BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: NAVY FEDERAL CREDIT UNION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted Navy Federal on Saturday XX/XX/XXXX. They will not credit my account for fraudulent charges that were made to several retailers. The largest retailer being XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have contacted this collection company and disputed this charge many times as well as with the Credit Bureau directly. The collection agency has no right to place this on my credit report due my health Insurance paying both of these bills directly to the original creditor. I want the item removed immediately. There are two bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$700.00} account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00} account number XXXX I want these items removed as they should have never been reported to 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 2022-02-04
Company: CITIZENS FINANCIAL GROUP, 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:
I ordered an XXXX XXXX XXXX XXXX XXXX through XXXX XXXX with financing from Citizens Bank. Order was placed on XXXX the XXXX, item set to arrive on the XXXX, then I got a notification of a delay and availability for the XXXX. The order said I had until the XXXX  for pickup. When I went to go pick it up after waiting over an HR it was made known that my product wasn't there. I emailed the manager 3 times with no response. Called customer service multiple times, corporate, XXXX XXXX forums, XXXX XXXX XXXX as well as going to XXXX physical stores multiple times to speak to a manager. XXXX XXXX XXXX was never available. Manager at XXXX XXXX hasn't been at the store for XXXX months as I have visited multiple times hearing different excuses. Then visited another store in XXXX with a XXXX which was also no help. After exhausting my resources I called Citizens Bank. I explained what happened and what my options were which I was told they aren't responsible for supplying consoles and that I could just close the account since my efforts were leading nowhere. Days later I applied for a credit card and my credit line originally offered was reduced. It was because I received a deragatory remark from Citizens Bank with remark stating " paid by dealer ''. I called Citizens Bank and they said they'd repair it and after another 8 contact attempts with them not relieving the problem I asked to speak to, '' XXXX '' the manager. XXXX offered no assistance and gave me attitude unnecessarily. I contacted XXXX and XXXX and challenged the damaged credit from Citizens Bank. I have attempted 5 disputes with XXXX getting denied each time. I have sent a demand letter to XXXX Bank with no response as well. Citizens Bank mandates what everyone knows as corrupt when it comes to arbitration. It took me years to build my credit and I have now taken a hit unnecessarily at no fault of my own and a creditor for a new card lowered my credit availability by thousands of dollars as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Portfolio America Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Wage garnishment levy in NJ. Account numbers and amounts sued for are inaccurate. 

See attached document s Tried to object to wage garnishment by revealing incorrect numbers sequence, wrong credit card, and illegal service to employer of wage garnishment. Should have been served by Sheriff of XXXX County. 

It was mailed to employer

Company response to consumer: Untimely response
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: LA
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:
Incorrect information on my credit reports from XXXX, XXXX and EQUIFAX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XX/XX/XXXX and XX/XX/XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Medical Data Systems, Inc.
State: GA
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 approved for 100 % financial aid with XXXX XXXX XXXX. The dates of eligibility was effective from XX/XX/XXXX-XX/XX/XXXX. I went to the hospital on XX/XX/XXXX within the eligibility dates. I received a discounted bill from XXXX but not for the full 100 % with the amount remaining of {$1900.00}. I called the hospital and they said someone would look into it. This went on in a back and forth manner until I received a collections bill from Medical Revenue Service on XX/XX/XXXX. I disputed this by sending them a dispute letter and a copy of our financial approval letter on XX/XX/XXXX via USPS mail. I did not hear back from them so I assumed that took care of it. Then in XX/XX/XXXX I found it had been added to my credit report. I contacted Medical Revenue Services to explain that it was not a valid debt but they insisted it was and did not seem at all interested in the letter of approval for financial aid. I disputed this debt twice with the credit bureaus with no success. Finally, I have cleared this up with the hospital directly and have a letter that the amount in question has been adjusted to zero. This is the the second time in XX/XX/XXXX that Medical Revenue Service has done this to me. And by " this '' I mean putting something on my credit report without prior contact and/or properly verifying the debt to the consumer.

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, customers who used Simple as their bank ( backed by BBVA USA XXXX had their accounts migrated to XXXX. The conversion has been a complete trainwreck, with thousands of people being locked out from being able to create new login information and/or accessing their accounts. In my case, my account is locked after following instructions XXXX laid out via their official XXXX. Their password resent protocol does not work. And customer service isn't available until XXXX. They've had over a year to plan this conversion out, and it has been a massive failure on all fronts. Big bank bureaucratic XXXX like this is exactly why people like myself signed up for Simple in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I begin disputes with Equifax XX/XX/XXXX I received an email that the disputes were complete. 
Impossible to see them online ( their system was down ) I spoke with a representative who could not confirm my identity even though I gave her multiple correct answers. 
I spoke with a supervisor who also could not confirm my identity even though i was reading off my credit card statements the answers she was looking for. 

The only way they will mail me my dispute information was to send them 2 forms of identification through fax or mail which I will not do. 

XXXX & XXXX  were easy to deal with and resolved my disputes correctly within days. Equifax is a complete joke of a company. I can not believe they are trusted with this kind of sensitive information. Why were they not put out of business after the breach? It's clear this is not a well run organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: ERC
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: Account information incorrect

Complaint:
Information is being reported as new the account is from XXXX. This information was removed from my credit report in XXXX the information has since been refreshed and added back to my credit report as if the reporting is new. 
From research I have found that it is illegal to put information back on to my personal credit report as new ( 9 months ) when in fact this information is old and was removed 2 yrs ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Aldous & Associates, PLLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted agency to request validated and sent me a letter of unsigned contract without my info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I have a checking ( current ) bank account with the HSBC in XXXX XXXX. We are XXXX citizens. This account has been operated by us for the last 8 + years and never had a problem. The reason for having the account was to receive monies from tenants occupying our property and of whom live in the US. In XXXX one female tenant ran into rent arrears to a total of XXXX USD. She was given an account of the arrears prior to this and eventually on XX/XX/XXXXafter many texts to her and receiving her admission to pay same she paid that sum in 3 transactions= XXXX & XXXX USD onXX/XX/XXXX to complete the transaction. Two and a half months later, on XX/XX/XXXX, she drew the money from our account and had it returned to her bank thXXXX XXXX XXXX XXXX. She did this by presenting a Letter of Indemnity through the XXXX XXXX XXXX to the HSBC 'ACH ' department of which automatically returned the sum which was legally ours and not hers. The HSBC never contacted us to check with us and my efforts to achieve some form of explanation and apology have fallen on deaf ears. After many telephone calls from the XXXX to the HSBC being passed from 'pillar to post ' along with recorded calls we eventually spoke to a Relationship Manager who identified with us that the HSBC should have contacted us and he stated he would escalate the complaint. We have heard absolutely nothing and the person has failed to answer our emails. This is unprofessional conduct. Quite simply we would like that XXXXUSD compensated for in full due to negligence on the part of the HSBC along with compensation for all the distress and grief we have been put to. We want to know what the policy of the HSBC is in such circumstances and whether that has been breached. This is of major importance to every HSBC account holder in the US. The HSBC XXXX stated that it was their policy to always contact the account holder before releasing monies and their belief was that not only is it logical and common sense to do so but that the HSBC US would have to do the same. If not, then every account holder in the US should be informed of this anomaly in which case your money is not safe with the HSBC. We ask that we be fully refunded and compensated for all this trouble we have had to go to. Should this occur it will be the end of the  matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This evening on XX/XX/2021, I received numerous emails stating that a hard inquiry for a XXXX XXXX XXXX XXXX was made. I never applied for a credit card on this date and haven't for months. I froze all of my credit reports immediately. Any help would be greatly appreciated.

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 2021-12-28
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: Account status incorrect

Complaint:
1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX ) is also reporting wrong address information about me.

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 2022-02-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card balance for XXXX wras {$480.00}. Due to a typo I only paid on {$460.00}, A finance charge on the {$20.00} short pay was charged for {$2.00}. After calling the company that charge was forgiven. On the next statement for XXXX I paid the balance due of {$370.00} on XX/XX/XXXX. Yet on XXXX first they charged another finance charge of {$2.00}. They called it a residual charge going going back to the XXXX statement. I don't think this justified and out rages. Except for the one error we have never not paid our monthly balance on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Santander Consumer USA Holdings Inc.
State: WI
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:
I received an offer letter to resolve a past due balance on a totaled vehicle with Santander Consimer USA. I called and paid the settlement amount on XX/XX/2021, and received an emailed receipt for that payment. Santander has refused to update my account correctly as settled and/or paid in full, and show the correct balance of {$0.00}, to any of the consumer credit agencies. I have disputed this account with all 3 major credit agencies, and Santander has refused to update and correct the incorrect information currently shown each time. They went so far as to update my XXXX report as " closed and written off '' for a second time after that dispute, causing a second major hit to my credit score that was not only completely avoidable, but seems petty and vindictive at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have attached highlighted pictures of accounts on my credit report that are reporting incorrectly, per the FCRA they have to report correct information or be deleted.

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 2022-11-21
Company: EQUIFAX, INC.
State: TN
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 and all the accounts mentioned have violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish any account with my written instructions. These entities are not FEDERAL GOVERNMENT AGENCIES!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX is reporting an address in which I have never used? 
XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX TransUnion is Reporting a inaccurate name : XXXX XXXX XXXX XXXX is Reporting a inaccurate name : 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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently checked my Credit Report and I have noticed a lot of inaccuracies on the accounts being reported to be derogatories and having been sending prior complaints that were not being replied to by the Furnisher or being questioned by TransUnion. Thus, I am requesting your assistance to help me block or delete the items being unknown and erroneous. Also, there should be signed documents or any kind of proof to certify that both parties mentioned have conducted a proper investigation. Below are the items I believed to be erroneous and unknown. 
DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} U S DEPT OF EDXXXX XXXX XXXX : {$3200.00} Date Opened : XX/XX/XXXX U S DEPT OF EXXXX XXXX XXXX : {$3100.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$5900.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$1700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$3300.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2500.00} Date Opened : XX/XX/XXXX U S DEPT OF EXXXX XXXX XXXX : {$350.00} Date Opened : XX/XX/XXXXXXXX U S DEPT OF EDXXXXXXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$670.00} Date Opened : XX/XX/XXXXXX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX  Date of InquiryXXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief