BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX Account # XXXX, has violated my rights. XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, 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 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 non-monetary relief
Consumer complaint received 2019-07-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is against Navy Federal and XXXX Resolutions. 
On XX/XX/2019 account was charged {$500.00} to pay for a service that I never received. It was authorized based on me receiving the service. However, I never received the service and the individual resigned the position as the director. Our company paid out the funds through XXXX which was tied to Navy Federal business account. The person got away of the amount of {$500.00} and when I made attempts to explain this to navy federal that we were out of {$500.00} without the service nor the funds they did not back nor support our company, XXXX of the XXXX XXXX, XXXX and refused to assist with a refund from XXXX XXXX who based on contract did not perform the duties of a director and not only that realized her incompetencies and resigned the position leaving us in a bind and he had to hire another individual to fulfill the role of the director,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the account listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00}

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 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: CA
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 am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I didnt mean the council listed below be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  XXXX, has violated my rights. 

15 USC 1681 section 602 a state I have the right to privacy.

15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason

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 2021-10-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I spoke with Wells Fargo on XXXX about a wells fargo overdraft and the customer service manager told me that the account activity on my wells fargo app does not reflect the full activity that shows on their computer. This made no sense because my wells fargo app activity should directly show the same thing that is displayed on their computer. This was a red flag. On XX/XX/2021 a customer service representative had my overdraft fee refund approved. Spoke with Wells Fargo customer service representative today on XXXX and he was the rudest customer service representative I have ever dealt with so I requested a new representative to speak with. The new representative told me that the overdraft was refunded but it's their policy to not show it being refunded on my activity page so basically I have to do the math myself to figure up that the refund was credited. That is another red flag. Also Wells Fargo will allow my debit card to be consistently charged by automatic payments when it is already overdrawn, so they can charge multiple overdraft fees resulting in exorbitant fees that can sometimes put my account into - {$500.00} or more. There is fraudulent activity that this bank is still committing with the most horrible customer service to match.

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 2019-07-24
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to XXXX Loan Care LLC. 

I sent in a payment for {$1800.00} on XX/XX/2019. They cashed the check but applied the loan proceeds to a wrong account number. 

I notified them of this via Phone call to customer service. I spoke with XXXX. She said it would be reversed and posted to the correct loan in 4 to 5 business days.

After 5 business days, it was not corrected. I called Back.

This rep said she could see it was in process and check back on XX/XX/XXXX. 

I called and spoke with XXXX at XXXX on XX/XX/2019 and was told that nothing had been done.She did not know when it would be taken care of or what it would take to get cashiering to get the payment posted correctly.

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 2020-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I've recently checked my credit report from XXXX  and I was shocked to see the previously deleted fraudulent accounts were reinserted back to my credit file. The BANK OF AMERICA ( ACC NO : XXXX ) and XXXX XXXX XXXX  ( ACC NO : XXXX ) fraudulent accounts were disputed and deleted in XX/XX/2019. However, XXXX  reinserted the fraudulent accounts after two months without notifying 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 2023-10-13
Company: NAVY FEDERAL CREDIT UNION
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions This account was fraudulently used while I was on a XXXX in the military and ended up being sent to collections. I want this account removed from all 3 credit bureaus XXXX, XXXX and XXXX Please. I am currently stationed in XXXX, XXXX and have been trying to get this account removed for some time. This account has been sent to debt collector and they have been constantly harassing me to pay for an account that was not used or authorized by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a home owner, and rented part of my house to a tenant from XX/XX/XXXX to XX/XX/XXXX. 
my tenant unable to pay the rent from XX/XX/XXXX to XX/XX/XXXX and because of federal government mandate I didn't evict my tenant. we both file for rent subsidy with broward emergency rental assistance. The tenant left after the lease expired and on XX/XX/XXXX I call the emergency rental assistance and they said my tenant didn't submit requested documents. I try to reach my tenant and unable to reach him. i apply to XXXX. and they said unable to help me.. they ask me to contact a councilor office, and i submit the form, unfortunately no response from them as well. 

