BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were two unauthorized funds withdrawn total {$18000.00} from my Bank of America saving account on XX/XX/2022. It is join account with my wife. I and my wife reported to Bank of American on XX/XX/2022 by phone when we found the unauthorized processing transactions online banking and also went to XXXX XXXX XXXX XXXX of Bank of America to report it on XX/XX/2022. We were told it will credit back to our account next business day. However Bank of America delayed and did not approve the temper credit back to us until today. We also reported it to FTC and XXXX Police. We were told by different staff in fraud department saying it takes 10 business days, 30 days, 45 days, 60 days and up to 90 days when we called and checked with the progress.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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 explanation
Consumer complaint received 2023-07-08
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
Under 15 USC 1681, this is defamation of my character including that I am trying to purchase a home. Additionally, I havent gotten my remedy or response for the past 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 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 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 2021-08-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After a 7 week free trial, of something called XXXX XXXX, XXXX sent me an email stating the free trial was over and charged me {$180.00} on XX/XX/XXXX. I had thought it was for an app I had recently used, but was mistaken ( although unknown to me at the time ). 

A lot was going on at the time due to moving XX/XX/XXXX, plus personal injuries sustained in a car accident. 

I was extremely busy when the free trial expired, so I forgot to cancel until the day after I saw a XXXX email stating they were charging me. 

The same day I saw the XXXX XXXX, I contacted them online to try canceling the charge. There was a lot of confusion. XXXX agents couldn't explain to me what XXXX was, and I could only guess at what I thought it was. My conversation was online via phone, and it got dropped when I tried following the agent 's instructions. 

XX/XX/XXXX, case # XXXX was opened and supposed to have dealt with the issue, but it never got resolved because the agent didn't put in the information. 

XX/XX/XXXX I received an email from XXXX stating the case was closed, so I thought the refund would be in process. 

XX/XX/XXXX at XXXX XXXX., I spoke with a XXXX agent at XXXX. The agent stated the charge was for IT technical support and is an online subscription for small to medium size organizations. I told the agent I am not a business, and I've never used tech support for my home computer. It would be easier to simply reset to manufacturers settings. 

Finally, I was able to contact an agent, XXXX, who stated the refund shouldn't be an issue, and that she saw the prior agent had neglected to issue the refund. 

Santander has continually denied the refund, even though XXXX agrees I should never have been charged, that an error occurred on XXXX 's part. 

XXXX, the last Santander rep I spoke with on XX/XX/XXXX at XXXX XXXX. stated the reason I was denied was because I waited tooo long to notify XXXX of the charge, even though I provided Santander via email with evidence showing I originally contacted XXXX the day after the charge was applied to me. 

This has been an exercise in frustration and futility.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-08-07
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2020-12-22
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:
The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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

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 2023-11-08
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-19
Company: Delta Management Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from a woman who claimed to be with Delta Management Associates. She was very rude and was unable to verify the debt. 
The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for Delta Management Associates. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. 

I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from XXXX XXXX XXXX XXXX XXXX. 
I have never heard of XXXX  XXXX XXXX  XXXX XXXX, or of Delta Management Associates. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. 

I never signed up for any of this and it should be considered fraud

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 2024-01-02
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage is owned by XXXX XXXX and serviced by Freedom Mortgage. I have been unable to set up an online account with the servicer Freedom Mortgage for over three months. For that reason, I have been unable to set up automatic payments or any sort of payment plan for my mortgage. Problem : when I go to set up my account with Freedom Mortgage, the website says that my last name and SS number and loan number do not match the data in their records. I spoke with representatives from Freedom Mortgage over the phone around XX/XX/2023. They were unable to fix the problem but said they sent the issue to their IT department. The representative said that their IT department would fix the problem, and that she would call me back when the problem was resolved. I have not heard from Freedom Mortgage since. 

There appears to be no way to change the loan servicer if I am unhappy with the level or quality of service they provide. This is unfair, and should be changed because it affects my ability to pay off the mortgage. As a mortgagee, I should be allowed to choose who services my loan, not XXXX XXXX, which as far as I am concerned, is basically the federal government. If the servicer doesn't provide adequate service to the customer, then the customer should be able to require the mortgage holder to switch who services the loan. There should be consequences to the servicer for providing poor or inadequate 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 2022-01-07
Company: EQUIFAX, 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:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: First Data Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On the XXXX of XXXX I call XXXX  XXXX XXXX money network and told them I lost my card deactivate it and they didnt and the person that took my card got money off of it

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 2020-01-25
Company: World Omni Financial Corp.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Good morning, I was so happy about paying off my {$24000.00} loan at Toyota Finance. I called them up about paying my loan off online. I was told BY Toyota that it would be quicker for me to send them a Cashier 's check- overnight it to them- and my payoff would happen immediately. Well, that was a lie, unfortunately. They received the XXXX XXXX Wednesday at XXXX and it has supposedly disappeared. They have no record of it at all. I have called several times and no one will put me through to a supervisor. They said they can't help me till the payment posts and I'm out of luck. I don't know what to do? They have been AWFUL about the whole situation. And they said I would have to keep making the payments on a car that I have sent a large cashier check for that would pay it off. Can you help me, please?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Navy Federal is reporting in violation of USC 15 USC 6802.

Navy Federal Credit Union received a certified document on XX/XX/2023, XXXX that notified them that they violated my federal rights governed by the FCRA. They are reporting inaccurate information to a nonaffiliated third party, as defined in 15 USC 6802 ( b ) ( 1 ). Navy Federal is considered the 'financial institution ' described in that same law. I have checked my XX/XX/2023, XXXX Consumer Report XXXX XXXXXXXX, and Navy Federal has not ceased to communicate inaccurate information, which by law they must cease all communication when they are notified. Navy Federal was noticed five days ago.

It also must be noted that the information being rep
orted is an alleged charge-off, from my comprehension of the FCRA and the IRS publication 4681 ( Canceled Debts ) charge-offs of {$600.00} or more would be considered income to the consumer and thus should be reported on our tax return. Also, the Lender, which is Navy Federal is required to send me a 1099-C form for this alleged charge-off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received An email that there was a major derogatory on my credit report and I was Checking and it said there was a collection from XXXX and XXXX for {$370.00} I believe someone is using my identity because few months back I received a call from a bank asking if I was trying to purchase or apply for XXXX and XXXX and I said No and they said thank you for confirming its not you. And today it says it Was in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 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 2019-07-02
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I went to the XXXX Macy in XXXX, WA to purchase a mattress & bed frame during their XXXX XXXX  Sales event. I asked for Macy 's White Glove service which includes delivering the mattress and frame for free. the sales person XXXX XXXX kept saying I should purchase a sales floor model as the Macy 's at XXXX XXXX had recently closed and he had great deals on Sales floor models But he could not offer me white glove service on the sales model. I told him I have no one to help me lift or move and I have a XXXX XXXX XXXX. XXXX XXXX manger was present who apparently is also named XXXX last name XXXX from what I have pieced together then put all the info in for a mattress that had white glove delivery then he said he could not deliver it on a Saturday  so he could give me XXXX XXXX dollars off the sales floor mattress and frame and i could order a XXXX delivery which XXXX XXXX then set up on my phone. 
The mattress was to be delivered on Saturday  XX/XX/XXXX the XXXX staff had to drag my mattress up my two flights of stairs. Then when it came time to lift the bed frame they stopped at my front stairs to my apartment and said it was too heavy for them to lift. I said Macy 's had promised the full delivery. The pair of men bickered with me and I got Macys mattress department on the phone XXXX XXXX answered and I said I was sending the XXXX crew back with bed frame because they could not even lift it up one step to my apartment door.XXXX XXXX said he would get a Macy 's Manager to call me.No manager ever called that day. I asked XXXX to call their supervisor and the young man said it was his first day and he had not ever lifted or moved anything and could not lift up any stair case the XXXX took the frame back to macys to a manager called XXXX XXXX XXXX x XXXX which never get back to me. He said he would partner with XXXX but I have left messages and never heard back from him. The number he gives me is not direct. XXXX wants to charge me XXXX XXXX and XXXX XXXX dollars for a bed frame I never obtained because their XXXX could not XXXX. 
I have attached the Macys reciept which states Macys is responsible for delivery. At this point all I want is a refund on my Macy 's credit care for the bed frame and I do not want to purchase anything from Macys again. I feel that Macy 's should pay XXXX. I am hoping you can help me with this situation.

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