BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I booked an XXXX XXXX XXXX while speaking with a rep from XXXX. I was getting a error message while trying to book thru XXXX for the XXXX. The rep told me to book it & screenshot the error. I didnt get a error this time. Told them rep. Tried canceling. The host wouldnt give me my money back. Transaction was about XXXX. Kept going back & forth with with reps. Got a sup. Told me to cancel where I got the cleaning fee back which was XXXX & then the sup added and additional {$100.00}. So I was still left to pay over {$700.00}. I DID NOT STAY here! I stayed at XXXX XXXX! Contacted XXXX. Sent them all my information. XXXX still wouldnt refund them. I called XXXX XXXX XX/XX/XXXX XXXX several days after that! I was told to make the first transaction & I can dispute & theyll credit me back & also stop the transaction!! Well they did a temp credit of {$210.00} weeks ago. I get a email today saying that the charges are valid & they will be taking the {$210.00} back on XXXX XXXX. Spoke with a sup today XX/XX/23. Hes saying they asking for more information terms and agreement when I literally sent them over everything!!! This was something that happened while working with a rep! How am I at fault? Atp if I wouldve known Navy wouldnt have my back & supposed to be the best credit union in the world I wouldve never paid it at all! Its not fair when I didnt stay somewhere! No one wants to help! But if it was one of their family members they would understand. Ive been with them for years and NEVER had to dispute anything!

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has repeatedly refused to delete the fraudulent address of XXXX XXXX XXXX XXXX. They have also repeatedly failed to respond to my certified USPS mail request to disclose their method of verification process as required by the FCRA. As such, the fraudulent account should have been permanently deleted from my credit file as it is negatively impacting my credit worthiness. 

PLEASE DELETE NOW!!!!

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 2022-08-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
It is my understanding as of XXXX My issue regarding an ongoing complaint from XXXX WILL NOT be re-investigated. Per XXXX XXXX it was given to her and she is nt in the credit card department It seems this matter is not regarded as priority and it is very important to me. I have EXPLAINED THE FIRST INVESTIGATION WAS DONE BASED ON THE WRONG PREMISE It should be investigated a a fraud with prejudice. The company told me and gave me false informaiton and I confirmed by getting doctors whom is an expert recommendaion. I do not understand what the problem is and WHY I am being refused an investigation XXXX XXXX stated she will handle the account closure but the investigation was not done and do not plan to do as she does not handle things of this magnitude in her department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: NY
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 XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inaccurate items be deleted immediately or I will file for litigation due to stress you caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a car loan with Automobile Acceptance for a XXXX XXXX XXXX .payments we re {$170.00} bi weekly for 58 months and CPI {$38.00} .during that time I was never late with car payments missed a few CPI during the duration but not many. The car stopped running almost the end of XXXX of XXXX I asked that they remove the CPI they refused stated i need to purchase FULL COVERAGE I refused to pay full coverage for a 10 year old broken down car..On XX/XX/XXXX I made my last payment over the phone which I was told would be {$170.00}. a month later they started contacting me saying I owed {$610.00} .I asked for what they really couldnt explain how .I asked them to foward me documents explaining how could I owe this .I received a letter end of XXXX saying it was for CPI payments from XX/XX/XXXX. I pulled out my bank statements because I knew for a fact that I never missed that many payments ..For this reason they are refusing to give me a title. I have a peace of junk in my drive way I cant get rid of without a title.They have also tarnished my good credit by adding this payment on my credit report. Please help

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 2023-06-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This account is shown inaccurately on my credit reports In accordance with the Fair Credit Reporting act XXXX Account # 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 2019-07-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXXXXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was informed the week of XX/XX/2020 that might count has been in active. I had called the company and they had told me to send in my paystub a form of identification and my Social Security card. I had sent all of these items XX/XX/XXXX I called probably about A week later to see what was happening with my account because nothing you know was changed then the lady informed me that I need to send the C ID number with that is tied to my card but they did not tell me that when I had called the first time so then I send all the information again with my C ID number then I give a called again the following probably week and a half or so away whats up my account all the images are too little we cant see them can you send it again so I sent the information thats very important information my of identification to them and they couldnt see it so I sent them one more time and then they had bothered to say oh can you send it one more time in 200 or 300 % so we could read your form identification I did this XX/XX/XXXX I called today give me five business days so they could receive the fax and I am informed once again that I need to send my form of identification one more time plus my fiancs information where as I told her why didnt you guys tell me this from the beginning she answered I dont know they should have told you this is been in your this has been in your account since XX/XX/XXXX that I needed to send information of my fianc which does not make sense because he has nothing he is not in the account this is my account I am the account holder. Every time I call they give me another task at hand where it should just have been said from the beginning every time I call its something new Ive been dealing with this issue since last year XXXX I couldnt do a lot of things because I have so much money on this account that dont have access to. Now they said I have to send my information again and my fiancs information. I do not have a problem sending this information but this would be the sixth time I send very important at information without anything happening 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 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
THIS INFORMATION IS INCORRECT. ELIMINATE XXXX Balance : XXXX XXXX XXXX XXXX Balance : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In XXXX of XXXX, I had received a total loss on my XXXX XXXX XXXX XXXX. A correspondence was sent out on XX/XX/XXXX stating that my car was a total loss due to flood damage. I filed chapter XXXX bankruptcy on XX/XX/XXXX and my car was not included. Another correspondence was sent on XX/XX/XXXX Stating that their draft amount of {$11000.00} was sent for my account number in which they released the lien to XXXX XXXX. On my payment history in my account, the only payment that was posted to my account was the credit from my GAP coverage in the amount of {$1300.00}. On my credit report it states that my account was in a charge off status in which they received multiple payments in the yr XXXX yet my account was deemed a XXXX XXXX in XXXX of that year. Ive disputed that same inquiry twice and both times the charges were deemed accurate. I sent a Debt Validation letter via certified mail on XX/XX/XXXX to TransUnion and it was received XX/XX/XXXX and here it is XX/XX/XXXX and I still have not received any validating letters of any charges. I am asking that all Inquiries from this creditor be removed from my credit report immediately as it violates several FCRA standards

