BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I previously filed a complaint regarding important credit history missing from the 3 credit reporting agencies, XXXX, XXXX and Experian. Out of the three agencies I have acquired one accurate credit report summary from XXXX that reflects my correct 30+ year credit history summary. When I checked my credit reports around 4 months ago, all 3 agencies were the same as this attached copy from XXXX. 

Once more I would greatly appreciate your assistance in getting my credit history summary corrected with XXXX and Experian.

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 2023-01-31
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and Acctount # XXXX, has violated my rights. 

15 U.S. Code 1681 section 602 A. States i have the right to privacy.

15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company recently added a collections account on my credit report on XX/XX/23. This company has sent many text messages. I ignored them because I get a lot of spam texts and calls. The last text I have is from XX/XX/23. They called me one day mentioned a debt that I have never heard of or had. I advised them this and I thought it was over. Now this is on my credit report. Also, I am under bankruptcy so them contacting for a debt, even though the debt is not mines, is illegal. I want this off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2019-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today on XX/XX/2018 I was defrauded of concert tickets I was trying to buy for myself. I asked XXXX XXXX, the seller of the two tickets, if she could send me her XXXX and she insisted we use XXXX for the transaction. I have sent money to my family using it, as our bank uses it, so I felt safer knowing it was backed by my bank. After sending her {$50.00} she immediately blocked me. She gave me the number ( XXXX ) XXXX and the name XXXX XXXX ( I now feel as if it is a fake name and possibly number ). I am angry and upset that I am in this position. I do not know what other options there are. I would just like that this person pays for their inhumane actions. I do not know what else I can do. USAA cant get the money back from her. Any and all help in resolving this matter is appreciated. Let me know what else needs to be done in order for me to have this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the XXXXredit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. I've had accounts with Navy Federal Credit Union for approximately 4 years. All activity throughout this period has been consistent and fully within the terms and conditions they provided me when I opened the accounts.

Shortly after this, the credit union closed my credit card and refused to pay rewards I had earned on the account in accordance with their terms and conditions. The credit card agreement stated I would receive 2 % cash back for all purchases I made with the card. At the time the credit union decided to stop complying with their credit card contract with me, my account contained XXXX points, worth {$44.00} if redeemed for cash as described in the credit card terms and conditions. 

Had I known the credit union would violate their own contract by refusing to pay rewards I had earned, I would have used another bank 's credit card. Since the credit I would like to point out again, the credit union never provided me a reason for closing the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-10-15
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity.

I paid a {$49.00} annual fee for the card. Since the credit union closed the card, I am unable to use it, therefore they should return the fee I paid for the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I informed Wayfair that a fraudulent charge was on my card. I told them I did not make the purchase from XX/XX/XXXX. They sent me a letter telling me it was going to be removed from my account and credit report. THEN ANOTHER charge was fraudlent on my account on XX/XX/XXXX. THEY DID NOT CANCEL CARD! This allowed ongoing identity theft. I disputed it on XX/XX/2023 and XX/XX/2023 and they both came back verified. Citi bank reported the payment as 90 days late on XX/XX/2023. They have been informed for over 3 months that this is fraud. This information is the result of identity theft and it has dropped my credit score almost XXXX points. I called today and they said they would take care of it. This is the only negative thing on my credit report and it is causing my financial harm. They need to cancel the card and change the account number and fix my credit report to Pays as agreed, NEVER late. I'm sending my third dispute to the bureaus today along with this complaint.

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 2023-12-05
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I informed Wayfair that a fraudulent charge was on my card. I told them I did not make the purchase from XXXX XXXX They sent me a letter telling me it was going to be removed from my account and credit report. THEN ANOTHER charge was fraudlent on my account on XXXX XXXX. THEY DID NOT CANCEL CARD! This allowed ongoing identity theft. I disputed it on XXXX XXXX XXXX  and they both came back verified. Citi bank reported the payment as 90 days late on XXXX  They have been informed for over 3 months that this is fraud. This information is the result of identity theft and it has dropped my credit score almost 100 points. I called today and they said they would take care of it. This is the only negative thing on my credit report and it is causing my financial harm. They need to cancel the card and change the account number and fix my credit report to Pays as agreed, NEVER late. I'm sending my third dispute to the bureaus today along with this complaint.

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 2022-04-19
Company: Moiharwin Diverisfied Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 at XXXX am PST I received a voicemail from XXXX by an individual identifying themself as XXXX from XXXX XXXX XXXX XXXX. I've never been contacted by any debtholder that I am past due or owe a debt. XXXX asked me to call back and provide my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been involved in a dispute with PayPal for three months. I sold an XXXX XXXX ( XXXX ) on XXXX on XX/XX/XXXX. My listing for the sale on XXXX was XXXX. The criteria for the sale is the phone must be fully functional, clean ESN, ready for activation, no water damage or cracked screen. XXXX verifies that the phone is ready for activation even before the listing goes public for sale. My buyer is claiming the item is not as received. There are seven photos of the item on XXXX clearly showing the item at every angle. Buyer received what was advertised and XXXX clearly states the seller does not accept returns. These are the facts of the case. Every time I call PayPal they refuse to hear my side and only listen to what the buyer is saying. PayPal made a final decision on XX/XX/XXXX in favor of the buyer. I need all the help I can in getting this matter resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were two unauthorized transactions from my account. Each one were one separate dates. On XX/XX/23 {$400.00} was taken out at an ATM at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. And the other transaction was on XX/XX/23 {$100.00} was taken out at another ATM but at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those dates I was visiting family for XXXX XXXX weekend at XXXX, XXXX. I did get a hotel at XXXX XXXX. I thought at first my funds were low for the hotel deposits. And when I was waiting for pizza I ordered on XX/XX/23 I looked at my statements and noticed those unauthorized transactions. I called my card company and reported it. I told them I have my card with me so how was my card used at an ATM machine? I told them I only use ATMs that they suggested cause of no fees ( I had a bad experience where I was charged twice, so I don't use that ). American Express Serve closed my card and sent me a new one. They told me to fill out the dispute for both dates and they will investigate. I filled and sent it out and waited. I got an email saying " Recently you inquired about your charge ( s ) from your Serve card in the total amount of {$500.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account. '' I called the customer service and told them how was it authorized when I didn't authorize it? I got no help. My co worker told me to just keep sending a dispute. to keep fighting. I send a second one and again I received the same answer. I'll be sending a third one in a few days. How is it that I'm a good hard worker ( working so many hours, barely getting sleep, living paycheck to paycheck to get by ), when thieves can just come by and snag my hard earn pay and get away scot free? We trust the banks to do their jobs and to help their customers. That's what I do at my job. I care about my customers because it's them that pay your paycheck. They give you business. I would like them to do their jobs in actually do some investigating and get my money back that I honestly earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
XXXX  has failed to pay out the XXXX gift card owed and has essentially STOLEN. On XXXX XXXX I traded my XXXX ( {$65.00} ) and XXXX  ( {$49.00} ) gift cards in trade for an XXXX gift card. They gave a 2-3 day max and did not receive payment. They have sent an automatic reply twice. How do we allow companies like this to stay in business? Hundreds of others are being scammed too per reviews.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$1900.00} ( shown as {$1900.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation TO PAY MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
Hello, I am writing because, I sent these companies letters for over 2 months disputing what they have on my credit report and the amount that some companies are saying I owe them and I still have not received any corrections to my account. They had a time to respond and they didn't and it should be removed. Also all XXXX credit bureaus are not even reporting the same thing and is doing an injustice to me. please help me clear this up because what they are doing is unjust and wrong.

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 2022-06-19
Company: Experian Information Solutions 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:
Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

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 2022-04-19
Company: MORTGAGE CENTER, LC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am supposed to close on my mortgage loan with Mortgage Center on Thursday XX/XX/XXXX per my purchase agreement with the seller. My realtor and I were unable to contact them last Thursday and Friday after multiple attempts to multiple employees ( processor, manager, main line ) to ensure everything was received on time. 

Yesterday, XX/XX/XXXX, Mortgage Center said they did not receive documentation from the title company that had been sent on XX/XX/XXXX. 

Today, XX/XX/XXXX, they told me I needed more money in my bank account without disclosing all the numbers. I went and got a check and gift letter from my father to put into my account within an hour of receiving this notification even though I surmised I had enough money. 

An hour later Mortgage Center gave me my predisclosure which showed my {$990.00} homeowners insurance that I prepaid as a homeowners association fee that I haven't paid. The predisclosure also did not show my {$5000.00} earnest money deposit. I notified Mortgage Center to fix these two issues and they emailed me that I need to sign the form or I will not be able to close on XX/XX/XXXX ( a day late ). I told them I would not be signing an incorrect form and the changes should be made. Furthermore, when these changes are accounted for, I did indeed have enough money without asking for my dad 's check or gift letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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, Account # XXXX has violated my rights. 
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.

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, other than record 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