BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2018, I used my Bank of America Arizona XXXX card to pay for my car repairs to XXXX XXXX-they did not fix my car 's overheating problem that day on XX/XX/2018 or at any other time. XXXX XXXX charged me {$100.00}. After I paid $ XXXX and drove down the street, my car still over heated to the max. I drove back immediately to XXXX XXXX and complained to the owner that he did not fix the overheating in my car that I paid {$100.00} for on my Bank of America pre paid card for XXXX in Arizona. -and need to refund me now. Owner did not. This is consumer fraud by both XXXX XXXX XXXX and Bank of America. 
I filed a dispute with Bank of America right away. I got one opinion letter and a second from the car dealer upon trade in that my car was overheating XX/XX/2018 and faxed both to Bank of America disputes. 
All Bank of America disputes wanted was a second opinion letter. I faxed that letter and they received it. Bank of America said I had to wait 45 days.

Today, Bank of America on the phone told me, I have to have a letter from XXXX XXXX that my car was inspected. I would be charged again. Bank of America 's denial is an abuse of decretion, capricious and arbitrary.. Bank of America did not tell me that in the beginning. I traded my car in for it was inoperable and not safe. 
They are insured. I want my {$100.00} credited to my XXXX XXXX card now.

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 2022-07-12
Company: NAVY FEDERAL CREDIT UNION
State: AE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm an XXXX XXXX XXXX XXXX  XXXX XXXX and has Navy Federal Credit Union online banking ( there is no local branch, neither does Navy Federal Credit Union have shared banking with other Credit Unions ).

I requested Navy Federal Credit Bank {$50000.00} personal loan, which was immediately approved and I had it transferred to my savings account with Navy Federal Credit Union. 
I requested Navy Federal Credit Union to wire transfer {$25000.00} to an external personal Credit Union XX/XX/2022. They asked me to put it in writing and email to XXXX with a copy of my govt issued ID card, three signatures and 3 signatures and Code word. I submitted request as instructed. I didn't receive any confirmation of receipt of email, so I called them 48hours later. They informed me they received the email but my govt ID was blurry. I resubmitted XXXX XX/XX/2022 and once again waited to no response. Since XXXX XX/XX/2022, I have called Navy Federal Credit union on their toll-free number XXXX numerous times trying to get the security department to verify me, all I got was over 2 hours wait time then the call drops. On XXXX XX/XX/2022, I called the toll-free number, I was asked to resubmit my request and change my code name, which I did and resubmitted the request. On XXXX XX/XX/2022, I once again called and was asked to give the Security team 3-5 business day response. When I requested to speak to the department head, they once again put me on a 2:27 min hold before the call dropped. 

I have gone to the extent of sending a friend to local Navy Federal Branch in XXXX Texas to verify the email and my current situation ( keep you on hold for 2 hours, and not respond to any emails ) and provide me their local branch phone number While the branch refused to confirm or deny, they handed him a business card with the same toll free number XXXX. I called the call center and had them patch me to the XXXX branch, who refused to verify me or help me and asked me to call the toll free number. 

My online account has been blocked ; any efforts to have Navy Federal Credit Union activate it has been futile since they say they can not until their Security verify me or clear the situation. The loan payment is due XXXX XX/XX/2022 and I can not get access to my account nor the money they loaned me. 

Navy Federal Security department contact me via email ( as they have send me verification codes every time I call so they verify my phone call ). In addition, they say they can not call me because of time difference. Even though I've indicated am available 24/7 and there is only an 7 hour difference between us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report 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
Consumer complaint received 2017-06-29
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We filed for Bankruptcy XXXX in 2011, to save our home from going into foreclosure. We also went through a State program and was approved for {$24000.00} to help pay down our loan. A bankruptcy Judge added a court order for the bank to accept the money and the bank did not. I have all the paperwork. My complaint is the bank has inflated our loan and is now trying to foreclose on our home. I look forward to talking with you and sending any information you may need to proceed. <P/>Thank You, 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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have disputed several charges on my credit report through XXXX. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XX/XX/XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both Transuion and XXXX  the same information an have not received a responce XXXX  was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also Transuion was sent a letter on XX/XX/XXXX and I proof of delivery on 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 explanation
Consumer complaint received 2022-07-12
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
I am formally requesting by the help of the complaint I am submitting to correct the information that the following accounts report in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. But despite the multiple written letters I have been sending to the Credit Bureaus that started from XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done nothing to correct the accounts on my Credit file. Though it tempts me to take legal action, I will be giving the Credit Bureaus one more chance to correct the following accounts : XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$150.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX  XXXX Balance Owed : {$850.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed ; {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2022-07-12
Company: EQUIFAX, 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:
I am formally requesting by the help of the complaint I am submitting to correct the information that the following accounts report in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. But despite the multiple written letters I have been sending to the Credit Bureaus that started from XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done nothing to correct the accounts on my Credit file. Though it tempts me to take legal action, I will be giving the Credit Bureaus one more chance to correct the following accounts : XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$150.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed ; {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2017-09-08
Company: EQUIFAX, 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:
On XXXX/XXXX/XXXX I checked the Equifax website to find out if I was impacted by their major security breach. I received a message that my information may have been compromised. I now need to freeze my credit reports, place fraud alerts on my accounts, submit claims, and hope that my identity is n't stolen and my hard earned credit score and money are not compromised further. 

Although Equifax is also a victim of this hack, it was their responsibility to protect our information. Furthermore, the companies failure to alert anyone about this breech for over a month, as well as their executives actions in selling stock prior to notifying the public is unacceptable and deeply disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX US BANK I had a balance of XXXX I made a transaction in the amount of XXXX and XXXX reducing my balance to XXXX. On XX/XX/XXXX with a balance of XXXX I was charged a over draft fee of XXXX twice bringing my balance down to XXXX. On XX/XX/XXXX there was a debit charge of XXXX bringing to to a negative balance of XXXX. I called the bank to dispute charges claiming I had a positive balance and the customer service rep told me that my charge of XXXX was pending prior to the XXXX and XXXX. I requested to dispute charges advising even if the XXXX was pending funds where positive and should have covered the XXXX and the XXXX the rep could not explain how all 3 charges was returned and refused to remove or dispute charges while submitting a complaint I also occurred a extended overdraft fee of XXXX bring my balance in fees to 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 2022-02-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I checked my credit report from XXXX, XXXX and XXXX. I have also submitted disputes with each XXXX but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within XXXX days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.

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 2018-07-13
Company: BARCLAYS BANK DELAWARE
State: NY
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:
XX/XX/XXXX XX/XX/XXXX Brclysbank de apply Pulled my credit report I didnt apply for this

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 2022-07-12
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:
I have been disputing the fraudulent items on my Credit Report from XX/XX/XXXX to XX/XX/XXXX by sending dispute letters addressed to the Credit Bureaus. But despite all my efforts to correct my Credit file, the Credit Bureaus seemed to enjoy not giving a XXXX about my Dispute and my Credit File. The Credit Bureaus are given ample amount of time by the Federal law to conduct their investigation and remove the items that resulted due to Identity Theft. I am submitting this complaint to remind the Credit Bureaus that they are required to remove the items I am disputing since these resulted due to the crime. They have failed me before and I was tempted to take legal actions against the Credit reporting Agencies but I will be kind enough to give them a couple more chance and correct my File under each Respective Bureaus. I am utterly frustrated to see that despite all my efforts, the Credit Bureaus have become negligent of the FCRA regulation, my appeals, and their utmost duty to report accurate only information on a consumer 's Credit File. Once again, the items I am disputing were the result of the Identity Theft and must be removed immediately in accordance to FCRA regulations : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid Capital One credit card in full on the due date ( XX/XX/2022 ). They then charged on XX/XX/2022, {$180.00} in interest fees. I called asking them to remove these fees on XX/XX/XXXX as this is double billing and my understanding a banned practice. They refused even after I threatened and closed this account after paying it in full again minus the disputed interest charges.

Company response to consumer: Closed with monetary relief