BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: NAVY FEDERAL CREDIT UNION
State: AL
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 have a credit card with Navy Federal Credit Union. I have multiple ( 20+ ) fraudulent charges from a company called XXXX XXXX. I have been trying to get this resolved with my bank since XXXX  but they keep denying my claim. Navy Federal told me it was a money order company overseas. I have contacted XXXX XXXX but I never can get in touch with a person. 

I am not sure what else to do. My father advised me to submit a complaint to you and if that doesnt help seek legal advice. 

Thank you for any help you can provide. 

XXXX XXXX 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 2022-06-23
Company: Experian Information Solutions Inc.
State: NJ
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:
On or about XX/XX/XXXX I requested verification of an alleged account... 
XXXX XXXX ... XXXX. They, XXXX XXXX responded in kind ( attached ) with a notification stating their " investigation '' has confirmed and verified the account. First ... their response has provided nothing more than a name and address. 
Second ... their response in itself provides proof of their violation of my rights under HIPAA.

So I am requesting that they provide proof that I authorized the release of my medical records to them.

In addition I am requesting a description of how they recieved my medical records, and if an electronic transfer was conducted they must show their compliance with the HIPAA security rule, specifically the HITECH ACT of 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 2022-06-23
Company: EQUIFAX, INC.
State: NJ
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:
On or about XX/XX/XXXX I requested verification of an alleged account... 
XXXX XXXX ... XXXX. They, XXXX XXXX responded in kind ( attached ) with a notification stating their " investigation '' has confirmed and verified the account. First ... their response has provided nothing more than a name and address. 
Second ... their response in itself provides proof of their violation of my rights under HIPAA.

So I am requesting that they provide proof that I authorized the release of my medical records to them.

In addition I am requesting a description of how they recieved my medical records, and if an electronic transfer was conducted they must show their compliance with the HIPAA security rule, specifically the HITECH ACT of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions 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:
I called your department after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Form 1040 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}.

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 non-monetary relief
Consumer complaint received 2020-01-18
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:
The accounts listed in the FTC aren't mine.

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 2022-06-23
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My consumer rights have been violated by XXXX on XXXX XXXX I entered into an consumer transaction with XXXX however on XX/XX/2022 received an adverse action that they were unable to approve my request I forward them my complaint that I have attached to complaint

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: GA
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 tried to dispute these fraudulent inquiries multiple times. Every bureau has removed them except Equifax. 
Based on 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

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

According to 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 a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Debt Recovery Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not owe no debt to debt recovery solutions , llc!!!! I have paid off my student loan debt to u.s. department of education i FULL {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Started insurance policy with XXXX XXXX. Paid policy in full via eft from my checking. The next day ( before the policy ever started ) I cancelled. XX/XX/2021. 

After months of no refund, they still charged me again 20 calls later and the run around I finally got refunded XX/XX/2021 Then I got a bill in XXXX of this year claiming my original payment was still owed. Called XXXX XXXX  again. Told to disregard. 

Last week I was put into collections. Another dozen phone calls later they claim my payment from XXXX was never debited from my account. Funny that the dozens of calls to get my money back they never claimed this. My bank says it indeed went through. They claim it didn't. 

So if I all XXXX they say they can't do anything even though my bank gave me all the proof they wanted. I sent it in an the response I get each time is it must be a bank error. 

I can add. They stole XXXX dollars from me. I'm not rich. This amount couldn't fly under the radar. 
If a company is not willing to admit they stole my eft from my checking despite my bank corroboration I was told to try you guys. 

Take a look at the attachments. I got charged and refunded. One charge. One refund. Not refined twice as being claimed. 

The branch manager has also recommended we filtered by paper check so they can not claim to have sent me that rather than my eft return.

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 2023-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I went to the atm located at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX at about XXXX to deposit my rent money which was due on that day. I first took the money off another card and started my deposit. I then deposited {$410.00} to start depositing my rent money. The machine accepted it and then when I went to add more cash the screen went blank and cut off. I figured no big deal Ill come back wen the bank opens but got an email from the bank saying that they knew there was a problem but would have it resolved in the next 5 days. In the meantime my bank account would now go into a negative status because my bills started to come out. In the meantime 5 days pass and now it is the XXXX of XXXX and no resolution and my rent is late because part of my money was lost in the transaction. I called and then was told I had to file a claim and wait another 10 days and I still called almost everyday to resolve this because now I am about to be evicted. A woman reached out to me from Wells Fargo and told me that if I fax over a letter from my apartment complex and insurance company and any other evidence I have of this problem they would take care of it. That was a lie. I wrote the ceo twice to have a resolution and no response and finally they reversed the transaction on or about XX/XX/XXXX ( which was so late it just covered the late fees and overdraft fees I incurred ) didnt help at all. It was too late.. had to pay lawyer fees, late rent fees, insurance cancelled and still owe the {$290.00} and barely able to save my apartment because I had no money. They didnt even try to help although they said they were. I filed another claim and XXXX called while I was at work and left a message and Ive called him back several times and left messages and that was a month ago and he has never returned my calls. They finally closed the account with a negative balance over {$800.00} and expects me to pay that but its not my fault the balance is {$800.00} because of their error they could have fixed with a simple hardship deposit of my {$410.00} until they resolved the issue but let my account slide into negativity.. there is a ton more of our conversations but I would need a whole notebook to write all this down. I have a lot of emails etc as well. I have names of people I talked to and dates and times. Im so upset because of what has occurred

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 monetary relief
Consumer complaint received 2022-12-14
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
SynchronyBank/CareCredit XXXX They are linked together. My payments are due on the XXXX of each month. I make my payments on the XXXX of each month through XXXX which is a bill paying service. My first payment XXXX XXXX, 2022, missed XXXX payment, made 2 payments XXXX on XXXX XXXX, 2022 and next XXXX, 2022. I contacted Synchrony Bank to advise I would be late on XXXX payment. On XXXX, 2022 I made a payment through XXXX  for XXXX plus XXXX process fee total XXXX. I start getting texts and emails from Synchrony Bank that I was late on payment. I called them to advise I made payment through doxo on XXXX XXXX. They then advised a missing payment form would be applied. I made payment XXXX XXXX for XXXX through XXXX  then received an email from Synchrony Bank that my payment was late. All payments due on the XXXX. I checked my statement it showed a charge of XXXX as a purchase raising my balance from XXXX to XXXX. I never made a purchase this was the amount they say was lost. I contacted Synchrony Bank advised that my statement was wrong I never made a purchase which was supposed to be taken off. I advised them I made XXXX payment on XXXX and they would receive it on XXXX XXXX. The agent said it would be taken care of and that they had received my payment of XXXX and I owed only XXXX because my monthly payment went up to XXXX. I checked my statement today and found the XXXX purchase still showing on there and they had received the XXXX payment and the XXXX payment and showed I still owed just XXXX. I'm still receiving emails that my XXXX payment is late which my statement shows it isn't. I feel like there is a lot of discrepancy on there part. There is no email avaliable for consumer use only a phone number which it takes up to 10minutes to talk to an agent. Imake my payments each month on the XXXX because that when I get paid due to my XXXX. Could you 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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are some hard inquiries on my credit report that I don't recognize 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 non-monetary relief
Consumer complaint received 2022-06-23
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 following XXXX Accounts have violated my rights. 

1. XXXX XXXX, Account XXXX 2. XXXX XXXX XXXX  Account XXXX 3. XXXX XXXX XXXX  Account XXXX 4. XXXX XXXX XXXX XXXX, Account XXXX 5. XXXX, XXXX, Account XXXX 6. XXXX XXXX XXXX Account XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In response to complaint number XXXX. EXPERIAN took longer than 30 days to complete their investigation. Mark the following account as paid as agreed or delete the account. 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 2022-06-23
Company: EQUIFAX, INC.
State: LA
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:
There are some hard inquiries on my credit report that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: JPMORGAN CHASE & CO.
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am submitting this complaint on behalf of my mother. 

In XXXX of XXXX two separate companies, one based in XXXX XXXX, the other in XXXX, made fraudulent charges totaling in excess of {$8000.00} with my mother 's credit card. 

She is retired and lives in XXXX Texas. She has never been to, nor does she have any associates in either of these countries. 

She disputed the charges, filing a claim of fraud in XXXX of XXXX. However the credit card company disputes this claim and is arguing she ( my mother ) benefited from these charges. We requested proof of the benefits my mother received from these charges, however the credit card company has not provided any documentation toward said benefits. 

We are filing a police report regarding the fraudulent charges. 

The credit card company has stated they intend to turn the matter over to a collections lawyer for review if they do not receive payment ( including interest ) by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act 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 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 2022-06-23
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Im response to complaint XXXX EXPERIAN has taken more than 30 days to complete their investigation. I was never late on these accounts so they should be marked as paid as agreed or delete. 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 2022-08-21
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:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Investigation took more than 30 days

Complaint:
In reference to complaint # XXXX Transunion has not responded within 30 days. By law Transunion is required to complete their investigation within 30 days or delete the account. The account XXXX XXXX XXXX should be deleted immediately.

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