BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX XXXX XXXX XXXX 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 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. 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 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 2023-10-15
Company: BANKMOBILE TECHNOLOGIES, INC
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been a customer with Customers/XXXX XXXX XXXX XXXX XXXX but I am tired of the issues that I have had to deal with. this is what has been going on, I deposited a payroll check of {$1000.00} on XX/XX/XXXX, I then had {$860.00}, because I had an overdraft issue which was an entirely different and frustrating issue, I then spoke to someone named XXXX on XX/XX/XXXX, over the telephone and was told it would clear on XX/XX/XXXX. I thought my check was cleared and I was then able to access my money and went to the atm, unfortunately this bank has blocked me from taking any money out of my account, I could not take anything out, I was able to use it at the stores but not able to take anything out. I have had so many problems with this bank, so I went into my on-line account and put in a request to close my account and received a message via email, stating that there is a hold on my account, therefore I can't close it. This is not the first time that this bank had put a hold on my account when I wanted to close it, by having transactions pending when they were not pending before I tried to close it. They are using tactics to keep me as a customer. I have had so many problems with this bank, before this, I noticed there was discrepancies in the amount on my balance many times. Now they are not allowing me to close 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 explanation
Consumer complaint received 2023-09-19
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX This is in reference to this complaint number. 
Cash app should also research to make sure where my money went and if they use the correct debit card number not just the last four digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: MA
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:
The credit bureaus stated that my accounts were properly investigated but there are still several inaccuracies such as open dates are inaccurate, date last reported is inaccurate and date last active is inaccurate. 

This is grounds for removal but they have also violated my consumer rights under : 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 : States a consumer reporting agency can not furnish an 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 2023-01-12
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill was paid in total by the insurance and this was billed separate and never charged to the insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have had multiple calls and sent multiple letters to Equifax disputing these inquiries that i do not recognize. I spoke with an agent of equifax on the phone on XX/XX/XXXX following up from my call with them on XX/XX/XXXX and the agent attempted to lie and say that I never made a call on XX/XX/XXXX. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they are to be removed to no avail. This is also the 3rd report I am filing with the CFPB regarding this. I have also filed a complaint with the XXXX  regarding this. 

The following inquiries need to be removed immediately : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
BELOW IS THE ONLINE INFORMATION SUBMITTED TODAY ALONG WITH UPLOADS. 

XX/XX/XXXX RE : XXXX XXXX  CLAIM FOR XXXX BANK OF AMERICA XXXX DEBTS To Whom It May Concern : This filing explains XXXX XXXX, XXXX purchase and collection on my XXXX XXXX Bank of America debts. As you know, they have a history of ongoing lawsuits. For example, in XXXX, XXXX XXXX was found in violation of the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
Basically, in XX/XX/XXXX this debt collector forced me to pay them {$2400.00} in order to avoid them from garnishing my salary. Attached is my XXXX Credit Report document showing this XXXX ) date ; and, XXXX ) amount paid to XXXX XXXX. In addition, they paid the {$10.00} cost to file several false Writ of Garnishment judgment claims at the XXXX XXXX court bldg. See Doc A & chart below : Instrument no. Book no. XXXX no. by XXXX XXXX, LLC amount XXXX XXXX XXXX {$4800.00} plus interest XXXX XXXX XXXX {$4200.00} plus interest XXXX XXXX XXXX THE PROBLEM XXXX I paid Bank of America debts ( via FIA Card Services ) for monthly ( for years ). Then, on XX/XX/XXXX, they approved a settlement payment with me. See attached. Regardless, XXXX XXXX, XXXX ignored my paid status. Continuously, they harassed me at home and work with calls, letters and threats. Finally, their stressful attacks on my workplace character ; & garnishment threats caused me to pay them {$2400.00}. Primarily, to protect my job, peace, income, character ( Doc B ). 

BANK ACCOUNT NO. BALANCE SETTLEMENT APPROVED DATE [ FIA Card Services ] ( price paid in full as agreed XXXX Bank of America XXXX {$4600.00} {$690.00} XX/XX/XXXX Bank of America XXXX {$5700.00} {$870.00} XXXX XXXX XXXX XXXX  : Attached find the XXXX ( XXXX XXXX Bank of America settlement letters ( dated XX/XX/XXXX ) both XXXX. See XXXX XXXX XXXX XXXX Also, see attached XXXX XXXX XXXX showing FIA Card Services with Bank of America account XXXX ( above ) ID Status : as PAID IN SETTLEMENT and Creditors Statement : Account legally paid in full for less than full balance. ( See Doc 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 2020-04-15
Company: Experian Information Solutions Inc.
State: GA
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'm a victim of identity theft, and Experian does not investigate my claims properly and they disregard the credit law that falls under identity theft. They make they own rules as they go depending on who you're dealing with.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
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: In progress
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS & INQUIRES ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
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 XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX : {$390.00}

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 2023-11-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Around XX/XX/2023 I decided to take a look at my credit report since it's been a while since I last decided to. And I noticed misinformation/fraudulent information that wasn't associated to me. After that I went calling the companies and to my luck they weren't any help. But to fill out a form and mail it so I did that on XX/XX/2023 and I assumed that started the dispute process since that's what was now showing on my credit report. So I waited for the about a month or so and got letter from XXXX stating that they did their investigation and that the accounts were removed from my credit report, Equifax needed more information like my ID or passport and my SSN Card and I couldn't provide a new ID because it had my old address on it so I already knew that was going to work since the address on my Driver License was different than the one I was making the claim under, XXXX send me a letter stating that the accounts I disputed were no longer going to be on my credit report. Then around the end of XXXX I was finally able to get my new ID from the DMV so I resent the form and information/Documents they requested another month since I sent that information, so i go check my credit report XXXX had removed the information as they stated but still had misinformation involving personal information, XXXX removed 2 out the 3 accounts and didn't fix any of the misinformation, I didnt get any confirmation letter from Equifax since I sent the documents and they just removed 2 out the 3 and didnt fix the misinformation either so for both the last to its now showing as closed/charge off but is still on my credit and it's effecting my Personal Life/Well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
How is ED Financial still responsible for all of these student loans when they can not manage any of it? 

My loans no longer show in their system but show everywhere else as belonging to them. 

Previous payments have been made and accepted, but also do not show in their system. 

Multiple attempts to contact and resolve go nowhere. 

No one responds to the multiple emails sent. Calls state a wait time of several hundred minutes and disconnect. There is a recording stating to push 1 to get a call back at your place in line but does nothing if you press 1. 

Attempts to use the online chat feature supply a link to a page that says the chat is not available.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had made purchases at Victorias Secret online for my daughter for bathing suits. I set up a payment but then she decided to return some. I think that when the return hit the system, it cancelled out my payment. They went two months without contacting me via phone or email stating my account was going to be past due or delinquent or anything UNTIL they reported it to the credit companies as 30 or more days late. They never once tried to call or contact me at all until after it was reported to the credit bureau. This is not ok, not in compliance with the fair credit rules and has dropped my score 53 points. I have never been late on payments for this card or any other and you can check my scores to see that. 

I want the 30 days late taken off my credit reports, all three reports need corrected. This was glitch with a refund cancelling out my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, EdFinancial has failed to provide me with any written documentation concerning to my monthly statement for XX/XX/XXXX. I did not receive my monthly statement via email or XXXX ; it is not available on Edfinancial 's website. My payment due date was XX/XX/XXXX. The EdFinancial website states that borrowers will receive a statement XXXX ( XXXX ) days before the due date. I reached out on several times to obtain my statement, including a CFPB complaint on XX/XX/XXXX. I still have NOT received a statement from EDFinancial. 

Furthermore, my autopayment was scheduled to be transferred on XX/XX/XXXX in the amount of {$800.00}. This did not occur. The payment direction in my account settings directs : " Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly. '' I called EDfinancial to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Wait times ranged from XXXX to XXXX minutes. I opted for a call back which I have NOT yet received. I also emailed EdFinancial and have not received a response. Foolishly, I believed that EdFinancial would do what it was supposed to regarding autopay so that my loans were paid. Instead, my monthly payment was not made, I continue to incur interest, and I can not contact ANYONE at EdFinancial to address the issue.

EdFinancial has been hiding behind " extremely high call volume and longer-than-normal wait times '' for months. This is no excuse to NOT following the laws ( Fair Debt Collection Practices Act ) when dealing with BORROWERS from whom they are attempting to collect a debt. Since EdFinancial has failed to provide me with anytype of monthly statement, I'm hereby requesting validation of the debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a navy Federal account where I was involved in a scam being taken place against me. I thought I was applying for a loan. The person called me and already had all my information and said I was eligible for a loan. I did provide the person with my access code. They ended up putting {$2200.00} in my account and snatching it back out. When I called Navy Federal they advised me someone had disputes transactions on my account and when they issued a temp credit they transferred the money out. Navy Federal ended up holding me at fault and closed my account saying I owe the money. I provided them the phone numbers they called from, email address, and forms they had me fill out regarding the loan. Im not sure why they couidnt follow the money since it was transferred out. I can provide more info if needed.

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