BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2021-11-22
Company: Affirm Holdings, Inc
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
ref : XXXX, XXXX On XXXX I attempted to purchase a rug thru XXXX. and finance the rug via Affirm. The sale did not go through. However, the account with Affirm was originated and set up. I corresponded with rugs.com by phone and e-mail. The e-mails confirm I did NOT order product from them. I reached out to Affirm and they continue to put up roadblocks. They will return an e-mail asking for e-mails in a PDF, saying they need more time etc. Total run around.. 


When I try and upload the documents ( e-mails ) from XXXX that clearly states I do not have an order all it does is spin.. Is their another avenue like e-mail to send them??. I have sent the e-mails form rugs.com to Affirm stating I did not place an order on XXXX, XXXX and XXXX - XXXX keep getting the run around. 



I have cut and paste XXXX of them... Realize this is not the best option but I will keep orignals : Number XXXX Dear XXXX, Unfortunately, we have no record of an order having been placed under your name. 

Our sincerest apologies for the trouble. 
Kind regards, XXXX | XXXX Customer Satisfaction XXXX XXXX : XXXX Number XXXX Dear XXXX Thank you for contacting us. 

We do apologize if your order did not went thru. 

It was my absolute pleasure to assist you today. Thank you for choosing XXXX to supply all your rug needs. This represents your faith and trust in us. 

Please let me know if you have additional inquiries and I'll be glad to assist you further. 

Sincerely, XXXX | XXXX Customer Satisfaction XXXX XXXX Number XXXX Dear XXXX, Unfortunately, we have no record of an order having been placed under your name. 

Our sincerest apologies for the trouble. 
Kind regards, XXXX XXXX XXXX  Customer Satisfaction XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A charge was made on my checking account for {$36.00} from a company called XXXX XXXX. This was not an authorized charge and I contacted Chase to dispute this charge. They decided for some reason that it wasnt fraud and are charging me even though I did not make this purchase. They told me there was nothing they could do and I am required to pay even though I did not make this charge and have never been to XXXX Michigan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Jim Bottin Enterprises, Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As of XX/XX/2023. XXXX XXXX closed all of its locations in Wisconsin. ABC Fitness manages their memberships along with several other fitness franchises. Instead of canceling the membership because the gym closed its facilities and reimbursing the monthly fee. XXXX and/or ABC Fitness transferred the membership to another fitness franchise XXXX XXXX without any authorization from the member. Now former members are seeing that XXXX XXXX is drawing membership fees from their accounts without signing up for a membership from XXXX XXXX. ABC Fitness isnt taking any responsibilty but they are the ones who are responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This appears to be a recurring issue with Navy Federal in that they have no issue helping themselves to your bank accounts without warning or consent or any concern for any other obligations you may have. I paid my auto loan on XX/XX/XXXX with the next payment being due by XX/XX/XXXX. But NFCU initiated a transfer from my accounts on XX/XX/XXXX for that same loan and before my mortgage payment was deducted and credited which was on XX/XX/XXXX. I thought that by law mortgage payments had to be credited immediately yet NFCU waited for XXXX days. My mortgage balance is constantly being changed which affects my credit negatively but that is another matter. 
I initiated a transfer from XXXX of my external accounts into my NFCU account using XXXX. That transaction took XXXX  days to go through which is unacceptable but that cash transfer would have allowed me to make my monthly payment on my NFCU credit card in the amount of {$400.00}. That same card saw my payment double when my interest rate went up to the maximum they can charge for that particular card. So now my bank accounts with NFCU are XXXX. I can not afford to make a payment on my credit card because they misappropriated my funds to make a payment on a loan that was not even due! I am XXXX on limited income. My spouse passed away suddenly in XX/XX/XXXX and left the household income short to begin with but would have been manageable had they not taken my money to pay what they determined to be important. I am also dealing with fraud on my account but that card has been closed and I was supposed to pick up a new card at the branch until this happened. Their policy will not allow them to issue me a new card as long as the credit card remains past due I am told so I feel like this was some kind of orchestrated effort to penalize me. Does NFCU not care about their customers based on the way they handle accounts??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2015-11-27
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Late fee

Complaint:
Discover Card customer since 1995, I closed account in XXXX 2015 and was reported late on Bureau in XXXX XXXX dropped Credit Score from XXXX to XXXX. Only used car for XXXX and as agreed upon by Discover Card was never paid 30 days late. {$50.00} payment made religiously through XXXX Bill Pay. Discover changed payment DUE DATE from the XXXX of each month to the XXXX ironic as my payment was received by Discover anywhere between the XXXX and XXXX of the month because I get paid twice a month and paid the {$50.00} payment again, through bill pay. Discover knowingly changed the date simply for the Purpose of PREDATORY FEEING! The account never had a balance higher than {$500.00} and given the {$50.00} payment was 10 % or greater ( based on Balance ) Discover Representative, XXXX XXXX offered to refund XXXX {$35.00} for a total of {$100.00} ( again Fee was charge because payment was received 2 days after the new XXXX due date and before my original due date of the XXXX. These XXXX fees changed the minimum payment and caused the wrongful posting of the account 30 days, Discovered Representative XXXX XXXX, gain would not reage my account but offered to refund fees. He also acknowledged that Discover never reached out to me other than through the normal statement. I simply want my account reaged and to remove the only blemish on my otherwise pristine Credit Rating. This was caused by the DUE DATE CHANGE initiated by Discover in an effort to simply generate fee income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Tate and Kirlin Assoc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2023 They sent messages to multiple family members regarding collecting a debt and made it known it was for a debt. I did not provide family information for this collector to contact and NEVER consented for them to contact anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Investigation took more than 30 days

Complaint:
Hi, This is in reference to CFBP- XXXX Its my right to receive a investigation within 30 days. This has been open since XX/XX/XXXX with no resolution. I would like them to remove the following as it is not verified and incorrect. 

1. 30 day late payment from XXXX  XXXX XXXX on XX/XX/XXXX 2. XXXX account XXXX for {$750.00}. 

This has caused me issues with moving out of my apartment and getting a new car.

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 2022-12-09
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

DELETE THESE ACCOUNTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Hauge Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed numerous disputes both online and in writing with XXXX, XXXX and XXXX for the item below. I called the company reporting this on my credit and reported this as fraud and then insist the debt is mine and refuse to supply the information required by the FCRA section 609 and 610. I have no first-hand knowledge of this account and do not live in the state which the debt collector alleges I originated this debt and then attempted to shift the burden of proof on my for something I can't prove or disprove except that I can't have a pet because I have an XXXX against having a pet since I was born and therefore was perhaps an act of identity theft. The company suggested I get a police report and submit that to them except there is an issue with the police being unable to take a report out of their jurisdiction and when attempting to get a police report from an office in the jurisdiction where the act of originating a debt occurred since I'm not a resident can't file over the phone and must be in person. I can't spend money and take time off work to travel to South Dakota to obtain the needed report which may or may not be cause for this agency to remove the defaming item from my credit reports so I'm filing a complaint against all three credit reporting agencies for willful non-compliance of duty on the FCRA guidelines as they are supposed to prove the alleged debt is mine and if they can't must remove all references of it on my credit report. 

HAUGE ASSOCIATES Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Retail Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  E Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$450.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$920.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information Please take whatever action needed to get these four agencies to remove the item from my credit report as this is not mine and it's keeping me from using my credit in the most efficient way. 

I have no knowledge of this company and never agreed to do business with them or their client noted herein and am being told to take action to verify something I have no firsthand account of but instead third-party foreign to me telling me what the matter pertains to. By law of agency and law of contract, I can not be bound to bear the burden of proof in this matter because I have given no consent for service of either of these companies. 

This matter has been disputed with the three credit reporting agencies for the last 2 years with letters and online disputes of which the credit reporting agencies can validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a Truist credit card. It's called the enjoy cash. It has no annual fee and has a promotion of 12 months no interest ; however, immediately after getting the card I get charged an annual fee. I called and after complaining they refunded the annual fee. Then I made a purchase and since I have no interest decided not to pay it off completely, just the minimum required. When looking at the statement, to my surprise I notice an interest fee. This card has no interest for 12 months. Yet I'm being charged interest. Called and talked to multiple reps that confirmed to me I'm not supposed to be getting charged interest and that they would refund it. Weeks have gone by and they have not refund the interest fee. In fact, they have once again charged me interest fee. First time was for XXXX $ and now I got charged XXXX. I once again called and they said they would fix the issue and it's yet to be fixed.

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 2020-06-04
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:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : 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 If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2021-04-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Account was closed in XXXX of 2020. I had no knowledge of this account being opened and it was not mine. They closed account but they continue to call me and try to raise the amount of collection on closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX TO ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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 have reported several inaccuracies and possible fraudulent activity to the credit bureau with no resolution. I have provided evidence and other investigations that have proven validity to my assertions. The resolution is to delete the inaccuracies immediately and follow the law. This is the XXXX investigation on this particular specific situation. They leave me no option than to follow up with an attorney if not immediately resolved. They have caused many burdens and hardships due to their negligent innactions. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, INC.
State: KS
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 really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX  XXXX XXXX Date Opened>>>> XX/XX/2017

Company response to consumer: Closed with explanation