BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
from my debit account, which receives wages, someone began to make purchases on XXXX. I did not consent to this. There was no notification that my card was linked to XXXX. I contacted the bank and XXXX for clams of fraud. The bank told me that I allegedly agreed to use my card, but this is not so. XXXX replied that contact the bank, the transactions were not from your account. but the fact that the delivery of goods was not to my address XXXX does not care

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 2023-05-23
Company: EQUIFAX, INC.
State: AZ
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 reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Account status incorrect

Complaint:
I submitted a dispute about my XXXX XXXX loan because they are closed and XXXXyrs have passed. When I recieved an update from Transunion I found that they re opened a closed account without any notice, which dropped my credit score 19points. The drophas ruined the chances of getting transportation to work. Please reverse what was done.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  acct # XXXX Balance : {$10000.00} XXXX  XXXX  acct # : XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX Balance : {$8200.00} 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. 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 a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I brought two dress online at Macys. I used my Macys credit card. Both dresses was too big so I return them with tags still on. Macys return policy is to get a full refund. However once I return the dresses the Clerk at the Macys store in XXXX Connecticut the charge me {$28.00} and called it " return stars reward. '' The problem is I did not purchase the dress with " star rewards '' or any " coupons '' I paid full price. I have no problem with Macys making my " star rewards points '' negative but to act like star rewards is money and charge me without my permission is stilling. I contacted Macys and they keep ignoring the fact they charge me {$28.00}. I believe Macys clerk took my money because I am XXXX XXXX XXXX. I should have receive a full refund of {$120.00}. I paid {$130.00} on XXXX but Macys is only crediting my {$97.00}. Macys is willfully ignoring the fact Macys charge me {$28.00} on XX/XX/2021 in all our email communications.

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 2021-05-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Wells Fargo XXXX Branch cashed a check that was in my name for someone I don't know. 

I was mailed a check from XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in the amount of {$390.00} Someone intercepted the check and cashed it at a Wells Fargo XXXX Branch on XX/XX/2021 using account number ending in 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 2023-10-10
Company: EQUIFAX, INC.
State: TX
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Per the Fair Credit Reporting Act, they had 30 days to verify my disputed items. They received my certified mail DISPUTE on XX/XX/2020, therefore, they had until XX/XX/2020 to respond to me. THEY DID NOT, thereafter, I corresponded with them again via certified mail on XX/XX/2020. They have yet to clear my account and are consequently in violation of a FEDERAL LAW. Their time frame to investigate DID NOT begin when they received my second certified mailing. It began, PER THE LAW, when they received my first communique, as verified to be XX/XX/2020.

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 2022-12-31
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed inaccurate inquiries on my credit several time, have called fraud department and nothing is being done about this matter. Making this document is the there last chance before I do my affidavit and sue.

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 2023-06-08
Company: EQUIFAX, 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:
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: LEXISNEXIS
State: AZ
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:
Is a Bankruptcy court file in my Credit Consumer what is not true And after I go to the Bankruptcy Court of Phoenix and speak with the Clerk they mentioned the Credit Bureau never check with the Court for authentic letters Also the Court will never provide any letters to the Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified, Tell me how is that possible when you the Bureaus have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. I attached a full billing statement and proof of ID to the bureaus to show that it is actually me and not a credit repair company and still get no response!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Bread Financial Holdings, Inc.
State: CA
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 rewards from credit card

Complaint:
XXXX was originally managed by XXXX. XXXX announced it would no longer be overseeing XXXXXXXX XXXX XXXX company. The new company/bank overseeing XXXXXXXX XXXX XXXX  is Comenity Bank . 

We noticed our new credit cards were not arriving. When we called Comenity to inquire regarding new credit cards, we were first informed they had to cancel our orginally issued credit cards because someone had attempted to register them fraudulently. Another representative failed to support that story and instead acknowleged that the company had never sent the cards and would be reissuing new cards. 

They never sent a last statement with updated balance even though they noted in a prerecorded message that new statements with current balance was mailed. 

We called in and were able to obtain our balance in order to make current payment. 

During a follow up call, we inquired regarding our rewards and informed them we would like to obtain our rewards. 

The representative hung up our telephone call. 

When we called back, they informed us that we needed to set up an account with them in order to obtain our rewards. They noted that in order to set up our new account, we needed to have our new credit cards. 

We informed them that we have yet received our new credit cards. They informed us that our new credit cards were on backlog. 

When we asked that our rewards be issued directly as a deposit to our bank as that is an option, they informed us that the Rewards page was down and they could not assist. 

We requested to speak to manager. We were unable to get one on the line following a prolonged wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
During the summer of XXXX. Discover closed my card due to being unable to verify my identity and told me I could reapply and just verify my identity then. It is now XXXXXXXX XXXX XXXXXXXX and I have tried applying to get a due to status of previous account. My account was closed by discover and now XXXX cant even reapply. None of the customer service agents know how to fix it and numerous have tried to walk me through the application process with the same rejection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2021-05-29
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2017 my wife of 25 years XXXX XXXX XXXX XXXX and I, XXXX XXXX XXXX, looked at a townhouse in XXXX, Alabama with XXXX XXXX, a Realty South real estate agent in XXXX, Alabama with XXXX XXXX, a Quicken Loans mortgage originator in XXXX, Michigan starting a mortgage application for us. 
Unfortunately after we began the application process, my wife of 25 years XXXX XXXX XXXX XXXX threatened me with a divorce. 
Unfortunately we could not close on either property, the first townhouse in XXXX, Alabama in XX/XX/2017 XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) or the second townhouse in XXXX, Alabama XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Quicken Loans ) in XX/XX/2017, because my wife of 25 years XXXX XXXX XXXX XXXX threatened me with a divorce. 
We have been renting an apartment at The XXXX XXXX in XXXX, Alabama since. I have not received my personal financial paperwork back from XXXX XXXX since not closing on either property because I thought we were divorcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: MD
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 reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency.if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Navient Solutions, LLC.
State: VA
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 called in for Income Driven Repayment in XXXX. I filed for Income Driven Repayment in  XXXX and submitted a bank statement as my proof of income in XXXX. I saw that my payments were due on XXXX XXXX ( the date when all of my loans entered repayment ).

On the Navient website the bank statement ( which I submitted ) is listed as an acceptable form of proof of income. My written communication from Navient indicates that I needed to complete ( or re-file ) an application for Income Driven Repayment. I called Navient on XXXX XXXX and the first phone representative was pleasant, sent a new application and indicated that she wanted a different proof of income. I never received any written notification that the proof of income that I submitted was the issue, but that I needed to re-file the application. I would have to either : walk ( in freezing weather ) to my rental office or get one from work. 

I called Navient again after reading on the Navient website that a bank statement was accepted as proof of income. The phone representative debated this fact and asked me to read from the website. As I read the acceptable proof of income, the customer service, the representative admitted that she was not able to read along and could not view or navigate to the Navient site that she asked me to read from.

I asked the representative to get a manager. The manager indicated that a bank statement was acceptable when someone was self-employed. I insisted that the proof of income was not rejected in writing. ( And why should I interrupt my work day to get documentation from work when I had already submitted acceptable documentation to Navient, according to their guidelines? ) The due date for my student loans was changed during this interaction with {$260.00} coming due on the XXXX XXXX ( the date that I believe was the date of my last contact with Navient ). All loans were due on XXXX XXXX prior to this call. Either as a result of the lack of job knowledge from the reps and manager or out of malice, this happened.

I have not received information or any update regarding my Income Driven Repayment application status. 

If the bank statement is it not acceptable proof of income, I would like written correspondence from Navient. The phone reps were guessing that the reason why the application was rejected was because I used a bank statement for proof of income. Your written correspondence regarding the application does not support anything that your phone reps said.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payments due XXXX XXXX and XX/XX/XXXX. The payment was not delivered on time and each time I was assessed a {$50.00} late fee by my landlord. The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement. On XX/XX/XXXX I sent a message to the bank with the details of the missing payments, copies of statements showing the late fees charged, and a copy of the lease showing the payment due date. On XX/XX/XXXX the bank sent a message back saying that I should expect a substantive response within XXXX hours. I did not hear back from the bank until over XXXX weeks later, though on XX/XX/XXXX a single {$50.00} refund posted to the account. On XX/XX/XXXX I spoke to a representative and clarified that there was still XXXX additional {$50.00} payment missing. On XX/XX/XXXX I called back and the representative said that the case had been earlier closed, and who claimed to reopen it. On XX/XX/XXXX I called again and a representative told me that the case was open but with no ETA and no update. On XX/XX/XXXX, now XXXX months after the initial request, I called again and the representative told me the case had been closed in XXXX and never reopened. Given the runaround and broken promises on this case, I am escalating this issue to the CFPB. The reference number for this issue provided by the bank is 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 monetary relief