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 2020-09-01
Company: QC HOLDINGS INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Saw my pay check and it had a garnishment of XXXX from XXXX XXXX XXXX XXXX. I email them to stop garnishing my pay check during covid 19 pandemic. They refuse. I cant pay rent. They never contact me or anything. They are taking money from me during a pandemic this is an outrage. Case XXXX I dont even know what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Last night at XXXX my account balance was {$100.00}. At close of business day I had a positive balance. When I woke up this morning, somehow, due to 'pending ' items, I had XXXX overdraft fees. Im XXXX. Money is tight. I juggle this account like a circus clown, and keep a close eye on it to prevent a negative balance at close of business day. Did not help me. They will only waive XXXX fee in a XXXX MONTH period, and I already got that privilege back in XXXX due to fraudulent activity on my account. The overdraft fee is XXXX XXXX XXXX. I got hit with XXXX overdraft fees between XXXX and XXXX XXXX. I am literally behind on everything, and due to my vigilance and frugal money monitoring, I did not deserve this. XXXX representative straight hung up on me. The others made it very clear theydid not give a XXXX. Avoid this bank unless you enjoy huge overdraft fees and heartless customer service. I've been fighting back tears all day at work, but at least XXXX XXXX  XXXX can keep gassing up the 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 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that the same accounts are erroneous. TransUnion is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-07-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of the fcra these are unauthorized and should be removed immediately

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 2023-06-08
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted National Recovery. Once connected to a representative, I explained that I had lost my arm in a freak accident in XXXX of XXXX. I filled for XXXX of XXXX of that year. Upon filing, I was approved for medical coverage through Ohio Medicaid, which covered 100 % is my medical bills. XXXX XXXX was amidst bankruptcy and transfer of ownership in the days of service. They failed to bill Medicaid. According to Medicaid policy, any balances for medical expenses are to be written of by the provider. XXXX violated this policy and demanded I pay for services that I never agreed to and were never properly billed to Medicaid. The bill was sent to collections at National recovery. The representative told me that it didn't matter that I had coverage. It was too late to bill Medicaid and I was responsible for the bill. It is unlawful to charge me any balances unpaid but Medicaid. It is not my fault they were not billed properly. I attached copies of my Medicaid cards in addition to details about the account in question. I also uploaded my MyCare Ohio medicaid + medicare dual coverage policy, which covers all medical bills incurred after my protected filing date in XX/XX/XXXX. This bill was XX/XX/XXXX, and I had full coverage for this date.

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 2020-12-30
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I was applying for a loan and set up XXXX XXXX. 
I noticed on my account that I had a collection from Arbor Professional Solutions ( APS ) for XXXX XXXX XXXX of {$830.00} dated XX/XX/XXXX. 
My deceased father and I have the same name, I don't recall going to XXXX XXXX XXXX and they are out of business. 
I called Arbor Professional Solutions on XX/XX/XXXX and XX/XX/XXXX requesting proof of the debt. On XX/XX/XXXX they admitted that they had not sent any collection notices to me but that they would get it in the mail. They never sent the information. 
Arbor is still reporting a delinquent collection. 
I have written the credit reporting agencies and both stated APS claims it is a valid debt. 
On XX/XX/XXXX I sent then registered note that I had disputed the account information and requested that they had 30 days to provide proof of debt or remove the inaccurate information they are reporting. 
In that letter I stated that I would report them to the CFPB and to the XXXX  and if necessary take legal action. 
I have not received any correspondence from APS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation