BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2020-10-03
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with a same collection from XXXX for a few years. I have spoke to them and they clear it because it doesnt exist. I am a current XXXX customer so I do not understand why this keeps happening. It keeps affecting my credit and it is a hassle. The balance that always reflects is {$150.00}. I am trying to resolve this issue once and for all as I am trying to purchase a home and I do not want this to reflect negatively on me. The collection company is Enhanced Recovery Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Good morning, Im contacting you to assist me with obtaining a lower interest rate, Im a member of Navy Federal for 4 years now, I have been a loyal and consistent customer, However, I really feel discriminated against on the rates I receive, I obtained a Mortgage XX/XX/2017, my score at the time was a high XXXX low XXXX, rates were great at that time, however, I received a 4.875 rate, which is insane, I recently applied for auto loan, was offered 14 percent apr, got 6.8 from XXXX XXXX, applied for auto refi, offered 10,69 rate, last, I have a credit card with out standing balance, in 3 years never late, they will not offer me a lower rate, my current score is XXXX, whats bad about that score? Nothing, they realize that Im trying to maintain my credit for future home refi and there just being very unprofessional with the feel of discrimination and it herts, because I work hard to do right by them and my credit standings

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: JPMORGAN CHASE & CO.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I am trying to sell my car that chase is the lien holder on. Im a XXXX XXXX  in XXXX. In XXXX, in order to sell my car, I need a letter from chase stating I have permission to sell it. I contacted Chase on XX/XX/22. They stated they will not give this letter. They verbally state I have permission to sell my car, but will not put it in writing. 

I spoke to a dealership and asked if this was a requirement. The dealership stated it is required I contacted Chase again on XX/XX/22. My wife and i spoke to multiple people with no resolve. I was finally escalated to as high as I could go within chases customer service. She stated they dont give these letters. provided her with a copy of a permission to sell letter that another customer was issued. ( I have attached this letter to the complaint ) She said had to verify the letter came from Chase. She was able to prove this letter did come from chase but said they no longer do it. I asked why. No answer. Without this letter, I can not sell my car in XXXX. My Only option is to keep the car and pay It off. I am being forced into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: NAVY FEDERAL CREDIT UNION
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:
On the afternoon of XX/XX/2022 I took my check from work and deposited it in the Navy Federal Credit Union ATM located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The check was for a total of {$6400.00} as it was represented on my bank statements. Now, my personal bank is XXXX  XXXX XXXX XXXX but they are branched with Navy Federal so I stupidly decided to deposit my check there instead. That same day, I attempted to withdraw {$1100.00} but later realized the limit was XXXX so I cancelled the transaction and left it for another day. My check was put on hold for two days and finally it was released to me on XX/XX/2022. That very day, I visited the same ATM to withdraw {$500.00}. I did NOT withdraw anything more than that and the amount is posted in my checking statement records. I am confused and honestly APPALLED that Navy Federal would withdraw such a large amount of money, in the sum of {$6400.00} with NO warning or indication as to why it was done, especially without my consent. Please help me figure out why such a large sum was removed from my account as this is causing me mental distress. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
In 2005, we took out what we thought was a loan from the XXXX. XXXX heating and air conditioning company for a new furnace, air conditioner and ventilation system for our house and new addition to the house. This loan was serviced by Well Fargo Financial National bank. My husband got sick and our financial situation changed as it did for so many other families. The XXXX year of the loan, I paid the interest. As our financial situation changed it became difficult to make payments. I called the company to ask for a balance liquidation, but was only offered a " re-age '' program to get current. Some of the employees at the bank were unwilling to help and spoke to me in a condescending manner as evidenced by their recordings. I have since paid the debt, but was never sure if it was a loan or a credit card. The original amount of the loan was for {$10000.00} and I was charged an interest rate of 17.90 % with a monthly payment of {$290.00}. If it was a loan then the interest should have been included in the monthly payment and if it was a credit card, then the monthly payment should have decreased. I was constantly charged the interest and the monthly payment remained the same for the duration of the loan. I would like the return of the interest money and late fees in addition the correction on my credit report as " paid in full in good standing ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2022 - Experian I am reporting Identity Theft. Refer yourself to the fair credit reporting act 15 U.S. Code 1681c2 below. MY DOCUMENTS ARE ATTACHED 15 U.S. Code 1681c2 - Block of information resulting from identity theft -- ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-05-28
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: Reporting company used your report improperly

Complaint:
3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/2016 I submitted a notarized affidavit of fraudulent transaction to Wells Fargo for charges that I never made or authorized. Wells Fargo allege they did an investigation and said no fraud occurred despite XXXX letters from myself stating such and the fact that the bank the money they said the money was forward to I do not have an account. I have forward a police report, notarized affidavit through the FTC, and they refuse to adhere to the Consumer Protection Act and the Fair Credit Reporting Act under the FTC. In XXXX certified letters and XXXX phone conversation to Wells Fargo Unit I have requested the full account information so that I may complete the police report to seek charges against the suspect ( s ). To date all correspondents state I can have all information included in their investigation upon request ; however, to date Wells Fargo has refused to provided me any the information which they say but has to date refuse to provide and in fact in phone conversation has stated they can not give me that information of my account activity. To date Wells Fargo has never initiated a call or any communication with with me for any details or facts of the theft. All actions, reports and follow-up have been by me trying to get the matter resolved and the information of the suspect to seek criminal charges. In XXXX of my calls the Wells Fargo Fraud to follow up on if their was any investigation being done, the representative did ask me if I had an account with Bank XXXX XXXX ending with XXXX. I told them I nor any authorize user have a checking or saving accounts with Bank XXXX XXXX. To be sure no account was fraudulent opened or existed in my name, I contacted Bank XXXX XXXX and forward the information to Wells Fargo Fraud Unit of the Bank XXXX XXXX Fraud representative I spoke to that there are no accounts in my name and that they can not identify the owner of the account without the full account number. Wells Fargo either is trying to make me pay for their mistake or they are trying to aid the suspect in their fraud efforts but in doing so they are in violation of the consumer protection act and Fair Credit Reposting Act by keeping the fraudulent charges on my credit and not correcting the fraudulent charge after being notified within the stated time frame.

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 2017-09-02
Company: Checkr, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checkr performed a background check on me and was only authorized to look back 7 years based on the contract I signed. They put negative info on my report that was 12 and 15 years old. This influenced XXXX to not allow me to become a driver for them. They violated my rights and are now discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Privacy

Complaint:
I suspect that Citibank from which I have a credit card, shares my credit card transaction data with 3rd party vendors. After shopping with my Citi MasterCard, I see on my XXXX feed advertisements on products and services that are similar to what I just purchased using my credit card. For example, when I bought an indoor TV antenna from XXXX, I saw an ad on XXXX within an hour for a similar TV antenna. Another example is when I bought dishwashing detergent, an ad for dishwashing detergent of another brand popped up on my XXXX feed. In all these and other cases, I used my Citi credit card for the purchases I made. This is very disconcerting because Citi is likely sharing with XXXX or more companies data on my transactions down to the individual item level of my purchases. This is a gross violation of my privacy and I would like to file a complaint against Citibank credit cards.

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 2022-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a settlement in XXXX XXXX the deposit was placed in my checking Account. I was told there will be a hold for 7 business days. that was fine. when the check cleared, I paid cars and credit cards, never withdrawing small amount. I did not open a money market account. I have been requesting since XX/XX/XXXX for my copies of Statements from XX/XX/XXXX to XX/XX/XXXX. This is what I have been trying to get. I have submitted Certified letters to all the XXXX from XXXX until XXXX in getting the copies I have been doing my best to get. XXXX XXXX, whom I have written to in XXXX, XXXX XXXX XXXX and so many other XXXX in the company. no reply from Bank of America at all. I went to the Branch on XXXX in XXXX in XX/XX/XXXX to get help in getting the copies of the deposit and the bank statements from XX/XX/XXXX to XX/XX/XXXX. I was told that the copies have to be special order because it has been a very long time, I was told since I have been coming to the bank often, as a courtesy the fee will be waive due to the circumstances. XXXX XXXX XXXX had also promise she would get the copies and send them. she stated she needs some time to send them.3 years should have been long enough. Don't You Think? If Bank of America could please submit the copies as promise from my XX/XX/XXXX large deposits and all the statements from XXXX XXXX to XX/XX/XXXX. The operation of older transactions can be retrieved from the special order. I worked foXXXX XXXX XXXX XXXX XXXX  and my late husband worked for XXXXXXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX which his experiences is 35 years. microfiche should not take long considering how in orderly everything stays in the vaults Thank you.

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 2022-05-28
Company: Experian Information Solutions 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:
Despite the multiple complaints I submitted to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Per FCRA Section 605b, the Credit Bureaus are required to remove any account and information that resulted from an Identity Theft. I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Kindly delete these information on my Credit File that were opened due to Identity Theft ; Name : 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 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 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 non-monetary relief
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit card
Issue: Billing statement

Complaint:
XXXX Purchased ink jet cartridge using XXXX for {$15.00} using my credit card XXXX XXXX transaction num. XXXX. The card num.. is XXXX from XXXX XXXX ServicesXX/XX/2015 Request a cancellation for item not received. 
XX/XX/2015 Creditor refund to XXXX account. 
XX/XX/2015 Supposed refound in trans. XXXXNEVER RECEIVED A REFOUND TO MY CREDIT ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02
Company: Grant & Weber
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Grant & Weber on XX/XX/XXXX and requested proof that this was my debt. I would like them to send me all the information pertaining to this debt. I do n't believe it 's mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated an updated copy of my credit report, I realized that some of the information were erroneous. The XXXX credit bureaus are required to authenticate these accounts under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : 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 non-monetary relief
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated an updated copy of my credit report, I realized that some of the information were erroneous. The XXXX credit bureaus are required to authenticate these accounts under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : 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