BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: DISCOVER BANK
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX i set up online a domestic wire transfer from my discover money market account for {$4500.00}, i then called and spoke to a discover agent who told me they are reviewing the wire instructions and if no problem should go by XXXX XXXX on that day. 
The recipient sent me a message on XX/XX/XXXX that he did not receive the wire as i had promised, i called discover bank immediately, the first agent hung up on me, i called back and the next agent told me my wire transfer will not go, that it was a business decision by discover, that my options were ACH or certified check, which i declined. I sent my recipient the money with paypal. 
On XX/XX/XXXX i was shocked to get an email from discover that my wire was processing, i immediately called discover, the agent apologised, refunded my wire transfer fee and told me the wire was going to be recalled. Till date i have made several calls to resolve the issue with no success, i spoke to a supervisor by the name XXXX, who told me she has taken over the case and will be updating me on it and that she will investigate my initial call when i was told the wire will not go out for business reasons by discover, i have not heard from her since then, i left message for her to call me but she has not till date called me back. 
I have had paypal refund me the money so i dont need the refund from discover, but i have to put this out so that discover bank is corrected from doing this to someone else, i believe i was treated this way because of my sociodemographics factor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX/XXXX  XXXX  XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I noticed when checking my BOA visa account online that a transaction in the amount of {$15000.00} involving XXXX XXXX XXXX was posted on my account. No one called me to check on such a large charge amount to see if I had made it. I hadnt, it was someone using my card and identity to make this charge. I immediately called Bank of America fraud line to dispute the charge. The charge was removed while they investigated - some three weeks later the charge was reinstated and they told me I had made the charge.

I did NOT make this charge. I have no accounts with XXXX XXXX XXXX I would never make a charge in this amount. also, a charge of this size should have been approved by me. Yet no one from BOA called to verify if it was me making the charge. Subsequent to this, another attempt to illegally use my card happened when the thief tried to use stolen card to purchase an XXXX XXXX through XXXX, luckily XXXX called me and I was able to stop the transaction. 

Bank of America is violating the Fair Credit Billing Act, I reported the illegal activity immediately telling them that this purchase was not authorized and that it was fraud. I understand that I M liable for up to {$50.00} but no more. I want the fraudulent balance wiped off my account except for the {$50.00}. 

My complaint claim no. Is XXXX. 

Thank you for your assistance with this matter. 

Yours truly, 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 monetary relief
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Company 1 : XXXX XXXX XXXXk Open date : XX/XX/2020 Company 2 : XXXX XXXX XXXX In accordance with the fair credit reporting act. The creditor has violated my right 's. Under 15usc 1681, section 602 states that i have the right to privacy. 15usc 1681 section 604, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company NELNET from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are NELNET the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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 2023-06-14
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called them on the phone all three credit reporting agencies, XXXX, XXXX, and Trans Union and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am very concern why Navy Federal Business Department closed my account and Credit card but, leave an open saving account thats still active as of to day. I have been a loyal and a great customer with navy federal since XX/XX/XXXX. On XX/XX/XXXX I had randomly received a message through navy federal portal that my account will be closed within XXXX days due to high risk XXXX. No warning letters or letters mailed letters to my address regarding my account closing. However, I had been with this bank since XXXX with know complaints. Since my account been closed within a short notice. I was told by the representative my credit card will be closed as well. For-some reason within that week that the credit supposed to be closed down. Someone used the card and made purchases on the credit card without my consent. I am very wary about navy federal system. I believe my account has been target as fraudulent and tampered with. I had ask many questions regarding my business account and why its closing. and couldn't get a fair answer any proof on why my account is closing. And I feel its not fair to me as a loyal customer my account is closed due to not enough information to tell the customer on why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
its my credit report from Experian and my Fico score I have very good credit history since a Bankruptcy in 2016 I have 100 % on time payments there are 12 hard pulls on my credit report I changed my phone carrier to XXXX and they did 2 hard pulls ... then I was doing balance transfers to avoid high interest and there were some hard pulls when I only made CC application once, they rejected the first application because my driver 's license wasn't able to be viewed they said I could just apply again without it affecting my score... this is not true I make XXXX per year I have XXXX in available credit so every time I use any of that credit my credit score goes down? This doesn't seem fair to me because I pay my credit card bills off very fast .. Actually I paid XXXX in credit card debt in the month of XXXX... Im barely paying any interest on them because I pay more than what is required and pay it so fast it doesn't have a chance to accrue any interest... I am wanting to buy a house soon but my credit score is staying down as if I'm a person who doesn't pay their bills!! I just got a XXXX XXXX then my credit score went down as soon as i applied for a XXXX XXXX XXXX... I wanted to use a XXXXXXXX XXXX XXXX  to collect points towards purchases also the XXXX XXXX gives 5 % cash back... I used XXXX XXXX balance transfer to not pay any interest... This doesn't seem fair I have no late payments NONE thanks

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 2023-06-12
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I was reviewing my monthly online statement and noticed several charges on my account were made. Reported this to CHIME and instead of doing any or investigating any of the charges I reported. They closed my account without notice. XX/XX/XXXX th account was closed. The report was made XX/XX/XXXX. Which they had no legal right to close my account as it was not misused. At the time of account closure my savings accounts had a balance of about 1k. For months I have been trying to have my funds returned to me. And now they are claiming no funds are in the account which is not at all true. The customer service reps are very rude and quite honestly read off of a script and do not implement any humanity or human compassion when dealing with customers. At this point they are withholding funds that do not belong to them which can be considered thief and also this has impacted several other businesses opportunities and affiliates.As long as they have my money they are collecting interest and profiting from my hard earned income. I have asked on several occasions for their legal departments information so that my attorney and I can move forward with this issue and hopefully resolve it between the company and myself however the company, as I said, earlier, gives very bland statements, almost robotic, and does not even give any appropriate responses during phone calls. I would like this investigated so that this does not happen to anyone else, and hopefully helps someone else not fall victim to the scam. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that any information furnished to a consumer report must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX any written consent to to report anything on my consumer report. NO CONSENT = IDENTITY THEFT! The following inquiry is being fraudulently furnished to my consumer report. I did not authorize, benefit from, nor consent to this inquiry and I demand for it to be removed from my consumer report immediately. 1. XX/XX/2021 ( XX/XX/2021 ). If this fraudulently furnished inquiry is not removed, I will hold XXXX NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative and fraudulent item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXXXXXX XXXX  can not provide to me a copy of when I sent written permissible purpose to validate this inquiry, I demand it be removed in 4 days. Enclosed is the FTC Identity Theft Report which states the inquiry that is being fraudulently furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-02-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I've tried contacting them, disputing just to have no result. There is a lot of fraud on my report but company refuses to budge. My score plummeting and I need this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I recently checked my credit report and saw accounts reporting information on my consumer report that's in violation.

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