BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the following Date XXXX XXXX Navy Federal Credit Union withdrawn payment of {$1100.00} from savings account to apply towards an charge-off unverified debt of {$12000.00} for a credit card account after Navy Federal Credit Union passed debt off to third-party agency that could not collect on the debt and ceased debt collection practices. 

On XX/XX/2022 filed a complaint with CFPB ( Complaint # : XXXX ) and XXXX XXXX XXXX to report Navy Federal Credit Union for fraudulently withdrawing funds from savings account and reporting an unverified debt to credit reports with inaccurate information XXXX, XXXX, and XXXX. 

On XX/XX/2022, Navy Federal Credited the {$1100.00} back to savings account and reported charge-off unverified credit card account as delinquent as of XX/XX/2022 to XXXX, XXXX, and XXXX on credit reports. 

Credit Score was decreased by several points. Navy Federal Credit Union are conducting unfair reporting practices under the Fair Credit Reporting Act to destroy credit score and financial reputation. This is retaliation for reporting their wrongful actions for withdrawing money from savings account to collect on unverified debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
This morning around XXXX of XX/XX/2019 I withdrew XXXX $ from a gas station ( its maximum withdrawal amount ) and went to XXXX to withdrawal another XXXX for a total of XXXX at around XXXX XX/XX/2019 however it wouldn't go threw and now have a fraudulent suspension on my account I need to pay rent today and my phone bill and I've been on hold for as of XXXX with no answer. I've been doing this same thing for the last 7 months living down here in Texas and this is my only issue but its a big one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This address is not mine, please delete 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
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:
I had a checking account with Wells Fargo in 2011 and my money kept going down for no cause reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2018-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
As usual, Capital One makes sure that their customers are very unhappy. I just called because I am facing hard time resetting my password and all I got was an unprofessional, unethical person who at the very end make sarcastic comment and hung up. 
In addition, Capital one has been failing to locate/dispute electronic balance transfer and lies that they spoke to XXXX and it applied to my account when it has not and they have not proven otherwise. 
Won supervisor ( FL )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The XXXX XXXX loan trade line on my Transunion credit report needs to be removed from my credit report. It is an illegal loan in the state that I reside in ( Indiana ). The XXXX   XXXX XXXX is not a licensed consumer loan, small loan, or payday loan lender thru the Indiana Department of Financial Institutions. Any loan that is originated in the state of Indiana without the proper Indiana loan license are to be considered null and void, and as a result, are uncollectable. 

I have attached the Cease and Desist Letter that the Indiana State of Indiana Department of Financial Institutions has posted on their public website XXXX. I have also attached the list of the 30 licensed small loan lenders for the state of Indiana that shows XXXX XXXX XXXX does not have a license to lend in Indiana. 
Please remove the trade line on my credit report from 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 2022-03-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am now in loan modification for XXXX month. But I dont want this because this the only bad option I had. I got help from XXXX XXXX in Illinois. And XXXX will help me next month and will pay all my debts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Approximately 6 years, I opened a Chase Bank Teen Account for my XXXX year old son so he could get direct deposit and have an ATM card. I was a co-owner of this account. All was well until XX/XX/2019. My son, now XXXX, is an XXXX XXXX  and uses APPs for deposits into his account. He became the victim of fraud by unauthorized withdrawals from his checking account, for {$900.00}, {$600.00}, etc. He contacted the bank and these withdrawals were reversed. He did not even have a balance to cover such withdrawals. Approximately XX/XX/XXXX, all was well with his Chase Account, then on XX/XX/XXXX, {$600.00}, {$400.00} and {$100.00} were withdrawn from his Chase account from an APP called XXXX. He contacted Chase and Chase told him since it was his APP, they would not reverse the charges. Once again, he did not have money to cover with fraudulent withdrawals which were not his. First, I don't understand why Chase would allow such withdrawals when there are insufficient funds in his account to cover such withdrawals. On Friday XX/XX/XXXX, I received a text from Chase stating my checking account had a low balance. I logged on and seen that Chase had transferred ALL my money into my sons account towards his negative balance. I called Chase and spoke to three customer service reps to no avail. Chase said they would give me MY money back if I signed an payment arrangement which I refused. I went to Chase on Saturday XX/XX/XXXX to speak in person to a Chase banking rep. I was told that since my name was on my son 's Teen Account, they had authority, without my knowledge or permission to transfer my checking account funds into the Teen Account. I am beside myself. First my son 's account was robbed, then my own personal Chase checking account was ROBBED by  Chase. Chase said they emailed and/or texted my son XXXX about his negative balance, however, if I was a co-owner of the Teen Account, I should have been afforded the same courtesy, a text or email so I could contact the Chase to find out what was going on. I don't fee this was right, to just empty out my entire checking account and leave me with a XXXX  balance when I had insurance payment ( s ) coming out. I had no choice but to close my Chase Account because I can not allow Chase to just transfer funds without my knowledge or consent. I feel a complaint is totally justified because as a co-owner of my son 's account, I deserved notice of the impending transfer which Chase refused to put back into my checking account, leaving me penniless until my next payday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX I loaded {$300.00}. When I went to spend it online, all my charges were declined. 
I called and XXXX said it went to fraud dept but they wouldn't tell me what was going on or what the charges were. I told him to just close the account if I can not spend my own money. XXXX closed the account and told me it would take 7-15 business before I received my refund check. 
On XX/XX/XXXX I called back and spoke to XXXX. She said the check was processed on XX/XX/XXXX to give it 48 more hours. 
On XX/XX/XXXX I spoke with XXXX, she said check was mailed XX/XX/XXXX. A specialist would call me by XX/XX/XXXX. No call and still no check. 
On XXXX XXXX said they cancelled the first check and were issuing another # XXXX I told her I wanted to speak to a manager. SHe left me on hold & eventually the system kicked me out. 
I called back and DEMANDED to speak to a manager. I got XXXX who said she was a supervisor. She told me somebody would call by XXXX to issue a check TODAY. No call AGAIN. 
I called back again on XXXX XXXX, another supervisor, said he was waiting on a computer update about my mystery check they allegedly sent. A specialist would call within one or two hours. 
I am writing this on XX/XX/XXXX, six weeks after the initial fiasco began and still no check. 
I will follow up this complaint with as many complaints and agencies I can find today. This has been a nightmare experience met with foreigners and incompetence answering the phones and repeating the script like good little slaves. 
The desired resolution is the return of MY MONEY into MY ACCOUNT. 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 2022-11-10
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 2022-03-10
Company: Resurgent Capital Services L.P.
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:
While checking my credit report, I notice an account from LVNV Funding LLC, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to XXXX and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that LVNV Funding LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Bridgecrest Acceptance Corporation
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Bridgecrest illegally repossessed my car in XX/XX/2023. They sold the car for XXXX and I I owed XXXX. They sent I paperwork first that I owed XXXX and then XXXX. Complaint to XXXX received an rejection or accepted to XXXX for which they owed me. Never received any corrected paperwork. Ive tried to communicate cant get a manger its been 4 months and still no understanding why I havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, I submitted an Identity theft report, FTC # XXXX to XXXX, XXXX and TransUnion advising of the fraudulent accounts listed. The accounts are as follow : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX and Transunion have ignored this very serious matter. I also wrote to the XXXX mentioned agencies on XX/XX/XXXX and have not heard back, this matter is still unresolved and in clear violation of my rights as an CONSUMER. I demand for the above listed accounts be removed from my credit profile.

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 2023-06-07
Company: BARCLAYS BANK DELAWARE
State: OR
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 received a hard inquiry with XXXX on XX/XX/2023 for Barclays Bank Delaware and this was not me. Someone used my information to attempt to apply for a credit card with this bank. I called the Bank on XX/XX/2023 and advised them this was fraud and they notated it are reported it.

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 2020-11-03
Company: Experian Information Solutions 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:
I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.

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 2019-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Fraudulent account identity theft 
XXXX XXXX es
Open XX/XX/18
Amount unknown

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
General Revenue Corporation has a loan of mine that has expired by the State of California Statute of Limitations ( let 's say in the amount of {$1000.00} ). They have recently filed a derogatory mark on my credit in the amount of {$83.00}, which is much less than the amount of the expired loan. When I contacted them regarding the loan, they couldn't give me any information about where this {$83.00} amount came from, but stated the amount of the loan was the amount of the expired loan ( {$1000.00}, in this example ). 

They won't let me pay off the {$83.00} for the derogatory mark to go away, and instead want the {$1000.00} which has expired. I'm concerned if I pay {$83.00}, this will count as a payment towards the {$1000.00}, which could reset the statute of limitations on that loan. 

I would like to 1 ) Know why I owe the {$83.00} ( willing to pay that off, if it comes to it ) 2 ) Ensure that I'm not resetting the statute of limitations on my {$1000.00} ( ish ) loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Name : XXXX XXXXXXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

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 2021-11-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter reporting inaccurate things on my credit report. I understand that due to the corona virus, the consumer reporting agencies have 60 days to respond to my letters. It has been over 60 days and they have not responded back. Section 611 ( a ) states that failure to investigate these disputes properly within the 60 day time frame should result in the deletion of these inaccurate items. These items should be deleted as soon as possible. If they are not, I will pursue legal action as my rights as a consumer are being violated. My information was also impacted by the Equifax Data Breach. It is possible that my information has been accessed my someone else.

Company response to consumer: Closed with explanation