BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: NAVY FEDERAL CREDIT UNION
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Bread Financial Holdings, Inc.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me multiple times saying that I have an escalated status which I think means it went to collection I told them I am in the process of applying disability because of my mental conditions and XXXX but the lady said that I still needed to pay the minimum which was {$120.00} approximately and I said I'll ask my sister to help me pay that amount but she can't because of her situation and I'm left here thinking something might happen or something and I'm barely sleeping worrying about them and them calling me and reminding me is not helping in the slightest bit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: Self Financial 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have reached out to the creditors on many occasions letting them know they are violating my federal rights, pursuant to the fair debt collection practices act and fair credit reporting act along with local state laws please note that I am requesting these items be removed from my credit file from all the major credit bureaus please also be aware that any negative marks found on my credit reports including XXXX, XXXX, XXXXXXXX XXXX XXXX or from your company or any company that you represent, for a debt that I don't owe is a violation of the FCRA/ and FDCPA under USC : 1681 You must request all credit reporting agencies to delete the entry.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Nelligent, Ehablement of Identity fraud.and violations of the fair debt collection practices, Act including but not limited to Section 807-80 ) Violation of the fair credit Reporting Act I have no Acknowledgment of any items being reported. Thanks In Advance ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Self Lead Bank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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 XXXX XXXX XXXX, Account number XXXX, XXXX XXXX XXXX Account number 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 2023-07-04
Company: Waypoint Resource Group, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
XXXX kept raising my monthly bill when i would call to find out why got a computer and no answers why. I was on auto pay and my bill was always automatically taken out. On XX/XX/XXXX I switched to another cell carrier and finally go a live person to talk to at XXXX and asked what I owed and was told around {$42.00} because of a few days carry over with XXXX and I understood that. My next bill with XXXX was {$370.00} and sent EMAIL asking why several times starting on XX/XX/XXXX XXXX XXXX XXXX and never got an answer. On XXXX the XXXX  I get a bill from Waypoint Resource Group , LLC at XXXX XXXX XXXX so I call them and explain I want to see how I owe this money next thing I know I get a notice that my credit score went from XXXX down to XXXX because of XXXX. have never had a contract with XXXX always paid cash for my phones and Auto Pay

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 2023-06-12
Company: EQUIFAX, INC.
State: VA
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 my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm disputing have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MS
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 XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: IL
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 Account # 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 2018-05-02
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I did a payday loan, online, XXXX mistake, unforeseen circumstances happened at home and I was unable to pay. I do owe this debt, I'm responsible for this debt. I'm in the process of doing a debt consolidation that I can afford. In the meantime they have contacted my employer. I can not have calls at my work. I told them that about a month ago ( Early XXXX ). I received another call yesterday, XX/XX/2018. I asked politely, please do not call my work. I received a rather not nice text back, stating they can and will do that and in the future they will not ask for me, they will go directly to my boss. They were extremely rude. I just don't want contacted at work, I work long hours and can't always get calls made after work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: NAVY FEDERAL CREDIT UNION
State: AR
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:
Hello. After being contacted by my bank for an attempt to use ach payment I immediately notified the creditor GREAT AMERICAN FINANCE H ( thru XXXX furniture ) that I had set up a reoccurring payment with. I was charged 3 insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent 2 messages asking for grace & mercy since this ach was done in error but still no response even though I have kept my payment history positive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I can't get through to Mohela. 
I have signed up several times for the PSLF program over the years. My loan was moved and I was assigned to a nonqualifying program to which I was unaware. During XXXX and XXXX I again filled out the paperwork provided to correct my payments and they be counted for the PSLF. 
I have been a XXXX XXXXXXXX for nearly XXXX in a rural area, XXXX XXXX in WA state and qualified for the state program providing funds for my loan due to my status of public service in an extremely rural area. 
So I waited and waited and just got information for starting my repayments ( I thought after paying for 12-years my loan would be excused as promised. ). I just discovered my loan is not assigned to PSLF and this is just not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
My state won a lausuit for fradulent practices by XXXX where part of the relief was to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit report pulled, this would be a lot to put all dates and information in here but I have just gotten me a full report of this. I'm glad I did read the article because I didn't realize ( due to being uneducated in credit ) that these credit cards of pre approval was scams. I do have hard inquiries on my credit score and most of them I have no Idea where they are from and I just dispute one of them because I was so confused. I have applied for multiple credit cards on Credit Karma and I am denied all the time. So I decided to stop but I didn't know that was considered fraud I would have said something a very long time ago. This is very shocking and sad and one thing I do know is that my credit score is actually inaccurate which is why I only use them to pull what's on my credit but I do know they lie about my score all the time because when apartments do soft credit check they will say Credit Karma is not the most accurate this is your score but I'm wondering how do they come up with these numbers. I thank everyone for this information because I was about to file taxes with them due to XXXX charging all these fees and I am now I'm curious why I can't get the money spend account which is puzzling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a joint accident with someone and they let Child support take all of the money.

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 2023-08-02
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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

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 2023-02-23
Company: AMERICAN HONDA FINANCE CORP
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Honda finance corporation sold my loan after XXXX XXXX paid the vehicle off and harassed me to pay the {$900.00} balance due after they fraudulently added on EVERYTHING they could which ultimately left me with a {$28000.00} Honda XXXX! They also FRAUDULENTLY told me that I had to pay a {$5000.00} down payment to drive off the lot! The FINANCE CHARGE IS THE SUM OF ALL CHARGES! They also never disclosed to me my right to rescind! Honda finance corp has repeatedly violated my consumer rights, FCRA " This law is as clear as dayl as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Further, 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transition solicited my personal I formation to place negative marks on my credit report and profit. " XXXX XXXX ''! 
15 USC 1692k 17 USC 107

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 2023-07-06
Company: PNC Bank N.A.
State: IN
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:
For the last two months Ive had new debit cards added to my account without me requesting them and Im canceling them but for some reason PNC bank is charging me {$7.00} per card replacement in which is never in my possession, and has not been activated. PNC bank offers the option to 1. Report card lost or stolen.!! 2. Or replace card!! Im picking option 1 but not requesting a new card because I dont order the debit card and its never in my possession however.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: Bread Financial Holdings, Inc.
State: NC
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:
address is wrong inquiries are made by someone else wrong accounts are on my report XXXX XXXX XXXX XXXX XXXX never lived in XXXX XXXX fl

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought a prepaid Visa Gift Debit Card, Issueing bank : US National Bank Association. I ordered an item from XXXX, then cancelef it reight agterwsrd ( it was the wrong part # ) The cancellation was confirmed & part never shipped. The XXXX order # was XXXX ordered XXXX. Cancelled & confirmation of cancellation via phone call with customer service. Email confirmation also received XXXX. The cost of the item was {$5.00}. It was deducted from my Visa card on XXXX with a detail note stating " 10 day PreAuthorization Hold ''. 
The cancellation # was XXXX formally issued thru Vendor on XX/XX/10. The pre-authorization amount was never credited back to my card account. 10 days later, I have spoken to the bank card issuer several times. They claim XXXX is responsible for the " hold '' of my funds & I must solve the issue with them. XXXX claims the bank is responsible for deprivation of my funds. I have also talked to them several times. Earlier this evening an XXXX Customer Service Rep said that if I give the bank this Transaction ID # XXXX, that the bank will release the holding of my funds. That did not happen. The bank says there is nothing they can do to release my access to my funds! This has been a very difficult & unfair situation for me, the consumer! No where in the bank card info does it state a preauthorization hold on funds will take place, except in the case of a resteraunt tip, or for gas purchase. I feel this is a fraudulant charge to my account which there should be no reason to " borrow '' my funds! This should be illegal. It is certainly a misrepresentation of the debit card issuer to deny me the use of my purchased funds! Or is it the Vendor, XXXX " borrowing '' my money? Neither party will take responsibility. They accuse each other. I can not get anywhere with either party. Meanwhile, my funds are missing & no one is resolving it. Fraud!!! Consumer has no other options!

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