BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
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: Was not notified of investigation status or results

Complaint:
Good afternoon, I am writing to you because I never authorized any furnishers to report on my credit and the information they are putting on there are fraudulent and wrong. I wrote to all 3 credit bureaus and none of them responded in over 2 months. I want these frandulant reports removed or I will seek litigation because what they are doing is also wrong by putting false medical reports on there I never authorized to report and they never verified any of this. Thank you for your time.

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 2017-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Re : Wells Fargo checking account. 
They took a check that cleared from XX/XX/XXXX and processed it again. Those funds were taken out of my account on XX/XX/XXXX. After several calls and a threat to take this matter further with you, I gave them until today to put the money back into my account. The did put the money back into my account today ... but ... they were not able to or willing to explain how this happened. 
I would like you to investigate how this happened. 
I will include copies of the check and my current statement. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Resurgent Capital Services L.P.
State: FL
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:
N Accordance with the fair credit act 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 a account without instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s 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 2015-12-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have optional overdraft protection on my checking account with Navy Federal Credit Union, but I have been advised by XXXX different representatives over the years that they do not charge the fee if the negative balance is less than {$5.00}. I have part of my paycheck direct deposited every two weeks ( {$210.00} on XXXX XXXX ). In addition to that, I deposited {$80.00} on the XXXX and XXXX. I used the account on the XXXX and deposited cash into the ATM at XXXX XXXX to cover those charges. Cash is 100 % guaranteed funds. I wake up this morning to a {$40.00} overdraft fee and my account in the negative for {$42.00}. As of XXXX XXXX, my account was in the negative roughly {$.00} cents. XXXX charges on the XXXX, XXXX of the were completed by midnight and my deposit is still pending. I called a spoke to a " supervisor ' by the name of XXXX who treated me like I was incompetent, stupid and confused. I am XXXX years old and I have been in the banking/finance industry for almost 11 years. I asked for the {$40.00} fee to be removed, she stated they do n't waive those fees. I feel I have been wronged since I have been advised they do n't charge the fee for balances less than {$5.00}. I am at a negative {$42.00} ( {$40.00} of which is the fee ). Navy Federal is known for their horrible customer service and very unsymapthetic and uncaring management staff. 

I had decided to give this company another shot after having been with them for 12 years previously and now, I do feel like the stupid one. I should have known better.

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 2022-03-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage from USAA Federal Savings Bank, refinanced in XXXX. I have been paying the mortgage consistently, making slightly over half the mortgage payment on the XXXX and XXXX of each month. On or about XX/XX/XXXX I reviewed my account online and noticed that the XX/XX/XXXX payment for {$860.00} had not been credited to my account. I called XXXX, servicer for USAA and notified them of the problem. I provided them with the information they asked for, specifically a good faith letter from my bank. They also lost the payment from XX/XX/XXXX, although that showed up in my account after about a month. I have been in contact every week with USAA or one of its contractors. 

XXXX sent a foreclosure notice offering a meeting. We sent a letter back with more documentation showing we had paid on our account, and accepting the offer of a meeting. XXXX then withdrew the offer of a meeting, and asked for more documentation. Account statements from our bank were sent XX/XX/XXXX, and again on XX/XX/XXXX. There has been no response. On XX/XX/XXXX we discovered USAA had issued a non payment report and destroyed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Misleading over the conversion of a mortgage in New York State. At the very end of the conversation a point fee went up from {$400.00} to {$3400.00}. I was a die hard USAA member. Brutal experience

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As a XXXX  settlement I sent a check to World Finance to have this debt deleted from my credit report. World Finance read the communication for release and removal. However they cashed the payment and continued to report a write off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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:
I find it disheartening that you keep claiming these 2 accounts to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete these accounts.It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at mt attachments as proof you can see that is not accurate and consistent. The accounts in question are XXXX XXXX  XXXX and XXXX XXXX  XXXX/XXXX XXXX XXXX. Here is the incoonsistencies with XXXX XXXX. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. Now for XXXX XXXX  XXXX/XXXX  XXXX  inconsistencies. LAST REPORTED is inconsistent amongst you and the other bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus an DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. AGAIN I have attached documents that clearly show that you have not properly verified anything. Please review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NJ
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, 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 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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2022-07-09
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking account at Citibank online on XX/XX/XXXX and funded {$6500.00} on XX/XX/XXXX as part of the deposit requirements of their promotion at that time. However, in the meantime, I was not able to log in to my online account out of the blue, and I was told by the agent that my account was a matter of the closure of their own will. 
I tried to contact the supervisor of Citibank multiple times to find out why my account was forced to close, could not get my fund back from the period of XX/XX/XXXX to XX/XX/XXXX, but was not able to find out anything related to the happening. 

I put my {$6500.00} on Citibank on XX/XX/XXXX and still can not get my money back, which causes inconvenience to me. I don't understand their response to me, and not happy about their poor customer service.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
*Please provide breakdown of fees including any collection costs and medical charges. 
*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My name is XXXX XXXX a federally protected consumer. I am making a complaint against XXXX, XXXX, and TransUnion for committing identity theft. I never gave XXXX, XXXX, nor TransUnion, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau XXXX, XXXX, nor Transunion consent to furnish this information on my consumer report. 

Please see attachments

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 2021-08-05
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They are denying my app without sending me a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment due date occurred on a non-business day and over a holiday weekend. On the due date I attempted to pay online but the online system did not let me post on the due date, I could only post the payment 3 days later. As a result I was assessed a late fee. 

I called on a business day after the fee was assessed but was told the late fee could not be reversed. I was also informed that I could have called and if so the posted date of payment would not have been considered late. 

This makes no sense from a consumers point of view - why does the credit card company 's system allow payment by phone on non business days to be made but not the online system? The online system blacked out the possibility of paying on time for 3 days! This appears to be nothing more than a sneaky way to assess late fees and interest charges to customers for greedy profits. How can the phone system be different than the online website payment processing? If calling by phone could be credited on non business days then so should paying online. I was given run around explanations for the difference. 

The highest XXXX I spoke with on the phone sneered and snickered at me, not taking my concerns seriously or with professionalism.

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 2022-07-09
Company: AVANTE
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:
Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
*Please provide breakdown of fees including any collection costs and medical charges. 
*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A credit card was opened in my name for a business. I had no knowledge of account and did not have a card or responsibility to pay any of the bills. The business always paid every bill and is responsible for debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: AR
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:
My name is XXXX XXXX a federally protected consumer. I am making a complaint against XXXX, Equifax, and XXXX for committing identity theft. I never gave XXXX, Equifax, nor XXXX, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau XXXX, Equifax, nor XXXX consent to furnish this information on my consumer report. 

Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but i just remembered i could file a report in here as i feel they are not doing their job properly and it is affecting my business and my deals as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.

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 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/2022 I requested from Capital one auto finance a COPY of my PAID receipts for the payments that were MADE from Years XXXX for the auto loan. I would like a copy of all receipts MAILED to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation