BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of this year I disputed several Items on my credit reports and sometime at the earlier part of XXXX, they all came back as verified accurate reporting. I'ts been several months since then and curiosity set in. I decided to look into my legal rights as a consumer and exercise them. In the month of XXXX I requested that Transunion, XXXX  and XXXX  inform me of how they verified the information on my credit reports and request a re-investigation of the disputed items. They have failed to provide the necessary documentation within the proper time frame and have not removed the items in question. As of XX/XX/2019 I gave two of them a phone call before making this report, to see if the items were removed and both Transunion and XXXX  stated they are still investigating my dispute. I explain to them i'ts past the 15 day time frame and under the FCRA rules and regulations this is illegal. They also claim the public record was verified accurate by the courts but I've obtained information in writing they don't give out information to the credit bureaus.

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 2023-01-17
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is not the first complaint submitted. This is referring complaint number XXXX. Initial complain was submitted on XX/XX/XXXX : My father made me a check from his XXXX XXXX Account on the XXXX of XX/XX/XXXX and mailed it to me on XXXX XX/XX/XXXX. The check accidentally arrived at the wrong address. The individual that received the check forged my name and sponsored it to his bank account. After confirmation with XXXX that the mail was delivered, my father tried to cancel the check but alas the deposit had already been processed to the individual 's account at Navy Federal Credit Union. A formal fraud complain was submitted to XXXX XXXX the XXXX XX/XX/XXXX to try to recover the funds. We were told that it might take up to 120 days for a response. It's been over a year and still no response. All XXXX XXXX have been able to tell us is that there is no response from Navy Federal Credit Union and there is nothing else they can do but wait for the bank 's response. 

The final response from Navy Federal Credit Union to me was on XX/XX/XXXX : Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. We have reviewed our members concerns. Our records show that on XXXX XX/XX/XXXX, a check in the amount of {$80000.00} was deposited to a XXXX XXXX account. On XXXX XX/XX/XXXX, the funds in question were returned to the originating financial institution. XXXX XXXX XXXX will need to contact the issuer of the check for any further inquiries on this matter. If Petty XXXX XXXX has any further questions, he may contact XXXX XXXX, Vice President, XXXX XXXX, at XXXX, between the hours of XXXX a.m. and XXXX p.m., Eastern time, weekdays. 

But the above response was faulty. My father checked his account and the amount was never submitted during that time frame. Also the gentleman by the name of XXXX XXXX that I was to contact have never answered any of my calls or returned any of my voicemail messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: CA
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:
I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following  bureaus. XXXX, XXXX  and Experian in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX, XXXX, ( XXXX XXXX ) XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXXt, and XXXX XXXX. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. 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 2017-06-03
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Terrible experience with F ed LoanServicing.  I am in the PSLF program. When I submitted my first ECF, my loans were switched from  XXXX  to FedLoan. I received no credit for past qualifying payments for PSLF that were amde while being serviced by  XXXX . I called a few times and finally someone was able to " help '' me.   They said my account files needed to be thoroughly reviewed, and that I would learn of the results of the review  in 12 weeks. It has been more than 12 weeks and no one is able to say anything other than : File is still being reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
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 noticed a collection account added to my  report  XX/XX/17  f  ro m  XXXX   XXXX . I immediately sent a letter via certified mail, fax and to the thei r executive em ails on   XX/XX/17  t o verify and validate this debt.   XXXX    notified Equifax that this account was being disputed  HOWEVER continued to collect on this account without sending me documents to validate and verify this debt. I immediately notified   XXXX   XXXX   of their violation and their failure to respond to my letter within 30 days. I also sent all necessary documents to Equifax requesting deletion for the c ompanies failure to comply with my request and the fdcpa. I filed a complaint wit h the BBB, CFPB an d the attorney Generals office in both Texas and Washington against   XXXX   XXXX  , and the company sent a response that they would immediately send a request to the credit bureaus to remove this negative account. I have attached that letter for your rev iew. I have called Equifax and spoke with a supervisor would could not confirm that they received my packet with over 60 pages of documents to validate my request even though it wa s sent certified mail and a return receipt was delivered to me. This is frustrating and this inaccurate data is affecting my credit report. Please remove it at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in  XXXX  are the ones I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 2017-06-03
Company: Experian Information Solutions Inc.
State: OR
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:
the credit line on pg  XXXX  shows   XXXX   XXXX   XXXX   in collection of  XXXX  past due with original creditor being   XXXX   XXXX   XXXX   XXXX   XXXX   and then on page  XXXX  it shows the same account   XXXX   XXXX   XXXX   closed and written off so its a duplicate acct I have sent a letter ove r 3 m oths and no reponse and the duplicate line is still there

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 2017-06-03
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
I had several deferred loan modifications with Well Fargo Mortgage. Between the years of XX/XX/XXXX and XX/XX/XXXX. During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In XX/XX/XXXX I was one of the consumers who really could not afford a mortgage but was given a loan any way from XXXX loan and some time shortly my loan was transferred to Wells Fargo. I knew there was a law suite with Wells Fargo but I did not under stand why. Can someone please tell me where do I stand on this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Account Control Technology, Inc.
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company began garnishing my wages without providing sufficient proof that I owed the debt. When I called to begin a payment plan they said I owed them {$9900.00}, which is more then the {$8000.00} that they have submitted to credit agencies. It is also suspiciously just under the {$10000.00} point that needs to be documented and reported to the government.

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 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX  I checked my credit report on  XX/XX/XXXX  and I had a total of   XXXX   collection accounts &   XXXX   hard inquiries removed from my report. I checked my account again on  XX/XX/XXXX  and I saw that all  XXXX  collection accounts &   XXXX    hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to Transunion but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from  my credit file after theyve confirmed and validated the accounts as false. Also since then, Transunion has added a recording that can be heard when calling their toll free numbers  (  XXXX  )  XXXX   &   (  XXXX  )  XXXX   explaining and admitting to technical issues taking place on the dates between XX/XX/XXXX  XX/XX/XXXX  &  XX/XX/XXXX   XX/XX/XXXX  that affect account and inquiries being removed and added back on.

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 2021-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
WFDS XXXX**** Balance Owed : {$8000.00} XXXX  XXXX**** Balance Owed : {$270.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2019-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX, a XXXX XXXX company, charged us in XX/XX/2019 an extra amount of {$23000.00} dollars. They argue that this charge is for an overtime services. 
1.- The contract DON'T STIPULATED overtime charges.

2.- BANK OF AMERICA paid this amount WITHOUT an authorization even when the credit limit of the account didn't support this amount. 
We contacted the Bank and they favor the Merchant. 
We couldn't contact the merchant, they don't respond.

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 2022-04-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX, XXXX XXXX Account # 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 2022-03-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions 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:
XXXX XXXX is reporting to Experian and XXXX  incorrect and inaccurate information about my original account with XXXX XXXX XXXX. They have not fixed it despite my requests. XXXX is sending them a letter from the debt they bought from XXXX in XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XXXX-XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as the date of deliquency and hat is INCORRECT and they WILL NOT provide original creditor information. I have reached out to company and have told the credit agencies they are incorrectly reporting. I have requested ORIGINAL creditor dates over and over, and they take the letter XXXX provides from XXXX in XXXX as truth! Deceptive and malicious. Have submitted complaint about XXXX and now it is the agencies turn for skimming over me! This has impacted funding my business and buying a house.

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 2017-06-02
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 status incorrect

Complaint:
I have tried to fix these problems c redit bureau- My lawyer  and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau

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 2017-06-02
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:
Experian refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required. Experian XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXXXXX-PLEASE DELETE XXXX XXXX  XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX-PLEASE DELETE XXXX XXXXPLEASE DELETE XXXX XXXX PLEASE DELETE XXXX XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE

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 2019-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
I recently lost my job and attempted to place a hold or cancel any monthly subscription services which auto debit from my account. Unfortunately I missed some and my account dipped onto the low side. 
XX/XX/XXXX Account was negative XXXX AFT attempt from XXXX for {$1.00}. USAA declined the transaction and assessed {$29.00} NSF fee XX/XX/XXXX XXXX attempted the AFT again, declined {$29.00} NSF assessed. 
XX/XX/XXXX XXXX attempts AFT, declined NSF fee assessed. 
XX/XX/XXXX XXXX  attempts again, declined {$29.00} fee assessed. 
XX/XX/XXXX XXXX makes another attempt, declined {$29.00} fee assessed. ' Balance XX/XX/XXXX is - {$80.00} XX/XX/XXXX XXXX  finance attempts AFT, declined {$29.00} fee assessed. 
XXXX XXXX is only company that attempts to withdraw. XXXX makes 7 attempts between that time frame and all 7 are declined with {$29.00} NSF fee totaling {$200.00} in fees. 

XX/XX/XXXX XXXX  makes another attempt, declined NSF fee assessed. 
XX/XX/XXXX XXXX attempts AFT, declined, NSF assessed XXXX XXXX makes an additional 4 attempts all declined and additional {$110.00} in NSF fees against the account. 
XX/XX/XXXX XXXX attempts again, declined, NSF fee assessed. 
XX/XX/XXXX XXXX attempts AFT, declined, NSF assessed. 

This continues through present and my account is now - {$790.00} all in NSF fees. Not one bill was paid, and these fees are resulting from each company making multiple attempts to clear payments. 

Until I am working again, hopefully soon, I have no funds to get this account even close to a XXXX   balance. By the time I am able to fix this, I may owe close to {$2000.00} in NSF fees for a total of 7 individual transactions that made repeated attempts on my account. 

I can't understand how this could be on the up and up. As a matter of fact, I have been involved in at least two class-action lawsuits in the past involving XXXX and XXXX for similar issues being shady with overdraft fees and how they chose to apply those fees. 

If this seems off to you as well and you believe you can assist me in getting this under control, I want to thank you in advance. 

If all the fees from USAA appear legit and I'm just in an unfortunate situation, please let me know and I'll stand down and accept that I singed up with a bad bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation