BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: NAVY FEDERAL CREDIT UNION
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:
XX/XX/2022, my XXXX XXXX engine went out while my wife and children were traveling from XXXX headed to XXXX. The local tow truck to a garage where the mechanic diagnosed the vehicle and said itd cost way too much to fix given the value of the car and how much was still owed on it. An economical decision was made to relinquish the vehicle to XXXX XXXX. They sent mail stating theyd keep the vehicle if I couldnt pay it off ( as if that made sense as I told them why I relinquished it to them ), keep the promissory note, and furnish the repo onto my report. They did not disclose I had to consent and state I wanted the repossession reported. XXXX XXXX also reported multiple late payments which violates XXXX5 USC 1681a ( 2 ) ( a ). My transactions are not supposed to be reported at all, good or bad. I believe XXXX XXXX wanted to willfully injure me. They never responded to my response and have continued to call harassing me. The initial letter had a threatening tone to it. The reps that called and those who answered when I reached out with concerns were also snippy. If that has any relevance. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: NY
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. the fraudulent accounts XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  are reporting on my Experian Credit report only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or round XX/XX/2020 I requested AR Resources to validate this alleged debt. Ive never been notified of this. So once I discovered it on my credit report after being turned down for and apartment I submitted a dispute letter in addition I requested validation of this alleged debt. Thirty days letter I received some paperwork with my name but other information was incorrect address it also had my insurance information on the paperwork. I requested validation I didnt receive validation only that I had a relationship with this doctors office. Recently after I disputed the account with credit bureaus it was removed. Removal is admission of guilt. This item was in collection it caused me to not be approved for a luxury apartment because of the collection item, its also caused my credit report to be affected when it wasnt even my debt. It has put a derogatory mark on my credit which is unacceptable and unfair. This false information harmed my reputation and was embarrassed in the office once I was turned down. 15 usc 1681 fair credit reporting act. Its removed now but my rights were violated under 15 usc 1692k I want AR Resources fined XXXX. Under the FDCPA I want my money for the aggravation for reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is reporting inaccurate information. The account was never late. I bought a car unfortunately the car was totaled within the first week of ownership. I paid XXXX months payment upfront. I had full coverage insurance on the car also XXXX insurance from the dealership so the car should be paid in full with no balance and list as positive credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: T.S. Holdings
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
we have tried to dispute this from an abusive landlord XXXX [ XXXX XXXX, they sent a fake bill to collections and now we are stck with this lie on our credit. the paperwork they sent is a MESS. it has us all signing under the same IP address, it has the dates wrong, and all these OUTragous charges. IQ data international refuses to investigate 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 2021-03-17
Company: Avantus, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX accessed my account for a hard inquiry without my permission or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I m sick with XXXX explain to then the give me time to make the payment but that not listened to me I bean gearing harassment me all time every days i m sick i lost my job do to the XXXX XXXX XXXXXXXX  I used XXXX XXXX I cant not get vaccinated my job give me layoff bean wearing for the unemployment and social security administrations to get my Bill on track. 
thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
At the beginning of this year, the bank change the nature of my checking account, in such a manner as to prevent me from keeping up with overdrafts. Previously I had until XXXX XXXX  or any given day I had overdraft to bring the account current for end of day. They changed it so that end of day didnt count and my XXXX XXXX XXXX XXXX XXXX limit is gone.. as a result, they have charged me more overdraft fees this year than in the entire history of my account totaling over {$6000.00} plus in overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX I receive a phone call a person saying that is he representative of the XXXX talking in XXXXHe said under my phone number there is another phone number linked to my current phone number sending advertising and commercial to other users. If I dont fix it now they going to abandon my phone number. If I want to delete that phone number I need a report from the police. He said regarding that phone number is created in XXXX XXXX XXXX  so I need to XXXX local police department. Because I dont have their phone. As the result the XXXX representative said he can help me transfer there. By there the policeman ask my passport and said I went into big troubles I need to send them XXXX dollars and XXXX or XXXX weeks later I need to send another XXXX. Before the XXXX, they promised me that they will return those money back to my account. When I trying to contact them they never response me and block me ; I realize that I got XXXX XX/XX/23 I called Chase Bank and report that I got scam from my personal checking account and the Bank help me to filed in a claim. Asking me a lot of question and told me to wait if the money could be refunded or not. On the XX/XX/23 I went in person to the bank they provided me a claim number, the claim phone number, and wire recall number. The XXXX of representatives of Chase told me wait few days to call the number. Today XX/XX/23 I call them in the afternoon regarding my claim. Again they ask me the exactly questions afterward the resolution they give me is that they couldnt give me refunded from XXXX transactions because it through the wire transfer. Later, they ask they are going to the ask that bank, the money I transfer to, for any money were leftover or recover or even both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CITIBANK, N.A.
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:
my name is XXXX XXXX my social security XXXX, citi bank lowered my cridit limit which lowerd my cridit score 10 points, where i also ran to another problem with them so its like i paid minimum payment and i noticed the minute i pay the minium payment citi bank posted, citi bank post new minimum payment where the new one double of the old one ( where i end up paying three times the original down payment ) yet citi bank repeat that with the next month, the thing i have no problem on pay full balance but i ran to the need to get a personal loan the more i put down payment the lower interest rate it will be my payments where in sensitive citi bank went and lowered my cridit limit where it lowered my cridit score where it hit me hard becuase im working of getting loan, its like i have no idea that citi bank have problem with me paying the minium payment its like why this abuse, its like it took out what im not consuming where im not planning to consume it but this practice lowered my cridit score 10 points

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 2023-03-23
Company: WLCC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was receiving calls a few years ago regarding this debt. I sent in a do not contact me letter. The calls stopped, but the emails began. Every time I unsubscribe from the emails. They would stop for awhile and then start up again. A year ago I thought was going to have enough coming in to pay off these predators so I called to make payment arrangements. After that the calls began again. I told them that I did not say it was okay to call me. I keep getting emails, I unsubscribe and then they continue to send me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged XXXX dollars for using a non-Bank of the XXXX ATM ( on XX/XX/2023 ), after I just tried using the Bank of the West ATM but it was out of service. It is the only bank ATM in town. I should not be charged for using a non-branch ATM when their only ATM in town is out of service.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: SC
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:
Complaint : The both Experian and XXXX Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with ECB per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Additional Facts : Both Experian and XXXX received Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither Experian or XXXX have provided Verifiable Proof that meets the standards of FCRA, and these two accounts still remain on both my Experian and XXXX credit reports.

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 2023-10-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a second request to verify the debt because in the first request I was given insufficient proof. I never received a response to my second request and instead received a letter threatening to sue for a debt currently in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
last month i took a look at my credit report last month and i noticed around 4 negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe XXXX cousin used my information to open these 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 2021-03-17
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Creditor access my credit report with a hard inquiry without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have hired a 3rd party representative to deal with this company because for years they have damaged my credit stating I owed money to an account I never opened no have I called to open. 
I legally changed my name from XXXX to XXXX in XXXX  I have documents to prove this. I was also broken into twice and have police reports and have reported this and identity theft. They have lost the power of attorney. They havent responded for months. I called and submitted a fraud claim and nothing. They continue to ruin my credit with this charge off that I never opened and have submitted evidence. My poa has emailed : XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX and nobody assumes responsibility. This account needs to be remediated and removed for fraud and they cant even organize their own departments and get this done. Its a complete violation of my rights and I will proceed to sue them.

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 2023-07-22
Company: CITIBANK, N.A.
State: LA
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 homedepot/CBNA, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any other purpose

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 2023-03-26
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Failed to abide by credit card contract conditions Failed to reimburse {$50.00} for not following stipulation 2 of the contract agreement. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error : We can not try to collect the amount in question, or report you as delinquent on that amount. 


If we do not follow all of the rules above, you do not have to pay the first {$50.00} of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2023-10-04
Company: TD BANK US HOLDING COMPANY
State: WI
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:
When applying for credit in XXXX of this year I was refused credit, the reason given was delinquent accounts, which I did not understand a few days later I received copies of my credit reports from the three major credit agencies and to my horror they contain numerous delinquent accounts that did not open, that is when I became aware that I'm a victim of identity fraud and identity theft After working with the XXXX, XXXX and XXXX all the fraudulent accounts have been deleted. But one I have attempted to contact the company but as today I have not gotten any response and they continue to report the account as my account. The company name is TD Bank XXXX XXXX XXXX XXXXXXXX, XXXX, MN. XXXX XXXX to rectify this issues. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have three student loans through the XXXX program, provided by the Department of Education. My federal student loans service provider changed from XXXX to Mohela on Tuesday, XX/XX/2022. On that same date, my credit card was fraudulently charged {$340.00} by Mohela. I am on a REPAYE program but under the Biden Administration 's executive order, my student loan payments are {$0.00} until XX/XX/2022. Mohela fraudulently took {$340.00} without my consent. 
Additionally, I have been making qualified payments through the Public Service Loan Forgiveness for over a year. 
On XX/XX/2022 Mohela sent me mail stating that I have only made 4 qualifying payments. On XX/XX/2022 Mohela sent me mail stating that I actually only made 3 qualifying payments. In fact, I made 18 qualifying payments. They need to update their records to show that I have indeed made 18 qualifying payments.

I have attempted to contact Mohela several times and waited on hold for 3 hours, and have been unable to reach them. 
Thank you for your help in expediting this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: AR
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 have submitted a police report to all 3 bureaus. Im getting the same automatic emails and responses. They re-inserting fraudulent accounts on my credit report. They saying the accounts are update or verified & they not giving me the method of verification. They not calling any guidelines & letting these accounts reappear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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