BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I loss my job XX/XX/XXXX I contacted Discover card saying I am not working and can not keep my payments and being harrass every day with calls and letters and emails.I am. being sued to go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: TX
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 written Experian multiple times disputing incorrect items on my consumer report and each time I disputed they have not responded and just updated these items as verified without sending the method of verification or validation. I have also sent Experian multiple disputes regarding unknown fraudulent inquiries on my consumer report. I feel like my rights are being violated and that Experian is not following the law when it comes to my consumer report. Experian has assumed a role and without my written permission they have been adding things to my consumer report. I never gave Experian my consent to have my information or to share my information. Experian has wronged me due to its negligence and willingly and knowingly continuing to participate after being instructed to remove these items. Here are the account and inquiries that i have been disputing. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the inquiries 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 2023-04-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I have already provided NFCU legal documents and they are still giving me reasons why I am considering taking them to Court like I have other Banking institutions and they settled. This account is fraudulent my previous roommate who came to stay with me from XXXX confessed to opening, using accounts, and she said that she did it after moving out. She had the mailbox key and would give me mail and withheld the accounts open up fraudulent. Yes NFCU is not doing anything because payments were made. Payments were made so I would have not noticed if I needed credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions Inc.
State: AL
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:
Dispute-Hard Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries.

Called XXXX- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands XXXX cards, but no hard inquiries done- CS rep agreed/confirmed no hard pulls are done when being added as an AU to husbands XXXX cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 XXXX hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding Experians assistance w/ this issue- I told her Experain was 1st called- no help- Experian stated that they couldn't do anything-I had/needed to call creditors. Therefore XXXX was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The XXXX XXXX customer service was super sweet and my complaint is not against her. I hate to make a complaint about XXXX XXXX, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

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 2023-04-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX called Chase bank about a credit card I ordered and never recieved They explained an outstanding balance of {$280.00}, the I verified I did not make. They also informed me of a second credit card card of {$10000.00} that i verified I never opened. I spoke with the faud department to get it resolved. One XX/XX/2023 I received a call from the debt collector about these balances. They again referred me to the faud department. When notified of identify threat I also froze my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There are several incorrect Accounts on my consumer report. I contacted the XXXX Credit Bureaus about it and it was said that the information is correct and i should contact the XXXX. I did and had no resolve about the issue. I was asked to contact the bureaus about it. On several attempts I was sent back and forth without any resolve of this issue. 

I contend that a charge-off is deemed an income and should not be reported on the credit report as a debt.

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 2020-07-28
Company: EQUIFAX, INC.
State: NJ
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions Inc.
State: AL
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:
Dispute-Hard Inquiries : XXXX XXXX XXXX XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs. 

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries. 

Called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX asked for my full ss # l/name- Stated no info found, since I dont have an acc w/ them- & they cant verify the inquiry- said call Experian back.

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

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 2023-06-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a CD with BMO XXXX Bank online. I transferred {$200000.00} into a CD. I wanted to make it a joint account with my wife. The bank told me that they would send my wife an email link to be added as a joint account holder. They sent the email and it said it had to be completed within 10 days. We tried to complete the link at least 12x on different days. It never worked. We called the bank 4x and spoke to customer service. They told us that they could not add my wife to the account but that they would submit a " ticket '' and have someone call us to fix the problem. No one ever called. I then tried to cancel the CD but they would not allow me. During the last call they told me to just add my wife as a beneficiary. I am entitled to have my wife as a joint account holder to avoid estate problems. And was also entitled to cancel my CD when they could not provide the services that they agreed to provide. The bank took my money, refuses to refund it and refuses to add my wife as a joint account holder. Each time that I call back, the new customer service agent does not see any notes from the former customer service agent, meaning that the agents are merely talking to us, hanging up and taking no steps to fix the problem. The bank is engaging in fraudulent soliciting activities to get 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 non-monetary relief
Consumer complaint received 2022-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Bank of America permitted an account to be fraudulently opened with my maiden name, email address, date of birth, social security number, and a former residential address on XX/XX/2022. When questioned about how this was permitted, Bank of American claimed that they use XXXX as their authenticator and that I could place a security freeze with XXXX to prevent future fraudulent accounts from being opened. I had previously placed a XXXX security freeze on my information on XX/XX/2022. When I shared that with the Bank of America representative, she said that their system should not have permitted the account to be opened. Nonetheless, it did. Bank of America representative was able to close the fraudulent account, but did not provide any clear further actions that Bank of America would be taking to prevent a fraudulent account from being opened with my information in the future.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: TN
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:
To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
SSN : XXXX Address : Your XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Enclosed : copy of State ID and Utility bill showing proof of address

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 2023-04-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Wells Fargo put a lock on our XXXX  card and refused to give us a reason as to why. I understand an account can be closed for any reason a bank choses but to not give us a reason after being a good customer for 5 years, never a late payment, and to eventually close the account and send it to the " deceased '' dept is totally unacceptable customer service by the fraud dept. 
Due to a stolen check at another bank, I had to have my checking acct closed and re-opened with a new number. Caught in the changeover was my XXXX  payment ( {$2500.00} ) so a check got returned to my bank. As soon as I discovered this, I called WF and explained the situation and made payment directly from my new account. The pymt was received before the due date. Then my card was locked. Numerous attempts to try to find out why were never answered. They asked for another pymt and proof the pymt cleared and said they would lift the restriction, but when I complied with their request, they still would not unlock. I told them I would probably close the account and was told, they were " thinking about closing it anyway '' ( no reason given ) and the next I knew I was reported as " deceased '' on XX/XX/23. This might have caused numerous complications in our lives had I not been on top of this. Don't they need some kind of proof before declaring someone deceased? 
I feel it was vindictive on the part of the fraud mgmt ( but I have no proof ) other than the was they spoke with me on the phone. Customer service was beyond horrible in the fraud dept. If you pay your bill in full and are never late and take the cash back they offered, apparently they don't want your business.

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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: AMERISAVE MORTGAGE CORPORATION
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I began the mortgage refinance process with Amerisave on XX/XX/XXXX. After multiple requests for additional documents and two closing dates rescheduled due to Amerisave 's lack of paperwork to the title agent, I finally closed the refinance on XX/XX/XXXX. The Closing Disclosure issued at this closing still had the {$670.00} prepaid cost for the appraisal in the incorrect column, showing " Borrower-Paid at Closing '' when it should have been in the " Borrower-Paid Before Closing ''. I did not want to delay the refinance any further, and Amerisave Loan Originator XXXX XXXX assured me this was an easy fix after the closing ; the {$670.00} prepaid Appraisal Fee would be reimbursed to me in a separate transaction since it would not be in the " cash to close to borrower '' disbursement from the XX/XX/XXXX closing. 

A revised Closing Disclosure was issued by Amerisave on XX/XX/XXXX with the prepaids in the correct columns, and I assumed a check would be coming in the mail. 

Several more emails and voicemails were sent to XXXX XXXX asking for an update, or for another person to contact regarding the {$670.00} reimbursement for the appraisal. A response from XXXX XXXX on XX/XX/XXXX indicated he " sent my emails over to management as well as all parties involved in the closing will update you soon as I am able and will get you a point of contact with someone else besides me so you can speak with someone in another department as well. Be in touch soon! ". 

An email was sent to me on XX/XX/XXXX by XXXX XXXX of XXXX, the closing company, asking for signatures on another Closing Disclosure form, showing the prepaid appraisal in the correct column. The email stated " Lender needs this final CD signed. '' The Closing Disclosure was signed and returned on XX/XX/XXXX. Again, I assumed this would trigger a refund of the prepaid {$670.00}. 

I sent an email to XXXX on XX/XX/XXXX asking if there was any progress on the money owed to me. No response. 

Today is XX/XX/XXXX and I still have not received the {$670.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 non-monetary relief
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The FCRA states that it is TRANSUNION 's duty to report correct and accurate information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include 120 days past due on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payment results in TRANSUNION violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give TRANSUNION written instruction/ permission to furnish these late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is CRYSTAL clear that TRANSUNION has violated my rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

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