BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
To Whom This May Concern, I pulled my credit report from each bureau to start the 2023 year. I noticed that there were some inaccuracies in my report on multiple accounts. I decided to mail validation letters to XXXX, XXXX, & XXXX on XX/XX/2023. In the letter I asked for each bureau to verify that the information was correct on the accounts in question. I never got a response from XXXX. XXXX and XXXX both verified all information as being accurate and they responded within 30 days. 

The information HAD NOT CHANGED AT ALL, BUT WAS CLAMIED TO BE VERIFIED. THIS IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT! 

I repeated this same process on XX/XX/2023. The bureaus received the Validation letters on XX/XX/2023. The only bureau that responded was XXXX. They sent a detailed copy of my credit report. They were still claiming that the information was accurate. 

After pulling my credit report once again. ALL THREE bureaus are still reporting different : High Credit Limits Last Reported Dates Date Last Active Date of Last Payment Different Balances The bureaus lied to me and said that the issues were corrected, but they clearly have not been corrected. This a VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. If each bureau is receiving accurate information on these accounts then all the items I listed should be reporting the SAME ACROSS ALL THREE BUREAUS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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: Personal information incorrect

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

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 2023-06-08
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited cash into a ATM machine at XXXX XXXX XXXX that has shared branching with Navy Federal Credit Union. The machine gave me a printed message that it kept my money however it did not show up in my account. I disputed and Navy Federal contacted XXXX XXXX said it did not happen. I have the receipt and screen indicating the machine kept my XXXX. Thereafter Navy Federal withdrew my temporary funds which now has caused my account to go into the negative because of XXXX XXXX lies. THEY GOT CAMERAS AND CLEARLY SEE THE MACHINE DID NOT SPIT OUT ANY MONEY TO ME JUST TOOK DEPOSIT. SOMEONE IS NOT DOING THEY JOB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX we decide change phone carrier we were with XXXX XXXX XXXX and prior us switching I called XXXX XXXX XXXX  customer to see the amount for ending our service with. Customer reply back with around {$260.00} and something. So decide to carrier and the new carrier cancel our service with XXXX XXXX XXXX when we switch over. We never receive a bill statement from XXXX XXXX XXXX after that and we did paper statement by mail. Then in XXXX I receive statement from Credence Resource Management LLC saying I we owe {$560.00}. XXXX. I called XXXX XXXX XXXX to get answer why I did not receive my last statement and customer said that they sent my mail and email which is not true. I also ask that amount I was differently prior to switching carrier. The customer said because of early termination feel and remaining on our phone device again not true. We have been with them for several years and last time we got a phones device from them was XXXX years and they were pay off and we had no sign agreement with after XXXX years. Then I went on to ask a copy of last statement or any past due state. The customer service got rude and said it not our problem anymore the debt belong to Credence Resource Management now. Then I called Credence Resource Management all got was being transfer to one person to another and not getting any answers. Then in XXXX I wrote to them by certified mail requesting a copy of the last statement from XXXX XXXX XXXX showing what has been. Credence Resource Management sent me dispute letter response only stating the amount valid. No copy of the itemization charges from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This credit union is charging courtesy fees for no reason. My account was charged a {$29.00} fee for no reason on XX/XX/2023. The bank contact is out of the office until XX/XX/2023 and the customer service representatives will not correct the issue. There was no reason for a fee to be charged on my account.

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 2023-01-10
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am having a dispute with a former landlord, I sent my dispute and I never heard back. Then I received a call from a collection agency on a large amount of money, when I told the collections agent that I was in dispute with the landlord, I was yelled at and told that I have to party my bills. 
The landlord is charging me for things that were wrong with the apartment when I moved in, they are also charging for replacement of items that were never replaced. I have a copy of the move in sheet and they are refusing it. 
The complex is just wanting money, and I have documentation that I should not be charged for these items. 
This collections is keeping me from renting another residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
65 phone calls in the last 21 days ... from Synchrony Bank/Care Credit for a bill that is one month past due. I e-mailed them as soon as I knew it would be past due and told them I would pay today XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
{$1300.00} was sold to this company. I wasn't aware I owe this debt. There is a SS # on this credit report I have a common name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CCS Financial Services, Inc.
State: PA
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:
Upon checking my credit report, I noticed a collection from CCS ( Credit Collection Services ) in the amount of {$490.00}. It shows that the account was opened XX/XX/2022. I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I have not been provided with competent evidence that I have any legal obligation to pay CCS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I deposited an amount of {$540.00} at an Bank of America ATM, XXXX XXXX XXXX XXXX, XXXX XXXX. The time was XXXX. This is a drive thru atm. The cash went inside the atm machine but the screen just stopped there. I had to make two more deposits but the ATM machine didnt seem to be working right. I waited there in hopes that maybe it will return my cash but it didnt. I did recieve a receipt though that says " We apologize for the inconvienience.We are unable to process your request and can not return your item ( s ) ''. Money didnt showup in my bank too! It was Friday and time was after XXXX so no one picked up the phone when i called the helpline. I had to make two more deposits so i just went to the other atm at the same location that is a walk in atm ( not drive thru ) and deposited the rest of the money there. I was sure this isnt a big issue as the bank will take care of the issue. 

I called the bank the following week day, explained to them the issue and they credited me {$540.00} saying they will investigate the issue. Today, after 45 days i received a letter from the bank that my claim was wrong and that i didnt deposit {$540.00} but {$100.00} and they will debit the excess amount of {$430.00} from my account. 
That is a totally false investigation. I dont understand why dont they just the XXXX footage or cameras or make use of their INVESTIGATIVE RESOURCES the correct way! This is a total scam they are doing. If their atm systems can fail and eat up my money then no wonder their investigation team is also similar. The system is flawed. I just need proper investigation and need a fair decision! 
Also, i have my bank statements with me where one can clearly see that there is absolutely no deposit of {$100.00} to be seen anywhere. Which once again proves their negligence and an attempt to eat my money!

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 2023-01-10
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX Opened account online with PenFed Federal Credit Union at XXXX. 

XX/XX/XXXX Sent an email to close this account at XXXX. 

XX/XX/XXXX Received a response via acknowledgement email from PenFed at XXXX to confirm closure and current mailing address. 

XX/XX/XXXX Provided confirmation via email at XXXX with the information XXXX requested. 

XX/XX/XXXX Received an email from PenFed stating unable to process this request via email due to amount of funds on hold. I will need to contact a Member Service Representative at XXXX to complete this request. 

XX/XX/XXXX XXXX with XXXX at PenFed who advised that I needed to call back on XX/XX/XXXX. 

XX/XX/XXXX Spoke  with XXXX at PenFed who claims unable to verify my identity after correctly answering all questions he asked. 

I called later on that morning, spoke with XXXX who advised account on hold until Tuesday. She claims unable to assist further. 

I called back again that same day, spoke with XXXX who advised account on security hold and required certain documents. I submitted my Drivers License and received a confirmation email. 

XX/XX/XXXX Spoke with XXXX at PenFed verified my Account number, Date of Birth and email address as requested. She sent me a verification code via text to which I provided back to her. XXXX, indicated that a Cheque in the amount of {$2500.00} would be sent to my address on file. This will be after a XXXX hours review. 

XX/XX/XXXX Spoke with XXXX at PenFed who claims that I must provide the following in order to close this account : 1. Color copy of my Driver License 2. My Social Security Card 3. Utility Bill 4. A statement requesting closure of my account Please assist me in obtaining my money from this company PenFed Federal Credit Union. 

Thank you! 
XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: U.S. BANCORP
State: GA
Product: Prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I received a {$500.00} US Bank Mastercard gift card as a gift in XX/XX/2023. I registered the gift card to my name and address, and did not use it immediately. I attempted to use the card about a week later and got an error. Tried to check the card online and it gave me an error telling me to call the number on the back of the card. This was unusual, because any other time I checked the card it was successful, with no transactions and a {$500.00} balance. Contacted US Bank gift card services at ( XXXX ) XXXX and they told me that my card has been locked for suspicion of fraudulent transactions ( with no transactions at all ), and I have to fax in a copy of my ID and a copy of the gift card. I sent in this information on THREE different occasions to the number XXXX. 

I have yet to receive a resolution weeks later. I have had customer service representatives hang up in my face, put me on hold for hours just so I can hang up, and transfer me to a survey immediately. The people working for this company have numerous complaints online. My suspicion is that they hope people do not go through the trouble of filing complaints and sending documents. I asked a representative, if I do not send in these documents where do the funds go? He could not answer the question. This is cruel, because there are elderly people out there who receive/give cards to their loved ones and can not go through the hassle of faxing information and calling them 20+ times trying to figure this out. My gift card may be for a measly {$500.00} but I can imagine how that adds up seeing that US Bank is a huge company.

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 2023-05-10
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has violated my federally protected consumer 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. 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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  Account # 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 an account without my written permissions and 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 explanation
Consumer complaint received 2023-01-09
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 US 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Related to Amex XXXX account ending in XXXX Amex pressures consumers to enroll in XXXX XXXX XXXX. I was told by multiple reps over the last XXXX months to enroll. They encourage with a no interest offer. 

I enrolled because they badger me so often and tell me that as long as I pay my balance in full I won't pay any interest ( lie ). 

I then realized in the beginning of XXXX that I was in fact charged interest because they just made my statement balance due as XXXX} and they put all my purchases in a special XXXX XXXX XXXX balance that incurs interest. Fine. No problem I get they're trying to make money even if I think it's morally wrong I don't decide things. So I call and I explain the situation and have XXXX XXXX XXXX turned off and ask for the fee to be refunded. They say they'll do it. Great. 

But then I check my balance again today and XXXX XXXX XXXX  another XXXX XXXX XXXX fee even though I paid my balance in full. Now this is just XXXX. I will call again but deceptive marketing is XXXX thing. This is XXXX. If I'm being treated this way and I'm fully comfortable calling and making a fuss I can't imagine how they're treating XXXX and XXXX income people that don't feel as comfortable calling and speaking with a large fortune XXXX company. We need to hold these companies accountable and Amex has gotten away with stuff like this for too long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies requesting to remove the Accounts and information that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report.

Company response to consumer: Closed with non-monetary relief