BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-29
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had an unauthorized transaction on my checking account and the bank said I should stop payment on my mortgage payment because with the unauthorized transaction the payment would have bounced. I was never told that it would last 30 days. But even after the 30 day period the stop payment was not lifted which they admitted was a bank error but because of that error it resulted in my last loan modification payment to bounce and for my home to go into foreclosure with additional charges and lawyers fees from the mortgage company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had 4 accounts with TD Bank. 2 were business and 2 were personal, with credit and debit for each. 48 hours after I made an early payment on the personal credit card that was in perfectly good standing, thousands of dollars away from my credit limit, my card was declined. I called to inquire only to find out that they had reportedly thought I was deceased. This is nonsense since I had 4 accounts and only one was closed. I called numerous times about the problem, was advised to go to the branch, which I did, but never received any sort of reasonable answer. They told me repeatedly that they would be in touch within 5-7 days. They said that several times before sending the account, the account that was in perfectly good standing, never late, to debt collections. I spent many hard years building my credit so this is an assault on my entire person. I was flabbergasted when I got a letter from a collection agency. However, I settled the debt with the collection agency in order to move on with my life. Within 48 hours of settling this debt, TD had miraculously REACTIVATED the card that they had heretofore refused to even discuss with me, and I only noticed because an automatic payment from XXXX that I had forgotten to switch to a new card all of a sudden went through. Now, I was able to log in to the TD account that I thought was settled. They had refused to give me an answer as to why one account and not the others was canceled, they had refused to correct the mistake, they sent the account that was in good standing to collections, then after I paid collections they turned the account back on. I feel like I am going crazy, but I have proof of everything. On my way to the branch now, almost two months after this began. There is no happy ending because I am still dealing with this. I watched them physically shred my card and now I am attaching evidence that my card was reactivated after being settled, shredded, and supposedly cancelled with the rest of my accounts, all while it was in good standing. Then after settling with collections, they pretended nothing had happened and turned the card back on, with my account showing late fees and the same nearly almost {$10000.00} balance I had settled. That's called fraud where I come from, which incidentally is the same planet on which TD is based.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion is reporting a date of last activity of XX/XX/XXXX while the other bureaus are reporting different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). 

TransUnion also reports a last reported date of XX/XX/XXXX, which indicates that this account was never investigated and legally verified.

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 2015-04-09
Company: First National Collection Bureau, Inc.
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Basically I have problem with a debt collector named First National Collection Bureau Inc ( FNCB ) ( scan enclosed ) for my alleged debt. My alleged debt charged off date, according to FNCB was on XXXX XX/XX/XXXX. Today is XXXX XX/XX/XXXX. The status of Limitation for XXXX and XXXX where I resided have long gone out. ( scans enclosed ). 

Also enclosed are several scans of my credit score and report obtained through XXXX, in which I have a very good credit report. I do n't know why FNCB sends me an alleged debt that has been removed from my credit report long time ago. Please tell them to stop sending me unlawful collection note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX this isn't 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: I.C. System, Inc.
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: Information belongs to someone else

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

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 2021-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted EQUIFAX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX had no written consent from me to furnish these accounts on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish these accounts on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EQUIFAX remove these accounts from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The accounts, addresses, inquiries, and names in question are attached to this report in addition to the FTC report and copy of 15 USC 1681c-2. They've had over 4 business days to remove these accounts that were created due to identity theft and have yet to do so placing themselves, EQUIFAX, in violation of 15 USC 1681 and pursuant to 15 USC 1681n each violation is worth {$1000.00}. Seeing that there are 46 accounts/pieces of fraudulent information on my report and in this attached ftc report, that's {$46000.00} that would be owed to me, the consumer if the accounts aren't removed before the end of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX inquiries due to fraud appeared in my Equifax report XXXX  and XXXX of XXXX. I contacted the bank in question and notified them of the fraud. They immediately closed the account and mailed paperwork confirming the events. They also notified the credit reporters to remove the inquiries. Finally, I submitted a fraud alert with Equifax XX/XX/XXXX.
90 days passed.
I submitted a dispute XX/XX/XXXX with Equifax because the inquiries remain.
90 days passed.
I received no response from that dispute. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I received the same generic responses that the fact an inquiry happened, despite being fraud, validated its reporting.
I contacted XXXX again and they verified the events of the first call and that they would remove the inquiries. XXXX again sent me a letter of verification, and again contacted Equifax asking them to remove the inquiries.
90 days passed.
It has been almost a year. The inquiries remain. Trying to submit another dispute now results in an error on their website. Emails to contact links are bounced back. These problems needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: PA
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:
this is some XXXX I AM TRIED OF COMPLAINING AND THE ISSUSE STILL STANDS. 
The US DEPT OF EDXXXX is claiming the accounts are mine and validated yet they are wrong. I have no knowledge of said account, they claim the date the account was open to be different on all three reports. THEY ARE WRONG AND NEED TO DELETE THE ACCOUNT FROM MY REPORT. CLEARLY I AM XXXX BECAUSE NO MATTER HOW MANY TIMES I CALL OR WRITE THE ISSUE STILL STANDS.also no on asked for any fraud alerts to be added so remove those and my old address is report off one number so remove the address. XXXX was not the address it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: IL
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 been trying for XXXX months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the XXXX describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to XXXX, XXXX, and Equifax advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo Bank, XXXX XXXX  XXXX XXXX, XXXX, Va refuses to deposit a Federal check that is made out to my wife and I, if she isn't in the car when I make the deposit to my checking account. I have to go get her and have her seated in the car at the deposit window.

The issue now is, I have received a economic impact payment check from US Treasury and my wife is house bound and can not travel due to medical issues.

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 2020-04-20
Company: EQUIFAX, INC.
State: HI
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: Problem with personal statement of dispute

Complaint:
I've called and wrote to XXXX about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
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: Account status incorrect

Complaint:
The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
I received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
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 please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Transunion continuously updated a duplicate account with diffrent info each time i disputed it. My last report had two diffrent last payment dates

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 2016-10-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
An unauthorized purchased was made to my savings account, I contacted the merchant and they immediately reversed the charge made by XXXX Merchant. Wells Fargo charged me {$35.00} fee. Called to reserve the Overdraft Protection Fee, because no service was render because service was n't authorized to be made because the charge was authorized. Wells Fargo agent over the phone said the fee was legit because I did n't have funds to cover transactions. I asked the agent if the transaction was reversed, Agent said yes, XXXX did not collect {$16.00} because they reversed it because it was authorized. Agent offered partial refund of {$26.00} for the Fee of {$35.00} leaving a debit of {$8.00}. I asked the agent why they did n't refund entirely because no service was render, she said it was legit because service was rendered. I told her, no, Wells Fargo got the money. She said no. I asked her several questions in which she admitted no service was render and the fee was " unnecessary '' because it was unauthorized. Although Agent could not herself refund entirely. Well Fargo sets high restrictions preventing employees to correct legal issues when unauthorized transactions take place, Wells Fargo penalizes consumers when unauthorized transactions take place from bank accounts that are forcefully attached to their XXXX account through a contract between Wells Fargo and XXXX allowing XXXX to add all banks accounts from consumers. XXXX account had an unauthorized charge, XXXX reserved charged. Wells Fargo received charged of {$16.00} by XXXX but was reserved by Merchant. Wells Fargo charged bank account holder {$35.00}, reduced it to {$8.00} when I complained. Wells Fargo Agent over phone said it was " unnecessary '' for the fee but under restrictions set by Wells Fargo was unable to provide the full refund to a service that was never rendered/authorized. Wells Fargo Agent made every attempt to place the blame on me, but after questioning the agent through a varies of legal questions whether a bank can legally place a fee on an unauthorized bank transactions, she could not defend the company. Admitted it was " Wells Fargo '' who placed the fee on the transaction, but admitted it was n't the consumer 's fault because the fee was " unnecessary. ''

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