BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim XXXX  years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. Trans Union is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has helped facilitate a cover of fraud for one XXXX XXXX. On my XXXX report dated XXXX his name popped up at XXXX. Since that time XXXX XXXX charged off fraudulent charges starting the XXXX of XXXX. I am getting reports from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX. This XXXX XXXX explains the some odd XXXX credit report inquiries since the first of the year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: AL
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:
Asked Experian to follow suit by writing a dispute letter to delete an incorrect account and they didnt. Both XXXX and XXXX  have deleted the account. Its against the law to report inaccurate information on my report. It had to be the same across all XXXX bureaus

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 2021-05-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been late before for a very long time, so I talked to someone in XX/XX/2021 the first time and told them that I was late because I'm unemployed and I will try to get the money, I did receive the and sent it but they reported it to the credit bureaus. I called again XX/XX/2021 and asked why did they report me if I'm having a hard time to pay and I did state my condition, but the lady said that I am current now on my payment but I told her that's not the point of have been called constantly from day end and day out for non payment so I would block the number but they would call on different other numbers. And she said that there is nothing that she can do since they have reported me to the credit bureau. Now this has dropped my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Over the past year I have used direct deposits from PNC Bank to pay for my rent on XXXX. However, as I entered a new year of my lease, XXXX says that PNC 's policy changed and no longer will link to the avail account, keeping me from directly paying my landlord through the rent payment platform. This issue was uncovered XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help with Barclays. I dont know what else to do. So I hope to have a fair solution to this issue that this bank has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). 

The account I am writing about is the following : FTC REPORT NUMBER : XXXX. 
Account : XXXX Date opened : XX/XX/XXXX. Status Closed.  {$0.00} balance. 

I am demanding BARCLAYS BANK DELAWARE to remove this related to fraud item or I will need to take this issue to court. 
This is causing me economic and psychological issues. Please send to Barclays the attached documents. Thank you so much!

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 2018-10-17
Company: Experian Information Solutions Inc.
State: FL
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:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date:XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX CARD Closed : XX/XX/XXXX In addition, there are credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX CARD Closed : XX/XX/XXXX Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-11-23
Company: EQUIFAX, INC.
State: OH
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:
15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -Because of -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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 # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  #, XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX Account name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: LA
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 canceling credit monitoring or identify theft protection service

Complaint:
On XXXX1 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
this is my second complaint and still no help i have attached the first complaint the resolution was that i should call XXXX XXXX the vice president of security operations center XXXX i have called XXXX times no one returns my call and no one picks up that phone. when i ask the other separtment to get me there they said i should not even have this number because XXXX does not speak to customers my money as been locked up since XXXX i am beyond upset and XXXX off the bank continues to make withdrawls from my account claiming they are returning funds that were not authorized with no proof of such things every fund i have ever recieved were authorized by me there is no fraud on my account or am i linked to any other account that as reported fraud i need my money the bank as XXXX for me between my savings and my checking and i am going to get help from a lawyer this issue as lead me to be behind on alot of payments in my life and caused me alot of problems

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/23 To : Chase Bank, Claims Dept. 
Tel : XXXX Fax : XXXX From : XXXX. XXXX, ( XXXX ) XXXX XXXX : ( 1 ) Consumer Financial Protection Bureau XXXX and ( 2 ) F.T.C. ( Report No. XXXX ) RE : XXXX XXXX XXXX XXXXXXXX RETURNED MERCHANDISE = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  RE : XX/XX/ - {$21.00} Claim Reversal This is an appeal of the claim reversal on XX/XX/. You are in violation of federal law and the Fair Credit Billing Act, and Chase will be sued for {$250000.00}, if this claim is not immediately reopened and handled in good faith and pursuant to law. 

Moments ago, I spoke to a rude woman on your telephone line, named XXXX. XXXX lied and said this was a travel cancellation and the charge was valid, because I didnt follow the travel policy. THAT IS A BLATANT LIE. This is returned merchandise, and has nothing to do with travel, or any cancellation. 

XXXX then lied, and said Chase contacted XXXX. XXXX said that didnt happen. 

XXXX then lied, and said Chase was never sent proof of return. Thats a lie, I attached it to my original claim. I have been on hold with XXXX 3 times, for nearly 40 minutes each time, and EACH TIME XXXX confirmed that they received the returned item ( which was never opened and never used! ) XXXX continued to lie, and stated XXXX disputed my claim, and provided a response on XX/XX/XXXX XXXX denies this. Notably, XXXX illegally refused to provide me a copy of this purported response from XXXX. I demanded a copy, over six times. 

