BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 - My husband was able to work into Navy federal Credit union and make changes to my savings account without my permission. 
I am the sole owner of my savings account-This was not a joint account. 
XXXX XXXX XXXX XXXX made a demand that he wanted his name off of all of my accounts. 
Instead of contacting me about this matter they aloud him to make changes to my account. 
So, how safe is my money? Can anyone walk into the XXXX branch in XXXX, Texas and make changes. 
They explain that XXXX XXXX had hacked my account- He was not a authorize to look or make changes but the XXXX let him make what every changes to the account. 
no, your spouse can not make changes to any of my account unless it is a joint ownership. The saving account was not joint. 
XXXX XXXX did not hack the account XXXX gave his permission to make changes on my account and this is against all banking regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2022-03-14
Company: ENCORE CAPITAL GROUP INC.
State: WY
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:
Listed below are many letters i sent ( Most Certified ) regarding inaccurate and unknown things on my credit report. To this day ( 2 months 17 days ) later I have not received a proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX. I am NOT a carpenter. I do NOT own a carpenters business. These XXXX and Midland cards are XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX and Midland who said I XXXX to talk to XXXX and both those do not know who I am. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days AND put Disputed on my Dispute Status ( attaching credit report from XXXX showing Dispute Status : -- -- Account not disputed listed on all 3 Midland account, XXXX account & XXXX XXXX XXXX : removed from XXXX & XXXX already ) gives reason to remove these items from my credit report. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all 3 Bureau 's data breach and may have gotten into the hands of the wrong person. 
I have sent a Validation certified letter to XXXX and Midland. All i got back was a BILL saying I owe this and that. Per the FCRA they to present the Original Contract with MY Wet Signature and they did not ( also being attached ). This is why I know the Bureau 's have not validated anything because the Creditors could not validate anything to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Well I need help with home improvement I have to pay rent but dont have the money for 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 explanation
Consumer complaint received 2023-09-20
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, Discover Bank, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX  are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a victim who had an credit account opened in my name, the account went to collections, I wanted it off of my report so i made a few payments till i learned i was allowed to dispute it when i was never told i could. Ive disputed to account many of times & most recently was told i cant dispute it unless i file for fraud. The account case worker i have has made me seem very XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX I received a hard inquiry on my credit report from XXXX CO XXXX 

I have called the XXXX XXXX  twice to report fraud. I spoke with XXXX on the 1st call and the 2nd I spoke with XXXX. Both times they said they could not find nor verify the inquiry and both times they agreed to send communications to all the credit agencies to get this fraud inquiry removed immediately via electronic communication. 
I called and spoke with XXXX in the specialty fraud department at TransUnion. He was extremely rude and ask had I filed a report with CFPB and told him yes. I also told him there has been a " Fraud Freeze '' on my account since XXXX and that NO one can pull my credit or open an account without verification. I have also frozen all information on XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX at TransUnion still was not willing to work with me on the removal of this fraudulent inquiry. I take my credit seriously and want this OFF my credit report as soon as possible. 
These credit reporting agencies are NOT Government Agencies! They are for profit. Their profit comes from banks & lending institutions to keep your score low as possible so they can sell your information to subprime/High-Interest lenders. BEWARE and fight for your 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 2015-07-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
Even we create an online profile, it asks for verification/confirmation before it really creates profile. This is a case of money transfer. One button click, you are in TROUBLE. This is what happened with meI needed to redo my website design so put an advertisement on XXXX. I was contacted by a person " XXXX XXXX '' from a " XXXX '', " XXXX ''. When I asked his PayPal account for payment, he gave me as " XXXXXXXXXXXX ''. 
When I try to pay him by PayPal, It asks me email address and Amount. When I click next button, I see confirmation by Name " XXXX XXXX ''. Oops did I do a mistake. When I realized it is big mistake ..., I am in real trouble. 
PayPal did not alert/confirm me, the person I am sending money is the real person. No alert/no confirmation message/consequence, nothing. 

On confirmation message, it says if you want to cancel, you can do with in XXXX minutes but I do n't see any option to cancel the transaction. Called customer service with in XXXX minutes of my transaction, they say money is gone to receiver 's account. You could file a claim for refund, if receiver return then we will return money back to you. 
Otherwise if receiver verifies that he is " XXXX XXXX '' and deserve the money, PayPal will not take any action. My concern not with " XXXX XXXX '' or " XXXX XXXX ''. In this internet age, it is hard to verify a fraud. At least as a customer, I should have alerted before transaction made. I would rather should be alerted whatever PayPal customer service says the consequence. 
People can do a typing mistake simply a wrong email. One button click, you are in TROUBLE. Why not PayPal do simply says a confirmation message ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NV
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 have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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

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

Account name XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-17
Company: ADIR INTERNATIONAL LLC
State: CA
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:
Curacao kept my account open for negative credit reporting. Even after I had paid the account off in full. during covid i had ordered a cell phone which i returned late due to my product was sent to the wrong address. I explained to them what happen and then they closed the account so that I could not use the credit card. However I just found out that they continued to keep the account active for only negative reporting. Even after I paid it off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had accounts included in bankruptcy. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. the accounts must be fixed for their erroneous status XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a problem with the Bank of America Travel Rewards VISA billing statement. Bank of America has intentionally used confusing  wording on their billing statement to mislead the unsuspecting or elderly customer to pay only the minimum amount every month, thereby causing them to pay interest on the outstanding amount during the following billing cycle. Here is a copy of their billing statement format : New Balance Total {$1800.00} Current Payment Due {$25.00} Total Minimum Payment Due {$25.00} Payment Due Date XX/XX/2018 They list the " minimum payment due '' twice under different headings. This is very misleading and unnecessary unless they are trying to trick someone. The amount to be paid on this example in order to avoid interest is {$1800.00}. Other credit cards only use three categories : " New Balance '', " Minimum Payment Due '', and " Payment Due Date ''. It is very clear and straightforward. I addressed this issue with B of A and their representative was very quick to give a rigorous and lengthy defense of their format which tells me that they are aware of what they are doing and have intent to defraud. I believe a CFPB complaint is at least warranted and a class action suit is probably needed.

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 2023-04-14
Company: TRUIST FINANCIAL CORPORATION
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 have submitted minimum 3 disputes per account below through credit karma to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : XXXX : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}

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 explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: OH
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:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and removed.

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 2019-05-06
Company: Siggi LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX of the month every month since XX/XX/2019. So I've recieved a overdraft of {$29.00} in XX/XX/2019. XX/XX/2019. XX/XX/2019. XX/XX/2019. XX/XX/2019. I have sent nu.erous letters and called the company numerous times for them to stop trying to debit my account as it is causing over draft fees. They do not have my authorization for automatic withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit & section ( 4 )!! Even the Debt collector is reporting inaccurate information on my profile!! Experian never informed me what's going on in writing to get the issues resolved, Per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

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 2022-10-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i wanted to refinance before getting my new home, but they wouldnt. because when they sold it to me it was already XXXX down, with rates all but needed the vehicle with an Co signer. but when covid hit i never could catch up with high payment each month.

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 2023-05-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX You are in direct violation of The Fair Credit Reporting Act XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

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

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

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX You are in direct violation of The Fair Credit Reporting Act XXXX XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

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

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

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation