BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020, {$500.00} was taken out of my savings account unauthorized. When I went into bank to find out why, I was told this was due to fee for Navy Federal Appraisal fee. However the appraisal fee was taken out off my credit card last month. After explaining this, I was then told to email XXXX I noted this email as urgent.

PS- I canceled the appraisal a week ago due to being talked to like a child after being with the company for 7 years serving in the military. Now they are taking money out of my savings authorized. I would appreciate assistance in this urgent matter as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made a charge of {$840.00} on XX/XX/XXXX on a promotional plan of deferred interest if paid in full in one year. 

In XXXX of XXXX I had a bill w/ a minimum payment of {$29.00} and a promotional balance ( on the charge noted above ) of {$280.00}. 

I made a payment of {$280.00} to pay off the promotional amount ( which {$280.00} is greater than {$29.00} ) which was cashed on XX/XX/XXXX. 

In my XXXX bill they charged me {$160.00} in finance charges related to the purchase on XX/XX/XXXX - they said that for me to have not been charged the finance charges I need to pay the promotional balance of {$280.00} + {$29.00} ( the minimum payment ). 

Nowhere on the bill did it state that I needed to pay this amount and it is ridiculous that they are charging me finance charges when I paid they amount that was due on promotion and that amount is greater than the {$29.00} due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received an email from Capital One that stayed that my credit limit had been decreased because I do not regularly use much of the credit available to me. I checked my account and both of my cards had their limit decreased. I was only notified about XXXX. I called the company and explained to them that I am in the process of refinancing my mortgage and that this could potentially be catastrophic for my personal finance. I reminded them that I have been an account holder for years and never missed a payment. I asked them if there was anything we could do to restore the limit. They said there was nothing I could do. When I asked for details on how the decision was made they told me to read the email that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions 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:
Since XX/XX/XXXX Experian has been reporting false information to my credit le held by their organization. I aware that Public Records type information is public, however, I am also aware that main provider of this information is XXXX. Therefore, Experian is in violation of the Fair Credit Reporting Act for false reporting. My rst attempt was sent via certied mail USPS ( XXXX ) resulted in a return receipt as undelivered. However, Experian did respond saying the information was " verified ''.

My second attempt to resolve the false reporting of information was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. In the letter I challenged the accuracy, compliance and report-ability of the listing. Experian responded with a letter claiming to have veried the public record. I sent a letter to the UNTIED STATES BANKRUPTCY COURT - XXXX XXXX of Alabama formally requesting their procedure for verifying records with the credit reporting agencies. The Bankruptcy Clerks Ofce stated, Credit reporting agencies regular collect information from the petitions led and report the information on their credit reporting services. How did Experian verify the public record if creditor, in this case, UNITED STATES BANKRUPTCY COURT does not provide information to credit reporting agencies?

My third attempt was received via certied mail USPS ( XX/XX/XXXX) on XX/XX/XXXX. I again requested validation, accuracy, compliance and report-ability of the listing. I also attached the letter from the UNITED STATES BANKRUPTCY COURT, and requested their method of validation, and declare an opt-out of XXXX  verication. Once again Experian response deemed the information veried.

Laws I can potential le for : 1 ) FCRA Section 623 XXXX v. XXXX XXXX   XXXX  US Court of Appeals of the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ) 2 ) US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. 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
Consumer complaint received 2021-05-28
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had so many issues with this company, from reporting late payments that were not true to now reporting the incorrect balance and it is keeping g me from a better credit score and also keeping me from applying for new credit. I need for the balance to be corrected and also the late payments to be removed since we were in a pandemic and I tried to make payments but the company is so unprofessional I was unable to pay on time due to unprofessional workers working from home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: FinCo Services Inc DBA Current
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I did a cash out on my XXXX XXXX of {$40.00} after their fee it was XXXX I believe to my current account it was supposed to be instantly deposited they didn't get instantly deposited couple days later XXXX XXXX gave me the feedback never received the money in my current account still have not received the money in my current account they say they know nothing of it XXXX XXXX I have stated it was confirmed it was sent it was received Visa confirmed it current does not want to give me my money or do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX  Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}

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 explanation
Consumer complaint received 2020-06-29
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XXXX I received a U.S.Bank ReliaCard in the mail. I never requested this car, have no idea why it came to me. I called U.S. Bank who could not help saying that they were just the issuer of plastic? They gave me a number to Reliacard. I called this number and was on hold for 58 minutes when someone picked up and hung up! I called again on XXXX and was on hold for 2 hour 3 minutes when again someone picked up and hung up! I said I had contacted the company but in truth I have attempted twice to speak to someone with no result. The paperwork that came speaks to the Colorado Department of Labor. I have no dealings with the Colorado Department of Labor so have no idea if they are involved in the issuance of this card as to why. What bothers me most in reading all about this card, it states that I have an account ( do not want it )! Bottom line, I never requested this card nor did I apply for any account. I do hope you can help me with this because I can't get through to speak to anyone.

