BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: GA
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 USC 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, 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 seven years.

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 2017-09-08
Company: EQUIFAX, INC.
State: WA
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 personal information, including my social security, driver license was stolen from equifax. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to Navy Fed Credit Union twice for a credit limit increase on my VISA SIGNATURE FLAGSHIP account and was denied. I applied in XXXX XXXX XXXX XXXX XXXX. Initially I was denied for insufficient income and I sent an adverse action letter to dispute their discrimination and no response was supplied by Navy Federal Credit Union. I applied again and was denied saying that I've reached the maximum unsecured credit limit, which is a blatant lie since the card goes up to {$80000.00}. Clearly, Navy Federal Credit Union is discriminating against me as a consumer since I have rights to credit. Navy Federal Credit Union is with holding my access to my securities, which is securities fraud. Navy Federal Credit Union is violating the ECOA & Consumer Credit Protection Act. NFCU is refusing to increase my credit limit per laws set forth by Congress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was required to complete an XXXX XXXX XXXX XXXXorm and send in 3 months of bank statements in which I did from my credit union which is XXXX XXXX  All was completed but the notary didnt put in the end and the beginning balance which was on my bank statements. Ive been with them over 4 years never missed a payment and always paid on time or before time.! I feel this wasnt my era and I should have got a chance to have them complete the form. Spoke to some lady with discover and ask to speak to manager she said they will get back with me which is poor customer service!! Dealing with everyday life after a global pandemic I feel I should have been given more time since clearly they see I tried.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On or about XX/XX/2019 I paid my Synchrony car care bill online ($28.00) through my Bank of America account.  On XX/XX/2019 I received an email from Synchrony indicating that they had not received my payment and my first thought was “XXXX” because I knew that I made the payment online.  I went home and logged into my account and discovered that I posted the payment to another one of my Synchrony account and I immediately called Synchrony and spoke to XXXX.  She informed me that she was able to transfer the payment to my car care account and that the late fee would automatically be waived because they could tell when the payment was made.  On XX/XX/2019 and XX/XX/2019 I received additional emails indicating that my payment was still past due.  Today (XX/XX/2019) I logged into mysynchrony online account to find out the amount of my XX/XX/XXXX payment and that is when I noticed that it indicated my payment was showing past due in red and once again I called and spoke to XXXX.  XXXX  told me that the payment was not transferred even though XXXX  told me that my payment was being transferred.  I told her that I did not have any faith in Synchrony and had problems with them in the past and was fearful that they would report this information to the credit bureaus erroneously.  I also told her that if it was not fixed today that I would file a complaint with the regulatory agencies because Synchrony has received my payment on time and is now playing games and harassing me about making an additional payment for $XXXX. At that point XXXX told me that she was going to transfer my call to a supervisor to get it fixed for me today and placed my call on hold.  A gentleman answered and stated that he was from Lowe’s and could not assist me and the call was terminated.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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 2022-10-20
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy federal credit union is my bank. I was defrauded approximately {$22000.00}. It started with XXXX XXXX and was moved to XXXX  then back to Navy Federal and back to XXXX The dates are from XX/XX/2022 through XX/XX/2022. I contacted the Pennsylvania state police and file a report. I also filled out and filed a identitytheft.gov report. XXXX XXXX XXXX also was involved although XXXX XXXX  and XXXX XXXX XXXX both approved my claim. Navy federal credit union denied my claim then I put in for an appeal and was denied. I later found out that XXXX XXXX was also involved during this time. The amounts are {$3400.00} and {$3800.00}. I saw the claim for that and was denied. After I was given a provisional credit for the funds that were taken from me I remove them from navy federal credit union and put them back in the original account that they were taken from which was XXXX bank now Navy Federal credit union has my account - {$23000.00}. I believe my phone was hacked and I reported it to XXXX and sent my phone in to get a new 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 2021-01-28
Company: NAVY FEDERAL CREDIT UNION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
40+ years ago, i was a member of Navy Federal Credit Union . somewhere between 30-35 years ago i filed for bankruptcy and NFCU was one of the debtors i claimed. Fast forward to 2021. I have rejoined Navy Federal Credit Union, paid my {$5.00}, sent in all documents required to rejoin. I rejoined because of their low interest rates. Two weeks ago i applied for a NFCU credit card on line and was denied. ( i have a credit score of XXXX ). Yesterday i received a letter saying i was denied because " you created a loss to Navy Federal Credit Union '' ( the amount they lost was less than {$400.00} if i recall ). I called NFCU and talked to a rep and ask why i was being denied a credit card on a 30+ year old bankruptcy. Her reply was, well you can write us a letter and appeal our decision, but i doubt that you will win. 
How can they hold that against me after 30+ years?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 closed my account in XX/XX/XXXX due to personal reasons. When speaking to a representative at XXXX Bank when closing the account she waived my {$25.00} late payment as a one-time courtesy and informed me that my {$200.00} security deposit would apply to my balance which meant I would not receive it back. I informed the representative that I was okay with that and was under the impression my account was closed. XXXX Bank has been reporting to my credit for years that my account closed on XX/XX/XXXX, because that date does not work in the companys favor, I am expected to take the loss for your company to drop the ball. XXXX XXXX had IT look into why XXXX has been reporting to the credit bureaus that my account closed on XX/XX/XXXX, and when speaking to her on XX/XX/XXXX, she stated IT could see something happened on XX/XX/XXXX, but didnt know what happened on that date. XXXX could not pinpoint what happened on that date and has no factual evidence of what happened but only a date embedded in your system she stated it could be changed to XX/XX/XXXX. As you can see, nothing is consistent with the information that has been told to me. The previous representative XXXX informed me that she could see where the account was closed on XX/XX/XXXX, so where is the disconnect coming from? XXXX XXXX informed me that XXXX closed my account on XX/XX/XXXX, because of a lack of payment and activity. Once an account is closed, the system triggers the deposit to apply to the balance within 24 hours. I asked her how it was even possible when the billing statement says the deposit was applied on XX/XX/XXXX. Her response was the system probably generated a generic date but, in her response that I have attached to this email, she stated my account was closed on XX/XX/XXXX, and the deposit was applied on XX/XX/XXXX. Please reference ALL calls for evidence.

