BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # xxxx xxxx xxxx XXXX, xxxx xxxx xxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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:
An Investigation was concluded but there wasnt a means of listed as to HOW they retrieved this information and who they SPOKE WITH TO VERIFY this. I NEED ACTUAL COMMUNICATION for this concluded VERIFICATIION Account Name XXXX XXXX XXXX Account NumberXXXX Account Type Debt Buyer This item was updated from Expeian processing from dispute in XX/XX/2021. 
Completed investigation of FCRA dispute - consumer disagrees. 
Original Balance {$590.00} Highest Balance {$0.00}

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 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called TransUnion to place a fraud alert on my credit and used their automated phone system. After answering their prompts to place the alert but before the alert process was complete the phone system offered a 30 day trial of TransUnion 's credit monitoring service at $ XXXX. This initial offer was short and required pressing 1 to accept or 2 to decline. Upon declining the phone system went into a long commercial for the service that begins with, " Are you sure you do n't want to protect your credit? ". This commercial lasted > than 30 seconds ... I hoped that pressing 2 would be the decline option and just pressed it before the commercial ended. 

This is an inappropriate use of the fraud alert protections and should be stopped immediately. The credit reporting agencies should not be able to intrusively market their own services to consumers who are forced to call them.

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 2020-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a check to Bank of America with my normal mortgage payment. The check was for {$100000.00}. I designated on the form that {$1400.00} was to go to my normal mortgage payment and the remaining {$100000.00} was to go to principal. The check was verified by my bank to be cashed by BOA on XX/XX/XXXX. The {$1400.00} was correctly applied to my loan. The remaining balance does not show in my account and my attempts to find out what they did with my money has been unsuccessful. I am the one that has to follow up as they have made no attempt to reach out to me. I finally got someone to fill out a case that would go to their research team. It has been 3 business days and I have no information. I keep getting told to give it more time. There is zero sense of urgency to locate my funds that were cashed by the back almost 2 weeks ago. I have also filed a complaint with the bank through their feedback option on their mobile app. They have all the information including a copy of my check showing they cashed on XX/XX/XXXX. I don't know what else to do.

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 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX XXXX & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2021-09-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, an unauthorized transfer from my active checking account to my share savings account was done for {$100.00}. I called Navy Federal Credit Union on XX/XX/2021, @ XXXX XXXX  CST. I spoke to a very rude representative about the issue and she bluntly stated " You made a transfer for {$100.00} '' I stated that I never made that transfer and when a customer makes a transfer the transaction color font is the color " green ''. When a transfer is made by the bank it's the color " Black ''. The agent rudely stated NFCU can make transfers at any time, and I stated for what cause knowingly the account is current and not on a negative status. I requested a manager and she refused. 
This bank takes customers ' money and moves it around for reason, and declines to explain to why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX IS VIOLATING THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT '' ESPECIALLY TITLE X. THIS IS WHY MY CREDIT REPORT IS BANISHED, THEY CAN NOT HANDLE THIS LAW.

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 2018-02-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX Equifax, XXXX and Equifax has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am closing my savings account with Capital one because I believe that I can't trust Capital one bank as they had allowed a Merchant to fabricate and take funds out of my account of {$150.00}, I contacted the FBI, Comptroller of Currency and the Federal Trade Commission. Therefore I am closing my savings account and want Capital one to close it permanently. This is a new complaint. 

I believe that Capital one is in conspiracy with XXXX XXXX XXXX and a member of the XXXX XXXX XXXX member organization with the Merchant, XXXX XXXX, and co conspired to steal {$150.00}. Capital One Bank and XXXX XXXX pay a fee to XXXX XXXX XXXX  to receive A+ ratings to defy consumers who have complaints against these businesses. Capital one bank did a fraudulent investigation regarding my dispute and allowed a Merchant to steal {$150.00} out of my account which I have no control. 
I have emails from XXXX  President that a refund is a return from XXXX XXXX of {$150.00} however Capital one is going to return the refund back to XXXX XXXX  ( See attached ). 
Another email XXXX XXXX sent to XXXX XXXX XXXX CEO ( See attached ) It is all a scam- Capital one is a part of a scam and I can't trust them with my money because they are a part of XXXX XXXX XXXX making deals because they are members of XXXX. The customers are not important, Capital one needs to be investigated for poor practices and policies. 

I believe that Capital one discriminates against the protected class, too. Capital one bank needs to be investigated for their practices and their connections with the XXXX XXXX XXXX I received a letter from the XXXX XXXX XXXX President that the money is going to be return back to me from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 away XXXX to XXXX of this year an ex-girlfriend looks to be responsible for several unauthorized charges on three of my credit cards who continue to report negative status to all three bureaus in violation of the fcra rules when it comes to unauthorized charges. This is negatively affected my life and it's starting to compile and snowball other cards and I've heard stories of where it's heads and I'd like to see pfb to enforce the rules that it's put together to enforce and have the banks comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: OH
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 was looking into a home purchase when I had my credit pulled last month and I found Fraudulent inquires and accounts with companies I have never applied for business with and I do not recognize these companies. I am not sure if someone is using my name for utilities or added me on accounts they are definitely not accurate. 
The following accounts are fraudulent please remove/delete : 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX # XXXX 3.XXXX  XXXX XXXX # XXXX 4.XXXX XXXX XXXX  XXXX XXXX 5.XXXX XXXX # XXXX Unknown inquiries : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, yesterday, XX/XX/2023, I attempted to use my Navy Federal credit union online mobile app for a check that I needed to deposit. I have been banking with them for almost 20 years. I am a private XXXX. Interestingly, I investigate fraud. I cash my checks from other private investigative companies, and usually the same ones. I scan and upload my checks the same way every time and have never had any issues.

My deposit was denied five times in a row, and the only reason the email gave was very vague. So I called Navy Federal and they put me on hold for about 30 minutes because the associate did not understand why my check was denied either. She indicated that her and her fellow employee could not understand why my check was flagged and they both saw that it was from the same company that I cash checks from. She told me that she shouldnt be telling me this, but they have been having glitches all day and they had a system update. 

She told me that my mobile app would not allow me to cash checks, and I have no idea when it will allow me to. So luckily, there is a XXXX in XXXX, but I travel a lot and now Im not able to cash my check anywhere until I get back into town this is absolutely ridiculous and they still have not responded to my email requests to unlock my deposit feature on my mobile app.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns XXXX XXXX account # XXXX was sent to a collection agency named XXXX. The phone number for the collection agency XXXX was provided to me by a customer service representative from Conns, Ive called XXXX at this XXXX several times, no one answers the phone and it will ring until eventually going to a voicemail, voicemail message asks you to leave a message with your contact info and a brief description as to what the call is about. I have left several messages ( at least 8 ), I have included in my messages my contact info and the account info for which I am calling about. I have yet to receive a call back from XXXX. All I am trying to do is settle my debt and have the negative mark in my account deleted, and have XXXX report to the credit bureaus that my account is paid in full. I am baffled at the fact that it is so hard to get to speak with someone at XXXX or even to get a phone call returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is currently not showing a credit number for me. The other two companies are. The company has told us if we get a membership we could " boost '' our credit. We tried this option and they want to connect to our bank account and we do not feel comfortable with that especially considering their recent credit breach. BUT we tried anyway to " boost '' our credit and they do not support my credit union. I feel like this agency 's practices are not ethical. In addition the agency 's are showing that my mortgage was discharged in bankruptcy and it was not. I still live in the home, my name is on the bill and I pay the mortgage every month. They also told us getting their credit card could help. I applied and was approved, again a conflict of interest and ethically questionable. How can the credit agency make these demands to give us a credit number?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take 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 several 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 2023-07-12
Company: EQUIFAX, INC.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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:
This is XXXX XXXX ands I am submitting this CFPB complaint as a follow up to the previoue CFPB complaint I submitted on XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX and I am including these items once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Information belongs to someone else

Complaint:
I have contacted experian multiple times in regards to fraud accounts reporting on my credit report. I have provided them with an FTC report and a Police report in regards to these fraudulent items but they fail to comply and are violating my consumer rights pursuant FCRA 605B ( 15 U.S.C. 1681c-2

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