BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: CA
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's an account ( XXXX XXXX ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account 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 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection company is calling my cell phone which is used for my current employment. Thus, they are calling me at work during the day and night on my work phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-05-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was invited to make a balance transfer about 10 months ago that would accrue 0 % interests, which I did. 

I was again invited to make another balance transfer 2 months ago. I checked about previous one, and was told payments would be allocated evenly across both balances. 

With last month 's ( XX/XX/01 ) payment, I saw that the balances weren't decreasing accordingly, but most recent balance was decreasing before older balance. 

I contacted the XXXX XXXX  and was read a long " payment goes to here, then that, then the other '' dissertation, yet they ask for a small minimum payment, which clearly would not meet the necessary timeline to pay the transferred balance in full, but they allocate any monies maid in excess as they see fit.. 

When I asked whether the 2nd balance transfer was just an entrapment to keep me from clearing that first balance, and thus achieve the 0 % interest charge, more blah, blah, blah, blah, blah. Basically saying that the entire balance must be paid in order for the1st balance transfer not accrue interests. 

This seems as entrapment to keep me from capitalizing on the 0 % interest original offer. 

I made a request to allow me to pay off the 1st balance transfer in full, yet it remains " under review ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Navy Federal closed my account to where I could not use my credit card that I had with Navy. When I tried to use my credit card it was closed. When I tried to pay on it the bank would not allow me. They told me my account was closed. The reasons the bank stated my account was closed due to security reasons. At the time, my identity was stolen and I had support of my personal information being tampered with. The Navy Federal account is my account and the credit card is my credit card. I have no problem paying for the credit card that I owe. I was only protecting myself letting the bank know my information had been tampered with when I lost my personal information so there may been a problem and the police report would support anything problems that may have happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Almost every time they take out the mortgage payment which I signed up for them to get it on the fifth of every month they were changing me an overdraft fee that caused my account look bad and affected my credit history. I went to talk to them about it but still continue to do the same thing. I could look at my credit report with other institutions it looked better than what I see in their report was always lower than other reports and they are holding my mortgage so I couldnt try to refinance or get a fair loan mortgage because of their mismanagement of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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  have 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 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 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 2020-04-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a balance of {XXXX in my Venmo account. I sent it to a friend. Next day my account got frozen. Hers did as well. The money got returned to my account. I was told by Venmo via email that I would need to provide my ID card which I did. After they received my a picture of my ID card, the account specialist reached out to me saying that my account has been permanently deactivated and I wont be able to use Venmo services anymore. After that the balance on my Venmo disappeared. Now it says {$0.00} I messaged the Venmo account specialist again and I keep asking what happened to my balance, where did it go. He refuses to answer my question related to the balance. All he keeps saying is that he cant divulge the reasons why my account is being deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: TN
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. 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 explanation
Consumer complaint received 2023-04-08
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I paid off my Chase Southwest Credit Card Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked XXXX and XXXX to verify the account and they deemed it accurate. My credit report of XXXX XXXX XXXX are still showing these inaccuracies. According to USC 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. 

Thank you for hearing my complaint and I look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX we purchased two plane tickets through XXXX for XXXX flights. 

On XXXX  XXXX, XXXX part of the flight was canceled and we requested a refund of the flights with XXXX and XXXX. XXXX stated they were unable to provide me the refund directly, because I booked through a third party site and XXXX would need to issue the refund. I notified XXXX of this on XX/XX/XXXX. On XX/XX/XXXX XXXX  stated, " According to last updates in policy for XXXX  it is necessary to check directly with the airline if a refund can be provided. We can request all refunds via the special designated platform, a response is expected from the airline within 6 weeks, and it takes another 3 to 4 weeks for a refund to be posted. '' On XX/XX/XXXX I initiated a claim with my credit card company as it didn't seem like I was going to get a refund for the cancelled flights. On XXXX I contacted XXXX again and they stated they would provide an update once received from the airline. On XX/XX/XXXX, XX/XX/XXXX, XXXX I followed up again and have not received a response from XXXX. 

