BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX & XXXX ( better known as XXXX ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

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 2022-11-17
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Account information incorrect

Complaint:
This account was paid off with Gap insurance and auto insurance coverage. Company reporting inaccuracy of account.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
N accordance with the fair credit reporting act XXXX  Account # XXXX, and 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 Sections 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 2023-01-05
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 is missing that should be on the report

Complaint:
The following accounts are incorrect and are adversely affecting my livelihood. 

Accounts : XXXX Account XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX veteran at the rate of XXXX XXXX, XXXX  XXXX and live in the state of Florida. Loancare, A Service Company, purchased my loan from XXXX XXXX XXXX  in the fall of last year. I submitted my tax exemption paperwork to them on XX/XX/2020. When I submitted the required information ( which was confirmation from our County Tax Assessor stating I was in fact tax exempt on a permanent basis ), and the company ( Loancare ) is still taking the funds and depositing in an escrow account. They will not tell me when they will cease and they refuse to send me the money they have already withheld. I am at wits end ( as I am on a limited income and could sure use that extra XXXX plus dollars a month. I don't know where to turn or what to do.

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 2022-02-26
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: Personal information incorrect

Complaint:
I have innacurate personal information on my credit report. Names, addresses and date of birth is incorrect. I solely go by given name. This is a ongoing situation that I have tried to dispute more than twice.

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 2018-12-11
Company: TD BANK US HOLDING COMPANY
State: DC
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:
XXXX : TD Auto Fina XXXX I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My well Fargo Bank has been Stealing from me this has happened 5 times and now have put a hold on my money and Refused to let me close my account i have over {$4000.00} in there the have already taking XXXX. XXXX out of my personal and. and again XXXX two time they had my business account neg. XXXX moths XXXX XXXX up until now XX/XX/XXXX today I got my income taxes and they put A hold on my money and will not return it they made a false claim up and said i told them to open a fraud claim i never gave this person permission to use my info went to close my account today XX/XX/2023 and was refused to be giving my money and close my business after someone on inside keep Robbing me and lying saying they were going to return my money and never did they waited until i got more money to pay the money they took form my business account they have taking over XXXX dollars from me disrespect me and mentally hurt me I have spoke to claims fraud department about my money as well as self who the bank say they gave my money to but than slip up and said that self retuned the money but it was never returned to my account at all. I need My Money Please Help They Forcing me to bank with them by not letting me close my account and holding my money as well as not returning all money they stole prier to Today. And Today I will be calling police to do a report XX/XX/2023 Thank you They even lied about the claim date the problem is I never opened a claim I ask a question if money pending was mine as a business bank loan or was that money indeed sent in good favor the took my money

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 2022-02-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX  Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}

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 2023-12-18
Company: SLM CORPORATION
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In re XXXX XXXX XXXX XXXX reports showing adverse activity with Sallie Mae, a private XXXX loan lender. 

2 accounts : 1. Last Full Payment : XX/XX/XXXX for {$190.00} XXXX. Last Full Payment : XX/XX/XXXX for {$130.00} These accounts should be due to fall off in XXXX XXXX. Yet, Sallie Mae has augmented the payment history to re-age the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Personal information incorrect

Complaint:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis

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 2023-03-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2023, I logged into my Navy Federal online banking and noticed I received my tax return, which was a surprise because I had just filed I seen that It was only XXXX in my account. I called Navy Federal up to someone and asked where my money was in my account. They stated we took it. I said for what they stated for a credit card in collections. I was in the biggest shock. I had no knowledge of this, never received any correspondence in the mail, called anything the rep stated, we sent an email. On XX/XX/2023 in Reference to the credit card about collections I never received it then she stated that it's like if you don't pay your light bill I don't know how that correlate I have been in contact with Reps for them to do this to me is very Surprising I have been explaining to them my circumstances me and children are homeless when I talked to a rep I sated I would pay the pay due balance I owe when I got my return they took everything from me and when I called they were unprofessional unpleasant and uncompassionate I asked to speak to a manager someone higher up was hung up on called back and placed back in a queue put on long holds I have been banking with this company for 17 years I have never experienced a situation like this with Navy Federal credit union before. People fall on hard times ; the FDCPA protects consumers from how and when they can contact a consumer concerning a debt, also the statue of limitations of the debt. I want this issue resolved and my money back I told them I would pay the past due balance they went the wrong way about this I was never made aware by mail or phone of the collection against me in order to make arrangements payment plan they just took all that I have and I'm back at square one

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BARCLAYS BANK DELAWARE
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I purchased a XXXX product from XXXX and then the funds were not added to the prepaid product. I paid XXXX for this transaction. The next day on XX/XX/2020 I called XXXX at XXXX and was told they would send a check for the balance on the card since that balance was not loaded. However at this time they were having " technical issues '' and was denied a refund of XXXX. I then called again at XXXX XXXX EST on XX/XX/2020 and spoke to XXXX - who told me I should seek that refund from XXXX and that is what the system is showing. XXXX refused me a refund in the morning since they were specifically told by XXXX that XXXX would provide the refund. I am out XXXX with no recourse at this time. Both XXXX and XXXX are denying a refund for a card I purchased. I was with XXXX on the phone as I filled this complaint. After further research the card is showing " refunded to store '' at XXXX at XXXX XXXX on the same day of purchase on XX/XX/2020. I DID NOT do this - this was clearly fraud. XXXX has no record of this transaction. I called back XXXX and tried to file a fruad complaint and was not able to open a billing dispute despite clearly stating in their terms and condition that this was a possibility. They stated that XXXX had my money. 

I attempted to file the complaint via the Barclays bank dispute process. I attached the response from the US Federal Reserve Bank of XXXX XXXX which stated in effect that XXXX was in possession of my money. Barclays stated they reviewed the letter but a letter from the US Federal Reserve was inadequate to reverse a decision in this matter. I am very frustrated with Barclays since this is clearly a fraudulent transaction and if a letter from the Fed is insufficient what level of evidence would be sufficient? 

I spoke to a manager at Barclays named XXXX, who stated that since this was a face to face transaction there was nothing they could - again despite a letter from US Fed ; I am having trouble understanding what gives Barclays the right to ignore the Federal Reserve. 

In the Federal Reserve Complaint it is stated, " XXXX XXXX concluded its investigation and determined that the gift card balance had already been refunded to XXXX Store # XXXX on XX/XX/2020. We confirmed that the funds have been reversed back to XXXX Store # XXXX, and that you will need to contact the store for resolution. '' In effect XXXX sold me a card, just reversed the funds on the card, kept the money and refused to provide me the refund. Someone or something forced this refund : If this isnt fraud I am not sure what is!

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 2023-01-19
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 U.S.C 1681. 

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

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
We filed the complaint # XXXX back on XX/XX/2021. XXXX Bank responded that the account was not opened since the country of XXXX is on XXXX restriction list!!!! 

However we have absolutely NO financial transactions with county of XXXX! Therefore we were puzzled why a legal US resident with Permanent Residency ( XXXX  ) Social Security and a valid State issued ID is unable to open a bank account! Our only fault is that " we were born in XXXX and now we are in the US to be near our beloved children ''! 

Thus we did follow up with XXXX XXXX XXXX at XXXXExecutiveOffice via phone and email and mail. During a telephonic conversation she acknowledged that the banker made an error assessing the situation and made a wrong judgement in this matter since all requirements to satisfy for an account had been met. In-fact just few days after we opened an account with XXXX which we have not had any issue with them what so ever! 

Ms. XXXX XXXX at XXXXExecutiveOffice assured us that additional investigation and corrective actions will be taken. However despite several voicemails that we have left for her and emails sent to her, we did not receive any responses from Wells Fargo. 

To us, this is a TRUE case of discrimination and it was evident to us that the Banker spent almost 2 hours making numerous phone calls just to provide a " NO '' answer to us! We could overhear his phone conversation that the other party on the phone line asked her " Why not open an account for them if they have all the documents? '' and he was replying " Because they are originally from XXXX! '' We are demanding XXXX to provide an official respond that : 1. What was the final conclusion of their investigation?

2. What has been the corrective action that XXXX has taken in this matter? 

This is not a situation that neither ourselves nor our children could forget nor forgive and we are also giving them ( Dr. XXXX XXXX and Mr. XXXX XXXX ) the full power of Attorney to conclude this matter if any unexpected circumstances arise for us. Our children and their young XXXX had to accompany us ( 2 elderly individuals ) at the bank in the middle of pandemic for 2 hours while the banker was making every effort to provide a NO answer!

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 2023-03-14
Company: CITY NATIONAL BANK
State: OK
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:
City National Bank shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and City National Bank, they have failed to investigate and have failed to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account, deposited a check and then was notified they were closing my account. The check cleared and now has been sitting in the account for over 3 months with no movement. I submitted a claim over this previously at the end of XXXX and they still have my funds hostage. They claimed they would return the funds but the funds are from a check from the state of oregons revenue for a tax return so there is no returning it. The state can not reissue a check because capital one has successfully cashed it into the account they are now holding hostage.

Company response to consumer: Closed with explanation