BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I recently checked my consumer/credit report and I noticed inaccurate and negative items being reported between the three consumer reporting agencies XXXX, XXXX and Transunion. I found that all three scores and information being reported by the aforementioned reporting agencies do not correlate.

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 2023-07-07
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Velocity Portfolio Group
State: ID
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 was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/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 explanation
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On three different occasions, funds were transferred out of my account and into another person 's bank account. I did not authorize transfers. The first two times this occurred, Bank of America provided me with a provisional credit in two weeks. When the third transfer of {$1100.00} occurred on XX/XX/2021, I reported the incident to a supervisor at BofA who informed me that he would request an expedited investigation and provisional credit, due to hardship. He listed the hardship as follows : I had {$0.00} in my BofA account and less than {$100.00} in my XXXX XXXX account, I got into a car accident that day and my car was totaled, I am unable to work due to a XXXX, and I have no source of income. The supervisor, XXXX XXXX, also indicated he would file a complaint as he felt BofA had not handled the fraud well from the beginning ; he said that more should have been done to secure my account to prevent additional fraud. XXXX XXXX suggested I call back in a few days to get a status update. I called back on XX/XX/2021 and learned that XXXX XXXX had not submitted notes to request an expedited investigation and XXXX credit. The supervisor I spoke to on XX/XX/2021 submitted a request for an expedited investigation and provisional credit. I contacted BofA on the following dates to follow-up on the fraud investigation and provisional credit : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. On XX/XX/2021, supervisor, XXXX from Louisiana, informed me that I had been misinformed by all others I spoke to. She said that provisional credits can not be requested for XXXX  ( XXXX recipients ), and I should not have been told that there was a possibility of receiving a provisional credit. XXXX made notes of the contacts I had with BofA representatives and supervisors, the history of fraud and my hardship case, and escalated the notes to the fraud investigations department and Bank of America corporate office. To date, XX/XX/2021, I have not received any communication from BofA, and have not received a provisional credit to my account.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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. 

These accounts in question are reporting inaccurate information on my reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the 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 2020-09-30
Company: Paypal Holdings, Inc
State: MD
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:
I awoke on Saturday, XX/XX/2020 to discover that someone had used my PayPal Business Debit MasterCard to charge {$550.00} to various merchants. Naturally, I called PayPal to report this and request that my card be deactivated. No one was available to take me call. Certainly I was prepared to wait on hold for an extended period, but I did not expect to be disconnected. After some online and automated telephone research, I managed to close the account. I'm currently contesting the charges as they clear my account. Given the importance of the situation ( and my past 12 years of experience with PayPal ) I feel that it is critical that an ACTUAL PERSON discuss this matter with me. Again, this morning, I attempted to call PayPal. Again, I was told by a computer voice that they had high call volume and couldn't help me. This is absurd. Rather than rely on their website for a resolution, it's imperative that I speak to an actual person. I will also be reporting this situation to the Maryland Attorney General 's Office and the XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-03-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called Experian 4 times on the morning of XX/XX/2021. Before I even have the chance to explain anything I am sent to another department that is all self-automated and does not allow me to request to have disputes removed. 

Each time, I ask to speak with the department that REMOVES Credit Disputes. For some reason, my student loans are reporting in Dispute ( which i am not disputing them, i am actually making payments XXXX On the XXXX call at XXXX XXXX XXXX XXXX, the woman who answered the phone refused to connect me to someone. When I asked why, she said " disconnecting phone call now '' and then hung up the phone. 

I am a mortgage broker that helps clients with credit as well. When I see examples of how Experian handles these situations with myself, it makes sense that so many consumers are severely damaged by the lack of empathy, professionalism, and honesty that they receive. 

As the CFPB you have a responsibility to hold them accountable, the longer you wait, the more you are hurting our American consumers. 

Thank you, XXXX XXXX XXXX : XXXX XXXX ID : 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 2018-03-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loans, submitted Public Service Loan Forgiveness with Navient and got into payment driven plan in XXXX. Since my payments were to be very high, they advised me to go on deferrement and forbearance since then and to renew every year. I would call to check the status of my forgiveness and I would hear that after 25 years from the original graduation year of XXXX my loan would be forgiven or by the Public service loan forgiveness route, whatever comes first. I believed them! 

My loan is now due for repayment and no more forbearance is available AND that all this time I incurred much more interest and that none of the years counted. They never told be that forbearance did not count, on the contrary, they incentive it. 
My loan now is over {$230000.00} - over {$100000.00} of interest alone! 
This student debit is not allowing me to qualify for loans to purchase property on the first floor in order to accommodate my elderly mother who can not use stairs. How can a company, working with federal loans, act solely for the investorss profit? Federal Loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Self Financial Inc.
State: VA
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 am writing to demand the immediate cessation of a range of unlawful activities involving my account with Self Inc. As a concerned customer, I have discovered a multitude of unauthorized actions that have taken place without my consent, which has left me deeply troubled. I insist on the following corrective measures : XXXX XXXX XXXX, Fraud, False Reporting, Extortion, and Unauthorized Use of My Social Security Number : Self Inc. has engaged in a pattern of racketeering, fraudulent activity, false reporting, and extortion. Moreover, my Social Security Number ( SSN ) was used without my consent, a grave violation of my privacy and security. I demand that Self Inc. cease and desist from any further unlawful activities immediately.

Return of Stolen Funds and Removal of Unauthorized Securities : I assert that Self Inc. is responsible for the misappropriation of my personal and financial information, which has resulted in the loss of funds. Additionally, securities were taken out without my consent. I demand the prompt return of any stolen funds and the removal of unauthorized securities from my account.

Account Closure and Removal of Derogatory Marks : In light of the criminal activities conducted by Self Inc., I hereby request the immediate closure of my account with your organization. Furthermore, I demand the removal of any derogatory marks associated with my account due to these unlawful actions. 
Violation of Applicable Laws : It is essential to acknowledge that the actions of Self Inc. have violated several relevant laws, including : aXXXX XXXX XXXXXXXX Influenced and Corrupt Organizations ( RICO ) Act, 18 U.S.C. 1961-1968 b. The Federal Fraud Statutes, including 18 U.S.C. 1343 ( Wire Fraud ) and 18 U.S.C. 1341 ( Mail Fraud ) c. Laws governing False Reporting, such as 18 U.S.C. 1001 d. Laws governing Extortion, including state and federal extortion statutes e. Unauthorized use of personal information, a violation of privacy laws I insist on your full cooperation in addressing these issues and complying with my demands. Failure to do so will result in my pursuit of legal action to protect my rights and interests and to ensure that Self Inc. is held accountable for its unlawful actions. 

Please contact me at XXXX or via email at XXXX to discuss the specifics of returning stolen funds, the removal of unauthorized securities, the closure of my account, and the removal of derogatory marks. 

I expect a prompt response from Self Inc. regarding these demands, outlining the actions you will take to rectify this fraudulent and illegal situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$6600.00}, {$0.00}, {$9200.00}, {$9500.00}, {$130.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.

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 2018-10-10
Company: ADIR INTERNATIONAL LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2017 XXXX XXXX info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. 

XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is in regards to a Victoria 's Secret/Commenity Bank Card that was paid in full ( {$430.00} ) & closed with a XXXX Balance on XX/XX/XXXX. 
Two months later I was charged {$4.00} interest on XX/XX/XXXX, which, I disputed and they told me I had to pay it because it was leftover interest. So, I paid it and still confirmed that the account was still closed and it would not incur any more charges. 
Again, two months later I was charged {$29.00} interest on XX/XX/XXXX. Now I am getting completely annoyed. I called in to customer service again and was told it was required and that once it was paid it would completely settle the account. I reluctantly paid it again, and, again, confirmed that the account was closed and would not incur anymore charges. 
He we are again, 2 months later, and I receive a bill of {$8.00} of interest. I have been trying to call commenity bank and they have a recording of phone systems being down. 
I was also enrolled in XXXX XXXXXXXX without my knowledge. 
This is extremely frustrating and unprofessional. 
They are fraudulently charging me as a punishment for paying my account in full and closing my account on XX/XX/XXXX. 
I have screenshots of my payments and have proof that I have closed the account. I am tired of them taking advantage of a consumer like me with no reason other than to try to milk me for more money after closing my account. Any assistance in this matter would be greatly appreciated. Thanks!

Company response to consumer: Closed with monetary relief