were privy ) last week the mortgage is current showing no delinquent status. 
However, my husband and I received multiple letters claiming delinquently, threatening negative credit reporting, and foreclosure. 
These letters ( over 5 ) sent via first class and certified mail where mailed to an incorrect address. When contacted Navy Federal stated they had the correct address on file, and they did not know why the letters where mailed to the out dated address. 
This is either a case of malfeasance or malpractice, and either is not acceptable. 
Threatening to damage ones credit, foreclose on a home, all while sending notice of such actions to an incorrect address is deeply troubling. 
Navy Federal has been authorized and entrusted to assist Veterans and Active duty military members navigate home ownership using VA loans. 
I am concerned that the organization has grown too large, too quickly to competently manage Federal loans especially VA loans.

My husband and I spoke with Navy Federal regarding the status of this loan last week. 
I called again today about letters mailed to me ( see attached ). 
I spoke with XXXX on a recorded line. The call was initiated at XXXX EST and documented and time stamped for this complaint at XXXX EST. 
XXXX was unable to explain why certified letters threatening negative credit reporting, collections, and potential foreclosure of a property where mailed to an address no longer on file rather than the current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: GA
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:
According to my research about FCRA 605, CREDIT BUREAU are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit agencies were notified VIA CERTIFIED MAIL on XX/XX/XXXX that I was disputing two items ( XXXX ) on my report. The mailings were confirmed received. They were also notified via regular mail, per CA Code of Civil Procedure 1013, " Service is complete at the time of deposit ... '' NO ONE RESPONDED. I then notified the agencies on XX/XX/XXXX that I had not heard from anyone and that their time to investigate was up. 

THEY ARE NOW RESPONDING TO THE CFPB THAT THEY ARE EITHER CONDUCTING THEIR INVESTIGATIONS NOW = TOO LATE OR THAT THEY HAVE PERFORMED THEIR INVESTIGATIONS AND THE CHARGES STAND. THESE INVESTIGATIONS HAPPENED AFTER XX/XX/XXXX, AFTER THE 30 DAYS THAT THEY ARE ALLOTTED TO DO AN INVESTIGATION, PER THE FAIR CREDIT REPORTING ACT, HAD EXPIRED. 

MAKE THEM RESPOND BY GIVING YOU THE SPECIFIC DATE ( S ) OF THEIR INVESTIGATIONS. IF THEY ARE AFTER XX/XX/XXXX, THEN THEY ARE BREAKING A FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correctedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

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 2023-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
I am filing this complaint to PORTFOLIO RC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-12-19
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank lowered my credit limits on three of my credit cards to the amount owed on the cards, that made my credit use go from 30 or 40 % to 100 %. that made my credit score go down hurting me financially, I have never been late, always payed more then the payment due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: IL
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 XXXX Account # XXXX, has Violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: NC
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:
There are three accounts that exist on my credit profile that was opened up fraudulently by someone that stole my information due to a Data Breach that I have been involved in. The three accounts are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now I have contacted Equifax several times about these accounts in question and have sent several legitimate and legal documentation that was required and requested by Equifax to do so, but still these account have yet to be removed and deleted from my credit profile as they should already be. These same documents will be included in this complaint for all to see. I didnt open any of these accounts nor did I benefit from these fraudulent accounts. I am a war Veteran that fought in the XXXX XXXX XXXX and countless missions in XXXX and was wounded physically and mentally because of these battles that I endured. I have been diagnosed with XXXX  XXXX and I shouldnt have to deal with problems like these that should easily have been solved without having to go thru so much red tape. I didnt open the accounts nor did I benefit from them so why should I have to pay for something I didnt even do. Its very shameful how Equifax has treated me concerning these fraudulent accounts. This is how a war Veteran is treated after fighting for this countrys freedom and rights but my own are denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: NC
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:
Experian will not thoroughly investigate within 30 days and delete ( furnisher ) XXXX XXXX from my credit file. Experian refuse to  delete disputed item after being provided proof of fraudulent inducement from XXXX XXXX and conspirators, Experian continue to violate FCRA Section 623 XXXX v. XXXX XXXX. US Court of Appeals for the Third Circuit Court case XXXX XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX. 
No. XXXX ). 
IN CONTRADICTION, XXXX & XXXX ALL DELETED THIS ITEM FROM MY CREDIT FILE. 
Please view attachments that will show I never authorized the retail contract that was submitted and accepted fraudulently. For example, my correct DOB is XX/XX/XXXX NOT XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: WA
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:
I have reached out to XXXX 3 times in the last 7 months 1. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I explain to the customer service representative my situation that they are still reporting on my credit report but they tell me that ( they have no record of me in their system ). My lone was transfer to another lone company, but it still show open on my credit report with XXXX I have asked them to remove it, and to get connected to their credit department, but just get hung up on ever time.

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 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I attempted to resolve this issue directly with Bank of America they were reluctant to do so. I explained to them the circumstances regarding the account and offered to provide them with a copy of an identity theft report to which they declined and spoke to me in a very rude and condescending tone. I have filed MULTIPLE disputes with the 3 credit bureaus regarding this account in particular. They do not due their due diligence in their reinvestigation process nor does bank of america. XXXX has already removed this account but the other credit bureaus, XXXX and experian have not. I filed a complaint with the CFPB already towards bank of america and instead of reaching a resolution I was contacted by someone named XXXX XXXX XXXX XXXX XXXX resolution specialist. His reasoning for contacting me was to verify that I did indeed engage in a complaint against them. I confirmed that via email for him and was happy to do so. However, this contact was unwanted, all I want is for my issue to be resolved. After having representees of their company talk down to me in the past I want no further contact only a resolution to the issue at hand.

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 2021-10-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a Citi XXXX checking account because it advertised a XXXX XXXX XXXX AAdvantage bonus miles promotion if certain terms were met. Mainly, the terms were to spend {$750.00} in qualifying debit card purchases within 60 days after opening the account and to make a qualifying bill payment for 2 consecutive months within the same 60 day window. I met all these requirements, but Citi is refusing to credit me the XXXX bonus miles because although all transactions were made within the 60 day window, one of them posted just after the window. This seems like a disingenuous move on Citi 's part because I only opened this account and spent {$750.00} just for the bonus miles, and to have one transaction " post '' just outside the qualifying window is very unfair. For whatever reason, this one transaction took particularly long to post, whereas others posted very quickly. I am not claiming that Citi is doing this intentionally, but I just wish they would at least have the courtesy to make the exception in my case since I clearly made all the transactions and qualifying activities within the 60 day window. {$750.00} is no small amount to spend and I feel as if I have been deceived by Citi.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote letter to Tran Union LLC requesting Validation of the items and not verification if the items could not be Validated that items be deleted in accordance with the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 { b } that your claim is disputed and validation is requested. To date Trans Union LLC 3 responses has only been that the accounts have been Verified as Accurate and updated and not deleted, which is in clear violation of the Fair Debt Collection Practice Act.

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