I provided this documentation to Bank of America along with screenshots showing part of the flight was cancelled. On XX/XX/XXXX the entire flight was cancelled by XXXX. Bank of America closed the claim stating : " At this time, we're unable to assist with your inquiry for the following reason ( s ) : - The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. 
- We're unable to obtain credit ( s ) for a service, or delivery of merchandise, that's scheduled to occur at a future date. Please contact us if the merchant fails to perform the service ( s ), or deliver the merchandise, after the scheduled timeframe ( s ) has elapsed. If available, please provide documentation from the merchant to support that they have no intention of rendering the service or delivering the merchandise in the future. '' This is untrue as the merchant was unable to provide the service as the flights were cancelled by XXXX. Per XXXX 's refund policy if a flight is cancelled or changed withing a 3 hr period, I'm entitled to a full refund. I also have an email from XXXX stating, " the refund will be issued to your travel agency in the form of an agency credit memo. '' The second part is also untrue, as the date of service was XX/XX/XXXX and the documentation I provided Bank of America with the cancellations was past the date of service. 

Please help me get my money back as services were not rendered and I'm unable to get my refund from XXXX. The reasons Bank of America provided for the denial of the claim are not accurate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
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 explanation
Consumer complaint received 2019-01-30
Company: BBVA FINANCIAL CORPORATION
State: TX
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 did not authorize this {$2900.00} debt with this institution. I have filed and submitted documentation to the company at least 20 times, I knew nothing of the debt until it was charged off and I began to receive collection calls from the company. I notified each and every agent that called, that this account is not mine. 

I have been a victim of Identity theft for almost 10 years. Over the past 10 years people have gone as far as getting cars, apartments, credit cards, bank accounts and utility services in my name. I have filed many police reports and done FTC Affidavits, many of the reports were filed with the city and county in which the fraudulent accounts were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Home Loan Center, Inc.
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:
On today XX/XX/2021 I received alerts on hard pulls on my credit report. I called the companies that were shown and was advised that they received information from a company called Lending Tree and spoke with a guy named XXXX and told him I did not authorize any hard credit pulls at all on my credit. The website completely stated input last four digits of social security number to look at rates. I have there was no permission given for this company to send my credit information out to run my credit at all. I have stated only the last 4 of my social security number was input and I would like to know how they received the rest of my information. I applied for credit with them years ago and I feel this company has fraudulently kept my information on file and used it improperly which is a violation of my consumer rights. I did not apply for credit with this company I was only looking at rates per the website. I have asked for them to remove this fraudulent inquiry and they have said they will only do what they can do. Spoke with XXXX XXXX says she is a supervisor and still did not agree to remove this fraudulent inquiry as well. I have spoken with two people in this company and advised that I did not request credit. When asked how did this company obtain my complete social security number both reps replied they do not know. This company is committing fraudulent activities by inputting hard inquiry pulls on my credit which in return caused my credit score to drop immediately. Now this same company while on the phone is trying to offer credit repair. I keep stating the same thing to remove these fraudulent inquiries that they have placed on my credit and they advised that they can not do it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report. Reporting late payments is unlawful/illegal.

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 2020-04-14
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicer is United Wholesale Mortgage. I submitted a request for 180 days forbearance following requirements from SEC. 4022 of HR 748 ( aka Cares Act ) signed into law on XX/XX/2020. Under the law, the servicer must provide for forbearance up to 180 days unless REQUESTED to be shortened by borrower. I did NOT request a shorter forbearance timeframe. UWM said they are only granting 90 days in spite of the fact that that law specifically provides for 180 days. UWM is NOT following the provisions of the law as detailed. I have contact UWM 3 times and requested that they follow the law and grant me the 180 day forbearance provide by HR748. They have refused to do so with no just reason other than they are choosing to shorten the time to 90 days as a matter of process on their own choosing even though I, the borrower and not requesting them to do so. 

UWM is in direct violation of HR 748 as a servicer for federally back ( XXXX XXXX ) mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' TransUnion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801.

Under the Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) All credit bureaus are in violation of both laws by reporting education records on my 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX 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 non-monetary relief