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 2021-01-28
Company: Paypal Holdings, Inc
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made an online purchase to XXXX 's in the amount of {$24.00} on XX/XX/XXXX. Anytime I make an online purchase, I use my Paypal account and use my PayPal credit card to make the purchase. I triple confirmed that is the account I used to make the purchase and it was. Today, XX/XX/XXXX, I look at my bank account and see I am overdrawn almost {$43.00} due to PayPal putting the purchase through my bank account and the bank charging me {$30.00} for a NSF fee. I never authorized that. I triple checked the funds available on my credit card to make sure I had the funds to cover the purchase and I did. This is the second time this month it has happened. I was looking at my transactions on my PayPal account and discovered the authorization on the XXXX was Cancelled! I contacted the credit card company and they informed me, and assured me, it was either PayPal or the merchant that cancelled it, not the card company. I have contacted Paypal and they put the blame on me that I have my settings as prefer my bank account. I do IF i do not have the funds to cover a transaction. There was no reason for the transaction to go through my bank. If I wanted that, I would have chosen my bank instead. I did not have the funds to put it through my bank hence I used my credit card. They are not helping me at all. They are still placing the blame on me and how I have my settings. This is not how you treat customers during a pandemic when they have no funds coming in and are trying to survive on the little money they do have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2022-09-12
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX INT Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Employer XXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NV
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 recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1500.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2022-10-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since opening my first credit account more than 4 years ago, neither me nor any lenders have been able to access an Equifax credit report under my information. On Tuesday, XX/XX/XXXX, I faxed requested identify verification information to Equifax which I was told was required to lift a security freeze on my account. On XX/XX/XXXX, I provided the same information again via phone/email as Equifax was unable to locate the fax. After Equifax received the requested documents, I was informed by the Equifax representative that there was never a security freeze on my account but that Equifax could not locate any credit history for me. This is despite the fact that I currently have 7 active credit accounts with lenders including XXXXXXXX XXXX XXXX XXXX XXXX and XXXX, and all 7 active accounts are currently reflected on both my XXXX and XXXX reports. Neither I nor any lenders have had any problem accessing my XXXX or XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Paypal Holdings, Inc
State: CA
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 hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe this limitation to be a result of an unfortunate misunderstanding, as I am confident that I have not violated any of PayPal 's policies. 

I have been a loyal PayPal user and have always prioritized adhering to the platform 's guidelines. As such, I was both surprised and dismayed to discover that my account has been permanently limited. I genuinely can not recall any instance where I might have breached PayPal 's terms of use. 

I kindly request that PayPal consider re-evaluating my case. Mistakes can occur, and I believe this situation may be one such instance. I am more than willing to cooperate and provide any information necessary to demonstrate that my account has been unjustly restricted. 

I implore you to conduct a thorough investigation into the matter. I am confident that this examination will reaffirm my commitment to PayPal 's policies and demonstrate that the limitation was enacted in error. 

It is my sincere hope that, upon reviewing the relevant details, PayPal will see fit to reinstate my account. I am invested in this platform, and the loss of access has had a significant impact on both my personal and financial activities. 

I appreciate your attention to this matter and your consideration of my appeal. I eagerly await your response and hope for a resolution that will allow me to resume using my PayPal account without any further hindrance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My landlord sent baseless debt of {$370.00} owed to the debt collection agency on XX/XX/XXXX. The debt is under my name and two others. The agency never sent me any written information about the debt. They claimed to have sent letters, but sent them an old address when I already updated them with a new one. They claim I never did that. They claimed to send emails, but I never received the emails. They said they sent the emails from a different email address than the one I emailed them with. I have called multiple times, and sent documentation to dispute debt via email on XX/XX/XXXX. When speaking with them on the phone, they pretended I didn't send a dispute. I recorded this phone call with their permission, and this time they let me send a second dispute. I called many times asking about the dispute, but never received anything in writing. I sent documentation with the dispute. On the phone ( XX/XX/XXXX ) they told me that the documentation was not sufficient to dispute the debt. They have not sent written notice or advised me on how to challenge this debt in small claims. They stated that they are the only agency that can dispute a debt, and they are a fair third party. The agency has not provided the documentation from my landlord that they claim validates the debt. I do not understand how this debt is valid, and I have not been given written and concrete information about the debt.

Company response to consumer: Closed with explanation