Proof of XXXX receiving the return is attached, and XXXX email confirming a {$21.00} credit, is attached. Chase Bank is lying and committing fraud. 

ATTACHED : 5 Pages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XXXX of XXXX, I made two hotel bookings for travel to XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 

I booked at the XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ). 

In both cases, I used my Chase Sapphire Preferred card and the Chase Travel Portal to book a breakfast-included rate. I paid extra for this rate through Chases Travel portal. 

I have had issues with this in the past. I had previously booked a breakfast-included rate through Chase Travel for a trip to XXXX, XXXX. On this trip, the hotel desk clerk and I had difficulty locating the included breakfast information. We were able to resolve it without contacting Chase. 

However, this time upon check-in the hotel informed me that breakfast WAS NOT included in my booking. When I asked about the trip to XXXX ( of which I am certain I booked the breakfast included rate ), the Chase Travel advisor told me that they had no record of booking a breakfast inclusive rate. 

The supervisor ( XXXX ) was pedantic and condescending throughout the entire conversation - at one point stopping to clarify to me that it wasnt her specifically who charged my credit card. I actually stopped and said wait, maam, are we actually doing this? Are you actually being that petty? 

XXXX refused to help me without proof of the rate. I have spent over $ XXXX with Chase and paid it off entirely in the last six months. I wont argue for {$200.00} - I will simply take my business elsewhere unless Chase credits me back the cost of breakfast at these two hotels ( {$140.00} at the first and {$140.00} at the second. ) Chase Travel is charging a higher rate for a breakfast included room and then gaslighting customers into believing that they must have booked a different rate. Its entirely a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Paypal has been lying to me about a account of mines they've closed down and never returned my money on the account. They said they hold the account for about 180 days which ended this past XXXX and then closed my account and said legally they do not have to give a reason ... Sounds fishy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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:
Someone seems to be using my personal information and this is identity fraud. I have several accounts on my credit that I never have had or used. They go by XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never done business with these companies. Please help me.

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 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America increased annual fee on XXXX  XXXX card to {$95.00}. Fee posted on XXXX statement with a due date of XX/XX/XXXX. Called in to cancel card of XX/XX/XXXX and have annual fee credited, account had a {$0.00} balance not including the new fee. Card member agreement states fee will be credited if closed within 30 days of statement date where annual fee appears. Agent confirmed fee would be credited and closed card. Received XXXX statement, only {$25.00} of the {$95.00} annual fee was credited, the remaining {$75.00} was not, in addition I was charged a late fee and interest. Called in XX/XX/XXXX after receiving statement, agent stated error would be corrected and account would be credited to {$0.00} within XXXX hours. XX/XX/XXXX still showing {$71.00} due called in again, again promised would be corrected to {$0.00} balance within XXXX hours. XX/XX/XXXX, no credit, my other bank of America accounts now showing a warning of late payment due to this account, statement is due today. Not wanting my other accounts effected I pay the XXXX. I received new statement XX/XX/XXXX with no statement credit as promised multiple times and addition interest charge of {$1.00}. I have wasted enough time on this, I am due a refund of {$72.00} for the annual fee that was required to be credited per the cardmember agreement, I request this to be sent to me via check and the account show a XXXX balance and closed.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: SC
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:
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate information.

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 2015-11-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I sent Equifax a copy of my police report reverifying the account was fraudulent and they removed it and the creditor sent me a letter in the mail confirming the deletion of the fraudulent account. But I recently checked my credit file and the account has been reinserted onto my credit file and is lowering my credit score affecting my chances of getting approved for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Extreme overdraft fees, unexplained overdraft fees, overdraft fees for covered items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company began calling me to collect a debt. At first, they were calling me before XXXX, as well as later in the night every single day. The call woke me up early before work, and I answered and told them to not call my phone before XXXX as I work at XXXX everyday and it is disturbing my ability to work by waking me up almost an hour before my shift. I work from home and have to be up later to get things situated for my family for the next day. After this, they began calling me up to 3x everyday between XXXX. It's now gotten to the point where my entire voicemail box is being 100 % filled every week because of the amount of times they are calling me. This is teetering on the point of harassment, and they are not abiding by the Fair Debt Collection Act. I can provide picture proof of the calls, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: GA
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:
Someone has an access on my credit information, and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

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