BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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 have disputed this error a number of times. Either Equifax or XXXX XXXX can not grasp what XXXX XXXX has done. I had a collection account with XXXX XXXX XXXX XXXX ( account number XXXX ). When I made arrangements to pay the last {$900.00}, XXXX XXXX XXXX XXXX set up a separate account number for me to make those payments ( XXXX ) I completed those payments and this account shows a XXXX balance. 

BUT THEY LEFT THE FIRST ACCOUNT ON MY BUREAU WITH A BALANCE OF {$900.00}. This is a violation of my Fair Credit Reporting Act Rights. And since I have now disputed it 3 times, it should be considered an act of " willful negligence '' which carries punitive damages with it. 

How many XXXX XXXX XXXX XXXX customers have old collection balances that they have already paid, sitting on their credit bureaus because of this internal process of creating a separate account for paying them off? How many credit scores are artificially lowered due to this negligent act? 

This would be a prime example for the CFPB to publish on Consumerfinance.gov so that other consumers aren't sucked into the negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$27000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$10000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2023-03-03
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:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to all three major bureaus the date of the last letter to Experian was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX Balance - XXXXXXXX XXXX XXXX XXXXI XXXX Balance - XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXX Original creditor MICHIGAN XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXXL Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$140.00}

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 non-monetary relief
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I sent the sum of {$3000.00} through chase quick pay to a friend of mine and later realized it went to a different person. I contacted my bank to help get a reversal, but the shocked response was " there's nothing we can do about it, just let it go '' or contact the recipient to request for your money. I contacted the recipient, but he hanged up my call and blocked my number. I decided to call the coperate executive office to file a claim, few days later, I got a call from chase bank that they can't help me because they didn't see it as fraud. 
The bank knows the right thing to do to recover my money, but it seems they have favorite customers. XXXX told me that my bank could get my money back, but my bank is refusing to file a claim with the recipient bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: PA
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 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have never contacted my bank before in which is Navy Federal a credit Union. Ive never contacted them about funds being stolen from my account. In which it has happened before but the XXXX app the person tried to use was able to block the charges. No help to my bank. I live in a small area and I dont travel. I work 7 days a week and I can travel out of town. My cards was stolen on top of my cell phone on which had apps the had my contact information and some card information stored on the phone. I notice XXXX $ was taken out of my card in numerous ways via stores and XXXX purchases. In which I dont se XXXX to make up {$900.00} worth of purchases. Im a routine person. Navy federal told me they are taking my provisional credit back because its normal activity for me and that is just not true. This bank does not do a thorough investigation and will loose a lot of consumers if we cant even trust them to secure our funds! Im a single mother I just got my taxes and spent it all to pull myself out of the hole I was in and I placed {$1200.00} to the side to go on top of my work checks so me and my kids will never be in a bind again! But now someone stealing my information and cards me contacting navy federal to let them no whats going on only for them to do absolutely nothing is the most disheartening thing ever what about protecting your consumers. At this point I wan to find another bank that can promise to secure my account. The charges should have looked suspicious to the bank and they should have blocked those charges mid transaction because its out of the ordinary for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am writing this due to non-compliance with the CRA Transunion. 

They have failed to remove information that was affiliated with personal identifiers that were challenged and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

The accounts are listed below : US Department of Education, Acct # XXXX DEPTEDXXXX, Acct # 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 2018-10-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
never opened account with XXXX XXXX XXXX. fraudulent account. I only have a state ID that i have had since XXXX, my ID does not end with XXXX, it ends with XXXX, they have the wrong information.

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 2018-03-12
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my second complaint on National Credit Systems. I filed my first complaint on XX/XX/XXXX. Their, response on XX/XX/XXXX was Account XXXX. I was confused as to what Account XXXX would meant. So, I called CFPB and was instructed to refile my complaint because, the agent had never seen this type of a response an could not give me any information as to what it meant. As, stated before NCS or XXXX has never contacted me about this account. I only saw it XXXX when it was placed on my credit files. On, my files it states placed for collection XX/XX/XXXX. No one has ever given me a chance to verify this account at all. My credit is important to me so inaccurate information is damaging and cause negative effects. I am requesting a investigation into this matter again. As, I would like to know what attempts and how they contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Here is a quote taking directly from the Wells Fargo Website " Your Wells Fargo Credit, Debit, ATM, and Prepaid Cards are covered by Zero Liability protectionFootnote XXXX XXXX at no extra cost. If your card or card number is lost, stolen, or used without your authorization, you are not held responsible for promptly reported unauthorized card transactions ''. 
I have had two fraud claims denied by this bank who is suppose to protect my money in the first place. How was someone even allowed to steal money from me. One for a transaction of over XXXX to a jewelry store. I don't even wear jewelry. The second to XXXX companies. I need my money back pronto. DOnt want to hear about a pin being used as ATms have card number and scimmers attached to them always.

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 2023-05-04
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 is missing that should be on the report

Complaint:
I still have a credit card with XXXX XXXX but they have not been reporting as they should since last year and I am missing a ton of on time payments which would in turn decrease my overall usage and give me a higher credit score.

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 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 purchased 9 tickets from XXXX for an XXXX game between the XXXX XXXX XXXX to be played on XX/XX/2020. A week after making that purchase California had state wide Shelter in Place order. I immediately contacted XXXX via phone and email with no response. I then contacted Capital One credit card service and filled a dispute. I was issue a temporary credit which has since been reversed. I submitted paper work showing proof of purchase as well as a statement regarding my refund. Capital One responded but saying that their hands were tied if XXXX didnt have a agreement with me regarding a refund or credit. Both XXXX and Capital One have been unhelpful in resolving this issue and Im currently unemployed and out of {$900.00} because two major companies can care less about their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/2020, XXXXXXXX reported me as deceased to credit bureaus. I disputed with XXXX and credit bureaus. XXXX is refusing to remove account status as close due to consumer deceased. I have submitted 3 disputes. Dispute dates XX/XX/2020 resulted in XXXX  stating the deceased comments would be removed. Then XXXX sent a letter stating the deceased information was verified and updated. I am not deceased and the account never closed. XXXX said all information has been corrected yet current report for TransUnion and XXXX shows this account as closed due to consumer deceased. XXXX  has updated and corrected data. Creditors and bureaus are violating my rights under FCRA. No agency is reporting me deceased. The account is active and Ive received a credit limit increase. Ive checked with SSA. I have spent money submitted documentation to these bureaus and creditor.

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 2020-06-17
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am attempting to set up an account with XXXX for personal investment and PNC National Bank, isn't allowing me to link my checking account with them to begin investing through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}

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 2022-03-12
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX. I got a notification from my navy federal credit union credit card for 3 purchases 1. XXXX XXXX for {$200.00} 2. XXXX for {$39.00} 3. XXXX for {$4400.00} I was out of town for most of the day on business. 
I contacted the bank on XX/XX/XXXX to make them aware of the fraudulent/unauthorized purchases on my card. They finished their investigation and told me that they did not see any fraudulent activity. I put in a request for a second dispute review on XX/XX/XXXX because I knew something was wrong because I dont make big purchases. And when they did a second review they denied it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX td auto finance sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over nite inever heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from td auto finance and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when XXXX XXXX total my XXXX  after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and td finance did fraud with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX Original creditor XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$570.00} XXXXL Original creditor XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$110.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX & XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX Balance {$510.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00}

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 non-monetary relief