BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I am disputing multiple charges on my The Children 's place may place rewards credit card Which is a Comenity Bank owned company ( recently switched to Bread Financial ) Multiple unauthorized purchases were made between XX/XX/2022 and XX/XX/2022. 

XX/XX/2022 Interest Charge On Purchases {$23.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 PURCHASE {$260.00} XX/XX/2022 PURCHASE {$220.00} XX/XX/2022 PURCHASE {$230.00} XX/XX/2022 PURCHASE {$250.00} I did not make these purchases and I do not know where they came from. There are not even any purchases on my store account which I find odd. I spoke to XXXX on XX/XX/2022 Who opened a case # XXXX, I was told it could take 90 days for it to be resolved, which I understand since this is not the first time I have had to file reports of fraudulent activity. However, I am being charged late Fee and interest charges which is unfair. Along with the multiple calls everyday and now text messages stating I owe money The Total amount as on XXXX XX/XX/2022 is {$1000.00} This also will most likely affect my Excellent Credit Score Rating, which I worked so hard to get back up into good standings. 
I can be reached by email XXXX I do not answer my phone for unknown numbers anymore after being harrassed by debt Collectors. 
Thank you for your time in this manner, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX$550.00} non-sufficient funds ( nsf XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  {$380.00} XXXX Bank of America {$510.00} account abuse

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 2023-02-27
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-08-11
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo had a XXXX payment sent out of my account resulting in {$1800.00} leaving my account in XXXX of 2022, I contacted them to assist me with the fraud case and they told me they would help me out, they closed out the account and marked it as confirmed fraud, but never returned the money back into my 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 2023-02-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I paid for an XXXX  XXXX with my Navy Federal Credit Union Debit card and the say was not what I paid for, the room was dirty upon receipt, the pictures did not match what was received, the host was unresponsive I explained this to navy federal credit union, and they refused the dispute. This is unfair and I want my money back i Paid for a product service I did not get at all from XXXX XXXX XXXX XXXX this dispute was done with navy federal cu and they gave an initial credit and then they took it back stating i did not send in proof of my claim and I did pictures of how dirty and filthy the room was and how the host just quit responding i did dispute with XXXX XXXX XXXX was told I may not have a refund because the sorry host refused it? how? I paid for something i did not get and while we did stay the one night it was the only option as my money was already spent on this place for the night attached is my receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
In Accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX XXXX : Act # XXXX XXXX XXXX  and XXXX  Act # XXXX XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) aCT # XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy 15 U.S.C 1681 SECTION 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction 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 person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2022 : I requested a refund for payments made during the grace period for my student loans. Edfinancial has not made progress on refunding the loans. 

Internet communities have implied that progress will not be made until complaints are filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, a transfer through XXXX of {$290.00} was done on my account. I had only ever used XXXX twice back when I lived in California, and normally avoid it as it isn't safe, so seeing XXXX be used while I was here in Tennessee was a huge red flag. 
I filed the fraud report shortly after once I noticed the transfer, hoping Navy Federal would at the very least be able to provide me the needed information to file in small claims if they were unable to perform a charge back. It was also at this time I noticed my XXXX account was restricted, as if it had been breached or broke the ToS. Navy Federal 's fraud department also immediately deactivated my debit card without warning or notice.

According to Navy Federal 's fraud department, only my device signed into my XXXX account ( Navy Federal has built in XXXX XXXX, so there was no possible way fraud had taken place on my account.

Navy Federal also refuses to provide me the information needed to identify the individual the money was sent to so I can file a police report/small claims case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a XXXX credit card with capital one in XX/XX/XXXX to rebuild my credit after bankruptcy. My account was kept current and I was offered two credit limit increases between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received and email from Capital One stating that my address has been updated and my new cards ordered. I did not complete that action so I immediately called and reported that activity as fraudulent. I Was told it would be investigated and I would be contacted. I was never contacted, my card was turned off and my online access revoked for my security. The next day I received another email stating that my new card had shipped and once again reached out to capital one. Again I was told someone would reach out to me. Between XX/XX/XXXX and now I have reached out to them on at least 5 separate occasions to even find out the status of the fraud. To this day I do not have card or account access. 

AT the time I reported the fraudulent activity my account was maintained as current and I had never had a delinquency. Once my fraud claim was submitted and completely mishandled, I lost access to a product that I had maintained my contractual obligation on through no fault of my own. 

Capital one has still never resolved the fraud claim despite my reaching out repeatedly and has now charged off the account. HUGELY impacting my credit. Falsely charging off an account and then damaging someones credit is a major violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: IL
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This case is a second filing against The Money Source. The original issue has not been resolved. Please refer to the previous case if needed. The case number is XXXX. 

I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX to make my monthly payment to The Money Source, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid The Money Source {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, XXXX XXXX  sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to The Money Source. 

On XX/XX/2019, TMS responded " To Whom It May Concern : The Money Source ( NMLS # XXXX ) ( TMS ) is in receipt of the complaint filed by Mr. XXXX XXXX ( the Borrower ) with the Consumer Financial Protection Bureau. Mr. XXXX complaint states that after refinancing his loan with XXXX XXXX, he has received conflicting information regarding who is servicing his loan and to whom he should be making the XX/XX/2019 payment. Upon receipt of the complaint, TMS conducted a thorough review of the Borrowers loan file and determined that the Borrower closed on his loan on XX/XX/2019 with XXXX XXXX. On XX/XX/XXXX, the loan was sent to TMS, XXXX XXXX  subservicer. The Borrower made two principal payments on XX/XX/XXXX and XX/XX/XXXX, respectively, prior to making the regular monthly payment for XXXX on XX/XX/2019. XXXX XXXX  sold the loan to XXXX XXXX  on XX/XX/XXXX, and the loan was set to automatically transfer to XXXX after the balance had decreased by the amount of the scheduled XXXX payment. Due to the initial principal reductions, the pre-set balance threshold did not match, and the loan did not automatically transfer to XXXX. As of the date of this letter, the loan has been manually transferred to XXXX, including the XXXX payment made to TMS and the additional principal amounts. The XX/XX/2019 payment, in the amount of {$2200.00}, should be made to XXXX XXXX. All further inquiries should be directed to XXXX, using the following information : XXXX XXXX  XXXX. XXXX XXXX XXXX, MD XXXX XXXX If you have any questions or need further information, please contact me by phone at XXXX or email at XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX '' However, according to XXXX, the additional principal payments were not remitted to XXXX until XX/XX/2019 ( see CFPB case XXXX ). 

On XX/XX/2019, I received an email from XXXX saying the check for {$1200.00} from TMS had bounced. I called the XXXX Mortgage customer service number and was told TMS placed a stop payment on the aforementioned check. As of XX/XX/XXXX, my mortgage principal balance does not reflect the {$1200.00} paid to The Money Source in XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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 XXXXXXXX XXXX 

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



In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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 XXXX XXXX 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It is extremely concerning that XXXX makes statements claiming that they may misreport information to Credit Bureaus just because they fail to properly process payments before the date they report to Credit Bureaus .

This complaint is specifically addressed towards Transunion. Transunion recently sent me correspondence through the mail claiming that they take these types of complaints seriously. However, Transunion should be investigating the company making claims that could implicate them in misreporting tactics. This is to prevent any potential future incidents from occurring. This would not only impact me as a borrower, but other borrowers as well. 

Transunion failing to investigate or following the evidence makes Transunion as corrupt and deceitful as XXXX. I implore Transunion to investigate XXXX as much as possible to prevent them from reporting payments being 30 days late when borrowers make payments prior to the 30 day cutoff. It is not my responsibility for companies who can not seem to address information correctly and then make mistakes because there are cracks in their processes which seem to contradict Credit Reporting rules.

Transunion Agents should be extremely shocked by statements made by a Student Loan Servicing Company who was been sued several times by our own states. Our own Congressional Candidates also made statements that the CEO of XXXX lied before congress in XXXX hearing that took place in 2021. Trusting a leader of a company who has been accused as such is hardly corrective.

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 2018-02-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NH
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:
In XX/XX/2014 I signed up for a class with the XXXX XXXX  XXXX XXXX XXXX. The financial obligation statement signed states " I agree that by registering for courses within the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am financially obligated for ALL costs related to the registered course ( s ). Upon a drop or withdrawal, I agree that I will be responsible for all charges as noted in the student catalog and handbook. I further understand that if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. I also agree to pay for the fees of any collection agency, which may be based on a percentage of the debt up to a maximum of 35 %, and all additional costs and expenses, including any protested check fees, court filing costs and reasonable attorney 's fees, which will add significant costs to my account balance. '' This statement does not say anything about loan terms. It does not specify an overdue balance being categorized as a loan. No line of credit was provided. The statement does not specify any type of monthly payment agreement. The only thing this statement says regarding credit is " ... if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. '' However, this organization is categorizing this balance as an unsecured loan, on a revolving account with a monthly payment obligation, now reporting 32 missed payments on my credit report. Since XX/XX/2014 I have been actively trying to get this reporting resolved with XXXX themselves, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX the collection agency managing the account, and the credit bureaus. When referencing the fair credit reporting act, the institutions actions are in violations in multiple ways. The financial obligation statement is vague and does not clearly explain how they are treating past due balances. With the exception of the credit bureaus, none of these organizations have responded to me directly after multiple disputes. They also have no documentation that outlines a service term, loan agreement or line credit being extended.

Company response to consumer: Closed with explanation