I just follow the federal government mandate, and now I am in financial trouble. 
I would appreciate if your office could guide me whom I should reach out to submit my claim.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going over my records & detected the fraudulent information and account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already REMOVED this fraudulent information so my question is why do you still report this harmful record? I have already disputed this item quite a lot of times and specified that I am an identity theft victim. I even sent my FTC report I filed online on their website and the Police Report I filed on my local Police Department alongside with my personal information and documents but still you decide on to continue reporting this account. Credit Bureaus are guaranteed to fulfil with the FCRA regulation section 605b but you never feel a concern nor paid any consideration to my Disputes. You became neglectful of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. Now, I want you to GET RID OF this account from my file like the other bureaus have completed. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 XXXX $ 0-Late/Closed Late Dates 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 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom this may concern i have recently gone over my credit report and spoken with an collection agency that is reporting to my report the agent i spoke with is XXXX from XXXX XXXX XXXX, also i have gone over the itemized billing with XXXX and he stated that i was being charged {$3000.00} for a termination fee, which i have in written documentation that it is supposed to be waived, so that is inaccurate also upon checking XXXX XXXX original amount reporting to my credit report is {$4500.00} of which {$3000.00} as the termination is not supposed to be there. i also received the itemized breakdown from XXXX at XXXX and XXXX which states the same also with the mailed letters that show the itemized breakdown. as per the recorded call majority of my balance is being charged based on a termination fee of which I'm not supposed to be charged for due to moving because of mold in apartment, as per FCRA 15 U.S. Code 1681e ( b ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



which means this collection needs to be removed/deleted from my report due to the inaccuracy of the reporting. please remove Immediately.

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 2023-09-22
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was paid in XXXX  {$75.00} I am NOT PAYING IT TWICE and the people have been very rude. This was taken off of my credit reports 5 months ago and now it is showing back up on my reports- this again was paid in full so please remove this from my credit reports asap!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the account listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was notified this morning via email from PayPal that my account is permanently limited for violating their acceptable use policy. The notification went on to say that my entire balance will be held for 180 days. I called PayPal and was told that some type of back office group of management has decided that my account should be restricted and that they do not have a way to find out why this has happened. 

My current account balance is {$19000.00}, which has been made up of many charges over the last year. I expressed concern over this process and my entire account balance being held hostage for 6 months when the funds go back further than their 6 month return policy. I was told they dont keep track of that so they just hold the entire balance regardless of how much falls within their 180 day return policy. 

I spoke to a supervisor and was again told that he is not provided the reason my account was restricted, and he had no way to find out. He said that that the entire balance is held just in case someone requests a refund over the next 6 months. I explained that I provide XXXX XXXX  and this balance has accumulated over the last year from sales ranging from around {$15.00} o {$2500.00} and that my clients have never requested a refund and that if they ever did, I would refund them myself in a heartbeat. 

He agreed to submit my account for another review and that I would get an email shortly. I received an email a couple of hours later with the subject " PayPal appeal denied '' which indicated that my account will remain permanently limited and that my entire balance will be held for 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i submitted a identity theft affidavit to XXXX XXXX and XXXX  on XX/XX/XXXX and XX/XX/XXXX that these 3 accounts that were showing on my credit did not belong to me an that i had never applied for these loans or cell phone services. im attached the follow documents i sent them so they can block these accounts which is requested by the federal goverment law. Please see attached affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions 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 stress 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 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 2018-05-23
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I'm currently an account holder with XXXX XXXX Carecredit. I was provided interest free terms for a medical procedure that involved monthly payments of about {$420.00}. 

The interest free period was for 12 months. However, the automatic monthly payments were set up -- surprise, surprise -- for a 13-month period. Sticking with their original monthly payment scheme would have resulted in one outstanding payment falling outside of the interest free period. 

So that would mean I would pay interest on the remaining balance of {$420.00}, yes? Apparently not. I was told by an operator last week that not paying the entire balance within the 12 months would have activated the interest being withheld on the entire balance -- not the outstanding balance. That interest amounts to about {$900.00}. Even if I had an outstanding balance of {$1.00} by the end of the interest free period, the balance owed would suddenly become {$900.00}. 

This is so predatory, so sneaky, and so manipulative that I can not believe it's legal. The end of an interest free period should only generate interest on the balance that remains -- not the original amount. And the 13-month payment scheme in conjunction with a 12-month interest free period is so criminally deceptive and predatory I can not believe it. 

Please investigate this practice and outlaw it forever. 

Regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation