BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Navy Federal Credit Union recently revoked my debit card privileges in XX/XX/XXXX. There explanation provided to me by a XXXX was due to XXXX XXXX claims filed 6 months time frame. I opened my account with Navy Federal Credit Union in XX/XX/XXXX. My first fraud claim filed was on ; XXXX {$1300.00} XXXX {$1100.00} XXXX {$240.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$270.00} The fraudulent filed claim was reported immediately, and approved by NFCU. The next Fraudulent claim reported to nfcu was on XXXX {$1100.00} & XXXX {$240.00}, which was denied by nfcu. I reported claim XXXX {$240.00}, which was a continuation of left off unauthorized charges day before, however, it was resulted in a new fraud claim. The last XXXX fraudulent claims filed on XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, was approved by NFCU. Only XXXX fraud claims were actually accepted and approved by NFCU. XXXX of the claims filed XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, are within 6 months time frame. I filed a appeal on XX/XX/XXXX, I provided NFCU a copy of a police report, FTC Identity Theft Report, IRS XXXX XXXX, appeal was denied, which Nfcu XXXX not notify in writing or email. Under the XXXX If you suspect there have been unauthorized transactions involving your accounts, it could be a result of identity theft or a lost or stolen debit card. In these cases, you have recourse under the XXXX. Notify your bank of a lost or stolen ATM or debit card right away. You are no longer responsible for unauthorized use of the card as soon as you report the loss. If you report a lost or stolen ATM or debit card within XXXX days, the XXXX limits your liability to {$50.00}. If you report the loss within 60 days after your statement is mailed to you, you could lose as much as {$500.00}. I have an over draft protection on my account, that I usually have 30 days to bring current, since my debit card privileges has been revoked, NFCU recently sent me a letter informing me that I had to bring my account current by XX/XX/XXXX. My account has only been in a negative status for less than a week. This is unfair and unjust discrimination by NFCU. 

If you dont report a loss within 60 days you risk unlimited loss. 

Once notified, the financial institution has XXXX business days to conduct an investigation of the claim. The institution must tell you the results within XXXX days of concluding its investigation. If a mistake was made, the institution must correct it within XXXX business day. Occasionally, banks can take up to 45 days to conduct the investigation, but in these cases, the bank has to give the disputed money back to you until the process is over.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: CO
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:
Account XXXX XXXX XXXX  in accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: AL
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 sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

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 2018-04-18
Company: Experian Information Solutions Inc.
State: CA
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:
MY EXPERIAN CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE XXXX  XXXX ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND EXPERIAN AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY

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 2018-05-05
Company: Riverwalk Financial Corporation
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported fraudulent information to XXXX, XXXX, and XXXX   credit bureaus regarding an account they claimed to have purchased from XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX committed fraudulent acts and deceptive trade practices against me by 1. selling the closed account to XXXX XXXX XXXX , after the account was discharged through bankruptcy in XX/XX/XXXX ) 2. XXXX XXXX XXXX   reported the account as being opened in XX/XX/XXXX, which is also false. The mentioned account was closed and discharged in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TN
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were several XXXX XXXX XXXX XXXX transactions from XX/XX/XXXX to XX/XX/XXXX that were unauthorized, i spoke to several agents, and given a guarantee my funds would be back in my account within XXXX hours. i have not seen those funds and this is for claim number XXXX, there was also a {$20.00} XXXX XXXX claim, that i got scammed with, and my financial institution with words of " XXXX liability if unauthorized or fraud '' is not giving me my money back, and i want a report on them, because i need this money back for bills, they can take it quickly, but they cant give it back quickly? please have Wells Fargo return my funds to me promptly!!!! i will not wait XXXX  days for this when i was promised and spoke to multiple supervisors and account managers that said i would have this back within XXXX hours of filing! i am ready to get a lawyer for this one! if need be!

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 2019-01-31
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover credit card ...

I have good credit with discover, now late payment alway I time with all of my accounts and I have had a XXXX line of credit with discover and a XXXX blanance ... they sent me a notice just this morning XX/XX/XXXX that there are reduced my credit line to XXXX and closing my account in 30 days to witch is unelthilcle they are dosing this because Im XXXX XXXX  my credit file was the same when I had open this account with discover nothing had changed and one account has been in disputed for over 40 years..and the Bk I had on file since XX/XX/XXXX .. and all of my credit cards were opened after that and now discover want to close my account for no good reasons other then not being XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Retention Consulting Services Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX from Regency Capital and XXXX XXXX ( not positive on this company name ) has been harassing me, my employees, my wife and my company. I have asked to stop calling with threatening calls, emails, to both myself but my office staff as well. I have no need for capital but this company is scaring my employees and my wife. His email is XXXX. Please help stop this type of fraud.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-31
Company: Jenkins, Wagnon & Young, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
INCORRECT AMOUNT OF DEBT Jenkins & Young, with knowledge inherent, made an assumption of risk and is not entitled to judgment. Jenkins and Young failed to provide evidence of how the alleged debt was calculated based on the original contract, billing statements, and so forth for the purported credit card.

MISTAKEN IDENTITY Jenkins & Young further fails to provide evidence of any relationship with XXXX XXXX assignee of XXXX. Moreover, Jenkins & Young further fails to allege that the Assignor even has knowledge of this action or that the Assignor conveyed all rights and control to Jenkins & Young. The record does not disclose this information and it can not be assumed without creating an unfair prejudice against XXXX XXXX. 

In addition, Jenkins & Young violates the Statute of Frauds and limitations as the purported contract or agreement falls within a class of contracts or agreements that are required to be in writing. The purported contract alleged by Jenkins & Young was not in writing and not signed by XXXX XXXX or by some other person authorized by XXXX XXXX and who was to answer to the alleged debt, default, or XXXX of the other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
On XX/XX/2021. While I was in the process of purchasing a new car. I had a existing pre-approval from my bank ( XXXX XXXX ) before I traveled to the dealership planning to go through my bank. Due to work, I had to leave early so I put a deposit on the car to hold it until the next day along with filling out a small amount of warranty paperwork. Later that night, I noticed my credit was pulled from multiple lenders on XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. Due to the urgency, demand and distance from the dealership, I felt stuck with the auto loan provided by them, along with a 2k price markup that I was unaware of until the final paperwork. Within a month I refinanced the loan with my bank in XXXX. Shortly after, I called XXXX to dispute the inquires, after my contact with the dealership went silent. Since the dealership is 3 hours away I wasnt able to go in person. 

Another hard inquiry I noticed. On XX/XX/2021, After opening a checking and savings account with XXXX XXXX I was never made aware it would involve a hard pull Ive never heard of a hard pull for a bank account so I talked to a couple people at the bank but was just convinced it was normal. I try disputing this inquiry online through Transunion but with no avail.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted a dispute with transunion via certified mail ( XXXX ) which was received on XX/XX/2023 by XXXX XXXX XXXX To this day, it has been 49 days and i still have not received any updates, results or anything from Transunion. My dispute involved fraudulent accounts as well as addresses and inquiries that i have not made nor have i made any transactions. I take my credit and privacy seriously especially during these times when the Credit bureaus are the ones having Data Breaches. 

I have enclosed copies of the certified mail receipt as well as the original dispute letter. Transunion has now proved to me that these inaccurate items on my credit report are unverifiable because they would of responded as verified. 
Transunion is the only company not to respond which is unacceptable.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN and XXXX XXXX received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. XXXX XXXX with the help from EXPERIAN used the credit score scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. EXPERIAN and XXXX XXXX must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. EXPERIAN remove inaccurate inquiries from my consumer profile placed by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to EXPERIAN and XXXX XXXX  for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from XXXX XXXX and have it returned to the original creditor.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registers mail with return receipt to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person ( XXXX  ) ( XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
late payments is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( XXXX ) [ XXXX XXXX XXXX is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC1681a ( 2 ) A ( 1 ) by reporting this transaction or experience ( late payments ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to delete account Failure to respond satisfactorily with deletion of the above late payments, will result in legal actions being taken against your company, for which I will also be seeking {$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 explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXXXXXX XXXXBalance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00}.

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 2020-06-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To Whom It May Concern, I wanted my equifax n XXXX  updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX I got a loan for the equity of my home with Citibank. They asked me to have a Flood insurance policy and I got it with XXXX insurance. On XX/XX/XXXX I made the full payment to Citibank, and I asked them to close the account, an according to the contract if I do not owe anything they shouldn't charge me anything, but I kept receiving letters from them regarding to pay the Flood Insurance. 
You should know that my home is not in Flood area since XX/XX/XXXX and I do not owe anything to Citibank since XX/XX/XXXX.I kept receiving letters I called them and they did not help me on anything.they kept transferring me to different people, departments and at the end they should hang up on me. 
I went to talk to the manager of the bank in XXXX where i got the loan " XXXX XXXX '' and she called and talk to different people and finally she cant do anything. I went to the insurance company and the representative XXXX XXXX called the Citibank and talked to a lady her name is XXXX and she told her i had to pay {$410.00} as an overlap I do not know why, I always had coverage, and I always paid everything on time, even though I paid the amount waiting do not receive more letters. They required me to close the account the following : a money order for {$64.00} letter of authorization to close the account again, I did everything and they never close the account. 
I had been receiving bills and letters, now they want to charge {$1700.00}. They continue purchase Insurance for me for a loan that I do not have. 
I called again and they kept me on the line transferring me with different people. I am completely frustrate, I do not know what can I do. nobody seems to understand why they have not closed my account but nobody helps me either.

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