BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I am the victim of an employment scam. I received a check of {$2900.00} from the fraudulent company on the XXXXXXXX XXXX XXXXXXXX. 
XX/XX/XXXX funds for a check that XXXX mobile deposited was available for use. I transferred a set amount of {$2800.00} to another person as instructed by the fraudulent company. By the morning of XX/XX/XXXX the funds were transferred and then the check was bounced. Causing an additional {$2900.00} to be taken from my account leaving my account balance to be in the negative of {$670.00}. I proceeded to call my Bank to report the situation and was told nothing could be done for me and that I was at fault for not knowing the check was a bad check and that their Fraud department will be unable to help. As well as not waiving the overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Bread Financial Holdings, Inc.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX allowed seller, XXXX XXXX, to lie about their location and the quality of their product in advertisements on the their platform. I attempted to purchase a mask from XXXX XXXX at the beginning of the pandemic. The masked was advertised as being comparable to a XXXX mask and manufactured in the US. But, the seller was actually located in XXXX, and the mask is not comparable to a XXXX mask. In fact, it's vented, so it can't even be worn on an airplane. And, I wasn't able to ascertain any of this until it was too late because it took 3 1/2 months, plus to get the item. I tried to cancel multiple times throughout the process as well, but the seller refused every attempt then cutoff all contact, despite asking for a call tag. 

So, I filed a claim with Comenity Capital Bank, and they temporarily removed the charge while they conducted their " investigation '' which consisted of nothing more than confirming that XXXX XXXX had received payment. That was it. They did nothing else. Then they reinstated the charge. After being given the runaround for a month or so, I filed an appeal. In the appeal I proved that Comenity Capital Bank did not do their due diligence by providing links showing that XXXX XXXX had been shut down for fraud. But, Comenity Capital Bank did not budge ; thereby, committing fraud themselves via collusion. 

The links supporting my argument are as follows : 1. WHOIS ( SHUT-FOR-FRAUD ) : XXXX : XXXX 2. XXXX  : XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX I have records of most my interactions with Comenity Capital Bank showing what was and was not done throughout the entire process as well, including, where Comenity Capital Bank refused to close the account, despite making two requests in writing. They even mailed me a new card after my second request. 

I'm also sure the FTC would like to know that Comenity Capital Bank has referred the account to collections, despite the evidence, so I'm now getting 3-5 calls per day from different numbers with different area codes where the caller hangs up once I answer. 

But, when I call the number back they all lead to Comenity Capital Bank. Or, to sum up, it's almost like Comenity Capital Bank had grown so accustomed to scamming their marks ; I mean, customers, via acts of fraud that they've got the process on speed dial. And, the game of trolling " customers '' while holding their credit XXXX along the way is just an added bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I received letter from Capital One ( Cap1 ) Fraud Protection department that my account was restricted. I contacted a Cap1 representative at XXXX and they told me to upload the 3 consecutive bank statements. I uploaded all information they requested on XX/XX/XXXX, and they told me it should take 3-5 business days to review and resolve. 

Then on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( maybe more calls than that ), I called every day to check my status, but the different agents kept saying different things from 5-7 business to 7-10 business days to review. Today XX/XX/XXXX, which is 10 business days and I have not hear anything, and I called them again. They said the reviewer team has not reviewed and can not provide any information on this case. And told me to wait another 1-2 more days, which also previously promised. I said that I plan to file a complaint to CFPB and the agent did not escalate to resolve my issues and still deferred me to wait another 1-2 days. Agent agreed I should file complaint report as I have everything in my power trying to resolve this issue, but Cap1 is not. 

I am done with the waiting game and zero communication from Cap1 regarding my restricted account. This was XXXX XXXX card which I paid ( {$400.00} annual fee ) for with minimal customer service support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-17
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX summitting this CFPB complaint requesting to the Credit Reporting Agencies to please reinvestigate the erroneous accounts reporting on my Credit File. I am submitting this CFPB complaint to you today in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 - This is a formal request for an investigation of this account 's comments, account type, payment history, and account name. There is a possibility that this information may be inaccurate. This must be corrected immediately. 
XXXX XXXX XXXXXXXX  Balance Owed : {$22000.00} Date Opened : XX/XX/2021 - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-11-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There was a charged item in the card statement in XX/XX/XXXX for a XX/XX/XXXX charged item {$56.00} plus. I disputed the amount and never been resolved. Subsequently I requested to close the qccount in XX/XX/XXXX and until now the account is open and accumulating interest and late fees. Please keep this complaint in your record file against Barclay or Credit Card Service with business address of XXXX XXXX XXXX, XXXX, DE XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XXXX  Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo was charging my bank account fees without my knowledgedge. I closed my account due to the misrepresenting their fee structure between 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They was alway trying to take more fees out of my account making my balance lower for new things to come in and have to pay fee on new things

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 2023-10-31
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: Personal information incorrect

Complaint:
I am writing to express my serious concern regarding the unresolved dispute I submitted to Experian on XX/XX/2023, XX/XX/2023 and then again on XX/XX/2023. I provided a detailed dispute letter, requesting the removal of inaccurate addresses from my credit report. 

Despite the XXXX window specified by the Fair Credit Reporting Act ( FCRA ) for investigating and addressing disputes, I have not received any communication or resolution from Experian for any of the requests, merely a dispute results can not be viewed online through the website and the inaccurate addresses remain on my report. 

My dispute letter submitted THREE TIMES previously included essential information, such as my name, current address, the disputed addresses, and an explanation of the inaccuracies I identified.

The FCRA, which governs credit reporting agencies like Experian, stipulates in Section 611 ( a ) ( 1 ) ( A ) that upon receiving a dispute, the credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. Additionally, Section 611 ( a ) ( 8 ) of the FCRA mandates that consumers are entitled to a response within 30 days after the agency receives the dispute. 

I kindly request that you promptly investigate the inaccuracies and address this matter as required by law.

I also request that Experian remove the disputed addresses from my credit report. Failure to do so would not only be a violation of the FCRA but also severely impact my financial standing. 

Inaccurate Address : XXXX XXXX XXXX XXXXXXXX, NJ XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have relied on the accuracy of my credit report for various financial and personal transactions, and this error has caused undue distress and concern. I trust that Experian will take immediate and necessary steps to rectify 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 explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX  XXXX -RESIDENT VERIFY XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.

Company response to consumer: In progress
Consumer complaint received 2021-05-16
Company: Activehours
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is not about a mobile wallet and there's no option for other but i have been using a mobile app. Its called earnins. Earnins is a service that let 's you borrow money before payday ... its a payday app and I have a limit of XXXX dollars on there and I only borrowed XXXX including small tips and they are trying to say that I owe them XXXX on my next payday. I never borrowed that much money. Thats my entire paycheck. So they get a hold of my bank account information and they are going to steal everything from me now. I need help pretty fast because that's my rent money and everything to live off of for 2 weeks. I would be drained out if every penny I have to even eat with. It's a payday service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: WA
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-11-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX money # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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 recently received the results of a disputed collections account on my Experian credit report. I disputed that the account being reported by XXXX XXXX XXXX belonged to me and requested an investigation into the validity of the alleged debt. 

Experian has come back and stated that the debt has been validated. However ; when I look at my credit report Experian is reporting inaccurate addresses associated with my account, even after I disputed that these addresses belong to me. XXXX XXXX has never sent me any letters in the mail & if they have they have been sent to an incorrect address. 

Please review the attached documents and let this be a notice that I dispute the validity of the addresses being reported on my credit report. There is no way that XXXX XXXX debt could have been validated, otherwise my correct home address would be listed as my current address with Experian. You are required to ensure that all information on my credit file is accurate. 

From my research XXXX XXXX XXXX XXXX belongs to an Apartment complex community. There is supposed to be an apartment number attached to this address. Paperwork that XXXX XXXX XXXX alleges to have sent could have been sent to any Apartment # in that community. If this address or any of the addresses currently listed on my credit report where used to validate the debt that XXXX XXXX XXXX alleges that I owe ; I demand that this debt be removed from my credit report for inaccurate reporting and for failing to do a proper investigation. 

Please also be advised that I am disputing the accuracy of the XXXX and XXXX addresses on file as well. I request that the addresses that they are reporting do not be used to validate a current or former address/ and or any alleged debts.

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