BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX I noticed that I had and account on my credit report with Bonneville collections for XXXX XXXX in the amount of {$610.00}. so I called to make an arrangement of XXXX a week for 5 weeks to take care of it, the representative Hung up on me. I called back to make the same arrangement even though I was so irritated that I had just been hung up on. The second representative that I spoke with was more polite, and we set up the arrangement. We had ended the call and I realized I had n't given them my information to debit my account, so I called back. This experience was the worst, the representative verbally harassed me, belittled me and when I asked to speak to a supervisor, she refused, I told her that she was in violation of the FDCPA as she did not verify at all that I was the customer, and she was harassing me ( which I am familiar with, I do work in XXXX myself ) her exact words were " Oops, I recognized your voice I did n't need to verify that It was you '' I told her it did n't matter if she recognized my voice or not and that I wanted to speak to a manager and she responded by saying " Like I just said, you wont be talking to a supervisor right now '' I asked her if these calls were recorded, she said yes, and I said I would like to be placed on hold to speak to a manager. She transferred me to a manager immediately.
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I called back Wednesday to ask what they were going to do about the incident, they apologized and said that steps were being taken inside the company.
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I got a call from them Thursday expecting me to pay the same arrangement that I originally agreed upon before I was harassed. And I explained that I would n't pay that, I offered a settlement of {$230.00} and she asked what the reason was so they could submit that to the client and the client will either accept, deny, or counteroffer. I told her that the reason was because her company harassed me, broke the FDCPA guidelines, and verbally assaulted me, so that 's what she can tell the client. She responded that she would n't submit that, and that they can take off XXXX of the interest her company charged to the account. I told her that was n't good enough, she told me she would submit the offer to the client and that 's what I expected her to do. She said she was going to transfer me to a supervisors voicemail and she would get back to me. I left my name and phone number and I never got a call back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I contacted Navy Federal Credit Union she I ask if I paid the money I owed them from a previous account that had defaulted would I be able to establish a new account in good graces. I was told yes by XXXX different Navy Federal employees on a recorded line. I had also spoke to server Al Navy Federal employees previously about the same matter with the same response. Yes you could re-establish your account. So after making the payment I did just that I re-established my account with my debit card being on the way. I received a phone call this morning stating I was misinformed by the agents and I could not open my account back up. I also talked to XXXX XXXX a representative for Navy Federal and was told I was able to now open an account. I was offered a settlement account from them but was told if I wanted to re-establish I had to pay the amount in full. I spoke to the supervisor is morning and she stated there was nothing she could do but close the account that had already been backed open by their representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am XXXX XXXX and Im submitting this compliant myself with no third party involved. 
I, consumer, natural person went into XXXX on XX/XX/XXXX to purchase a vehicle. I told them I already had a pre-approval through a specific financial institution. They proceeded to violate my consumer rights and run my credit to XXXX XXXX. I didnt authorize this transaction and I want it removed immediately. The same company ran my credit without my authorization on XX/XX/XXXX as well. I want these removed from ALL agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. 

Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Terminate issuing incorrect information to my Credit Report and all inquiries in the request that have been disputed must be removed.

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 2022-02-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I need help in recouping my rent money from ChaseXXXX XXXX My landlord advise me that as of XX/XX/2021 I would be able to send him my rent money through XXXX. On XX/XX/2021 I sent my rent through Chase via XXXX {$1500.00}. On XXXX XXXX, XXXX I received a call from my landlord asking me where was my rent money. I told him I sent it via Chase/XXXX XXXX XX/XX/2021. He said he did not receive it. I confirmed his email address and realized I add an extra letter to his email & that is why he did not receive it. I contacted my bank immediately and they sent an claim dispute to XXXX. The correct email is XXXX and I accidentally sent it to XXXX - I added a " XXXX '' to the email address. I did my own research on email XXXX and no results came up. I even sent an email to this email address pleading to please send me back and money and no response. I have contacted Chase numerous of times and they said there is nothing they can do and that I have to take it up with XXXX. I contacted XXXX and they say since I did not submit this transaction through them directly I have to take up this matter with my bank Chase. I'm being tossed back and forth and no one seems to be able to help me retrieve my rent money of {$1500.00}. I even told them I did my own research and told them that this is not a valid email and where did my funds go. No one can not help me. This is a lot of money to just throw away accidently. Please can you help me. The case # that chase opened and closed is XXXX. They will not open another dispute to advise me where was these funds deposited too and to whom. I have attached the information of my research on the email address of XXXX and there is no activity on this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your 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 2017-07-14
Company: EQUIFAX, 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:
On X/XX/2017, I submitted a dispute to Equifax and they refused to remove several accounts listed on my dispute. The accounts were submitted under identity thief. However, they refused to remove the accounts. I received no validation on why the accounts remained. According to the FCRA 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I received no results until after 30 days and no valid reason why they remained. I am submitted a police report along with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 this hard inquiry showed up on my credit that i have no responsibility of i filed to have it removed and no response i need to have it removed because it is hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit for personal, family, and household purposes by CAPITAL ONE BANK ( USA ) , N.A. I was notified of this transgression of my rights specifically 12 CFR 1026- The Truth in Lending Act, by CAPITAL ONE BANK ( USA ), N.A. on XX/XX/2022, dated XX/XX/2022 via U.S. mail. According to 12 CFR 1026.2 ( a ) ( 3 ) definitions of The Truth in Lending Act, an application means : submission of a consumers financial information for the purposes of obtaining an extension of credit. A credit card ( 12 CFR 1026.2 ( a ) ( 15 ) ( i ) means any card ( social security card ), plate, or other single credit device that may be used from time to time to obtain credit. I used my social security card to extend credit to myself for personal, family, and household purposes. I as a natural person possessing an open-end credit plan, which was harmed by CAPITAL ONE BANK ( USA ) , N.A. adverse action taken against me and denying my rights. This is discrimination according to Regulation B Equal Credit Opportunity Act because, I the applicant, has in good faith exercised my right under the Consumer Credit Protection Act. My credit card was charged, which shows a transaction took place because the inquiry is on my consumer report. Meanwhile, CAPITAL ONE BANK ( USA ), N.A. received consideration and I got a denial adverse action letter. Pursuant to Equal Credit Opportunity Act, anyone who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant, which is me, for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages. CAPITAL ONE BANK ( USA ), N.A. is now civilly liable to pay me for the damages when Ive showed good faith as a consumer and was denied my right of credit for personal, family, and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Today, XX/XX/2019, I received a Mastercard from XXXX XXXX with my first name, and only ONE of my last names on it. It had my address in it, and I could not reach customer service. It was an unsolicited card with my address, from a bank I've never heard off before.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called upon an attorney years ago past to correct false reporting on my credit report from Experian. As a result I was dropped into Experian 's punishment group called " Special Handling ''. In order to dispute or get a copy of my credit report I have to spend days on and off the for many many hours to get a report or dispute. Depending on the mood of the Experian rep that day, I may get help or not get help. I was assigned a Special Handling rep named XXXX XXXX XXXX in Texas. This guy apparently has some bias toward as he ignores most my dispute complaints and treats me like a parent scolding a youngster. He is not fair or professional in his dealings with me. I have tried to get another person assigned... but I give up as Experian ignores my repeated request. The whole point I that I'm being punished and made to suffer for standing up for my rights and I shouldn't be. If any counsel out there reads the public disclosure of this and would like to make contact with me, please do so. Otherwise, Im in the hopes that CFPB can help beforehand.

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 2019-10-03
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 sent request about removal incorrect information on me credit report. I checked it and find out a few medical collection which I never belong to me. I always paid my bills in full and never had a dept. All of them opened like fraud accounts.

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Please remove as soon as you can every fraud accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: OH
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 with product or service terms changing

Complaint:
I was told to file a complaint with ftc.gov/Equifax due to the breach and chose the {$120.00} option due to the fact that I had had fraud protection due to breaches with other companies in the past. 

Now I find out that there were so many people choosing this option that it is not going to be financially possible to get a {$120.00} check and that we would be " disappointed '' with the amount. 

That is not MY problem or the problem of the people whose information was compromised by the breach. I don't care if Equifax doesn't have enough money to pay out. If a private citizen was ordered to pay a specific amount, that citizen would have to pay that amount or their wages would be garnished at the very least. This is a large corporation, not a private citizen, and this is a serious matter. {$120.00} is an EXTREMELY small sum to pay for what happened. 

At this point it looks like I'm going to have fraud protection for the rest of my life because businesses don't want to have to pay for their mistakes, or they somehow don't HAVE to. I just got hit AGAIN by the XXXX XXXX breach. This is absolutely ridiculous. I feel at the very least, make it right to everyone who opted for the measly {$120.00}. If you want to fine tooth comb people who are opting for the higher payouts based on their time and money and what have you, go ahead, but according to YOUR website, everyone who was eligible SHOULD BE PAID what they were TOLD they were eligible for. It doesn't matter if Equifax is crying that it's too much money. That problem is NOT OUR PROBLEM. THAT problem is EQUIFAX 'S problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, 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:
XXXX XXXX has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally XXXX  is the ONLY credit Bureau reporting this. It shows XXXX : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX & EQUIFAX:XXXX LAST REPORTED DATE : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX & EQUIFAX:XXXX. 

In my first dispute with XXXX their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my XXXX  report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on XXXX there showing XXXX XXXX XXXX XXXX I'm LATE 120 days in each box ; HOW?? How, there is only XX/XX/XXXX days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. XXXX an EQUIFAX are reporting this company XXXX XXXX XXXX. 

Now XXXX says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet EQUIFAX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. EQUIFAX is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )

Company response to consumer: Closed with non-monetary relief