BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have mailed out notices to the company and they disregard ignore and continue sending these fraud billing statements. notices sent on XXXX XXXX and XX/XX/2023 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The credit card account with Navy Federal is closed and has been closed for some years now. But they are still reporting on my credit report saying Im behind in payments even though the account has been closed by them. They recently reported this and hurt my credit score tremendously and also hurt my score when they closed the account. I need this information removed immediately, from all credit bureaus. If they still wanted me to pay on the account why did they close it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Alpha Recovery Corp
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named XXXX XXXX, XXXX from XXXX That went out off business for falsely billing XXXX and was raided by the XXXX. Has a Company Called Alpha Recovery there address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Phone number XXXX. They are trying to collect {$1400.00} Saying that a mental heath doctor ordered Labs. I called the mental health doctor and they said they never order labs for me and they don't ever order lab work he is a mental health councilor. 

Here is a Link backing up my information its a story of how and what happened at confirmatrix XXXX XXXX XXXX -- XXXX And here is a link to some one else having the same problem with the same company XXXX XXXX XXXX XXXXXXXX

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 2018-07-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had paid off this credit card and they claimed I paid late hence a late charge which I ignored and they kept adding more late charges. I think I did contact them and told them this was wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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:
THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT IN CONNECTION WITH ANY TRANSACTIONS MADE BY ME. PLEASE RE-INVESTIGATE THE ACCOUT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; BROWNS XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6600.00} ; 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 NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXXBalance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX Date Opened : XX/XX/2017 Balance : $ XXXX XXXX Dates 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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 notified XXXX, XXXX and Transunion several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising XXXX, Transunion and XXXX of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue XXXX, XXXX, Transunion and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.

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 2023-09-12
Company: JPMORGAN CHASE & CO.
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:
My Chase Bank mortgage obligation was discharged under XXXX XXXX bankruptcy XXXX XXXXmy credit report is showing balance due & late payment history 7 years from original delinquency date..creditor is in violation of fair credit reporting act & subjects the mortgage lender too legal liability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

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 2018-12-14
Company: Credit Service, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on several separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. This inaccurate information has caused my family the inability to obtain housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXXXXXX festival was false advertised from the beginning. Spent almost {$800.00} to be told by Wells Fargo it was past their time period but XXXX XXXXl ended up being cancelled a week before the event. It says get refund through point of purchase, which Ive tried well over 15 times at this point.

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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone tried to apply for a credit card threw capital one using my personal info and it was denied and it dropped my score, the reporting agency of XXXX XXXX and XXXX have take. Points but aswell they are not updating my credit scores as of last year in XXXX Ive been denied personal loans trying to purchase my first home I cant get approved for anything but people keep adding more XXXX to my credit report but they will. Not update it with anything positive so I can move forward with anything. This is really having a horrible influence with lenders and I cant buy my house Im being scammed out of from XXXX XXXX who is evicting me and keeping my XXXX down payment and quit excepting my house payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TD BANK US HOLDING COMPANY
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:
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 : TD Bank N.A., 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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 disputed these accounts on my experian account several times and they just keep coming back verified or meeting the requirements of the fcra which seems like a automated response being that no investigation took place. When I request for proof of verification they never send me none, also they are the only bureau still reporting this inaccurate information about me. For instance theres a collection in my account right now from convergent outsourcing, no proof or documentation that I actually owe this debt has been sent no proof of signed documents saying that I owe this debt and yet it still remains on my report, then when you try to call and speak with someone its hard to reach someone, then when you finally do they hang up in your face, theyre very rude, no helpful at all. Also I pay for the membership and its saying for my other bureaus the accounts are gone once I provide card information to on then I go to annual credit report and the accounts are still there. They need to fix this error because its very misleading.

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 2020-12-21
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:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 60 days late. There was an error on their part. I was never 60 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I purchased an XXXX from XXXX via Paypal and per XXXX XXXX  unlock policy, XXXX would unlock my phone 60 days after activating my iphone. 
On XX/XX/XXXX, a rep of XXXX confirmed that the XXXX purchased would be unlocked on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX refused to unlock the XXXX. 
On XX/XX/XXXX, I filed a dispute against XXXX with Paypal for the reason " item not as described '' On XX/XX/XXXX, Paypal denied my dispute. they said this decision was made because their records showed that the item or service associated with this transaction was delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have financial dealings with Ally Bank. On XX/XX/XXXX there was a {$10.00} fraudulent withdrawal from my checking account. The amount was not significant, but it prohibited deposits to that account ; it seems that my card had been cloned. 

I disputed the charge. Ally did not respond and I sent a secure message to them. Their wait times for telephone contact are over One Hour ; their Chat fea ture has repeatedly informed me that my " session has expired '' ( this was months ago ) and complaints made by me were never successfully addressed. 

I have hundreds of thousands of dollars with this bank and being unable to contact them to order a new debit card for my convenient checking account is beyond comprehension. 

The charge in question is this : XXXX XXXX XXXX XXXX, TX, XXXX - {$10.00} - {$6.00} XX/XX/XXXX I have no idea who this is ; there is no information on search engines, and Ally has not responded since I disputed the charge on XX/XX/XXXX. 

For whatever reason, Ally 's 24/7/365 phone contact is now HOURS of waiting, and the fact that I am unable to CHAT with them and have never been able to resolve that issue, I am reduced to filing this complaint. 

In order to change a PIN and/or order a replacement card, one has to CALL them. Even secure messaging is unacceptable according to them. Other than waiting hours for phone contact, I am given no reasonable option. 

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 2022-08-19
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a {$50.00} XXXX gift card that was valid through XX/XX/XXXX and a {$200.00} XXXX gift card that was valid through XX/XX/XXXX as XXXX gifts in the past. They were never removed from the cardboard sleeves. In XX/XX/XXXX, I removed them and decided to check on the balance, and the automated system stated that both cards had a {$0.00} balance even though the cards were never used. I spoke with several representatives at the Customer Service phone number. ( It stated on the cardboard package, " If your card is about to expire, please call Customer Service for a new card. No fee applies. '' ) I emailed copies of both cards and sleeves to XXXX with subject line : " Missing Funds '' per my phone conversation with supervisor XXXX in the XXXX on XX/XX/XXXX. I received a XX/XX/XXXX email denying my request. 

Please help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief