BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-28
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Avant Credit Corporation
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: Old information reappears or never goes away

Complaint:
Avant sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: GOLDMAN SACHS BANK USA
State: KS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We purchase tickets from known website online seller name XXXX, We purchase international flights going to XXXX thru XXXX XXXX XXXX, due to the COVID-19 pandemic the original flights was move re-schedule dates because of the closing of the border requirements to the country were going in. We pay them also for the additional flights, make the story short XXXX XXXX suggested to cancel the flights because of the cancellation of some of connecting flights and there is significant change in XXXX flights from XXXX flights XXXX way it make total of XXXX flights just XXXX way very significant change in flights so the airlines suggested just to cancel the whole flights. We called the XXXX customer service several times requesting for a refund spending so many hours waiting for there response we call back and fort with out results. 
Per DOT RULES If the flights was cancel they have to pay with in 10 days and thatwas not the case and did NOT happened. they hostage our payments, We need that money to purchase again to other airlines but months past by no refund was made they shut off there communication no email no call from them they are hard when its time for refund. 
We don't have no choice but to go dispute the charges to the credit card company apple card, but the results they did not refund the whole amount of the purchase tickets, cheaptickets wants as to pay {$1200.00} in total even we did set single foot in the airplane or in the airport, because they said the additional flights was add on its not cancelable, but it was part of the XXXX it was not purchase separately, when the airline cancel the whole flights everything follows the whole I.T flights is cancel. They should refund the whole amount of the flights as we requesting and per DOT rules they should refund in 10 days., The XXXX XXXX customer service suggested not to do business with them again because they cant help as on refunds, If it was them they will refund instanlly with out delay but but was thru cheaptickes.com We contacted card service explain to them what happened look like they sided on merchant explanation rules, In the first place we didn't NOT requesting flight to be cancel it was the airlines made significant changes on the XXXX and connecting flights is really canceled so there no sense that we will still be on that flights. 

We will not pay XXXX we even not singled foot in the airplane or in the airport what for were going to pay that amount. Its not fair for middle class family savings for vacation and pay them this amount for nothing cancel flights. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-11-25
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I am in desperate need of this item to be REPAIRED or CORRECTED. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/22 I was notified a payment had been sent to an account I thought had been closed months earlier. I contacted the bank and they closed the account and said a payment would be issued for the full {$970.00}, I waited a couple of weeks before calling back due to not receiving the payment. A clerical error on their behalf went on for 2 months of me calling daily before they realized their mistake and at that time they stated I should get the check in 7-10 days. Once again I have no payment. I call daily and they state they are emailing back office to no response. Today I was told they have no updates their is no one to speak to and hung up on. I called back to be told notes are across 2 accounts and all mixed up and that now I need to wait until XXXX for my payment to even be issued and that after that it takes up to 60 additional days to get my check. Ive never gotten a call back from any supervisor as requested Ive put in a complaint almost daily after waiting on hold for over a hour EVERYDAY.

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 2022-07-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent a letter with 2 forms of identification on XX/XX/2022 asking the agencies to update my address as wells telephone number with no update or response. I am requesting the agencies to update my information. with the following information in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i recently check my credit report and notice that there were an inaccurate bankruptcy reporting on it, so i sent letters to all 3 CRA 's ( Transunion-01/27/2021, XXXX  - XX/XX/2021, and XXXX  - XX/XX/2021 ) and neither of them has deleted or verified it.It has been over 30 days since i send it out certified mail/RRR. i have attached the copies below as well.

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 2021-11-06
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit 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/2021 I was charged {$19.00} for an annual club membership from XXXX XXXX to their store credit card by Comenity bank. I did not subscribe to their service. I have for the past three years had to call XXXX XXXX and dispute this charge. 

I originally called XXXX XXXX on XX/XX/2021 to have the charge removed. They said they did not know what the annual club membership was and could not remove it. They then transferred me to another department, but that department could not help either. I was transferred multiple times to different departments, none of which could help resolve the issue. 

On XX/XX/2021 I called Comenity Bank and disputed the charge. They told me to wait a few days for XXXX XXXX to respond. While on the phone with Comenity Bank, we called XXXX XXXX together and tried to resolve the issue. We were transferred to multiple departments, none of which could remove the charge- with the agent from Comenity Bank on the phone. 

On XX/XX/2021 I called XXXX XXXX again and was transferred to multiple department. Finally one agent told me that the claim had been dismissed. I still have not received a credit from XXXX XXXX and do not understand how my complaint can be dismissed when I have asked for a refund multiple times. 

Since then, I have been charged late fees ( {$21.00} ) and XXXX XXXX  still has not refunded the amount for the club membership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In Late XXXX, I started learning about credit which made me check my personal credit. When I checked, I seen a fraudulent account from XXXX that was then sent to Credit Collection Services, which is a collection agency. I let them know they were in violation many times. Their company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- {$610.00}.

Civil liability for willful noncompliance [ 15 U.S.C.1681n ]

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: FL
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:
I have made numerous inquiries, through their dispute process, about a number of inaccuracies impacting both my XXXX credit report and score. Each time I have requested that they provide, in writing, contact information of the individuals used to verify the information so that I may follow up on my own. At no time has any of this information been provided outside of a notification that they investigated and nothing was done. No information on how, with whom, and through what method the investigation and subsequent validation occurred. Their information and reporting practices are so far off that their report and score comes in at XXXX points lower than my XXXX score and XXXX points lower than my Equifax score. XXXX and Equifax managed to be XXXX points apart while XXXX is almost XXXX points lower. Where obtaining credit is concerned, XXXX points can cost thousands of dollars in additional interest payments and this needs to be fully investigated, documented, and explained in detail. If that can not be done they need to remove the negatively reported and inaccurate items from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with the intent of ghting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

15 U.S. CODE 1681 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a letter in the mail stating that I needed to send in drivers license, social security card, and two forms of documents verifying my address for TransUnion to update my address on my credit file in order for me to get access to my credit report. I sent that information in ( drivers license, social security card, two utility billls ), and I am still unable to get access to my credit report.

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 2022-05-31
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank is the mortgage company. Loan Origination XX/XX/2021. Automatic payment set up thru my XXXX  XXXX XXXX. Since Flagstar Bank does not accept direct payments, XXXX  XXXX XXXX needs to send a check every month. I don't look at my statements since its paid automatically and Flagstar had increased the escrow portion of my payment. In XXXX, they started calling stating they were collected a debt like the entire payment was missed. I called and immediately sent them and additional {$420.00}. They were charging me a late fee of {$83.00}. My principle and interest was paid in full only the escrow amount was short. They do not even have to make an escrow payment till XXXX so they were not out anything. When talking with them on the phone they told me the incorrect amount {$3200.00}. The right amount was {$3200.00} so the next payment was short and they charged another late fee of {$83.00}! I have since corrected the amount but Flagstar is refusing to waive the late fee.

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