BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Navy Federal Credit Union XXXX credit card has a due date of XXXX every month. I am given 3 day grace period. Therefore my statement ending date is the XXXX. This month I made a payment towards my balance of {$2000.00} on XXXX  XX/XX/2022. The {$99.00} minimum payment was made in the morning while {$2000.00} was made in the evening. These payments were taken out of my account instantly. 

Navy Federal released my XXXX statement on XX/XX/XXXX. They did not take into account either of my XX/XX/XXXX payments stating that my payments were made after XXXX XXXX  on XXXX. This is not accurate as the {$99.00} payment was made before XXXX on the XXXX. The {$2000.00} was made in the evening. But even then NFCU, took out the money instantly and should have recognized revenue on the date they earned it which is the XXXX. This is an abrogation of XXXX revenue recognition principles. 

I called NFCU on the XXXX to point out that I was concerned my payments were not being reflected accurately. They told me I should wait until Tuesday once the amounts have posted for them to release a new statement. I called on Wednesday XX/XX/XXXX. The statement was indicating that the payments were made on the XXXX. This is a misrepresentation. They refused to redo the statement. 

I would like them to redo the statement to reflect the accurate economic reality of my credit card transactions. Their action if left unaddressed will harm my credit scores and hinder my prospect of getting financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my OTHER 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 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 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
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: AL
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 contacted XXXX, equifax, XXXX for my credit report and I received XXXX report I called them and asked them who reported the XXXX  XXXX bankruptcy  on my credit report and they said XXXX Bankruptcy XXXX  in XXXX Al so i went to the clerk office and asked do they report to they report to the credit bureaus she said no so then I called the other XXXX credit bureaus and they gave me the same Information XXXX did. I want to know who reported the XXXX  XXXX because I have a letter stating they do not report to no credit bureaus or credits agencies. I want them disputed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX and XXXX Credit Bureau are reporting inaccurate information on SYNCB/SAMSDC with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2023-08-14
Company: Experian Information Solutions 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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 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 2021-12-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
XXXX XXXX I deposited a money order for the amount of XXXX XXXX times XXXX different money orders my account was put into the negative XXXX $ I contacted the bank in regards to my account customer service stated I can not deposit money orders into the bank and the money will not be funded to my account that I will have to bring cash and was hung up on upon the call. I then contacted the bank again regarding my transaction and was told their was a hold placed and will not be removed I was again hung up on via phone I am not receiving any service in regards to my money or my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This problem is from a mortgage company called mr cooper. The first issue was with the first loan officer who did do his job properly which pushed our process of closing on a property a month later. Second issue happen after getting everything caught up and all parties agreed upon waiting for later closing date. I paid for inspections, and also a down payment on property as advised. which money I loss as well with out being at fault. However day of closing at attorney 's office with the pen in my hand to sign for home for me and my family, closing attorney tells me to call loan officer because we are waiting on closing paper. So I called, and my heart and my humility was tarnished after mr cooper tell me loan was denied because of an " GAP '' check. An old account on my wife credit that was resolved. I called mr cooper and asked what is the process of a gap check ( when is it done ) and was told three to seven days prior to closing. I feel I was treated unfairly and did not get any of the money I have loss. On the day of closing! I have proof of all documents closing dates everything needed to get this resolved please help me and my family. Not mention they have a FHA rejection on me and my wife account which is making it hard to apply for another mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 is not mine 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 2023-04-11
Company: Amsher Collection Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 8 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX - - - XXXX C - - - XXXX XXXX - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - C - - - XXXX - XXXX - - - XXXX - C - - - PAYMENT HISTORY XXXX  Status - Status updated XX/XX/XXXX Past due amount {$270.00} Original balance $ 0 Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Information belongs to someone else

Complaint:
I sent a letter to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-12
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:
I sent a letter to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I see inquiries on my report that shouldnt be there there from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/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 2023-10-30
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/ Car accident I occurred and tow company charged XXXX when the charge for towing is stated to be {$120.00} for vehicles under XXXXXXXX XXXX 

XXXX provided moving truck that overheated and had to bring XXXXl back. Credit or refund was not issued and getting run around from truistXXXX XXXXXXXX concerning whole incident. 

Attempted to contact truist and have not been provided with an address to send a written dispute /fraud not any provisional credit.

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 2022-11-01
Company: EQUIFAX, 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:
Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Reporting company used your report improperly

Complaint:
Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. it also shows that this company have sold my info to numerous 3rd parties. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.

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 2023-12-08
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was hacked and scammed for bit and bits of money at a time and when I finally noticed it and tried to dispute it thru my bank they were acting like they were on my side and was going to help I tried to contact then along the process the just got more and more aggressive with me even though I was as respectful as I can be, over {$7000.00} dollars have been taken from my account theres even sports betting on there and I still get denied they should know that Im not XXXX how can I possibly be sports gambling. They were overly rude and unhelpful.

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 2020-01-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
First, I had problem getting my credit report. They ask questions and I know that I answered them correctly. Then they wanted me to verify my identity by uploading my drivers license and a bank statement via online. The files were well under the size limit this did not work Subsequently, they did send me my credit report.

Now, I am trying to lift a security freeze on my account temporarily. I know that I answered the questions correctly. I called my bank and got the term length of my auto loan. The second question was the bank of my auto loan. Obviously, I knew that because I just called. The last question was the last four digits of my cell number. I certainly know that. 

Now, they want me again to mail in documents to verify my identity.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: IL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS

STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-12-10
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called Mandrich Law on XX/XX/21 and spoke with XXXX he refused to provide the settlement letter in writing unless I provided my bank account information and authorized a posted dated payment for XX/XX/21. I advised that I don't have a bank account and planned to send certified funds, but I needed a settlement offer letter for my records. I explained that I had a hardship of having wages garnished for child support and back child support which was already exceeding the maximum federal limit for withholdings and I was calling to resolve the account with a possible settlement but Mandarich would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: MS SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019, a collection was wrongfully and unknowingly opened on my credit account with a balance of {$490.00} by MS SERVICES, LLC. I contacted the creditor, XXXX XXXX XXXX XXXX, about the situation and they told me they had no such account under my name/information. I then reported it to XX/XX/XXXX only to be told that the " Disputed information was verified as accurate '', which is false because I have never had an account with XXXX XXXX XXXX XXXX or MS Services LLC. I then found that MS Services LLC has had a history of incorrectly putting collections on credit accounts and refusing to give information/giving false information about the accounts and debts owed to the individuals it has affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company Capital One, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to disputed this charge and requested validation for this account in XXXX XXXX and XXXX and no action has been taken, there has been no response and no validation sent to me.

Company response to consumer: Closed with explanation