BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card ending in XXXX - was fraudulently used overseas to withdraw funds on 5 different occasions. Totally more than {$2400.00}. I filed a dispute with Navy Federal and the same day my claim was denied because they found no error due to my account activity? I believe my debit card was skimmed when I attempted to withdraw funds when I was in XXXX XXXX but the machine could not read my card and spat out my debit card. Now I am out more than 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 2018-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates stated that an account and its proceeds were sold, assigned, and transferred by the seller on XX/XX/XXXX. They stated the seller provided an electronic file of its business records concerning this account. Their office considers this matter closed. Despite request to PRA in  XX/XX/XXXX, XX/XX/XXXX to all three CB, XX/XX/XXXX to all three CB, XX/XX/XXXX to PRA, they will not furnish any data that states that this debt is MINE and most importantly they dont have a signature or contract with me to report on my credit. I have made numerous attempts to resolve this inaccuracy and they WILL NOT send me proof.They are breaking the law by reporting inaccurate data to XXXX, XXXX, and XXXX. PRA is in Violation of the FDCPA ( including but not limited to Section807-B ) and the FCRA ( including but not limited to Section 623-b ). I have yet to be provided with the following information : 1. Evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.What is their authorization of law for their collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Provide evidence/proof of the alleged debt including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi CFPB, I signed up for a Wells Fargo Everyday Checking account with a promotional code stating that I would receive {$320.00} if I performed a direct deposit into the account of {$1000.00} or more within 90 days. The account was opened in XX/XX/XXXX and the direct deposit was made in the same month. However, it is now XX/XX/XXXX and I have not yet received the promotional bonus. I've attempted to resolve this with Wells Fargo but they have not been cooperative. Could you please help to resolve this case and credit my account for the {$320.00}? 

Thank you, 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 2021-11-18
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:
REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from Experian, XXXX and XXXX stating indirectly that they will not give the information that I requested under FCRA 609 and 611 Experian has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021.

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 2023-03-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CITIBANK, N.A.
State: FL
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 was sent an upgraded credit card from Citi Bank. I called in to activate it on XX/XX/XXXX which should have closed my old account. On XX/XX/XXXX my old card was used for 18 purchases, 15 of which were to a gov't agency in XXXX and 3 Auto places in XXXX, for exceeding my credit limit. I was never notified of this. I discovered it when I called in on XX/XX/XXXX to check my points. I immediately reported this to the Fraud and Security Department. They initially only tagged 3 of the items. I have since called and keep getting nowhere. I have received no communication from them at all. I have asked for correspondence and they have refused. I keep getting different answer as to why these other charges are not flagged under investigation. I received my statement and it says i owe {$12000.00}! Of that total only legally {$670.00} is mine. I even went to the branch bank and they were appalled by the communication via the phone to me. This has now been going on a day shy of 1 month and I still have no communication via text, letter, or email from them. My XXXX XXXX has dropped over XXXX points because they reported this amount to the credit bureaus. I was promised a letter would come today via email saying this was under investigation and nothing has arrived. I am at loss as of what to do next. Any other credit card company would place disputed items in a credit status while they investigate and send correspondence. Some of the agents i speak with are horrified when they look at this and can not figure out why this has not been resolved. Please 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 2023-12-12
Company: EQUIFAX, INC.
State: FL
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 am writing to bring to your attention an issue I have encountered with my credit report. I noticed an unexpected drop of XXXX points in my credit score, which I couldn't attribute to any financial action on my part. 

In an attempt to rectify this situation, I reached out to your customer service team. However, they informed me that they were unable to locate my information in your company profile. This was surprising and concerning, as I have been actively monitoring my credit through your services. 

Despite my efforts to resolve this issue, it remains unaddressed. The unexplained drop in my credit score is causing me significant distress and potential financial harm. I am concerned about the accuracy of my credit report and the potential impact this could have on my future financial endeavors. 

I kindly request your immediate attention to this matter. I am hopeful that upon receiving this information, you will be able to identify the cause of the score drop and rectify any inaccuracies in my credit report. 

I look forward to your prompt response and resolution of this issue. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
Problem : XXXX XXXX sent negative status ( unpaid bill ) to all credit reporting agencies w/ incorrect balance of {$220.00}. My account was paid in full on XX/XX/XXXX ( {$140.00} ). 

History : XX/XX/XXXX : My online account requested security confirmation for access. I could not use my phone on file - since it was inactive. Fraud Protection Rep was unable to send a security text to my valid cell phone. After providing many key personal information rep still refused to give me online access. I refused rep 's final option to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( on file ) - as I requested. 
XX/XX/XXXX XX/XX/XXXX : I made four calls to Customer Service. My account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( on file ) per my request. A CS Supervisor finally AGREED to mail me my bill - but in my opinion - was prevented from doing so. 
XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 
XXXX mail : I finally received my final bill statement w/ listed total = {$140.00} = all my valid expenses..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX 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. 

Also, XXXX XXXX XXXX and XXXX XXXX are reporting XXXX different account numbers : XXXX XXXX XXXX account # XXXX in XXXX and XXXX in XXXX and TransUnion XXXX XXXX account # XXXX in XXXX and TransUnion 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-02-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX Synchrony Financial Bank closed my HSN credit card just because I did not own a home and that is descrimination against non home owners .... This card I had since 2013 AND EXCELLENT PAYMENT HISTORY WITH XXXX  XXXX  the previous owner of card or issuer before this troublesome bank.

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 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have made several attempts to remove unauthorized inquiries from my TransUnion Credit report. They had several different name profiles on my credit report that do not belong to me. I have called several times to have these removed. With previous fraud alerts on my credit report, they are still refusing to remove my inquiries. The Following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and 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 explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
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.

has violated my rights. Or list of inquiries 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 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-29
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Chrysler Capital intentionally drew an overpayment on XX/XX/2021 for the final payment on a 48 month auto loan. The final payoff amount should have been {$610.00} and instead of this amount which was printed on their invoice and was the amount verbally given by their representative as the payoff their automated system withdrew {$1200.00}. When I became aware of the extra amount withdrawn I contacted Chrysler Capital and was told by their representative that the acknowledge that they were overpaid but they would not be issuing a refund XXXX {$620.00} ) for the overage incorrectly drawn by their system until XX/XX/2021 more than a month after they wrongly overdrew their payment. I verbally explained to Chrysler Capitals representative that if I owed them money Im sure they would turn me over to a debt collector if I delayed their payment by a month. 

I believe that they have intentionally programmed their system to fraudulently overpay themselves and that they are then intentionally delaying repaying the funds the have fraudulently obtained to give themselves a capital cushion. I paid the entire loan on time for four years using a bank auto draft and I feel like they do not have a legal right to hold {$620.00} of my money for 21 days beyond the date they have told me they will send me the vehicle title. I do not believe this is an accident on their part, I believe that they have intentionally programmed their system to achieve additional payments they are not entitled to receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
They have bankruptcy on my report its 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 2023-08-11
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I paid this statement off in XX/XX/XXXX or there about. The account should have been closed. I have no more need for it. It was paid in full. 
XXXX Synchrony bank/Care Credit reported negative reports to the credit bureaus, therefore causing my scores to drop which i am working to build. 

This is erroneous reporting since I had already paid it off and closed.

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