BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So I been calling navy federal for a week reagarding a family member check that was deposited in my account I was at a branch in XXXX Georgia and I brought the people in to prove verification it was verify from what the bank teller told me which allowed me to make a withdrawl and the wait time was two hours so I decided to leave now they want them to reverify again and my relatives do not stay with me I work one of them not feeling good they make it impossible to get remainder of funds they two security teams officers personally close my account for the 4 time this week. These two was very unprofessional one of them was a XXXX and she did not have permission to call them after I told her my situation she ask me very personal questions I felt like I was getting interrogated. She cost me great mental anguish and emotional distress. Her name is XXXX security XXXX XXXX And XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-22
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 I sent Hunter Warfield a letter asking them for validation on an account listed on my credit report. Instead of complying with my request, the company insisted on sending me alleged bills of some kind. The bills that they sent me wouldn't even classify as VALIDATION, it would be VERIFICATION if the account was indeed mine I thought as a collection company, they would be informed on what constitutes as VALIDATION but to make sure there aren't any further misunderstandings, I will describe to them exactly what I am looking for when referring to VALIDATION. 
I am requesting the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Attached to this complaint is also a cease and desist letter describing the only method of communication that can be used from this point going forward. Communication about this debt through mediums such as the credit bureaus will constitute as a breach of the cease and desist and proper litigation will follow if the order is ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any inquiries which are found unauthorized, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : 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 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 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 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 2023-07-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
ComenityCapital Credit Card Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Removal of Fraudulent Ikea Credit Card from My Profile Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious issue regarding my credit profile with ComenityCapital. It has come to my attention that there is an Ikea credit card listed on my profile that is fraudulent and was not initiated or authorized by me. I kindly request the immediate removal of this card from my profile as it is negatively impacting my creditworthiness. 

I would like to inform you that I have taken the necessary actions to rectify this issue promptly. Firstly, I have filed a police report for this fraudulent activity, providing all relevant details in an effort to hold the responsible parties accountable. Additionally, I have registered an official complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) ensures the accuracy, fairness, and privacy of consumer information. Furthermore, it empowers consumers to dispute any inaccurate information on their credit reports. Section 611 ( a ) ( 1 ) ( A ) specifically states that credit reporting agencies must promptly remove information upon notification of fraudulent activity. Given the fraudulent nature of the Ikea credit card on my profile, I kindly request immediate action to comply with the law and remove this item. 

I have attached copies of the police report and the FTC complaint for your reference and records. Please acknowledge receipt of these documents and inform me of the steps you have taken to investigate and resolve this matter. It is imperative that this issue is resolved quickly to prevent any further damage to my creditworthiness. 

I request that you provide written confirmation of the removal of the fraudulent Ikea credit card from my profile within 30 days from the date of this letter. Failure to address this matter promptly and accurately may result in further action being taken, including the involvement of legal counsel to protect my rights as a consumer. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Should you require any further documentation or information, please do not hesitate to contact me at the above-mentioned phone number or email address. 

Thank you for your prompt resolution of this issue and for ensuring the accuracy and integrity of my credit profile. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I contacted my bank and reported the fact that I wasn't able to get the money in my account on time. XXXX XXXX XXXX XXXX was set up to withdraw funds. I went into overdraft as a result. The bank said the transaction was adjusted. I made a payment using another form of payment. I didn't have transportation and wasn't able to get the money in my account on time. On XX/XX/XXXX the same incident occurred. I contacted Social Security Department to have my money sent to the bank. It's out of my control that it take a long time for them to transfer my funds into my account. Therefore I made my monthly payment again to XXXX XXXX XXXX XXXX. I purchased a bed from the company they finance. XXXX XXXX XXXX XXXX is insisting that they deposited an additional charge into my account. The bank states the company only deposited {$79.00} into my account. I'm including a copy of XXXX XXXX XXXX XXXX statement. It shows that they deposited XXXX into my account twice. I'm being held responsible for a transaction I didn't get. Late charges have been added, late charges, etc. This is affecting my credit score. I'm finally getting my credit straight after being a victim of identity theft. I learned in XXXX that someone created an account using my personal information with Wells-Fargo Bank. A Federal Identification number was created using my personal information. The last four digits are XXXX. The name used is XXXX XXXX and my late father XXXX XXXX. It was as though I had a business. I was made the sole proprietor, the account was created in XXXX. The amount used was {$25000.00}. I'm still working with IRS concerning this matter.

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 2016-11-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a member of Dillards card services for about 21 years and they were acquired awhile ago by Wells Fargo bank. Well I lost my job in XXXX and am just getting another job but I am paying my bills consistenly with the exception of a few months that I missed. My last payment of {$90.00} was paid on XXXX. which left my balance at {$80.00}. No high balance. However, I checked my credit card statement today to find out that Wells Fargo arbitrarily closed my account and when I called Dillard 's to inquire about their decision, I was told that they could not speak with me and I was hung up on. I thought that we lived in America! I never knew that a company/Bank would take this type of action without informing their loyal customers first. However, I can not to get any straight answers as to why this action has occurred. I called again and paid my past due amount because they could not answer any questions until that was done. In addition, no one could give me a manager 's name to provide you with. I was simply told that I was being transferred to the executive offices of Dillards and placed on an indefinite hold with me never having reached a manager to speak with. The teller told me that they had many managers on duty, so I wonder why was it so difficult to speak with a manager. This action was arbitrary and mean-spirited. Customers lose their jobs all the time in this economy, but are allowed to catch up their bills at a later time. I was in the process of doing so when my account was closed by Wells Fargo with no one supplying the name of who committed this action. Instead I am being assigned a case worker, XXXX XXXX and was told that he would be working on my case and would be getting back with me. I have never been so insulted in my life. I have treated like a deadbeat instead of loyal customer of 21 years. It saddens

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT CREDIT XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 of 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 2022-06-04
Company: EQUIFAX, INC.
State: GA
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 disputed this account ( XXXX XXXX XXXX Account Number XXXX ) on XXXX XXXX for continuing to report inaccurate information on my credit report. They did not due a proper investigation or provided me with the paperwork that they suppose to have that is required by the FCRA. They wrote me back the following month and only remove one month off my credit report that was showing charge- off. After that one month, they are continuing to report a charge-off every month. They are falsely manipulating the statue of limitations on this account after I disputed this account with factual information that their company provides. I will upload my original dispute letter. I have also contacted the creditor and they have failed to respond numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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 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 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below 1. XXXX XXXX  Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b.

Thank you for your time and consideration. 

Sincerely, 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 2021-06-21
Company: Experian Information Solutions 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:
On XX/XX/XXXX, my identity was fraudulently used to open an account with XXXX XXXX ( Acct No. XXXX ). No payment was ever made on the account and my credit reports showed the account closed with an unpaid balance of {$92.00} which has been in collections status ever since. I reported the account as fraudulent to the credit bureaus some time in XXXX or XXXX of XXXX. After learning how to remove this information from my credit reports, I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX and submitted disputes with each of the three credit bureaus and provided all required information to each bureau on XX/XX/XXXX. 

In a response letter dated XX/XX/XXXX, Experian, 33 days after USPS tracking indicates that my letter was sent to Experian, notified me that it did not remove the fraudulent XXXX XXXX account from my credit report and indicated that I would need to contact XXXX XXXX myself. I filed a complaint with the FTC on XX/XX/XXXX ( # XXXX ). The complaint was closed on XX/XX/XXXX because the company responded that " [ the ] complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' I, XXXX XXXX XXXX, am the only person listed on the first FTC complaint or this complaint. My complaint concerns the credit report in the name of XXXX XXXX XXXX, same date of birth and social security number, and concerns, as my Experian credit report clearly states, a XXXX XXXX account opened on XX/XX/XXXX which appears on my Experian credit report as " Seriously past due date '' and " assigned to attorney, collection agency, or credit grantor. '' Please read the attached documents before closing out my complaint again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

SXXXX 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