BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reporXXXX XXXX XXXX XXXX XXXX  : {$3100.00} XXXX XXXX, XXXX. XXXX XXXX  : {$13000.00} XXXX XXXX XXXX  : {$28000.00}

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 2023-12-08
Company: U.S. BANCORP
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Ive been trying to upgrade old US bank XXXX XXXX XXXX XXXX XXXX  to new XXXX XXXX XXXX XXXX. Old one has {$50.00} annual fee, new one has {$0.00} annual fee. Ive been trying to upgrade to new one since XXXX, but every time I call customer service, the representative said theres no offer for me to upgrade and told me to apply new card. If I open new card, I wont able to close old XXXX because of credit score and I would end up with XXXX credit cards, which the US bank is giving me misleading recommendation. Today I talk to manager, I asked how long it will take me to get upgrade offer and she told me there wont be offer for me in the future and told me to apply for new card to get {$0.00} annual fee XXXX XXXX XXXX XXXX XXXX. Ive been US bank skypass visa customer for long time. This isnt a right way to treat old customer.

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 2023-09-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: NC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2023-01-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$330.00} XXXXXXXX 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
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
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:
Credit bureaus and creditors were first made aware of identity theft and inaccuracies on my report in on or around XXXX associated with these fraudulent accounts loans. All accounts associated with this debt should have been reported as fraudulent. This discrepancy has thus been removed from only XXXX out of XXXX of the credit bureaus. I am sending this complaint on behalf of both XXXX XXXX and XX/XX/XXXX for still reporting inaccurate information. I spoke with a supervisor from credit Bureau and was told back in XX/XX/XXXX that this would be removed however its still being reported. Since then I have filed XXXX separate police reports concerning this fraud and forwarded this over to the company and never got response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband was issued a threat of a judgement being placed against him from Mountain Land Collections LLC in XXXX and we spoke with XXXX in their office, resulting in an agreed upon monthly payment plan of $ XXXX beginning XX/XX/2023. I requested confirmation of this agreement ( 8 times ) and never received it. Then, within days of our verbal agreement, our joint bank account was debited in random amounts for hundreds of dollars, repeatedly. These charges were NOT approved, and after speaking to XXXX XXXX in their office, she confirmed OUR bank account was attached to OTHER files they had and we were paying other peoples debt! She assured us on XXXX this was corrected and again the next day XXXX, another fraudulent charge appears! They are not responding and still have not confirmed our agreement and are still withdrawing from our account, illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A XXXX  DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX XXXX bankruptcy Acct # XXXX, XXXX XXXX bankruptcy Acct # XXXX, XXXX XXXX BANK Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/22 I informed all three bureaus to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. 

I've also called the various bureaus multiple times to have this removed over past 2 months and no bureau removed it. 

I didn't even ask for a fraud alert. 

They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago.

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 2022-02-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For case XXXX, Wells Fargo has violated multiple consumer protection laws and thus I need CFPB take enforcement action.

1. For the unauthorized transactions amount at {$12000.00}, as its clearly indicated in the police report, the transactions was unauthorized and was categorized as fraud. However, XXXX failed to provide any response indicating why the transactions were considered as not fraud -related, nor provided any evidence to provide customer 's authorization. Stop payment is not sufficient cover the loss. 

2. Additionally, Rule 1005.11 ( c ) No provisional credit was given within 10 business days of receiving the error notice. The oral notice was given to the bank on XX/XX/XXXX and written notice was given XXXX after several follow ups. However the bank fails to provisionally credit the consumer 's account in the amount of the alleged error. 

3. Rule 1005.11 ( c ) ( 4 ) ( ii ) When I reported the case to the bank, the bank failed to provide Written explanation. The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings and shall note the consumer 's right to request the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents.

4. Rule 1005.6, Following the law, timely notice was given to the bank both in oral and in written. As such, consumers are not responsible for unauthorized transactions. With XXXX 's Zero Liability protection, consumer won't be held responsible for any promptly reported unauthorized card transactions. However, XXXX hold the consumer reliable for such fraud activities. 

As such, I need the bank provides explanation for each points since it violates multiple laws. Especially the basis of determine that this is my authorized transactions.

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 2023-08-31
Company: EQUIFAX, INC.
State: NM
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 confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto/RV loan was recently transferred to BMO. For the past three months BMO has lied and made it very difficult to make an extra principal payment. The XXXX month I called and was told by the call taker that a principal payment could be taken over the phone, which I did. I checked my account a few days later and it was not applied correctly and had to call to have it reversed and applied correctly. The XXXX month I called and was told by the call taker that a principal payment could not be taken over the phone and had to be mailed by check. I did that and specifically made sure it was labeled principal. I checked my account and it was still not applied correctly. I called and had it reversed and fixed. This time I was advised that if I made an " external transfer '' from my bank to the BMO auto loan that anything over what is due will automatically be applied to the principal. I checked my account and imagine my surprise when over 80 % was applied to just interest when I did not owe anything on the account. I called for the XXXX month in a row. This time the person I spoke to told me principal payments were not allowed and I had to pay off the interest. I got very upset and she said she would transfer me to a specialist. She transferred me to main phone tree instead of a specialist. I waited on hold for a 2nd person who was able to fix it.

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 2019-07-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Hello, last week I attempted to log into my Navy Federal Credit Union account to perform routine duties in my corporate account. This is a business account that is held under a corporation. I was 1 ) locked out of my account, 2 ) when i called was told I couldnt use my account due to a personal debt 3 ) told I couldn't use my funds to make payment towards a personal debt because of security 's guidelines 4 )  was then told that money belongs to Navy Federal and not me ( XXXX in Security told me this ) 5 ) was hung up on twice by XXXX 6 ) nowhere in any of your disclosures does cross-collateratization come into play on corporate accounts 7 ) " XXXX '' refused to transfer me to a supervisor or give me her supervisor 's name 8 ) " XXXX '' specifically said the funds in the corporate account belong to Navy Federal and no longer belong to me. In actuality, they belong to the corporation and not myself or Navy Federal Credit Union. These funds are held by a corporate entity. Its not a sole proprietorship. Its a corporation. This is a gross violation against Navy Federal Credit Union 's 2016 consent order with the CFPB and I demand those funds be released immediately. I've even made payment arrangements on all of my personal accounts and fully resolved 2/3 of these accounts. I've even gone to length to make payments arrangements on the final account and gave them money towards the debt. When made the attempt to make arrangements with " XXXX '' in Security of {$9000.00} towards the last outstanding personal debt, her response was, " ... .but there's {$15000.00} in that account ''. Shortly after that she hung up on me. " XXXX '' also refused to This has cause my corporation a hardship as that account is used to pay my agents their commission. Nowhere in NFCU 's disclosures or terms, can NFCU leverage a member 's corporate funds to cover a personal debt. This is gross negligence, abuse of authority and predatory on the behalf of Navy Federal Credit Union and I'd like to move forward with filing a formal complaint against them. 

I've even gone to lengths to try and mediate this by reaching out to NFCU 's CEO without a response. 

Navy Federal Credit Union misled its members about its debt collection practices and froze consumers out from their own accounts, said CFPB Director XXXX XXXX. Financial institutions have a right to collect money that is due to them, but they must comply with federal laws as they do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Bread Financial Holdings, Inc.
State: NY
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, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from Comenitycapital/XXXX  on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/ I was a victim of a fraud scam. The attached FTC fraud report provides the details. I transmitted XXXX transactions via Venmo ( {$1200.00} and {$1100.00} ) to a fake bail bond front. Once I learned the thing was a scam I called Venmo and disputed both transactions. I have been back and forth with Venmo regarding these disputes. They have been denied on several occasions on the basis they never received information that they needed to process the dispute on their end. There has been some hope in this- on XXXX  Venmo did refund me the amount of the larger dispute ( {$1200.00} ). However, the {$1100.00} amount has still not been returned after repeated attempts of contacting them and providing them the same information over again. The {$1100.00} dispute in question is XXXX. 

I will attached related documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was recently the victim of Identity theft. I requested the at the various Credit Reporting Agencies and furnishes validate accounts that were unknown to me.

XXXX without my authorization took it upon themselves to place a personal fraud statement on my report, and then XXXX sent a notification to both XXXX and Trans Union also without my knowledge and authorization. ( while at the same time not removing the un-validated identity theft accounts from my equifax report. 

XXXX  in response to this request by XXXX placed the following statement on my XX/XX/XXXX report. 

Personal Statement ( s ) 06 & 03-17-18 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I did not make this statement and do not appreciate experian placing it on my report and exposing my phone number.

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