BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, the Navy Federal Credit Union, XXXX, MD, accepted a check fraudulently drawn on my bank account at XXXX XXXX. The original check was signed by XXXX XXXX, my spouse/joint account owner, and made out to XXXX in the amount of {$34.00}. The check was altered, naming the payee as XXXX XXXX, with an amount of {$6800.00}. My wife 's signature was forged. Navy FCU stamped the back of the check with " XXXX. '' Upon discovering the forgery, my wife and I notified XXXX XXXX, produced affidavits, etc. So far, XXXX XXXX advises that we pursue relief from Navy FCU. Navy FCU has been aware of this fraud since at least XX/XX/2021, when they contacted me about it by automated voicemail. Despite my many attempts to contact Navy FCU about this, the FCU has refused to discuss it. It appears the NAVY FCU payed the check without adequately confirming the payee 's identity. If XXXX XXXX has or had an account, then FCU should have recovered the funds from him upon discovering the fraud. If XXXX XXXX was not a customer when the check was presented, Navy FCU should not have paid it. Another possibility is that a person other than XXXX XXXX presented the check. I would appreciate your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
XXXX reported a late payments while I was in a military status on duty and did not furnish documents to me pertaining to a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

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 2021-02-25
Company: WELLS FARGO & COMPANY
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX, and Wells Fargo Card. The Account Opened is XXXX XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Wells Fargo Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
YOUR COMPLAINT On XX/XX/2018 I withdrew USDT from my XXXX account and transferred it to Coinbase. I should have changed the coins back to XXXX before transferring, I know it was my mistake. It was {$9200.00}. I contacted XXXX and they said there was nothing they can do because the funds left there and went to a coinbase address. I contacted coinbase and here is the response I got back from them. Good day! Thanks for hanging in there while we investigated this case. Prior support personnel were correct in their assessment. Under no circumstances is anyone encouraged or allowed to send digital currency that is not accepted by Coinbase, as these funds will be not be capable of being retrieved. For more info feel free to peruse here. XXXX XXXX XXXX XXXX My apologies that there isnt more we can do. Have a great day, and thanks for using Coinbase! XXXX Coinbase Support I contacted USDT XXXX ( the coins I sent ) and they said they would work with Coinbase on retrieving the funds. This is the response I got from tether who said they would help, but coinbase still refused to pull back the funds. Dear Coinbase support, I have unfortunately accidentally transferred XXXX  USD to my Coinbase address XXXX   Unfortunately while you may not directly support these funds they are still now owned/controlled by this address you control. The XXXX team is more than willing to work with you on the recovery process if you will work with them. Can you please reach out to their representative at XXXXto for additional information on how to recover and return the funds.

OnXX/XX/2018 at XXXX   PDT XXXX <XXXX> wrote : I sent USDT from XXXX to Coinbase by accident. How do i get my money back to XXXX? address : XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the Equifax data breach and those accounts need to remove ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax I have contacted you 7 times to remove old out dated or just not mine information 7 times by fax and phone You have address that are not mine that you will not remove 3 address .XXXX , XXXX , XXXX XXXX XXXX this is a partal address you have it on file. Also you are reporting XXXX XXXX And XXXX XXXX XXXX   they were to to be removed but you have not done so please remove them inquires there are 4 I never made .I will fax you the information with the CFPB case Number on it this was posted on XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person XXXX Therefore reporting these accounts as a tradeline is a violation of 15 USC 1692e the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the XXXX, XXXX, Transunion is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment

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 2018-05-17
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had my current XXXX XXXX XXXX Business Credit Card since XX/XX/XXXX. In the last couple of years I have been having increasing issues with the account being incorrectly put on a fraud hold not allowing me to use the card until I call their fraud protection team to remove it. Each time I spend about 15 minutes on the phone to have them go through a list of charges, which all are valid. In the last 6 months this issue has increased to an average of once every 2 weeks. I have not had an issue like this with any other business or personal credit card before. 

For documentation the most recent times I have had to call in was. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thanks. 
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 2023-01-03
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
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:
There are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The interest rates we are charged are shark loan types. Our highest interest rate is 14 %. The lowest is 8 %. Our original loans were XXXX and now we are up to almost {$200000.00}. We can't consolidate because my daughter didn't graduate. We did find someone to consolidate but our debt to income level was disproportionate. I am nearly XXXX and XXXX in debt is insurmountable. I will pay it. I would just like the interest rate to stop. Haven't I incurred enough interest? Additionally ... I lost my job in 2011. The student loans were too much and I filed for bankruptcy. Somewhere along the way they didn't include one of the loans. I wasn't aware and now we are in default. They want immediate payment. I don't have enough to come up with the amount they want. I would like to just refinance all of it and pay it all if I could. I am not trying to get out of it. Just make it reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home with XXXX and closed on XX/XX/2011. My mortgage is financed through Bank of America. I have paid an extra {$50.00} every month for the last seven years. I was not initially told about this required payment and every time I call I am told a different date as to when it will stop. Today I was told I signed a disclosure indicating that I would agree to pay this amount for 7 1/2 years. When I asked for a signed copy of the disclosure, I was told their records show that the disclosure does not have my signature on it. I also called Bank of America and was told they too could not find any documents in their records requiring me to pay this fee. I am requesting that the payments stop immediately and I am refunded any and all fees paid to XXXX as this was without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: TN
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/2018 I was notified by XXXX  XXXX that there was a " recent '' hard inquiry from a company doing business as XXXX XXXX XXXX that appeared on my Equifax credit report. I immediately XXXX this company to inquire on who they are. I contacted them on XX/XX/2018 to check into this matter because I did not authorize a credit check of any sort from this company or any other company in the past 9 months. XXXX XXXX XXXX apologized and claimed that these unauthorized inquiries happen often. They advised me to contact the credit bureau that shows this inquiry to have it removed. XXXX XXXX claims that they are not a " creditor '' and are not able to get this removed. At that point, on XX/XX/2018 I contacted Equifax about this matter. Equifax told me that they are unable to remove this unauthorized inquiry and that I needed to contact XXXX XXXX XXXX to initiate the request for removal since XXXX is the company that pulled my credit report without my authorization. From that point, which was XX/XX/2018 I have spoken with several people from both companies and neither are willing to fixed this problem. They both continue to tell me that the other needs initiate the process to have that inquiry removed. At this point, I personally feel that Equifax should take the high road and remove this unauthorized inquiry from my credit report. My dispute confirmation number with Equifax is XXXX. I was never given a case or complaint number with XXXX XXXX XXXX as they explained to me that Equifax would have to initiate a case or claim on my behalf prior to their fraud dept investigating my claim of fraud. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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. 

XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  acct. # XXXX, XXXX formerly XXXX acct. # XXXX ..., XXXX XXXX # XXXX, XXXX XXXX  acct. # XXXX, XXXX XXXX. store/ XXXX  XXXX acct. # XXXX, XXXX XXXX XXXX. acct. # XXXX ..., XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. acct # 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 explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: Financial Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They are threatening me for a debt with from A company called XXXX XXXX. If I do not settle this will be sent to a law firm in my area.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
State: DE
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:
I have recently been reading up on 15 USC chapter 41 as it relates to credit. I understand that any transaction that arose from the use of a credit card must be excluded from my consumer reports. I also understand that a credit card is defined as any card or device use for the purpose of obtaining money, property, labor or services. I disputed these items OVER 30 days ago and my dispute was ignored which is a violation of the FCRA. 

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. 

Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 

The following accounts need to be removed immediately : 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 2022-12-18
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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 several unauthorized fraudulent inquiries on my credit report. These inquiries were done fraudulently and without my authority. These inquiries are fraudulent and we're done without my authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the past a few years. I was charged on average XXXX-XXXX  dollars a mouth for Overdraft fee. I ran a XXXX XXXX, and need the daily sales come in to cover the daily cost. And often my balance run low where overdraft will happen overnight. 

The Order of Sequence for the Debit and Credit transactions : Chase ALWAYS DEBIT the ACH charges first before CREDIT the income on my account. Which I have will always been charged overdraft fee though I have positive balances in the morning. 

Paid {$34.00} fee for a overdraft transaction of a few dollar or less : if Chase paid a big transaction I currently don't have the money for, I may still consider it helpful. However, Chase always returned the bigger payments which I needed when balance was low. and choose to pay the small little transactions often cost me multiple overdrafts in one days.

Company response to consumer: Closed with monetary relief