BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian keeps reporting me as having NO CREDIT SCORE, but I have 6 open accounts, in good standing and have credit scores with both other reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CARD Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Re : Card Premium Bank Account by XXXX. 

Received an unsolicited VISA debit/credit card in the mail. 

On XX/XX/2021 I Tried contacting the issuing company by the number listed : XXXX and visiting the website dashboard.card.com. No option to speak with an actual person was available. The only way to proceed through the menu was to provide a full Social Security number. 

They issued me a routing number and account number although I've never requested an account. 

This seems very much like a phishing scheme trying to get my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 file ( mail ) a dispute with Transunion & XXXX pretending to XXXX XXXX XXXX on XX/XX/19 explaining that I was a victim of identity theft ( fraud ). Below is the exact wording in my letters. 

" My personal information was used to obtain or try to obtain credit in my name. Please remove this information from my credit report. I am not asking for you to validate or verify with the following companies, reasoning being they will of course validate or verify the info if my personal info has been compromised. These accounts are fraudulent, I have included a copy of the police report filed. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
around XXXX to XXXX XXXX of my money was withdrawn from my edd card. I never used my edd card for anything but to withdraw money from offical bank of america banks. i should add however a week or two before these mysteries withdraws atm swallowed my card and when i tried to get it back the bank denied me. saying they werent allowed to open the atm. So after months of waiting BoA indicated that they had determined that this was NOT a case of fraud and that the transaction was authorized

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 2018-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i deposited a check in to my Chase account for {$21000.00} on XX/XX/XXXX, XXXX the check was from XXXX XXXX XXXX . the amount showed up in my Chase account and the value date is 2 business days. After, Chase decided to put a hold on the check and when i called several times to ask why, they had no answer for the next 11 days. i saw that the amount was already withdrawn from the XXXX XXXX XXXX Account the same day as my depositing the check. No explanation from Chase Bank as to why the hold in the first place. and after 11 days of me asking the same question over and over again, i got nowhere. Only after complaining to the executive office of the customer service, that someone called and told me the hold is off. after 11 days from depositing, with no explanation other than telling me the funds are available NOW, the XXXX of XXXX. I also asked them as to why the Hold? and no explanation. I also asked to have some sort of a paper stating when exactly the actual funds were available, they said they can not provide anything like that and that the funds are in my account off of hold as of today, XX/XX/XXXX, XXXX i would like to know why they put a hold on my deposited check? i would like to know why the funds were not available in my account for my use for 11 days? Knowing that the check amount was cleared from XXXX XXXX XXXX. And what do i do if this happens again, as it has previously.The company never provided me the date of when the money came in and why it was being held, the company also open a case on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX  someone attempted to open a credit card in my name. I called XXXX and Experian to 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 2019-10-17
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from XXXX XXXX XXXX proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX whos home address is XXXX XXXX XXXX XXXX, Il XXXX just recently closed on a property on XXXX XXXX XXXX XXXX Il XXXX. She used fake check stubs, used ppp funds that she transferred into a savings account to close and got an owner occupied loan and IS NOT living in the property it is and was from the beginning occupied and she is collecting rent via cash, XXXX and other methods to conceal the fraud. FHA and loan depot who facilitated the loan was notified to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020 I sent certified mail written communication to Transunion dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that Transunion used to verify all data for each listed account in a effort to avoid violations under FCRA 605. I received communication from Transunion dated XX/XX/2020. Out of 17 request for verification of accounts. Only 1 item was deleted. I request for Transunion to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to Transunion dated XX/XX/2020. requesting verification to substantiate information that is being furnished to them. FCRA requires Transunion to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation Transunion received and used to verify the information being reported and maintained in my file. Transunion must verify and validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

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 2023-02-15
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 2022-01-23
Company: TD BANK US HOLDING COMPANY
State: NJ
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/21, I filed a dispute with Target Red Master card against a surgical center by the name of XXXX and XXXX XXXX. I initially filed the dispute because of an extreme botch surgery on XX/XX/XXXX as well as being over charged. I tried to reach out to the merchant to resolve the issue and get clarity during the healing process, but the company was of no assistance. Since the dispute process has begun, the target Red card dispute department has done nothing to investigate the case. I have called over 20 times to follow up, sent multiple documents/photos/emails and have not gotten any update on the dispute. The proper protocol is for the dispute team to contact the merchant and to provide a temporary credit while investigating, but none of which has been done. I finally got an email from the merchant stating that they would be willing to refund and I still have not gotten a credit from Target master card. The process should take no more than 60 days and it has been well over 90.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Please see previous complaint # XXXX. Capital One has either stolen or is fraudulent in a sum of {$1.00} for a transfer that was taken out of my account but never received on the opposite side of the transaction. They have only reached out once for my XXXX account numbers, that is it. XXXX from capital one called. I returned his call on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX at XXXX. They have not contacted me any other time or in any other way. I gave XXXX this information and he said he would be in touch. Im exhausted from capital ones excuses. Why would I not want my money of {$1000.00} back. This issue is not resolved and will not be, until I get my money plus the interest that they would have charged me for this very lengthy time. XX/XX/XXXX!!!! please let me know how I can take further action on this matter and get my money without getting an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Navy Federal changed the yield on an open certificate from 3.5 % to 2.08 %. 

The 3.5 % was part of a promotion where if you have a direct deposit set up on a checking account, you would receive this rate. I set this up through my employer, and had multiple payroll deposits directed to my checking account ( # XXXX ). 

See deposits on : XX/XX/2019 ACH Transaction - XXXX XXXX XXXX XX/XX/2019 ACH Transaction - XXXX XXXX XXXX Navy federal is telling me that they don't count because they are ACH. When asking them to correct this, they responded : " Thank you for using Navy Federal 's eMessaging Service, Mrs. XXXX. Please be advised that the DDNP must be a direct deposit. Our records indicate that the funds are being sent weekly via XXXX. The direct deposit would typically come from an employer as part of your paycheck. If we can be of further assistance, please let us know. We thank you for choosing Navy Federal and  hope you enjoy your day. " " DDNP '' is an unclear, and misleading. What the XXXX does that actually mean? How can a payroll deposit, from an employer not be a direct deposit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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:
XXXX  is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX  - partial account number XXXX. Experian and XXXX  are reporting correctly a {$0.00} balance due on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2018-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
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:
This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2022 I had lost my job and attempted to do a forbearance and they told me I have to have had the vehicle loan open for at least XXXX  months before allowing me to do that and to call back on XX/XX/2022 so I had to struggle for XXXX  months to make this expensive truck payment. 

XXXX XXXX approved XXXX forbearance but did mention I only get XXXX per year. so they took XXXX payment of {$1200.00} and applied it to the back of my loan. 

How does allowing someone that is struggling only XXXX time each year help a person? usually with the loss of a job you fall behind on bills until you find another, and even then, have to play catch up after a few paychecks.

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