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 2020-06-29
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Invest refuses to give me my money back from my investment account. I have had funds in an Ally account since XXXX first and have never been able to invest as I wanted as there has always been an unspecified restriction on my account. Customer service reps claim to be unable to see the restriction on their end, so they have no idea what it's about. Since then I've tried to transfer some of my money back into my personal bank account to pay bills, but Ally continually fails to lift the alleged restriction. I'm told by four different reps that four different departments have worked on my problem -- including the IT department which inexplicably closes at the end of the trading day -- all of whom promise to have the issue resolved by end of day, but to no avail. My account was even completely barred from access all weekend this past weekend, so I could not so much as view it. 

Today I asked to close my account, but I'm not allowed to speak to someone in the department in charge of account closures. I'm told I can do it myself online once the original restrictions are lifted from my account ... at the end of the business day. At this point, I want all of my money back and my account closed. 

Finally, it is interesting to note that complaints about Ally Invest have spiked during the virus, according to the 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 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, XXXX, XXXX  and Transunion actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX  has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX  regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. Transunion has not provided any feedback on my request to validate public records. XXXX  has not provided any feedback on my request to validate public records. Please see my attached documents.

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 2019-10-22
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
It is showing on all three credit bureaus that I made late payments in this account that I didnt. I want the account to be fixed and show that all payments were made on time on all three credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
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:
The following account was fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the item be blocked to correct my credit report XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive been a victim of identity theft

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 2020-10-12
Company: MECHANICS BANK
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX ( Mechanics Bank  ) uses an app for loan payments. There is no way to adjust the payment amount to pay more than the minimum amount. If you want to pay extra, you have to send multiple payments. Quite often, if I send two identical payment amounts, the second is ignored. They make it super difficult to payoff the loan early by also limiting monthly payments to {$2500.00} dollars a month. I wasnt told that extra payments dont just go to Principal. I had to figure that out myself because there is no way to mark a payment as principal only on their app. When I asked how to get my extra payments credited to principal only, I was told I had to email every time after the payment and ask for it to be credited to principal. I started doing that in XXXX. The loan was initiated in XXXX this year. Over half the time, my payment still has not been credited to principal. My next loan payment currently isnt due until XXXX of XXXX because of these errors. I emailed multiple times to get this fixed. I was finally told to call customer service which I did on XX/XX/XXXX. They told me I have to email after every payment again and refused to fix my loan payment history to credit the extra payments to principal only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent transactions were processed on my card in XXXX and BBVA still has not reversed them appropriately. I have now spent over 5 hours on attempting to resolve the issue and had 6 points of contact with BBVA personnel to no avail. This rollercoaster has included BBVA crediting and debiting my account numerous times, refunding the wrong amounts due to foreign currency exchange rates, sending me a letter that said they determined that some of the charges were authorized by me, sending me another letter stating that they determined all transactions to be fradulent but that they already refunded it ( false! ), not following up on promises to contact me, their online portal not allowing payment of my credit card balance, etc. Refer to a detailed description of the events transpiring since the transactions occured in the attached PDF. In addition to the PDF, refer to attached XXXX extract of the credit card transactions ( supplemented as necessary by screenprints throughout ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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:
To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
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 2018-12-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of these accounts : XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX and 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
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/21 I pulled my credit report and realized there are multiple errors being reported on my credit report. These errors are reasons why my applications for credit are denied. Equifax & XXXX XXXX XXXX  are reporting I have a balance owed of {$510.00}. This account was paid off, yet it still shows a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My dad has a credit card, several months ago he called them, but couldnt hear well and authorized them to talk to me. They apparently took upon themselves to add me as an authorized user. He made a charge of around {$3800.00} and they reported that balance on MY credit bureau report, which lowered my credit score. When I called them and explained I never consented to be added to his account, they said the way they would remedy the reporting would be to delete me as an authorized user and after the next billing cycle it wouldnt be on my bureau. My dad paid the account in full the next billing, but to add insult to injury, his bureau reflects it being paid, however after two months mine still shows I owe them {$3800.00}. I have spent hours talking to their credit department, both representatives, and supervisors who refuse to amend my bureau, because they cant correct something when I dont have a Capital One account.

Company response to consumer: Closed with explanation