BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX Deposit made after XXXX XXXX  at ATM for {$3300.00} - {$220.00} immediately available. Called bank about hold time, and funds were to be released XX/XX/XXXX. 
XXXX fund not released, no notification of extra hold given to me. Will not release until XX/XX/XXXX. Was told by chat agent to call in. Called bank and was told Fed returned the check unpaid. Escalated to a manager who said Safety had extended the hold that it had been returned by the Fed as unpaid. 
XX/XX/XXXX afternoon - received confirmation from issuer that check was not returned and was being processed. Provided information to the bank. Was told it had not cleared yet and if it being cleared could be verified they would release funds. 
XX/XX/XXXX evening was called by issuer and informed that XXXX XXXX had cleared the funds. 
XX/XX/XXXX - called NFCU and they refused to release funds. Will not release until XX/XX/XXXX NFCU availability policy is 5 business days from acceptance of deposit. I was told repeatedly when it showed cleared by XXXX XXXX these funds would be released. 

Paperwork provided is by issuer of check. Despite repeated requests for copies of hold notification or reason for additional hold from Navy Federal Credit Union not a single piece of information was provided. Even when told I would be emailed a copy nothing was sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I was sent an alert from my financial institution my checking and savings accounts had been wiped clean. I learned it was done by a debt collection company based out of XXXX, NY with offices in state I reside New Jersey. XXXX XXXX XXXX was the company, I phoned and was told a summary judgement had been passed with regard to a collection agency XXXX XXXX for a charged off credit card account from XXXX. I know I should have been contacted to appear in court a supeona should have been sent registered mail for signature it was not. I also know according to FDCPA I have the right to request all of the information about this account payment history signed documents of transfer basically all information you would have from a transfer of ownership. They would not comply. Instead they probed my for more information they didnt have such as contact number employer information and vital details. I researched this collection agency/law office and they have hundreds of complaints of similar situations where they routinely operate outside the scope of the law yet it seems no action is taken. I formally request since I am unable to get the evidence I requested and they have seized all of my monies checking and savings for my housing and essentials. If they went through the proper channels I would have been notified how is it this office can operate legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-11-13
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 


Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2022-02-09
Company: Experian Information Solutions Inc.
State: MA
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 noticed an inquiry for XXXX XXXXXXXX back in XXXX, I called XXXX XXXX and was told I was approved for a credit card that I did not apply for and that my last name was spelled wrong. I just received a letter from XXXX XXXX that they had a malware attack and my social and name were included in this attack.

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 2023-01-12
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MI
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:
Inquiry was submitted that I did not complete on 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 2023-11-13
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 appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be updated right away. 
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 2023-08-16
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Month after month when I make my payment which is on XXXX the XXXX of each month it takes XXXXt more than 10 days once it took them 27 days yo update my payment reflecting online and balance this is beyond ridiculous they come up with more excuses than enough here it is they drafted the payment out of my account XX/XX/XXXX and its now XX/XX/XXXX and they havent updated my balances paid on time but are quick to report Ive used most my limit when in fact they just refuse to their jobs and post payments this has been going on XX/XX/XXXX and frankly Im tired of emailing and calling every month they claim I can call with my bank on the line yo confirm funds have cleared its been two weeks they are very aware they received the payment if I could close the card without affecting my credit severely I would its unfair practices to the consumer its no where in their terms and conditions that they can process and update payments at their leisure again last month it took them almost 30 days until I called and complained

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MI
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:
Inquires were placed on my credit reports that I did not complete

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 2023-12-29
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: 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 confidentially 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 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 has violated my rights. 15 U.S. Code 1681 Section 602 A. states I have right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 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 2023-08-16
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
I have written to TD Bank several times concerning the TD Cash Visa Signature Card ending in XXXX - This is a closed account but they keep adding finance charges and late fees monthly to this account. Its now up to {$100.00}. I closed all my TD Bank accounts on or about XXXX or XXXX, 2023 and was not aware that this one account was still open and active. On or about XXXX, 2023, I received a letter from TD Bank indicating an amount of {$76.00} was due on this credit card ending in XXXX. I called the bank to inquire about this charge and was informed that XXXX charged this card {$4.00} in XXXX, 2023 and again in XXXX, 2023 {$4.00}. I immediately paid the this charge of {$9.00} under reference # XXXX and requested the bank waive the finance charge and late fees. They refused. Furthermore, I also informed XXXX not to charge this account any further. However TD Bank is continually charging this account late fees and finance charges. I paid what was due when I became aware that XXXX was charging this account and feel its unreasonable that TD Bank keeps adding monthly finance charges and late fees to an account that is no longer active. I am hoping you can provide me with some relief to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a new vehicle through financing with Chase Auto in XXXX of XXXX. In XXXX of XXXX, I had inquired about refinancing that loan with XXXX  XXXX to get away from what I viewed was extremely predatory practices by Chase ( continuing to charge late fees when they had info on record that I was unemployed due to COVID-19, even amongst the media reporting they were waiving late fees for their credit card holders ). 

XXXX XXXX contacted Chase on XX/XX/XXXX for payoff info. On XX/XX/XXXX, Chase received a check for that payoff amount but didn't record it until several calls and tracking info from me 2 weeks later. As if that wasn't enough, Chase informed me that the 2 entries on my ledger balance that I noticed while trying to figure out why they hadn't recorded my payoff with them that were labeled " REFUND CREDIT '' and " GAP REBATE '' were not in fact rebates or refunds to me, but simply to indicate they cancelled my GAP insurance and applied the unused balance to my payoff. I asked them how they had permission to cancel my insurance, and they said it's an automatic process when loans are paid off. 

I have several screenshots of ledger entries that indicate I'm due a refund, but have not received anything or heard a consistent reason why. First I was told that it's an automatic process... then I was told that someone physically cancellled it. When I asked what date it was cancelled, they can't provide it. 

My main concern here besides the invisible refund of my insurance that was overpaid by me is that they cancelled insurance without my knowledge. If I would've totalled my car in between title transfer process, what would I have done? 

I feel everything about Chase Auto has been predatory since Day 1, and I'm hoping you guys can look into this. I can provide any additional information you may require to document my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022, I received a call from the scammer who pretended to be a chase employee and called from the same chase number on the back of my debit. He said that somebody was hacking my account and that he sent me a one time code. I've dealt wjrh bank employees in the past who have asked me for the one time code while fixing my accounts so I provided it to him. He then wired {$4000.00} to himself from my account. My bank did not call me to verify if it was me trying to wire the amount.

I've been dealing with Chase 's fraud department and they said all they could do was contact the bank it was wired to try to reverse it. I spoke to Chase employees who said the same situation occurred to other clients yet they received their scammed funds within XXXX hours. 

I never approved the $ XXXX to be wired and I was scammed. Please have Chase refund my scammed amount of $ XXXX. Chase knew it was a scam because they had me close all my accounts and get a new one yet they don't want to do what's right and actually reimburse my funds that were stolen and scammed from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/ PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT ASAP, THESE INQUIRIES WERE NOT 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 non-monetary relief
Consumer complaint received 2021-09-08
Company: Home Loan Center, 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:
XXXX XXXX solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of Lending Tree messing up people 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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