BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XX/XX/2021 my account was being fraudulently charged via debit card nightly for a rental car from XXXX. I never rented a car from XXXX. I tried to resolve this matter with XXXX first. They told me I would have to contact my bank to get them to stop the charges. 

On XX/XX/2021 I called Navy federal credit union to explain the charge nightly to our debit card was unauthorized and asked them to stop the charges from coming thru as it was leaving us unable to keep money in our account for fear of it being debited fraudulently. 
After about 45 minutes on the phone, they ordered a new debit card told us it would be in the mail within a week. 

We thought the issue was resolved until we activated the new card a week later. Then we started receiving these declined transaction notifications every night again. 

We called the bank again as well as contacted XXXX in attempts to resolve this all the while unable to keep money in our account. Having to immediately withdraw any money being direct deposited into the account as the process to change direct deposits would have taken weeks and without pay during that time. 

On XX/XX/XXXX we had a successful debit of {$2800.00} come out of our account leaving our balance at - {$2400.00}. ( {$400.00} had just been direct deposited the same night and we hadn't had a chance to move it yet ) We called the bank again and they told us they would investigate it and in the meantime credited back the money. 

They then reversed the credit on XX/XX/2021 siding with XXXX originally. 

After escalating to the correct person we had the investigation reopened and on XX/XX/2021 they sent is a final determination letter letting us know they would not be reversing the newly paid credit and they were siding with us. 

Since that was resolved we have contacted the bank on 3 occasions to discuss the {$750.00} in returned item fees we were charged and paid during the period of XX/XX/2021 and XX/XX/2021. These fees only arose from their lack of action on our fraudulent transaction claim. 

The bank has since credit our account {$170.00} of the {$750.00} that were charged to us after we requested they stop authorizing these nightly charges. They refuse to take responsibility for their lack of action on XX/XX/2021 to protect our funds.

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 2023-09-05
Company: EQUIFAX, INC.
State: NM
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been paying on a charged off mortgage debt for several years now with Bank of America Recovery Division. My complaint is that I never receive a statement of my payments and my balance at all - never in all of the years that I have paid them have they sent me a statement. After sending BOA XXXX per week through my bank 's bill pay service, when I called to check my balance with BOA ( XXXX ), they can't account for around XXXX in payments that were transferred by my bank and cleared for payment. When I called my bank, XXXX XXXX XXXX XXXX, I was told that the payments had cleared and the checks had been cashed by BOA, yet when I call BOA to ask about payments that had been made and cleared by my bank, they can't give me any information as to what happened to these payments. 
They can't give me a check number for the payments ( these payments are sent by my bank, XXXX XXXX XXXX XXXX via check/draft ) or really any information, except that they weren't applied to my account. 
It seems unlawful to me that I have to pay on a debt for several years and not receive any type of accounting, statement, or a formal accounting of my money. 
Can you help?

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them 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 2019-01-18
Company: KEYCORP
State: VT
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:
KeyBank Mastercard promises fraud protection, but they're holding me responsible for a large unauthorized charge on my credit card account in the amount of {$690.00}. I reported my card as stolen on XX/XX/2018, the day after the transaction took place. I took the necessary steps to open a dispute and to obtain a replacement credit card. I also set up a fraud alert with the three major credit bureaus. I opted not to open a police report. 
The business that received payment is located in XXXX, XXXX. They have a website called XXXX where they sell digital, downloadable content related to music. I was unable to obtain an order ID number for this unauthorized purchase. 
On XX/XX/XXXX, they reversed the provisional credit on my account because I lost the dispute. I asked KeyBank to dispute the charge again, and then waited a month before calling for a status update - I wanted to know why I lost the disputes. Customer service transferred me back and forth between departments for a long while, and then finally explained that they were able to prove that I authorized that transaction, though they explained not how. The customer service agent then hung up on me. KeyBank never called back, and didn't send the promised documentation through the mail. All KeyBank did was provide me with a case reference number XXXX, which I was later told was useless. 
I feel KeyBank does not treat me fairly or as a valued customer. I've been using their credit card services for over nine years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Wells Fargo Bank will take inbound money transfers but will not allow outbound or have very small limits. They will do larger account transfer with a large fee

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Contacted Sears home improvement, XX/XX/XXXX regarding floor installation. I schedule an appointment to meet with a representative, but the rep did not show after 2 1/2 hours. I contacted Sears to inquire about the no show. I was informed there was a miscommunication issue with the rep, and rep would arrive within 15 minutes. The rep never showed. We rescheduled another appointment on XX/XX/XXXX. I decided to purchase the floor from Sears through rep, XXXX XXXX, on XX/XX/XXXX. I signed paper work and applied for a Sears home improvement credit card. I was informed by MrXXXX XXXX, floor would be installed first week of XX/XX/XXXX. I waited 3 weeks, no call to schedule floor installation. On XX/XX/XXXX, I contacted Sears to schedule the installation. I was told by XXXX XXXX, " trying to get a crew together ''. Return call from XXXX XXXX, scheduling installation on XX/XX/XXXX between XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX installers had not arrived. I called the office, was told by XXXX workers had " a brake line issue '' and would arrive within 15 minutes. No previous contact from the Sears office that workers had vehicle problems. I waited, no show. Contacted XXXX again, he stated workers had a 2 hour window to arrive at work site. I was not informed of a 2 hour window. In the meantime I received a voice mail message from XXXX XXXX, XX/XX/XXXX at XXXX XXXX that workers would be arriving soon. I waited, frustrated and angry, I contacted XXXX XXXX   and XXXX and cancelled the work. XXXX stated that I would not receive a refund of {$1500.00} that I was charged to the Sears home improvement credit card. It should be noted, that I was sent a bill for {$1500.00} before any worked was scheduled, and I paid {$100.00} on that bill on XX/XX/XXXX. I contacted Sears credit services on XX/XX/XXXX requesting a refund of the {$100.00} payment, and requested to close the account, but XXXX informed me that I could not receive a refund, and my account could not be closed, and I needed work out the details with the Sears home improvement in my area. On XX/XX/XXXX, Mr. XXXX contacted me to inform me that everyone had been fired from the home improvement  office and only XXXX XXXX remained. XXXX XXXX informed me that he no longer for Sears as a sales rep. In my opinion I was misinformed, lied to and deceived by Sears from the start of the transaction in XX/XX/XXXX. They were going out of business, and were in transition. I should have been informed of this so that I could have made an informed decision regarding doing business with Sears.

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 2021-08-18
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
Hi, My auto loan was paid off in full on XX/XX/2021 and in XXXX I received a late payment alert from XXXX. I contacted Chase Auto and XXXX XXXX bout the issue and provided receipts from my bank statements showing I never missed a payment &, copy of the check from the insurance company. 

I also sent a copy of the refund check of {$120.00} from chase because I was still paying my car note even AFTER my insurance company paid chase auto because I was told by a chase auto represenative that they had to update my account and that I still had to pay up until they did. This error has affected my credit scores and XXXX XXXX and chase has not been cooperative. Chase is lying saying I owe {$410.00} and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
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 did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX credit score thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
On XXXX I sent Transunion a complaint letter disputing information contained in consumer reports given by Transunion regarding XXXX XXXX # XXXX. Per Consumer Financial Protection Bureau records, you received & responded to my dispute on XX/XX/. 

Accordingly, as per the FCRA TransUnion was required to conduct a REASONABLE investigation & DELETE the disputed account as I requested before the end of the 30-day period of date which TransUnion received my letter. TransUnion received my dispute letter on XX/XX/. Therefore, their response with ACCURATE results of investigation was due on or by XX/XX/. Instead of sending me a response letter with the result of their investigation of the disputed information, they sent me a letter dated XX/XX/ claiming we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 
Transunion have willfully failed to DELETE the disputed information as I have disputed. In lieu of the disputed information, TransUnion willfully failed to conduct a reasonable investigation. Their assumption is a not valid reason under the FCRA to not reinvestigate my dispute. I directly dispute the completeness and or accuracy of information contained in my consumer file. 

As a result of your conduct described above, TransUnion shall promptly DELETE the information disputed. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, TransUnion will be held liable to me for statutory damages for their misconduct, in addition to their deletion of the disputed account mentioned, TransUnion is demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please send me documents of signed lease because I never rented from XXXX XXXX or anyone at all. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify the account. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days then you must remove this account from my credit report.

Company response to consumer: Closed with explanation