BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
Received a call from an Experian Representative on XX/XX/2020, stating that although they obtain third party information they do not actually verify whether or not that information is correct prior to it being put on consumers credit reports. The representative stated to me that they do not know how XXXX verifies their information. So, why is information obtained from third party vendors allowed to be put on consumers credit reports without proper verification? Which lets me know that they never actually verified the bankruptcy that I am disputing prior to me opening a dispute about. The only way that I know they verified the bankruptcy afterwards was because the representative called the court while I was on the phone. Experian failed to do their due diligence initially in making sure that this public record was mine. The source who they say they verify through ( XXXX XXXX has deleted this information from their records, so should Experian. Otherwise the information that they send to consumers IS A LIE. They do not verify and information with XXXX, they just put it on your credit report whether or not its is valid, which is a violation of the FCRA. 

This company violated my rights as a consumer by calling the courts to verify my bankruptcy. THIS IS AN ILLEGAL ACTION. Since the credit bureaus are not public entities they are not allowed to call the credit bureaus to obtain that sort of information. The credit reporting agencies are not allowed to check XX/XX/XXXX or contact the courts to verify bankruptcies. Therefore, Experian has committed an illegal act and I am considering litigation for violation of my rights as a consumer. 

Your method of verification for the above mentioned bankruptcy can not be verified, since XXXX was unable to verify it and subsequently deleted it. I demand that this public record be removed from my credit file IMMEDIATELY or there will be further legal action taken. 

I have proof that they have removed other consumers bankruptcy after having XXXX remove the bankruptcy from their system and I have proof to show it and I will be using it in my litigation proceedings against Experian for their illegal activities if they do no remove this bankruptcy immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
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.

has violated my rights. Or a list of inquiries : 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 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank is charging overdraft fees even if there are funds in the account. This has been multiple times each month. Even though I call to complain nothing is done to help or give the accidental overdraft fees back as a refund.

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 2020-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital one has never notified me of my right to dispute the validity of this alleged debt pursuant to 15 usc 1692g, and they also never disclosed to me that they were a debt collect nor that their communications were an attempt to collect a debt pursuant to 15 usc 1692e. ( 11 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I received a letter from XXXX by XXXX XXXX on XX/XX/2019, the letter stated they was unable to extend credit to me. One of the reason was that I had a number of accounts delinquency. According to the report they received from TransUnion. I wrote TransUnion on XX/XX/XXXX, to question that information, because I had a copy of my credit report, which I receive in XX/XX/2019. I check my report and score each month I have a 100 % monthly payment rate each month. There is nothing delinquent on my report. As of this date TransUnion has not responded to my letter. I called today, after being on hold for 15 to 20 minutes each time, I was cut off one time and then the second time the person said they could not hear me. I was calling from my landline phone. Everyone else I call can hear me. My credit score recently went down because they stated I had too many open accounts. That I dont understand. Im paying each month. I do not have anything on my account that is delinquent. I would like an explanation. 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 2023-03-24
Company: AMERICAN EXPRESS COMPANY
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:
I have an American Express Reserve credit card that allows me to choose to not pay in full every month. If I do not, then AMEX can charge me interest. My complaint is that AMEX does not allow any time, after the billing cycles ends, for me to fully pay the balance before they send a balance to the credit agencies. 

Example : my billing cycle ended XX/XX/2023. I made an on-line payment the next day and it credited my account on XX/XX/2023. Yet, they reported to XXXX, on XX/XX/2023 my full balance! Even though I paid it the next day and actually have until XX/XX/2023 to pay without any interest penalty. This " balance '' will now sit in my credit score for the entire month, until AMEX does the exact same thing the following month. With this practice it will always show that I'm carrying a balance that I may not if I made a payment the day after the month closed. AMEX customer service answer today was, " well, you could always make a payment before the billing cycle ends ''. Well of course I could - that's not the question. Why can't AMEX wait a reasonable time period to report a balance to the credit agency 's. 

Why is AMEX allowed to send a balance to the credit agencies without first allowing the customer to pay off the balance AFTER the closing date, but before it's deemed " late ''? 

My monthly AMEX balance is so great that this practice is taking my Credit score below 800 - costing me a higher loan rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020, I awoke to a " XXXX '' window screen that stated I needed to call a certain number. There were loud beeps emitting from this window which I could not control, so I called the number on the screen. A computer tech answered and said he would proceed to fix the the hacking problem. An hour and one-half later, he said my banking accounts had been hacked and transferred me to a supposed USAA Fraud Officer, XXXX XXXX, XXXX. XXXX reported that three unauthorized transactions against my USAA bank account had been initiated in the amounts {$4200.00}, {$4900.00}, and {$5300.00}. When I asked Miles why USAA couldn't stop these transactions, he said they were " in process '', USAA could not stop them that I had to move money from my checking account into gift cards to reduce the account so the transactions would bounce. XXXX directed me to purchase {$3000.00} in gift cards. XXXX and the hacker team took possession of the {$3000.00} gift card amount. 
I filed a XXXX County Police report XXXX, and an FBI report of hacking and fraud, plus an FDIC complaint. While USAA states that they have liability coverage for fraud, USAA dismissed my case and said that I was an actor in this fraud and could not be compensated for my loss. 
USAA is seen as a bank for the military. I awoke on XX/XX/XXXX with a XXXX XXXX. I am a XXXX vet, with a 50 % mental health XXXX. I also teach online for XXXX XXXX  and happened to have an online class later that day so I wanted my computer to work. I have been a USAA customer since the early XXXX with multiple accounts with USAA. It appears to me that USAA should provide coverage for this loss and restore my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Personal information incorrect

Complaint:
I have constantly reached out to Experian to get my information updated correctly and Experian constantly sends me letters with the excuse that I am not a real person and I have not requested the recent changes. Via the CFPB I wish to have inaccurate addresses removed as they do not pertain to me in any way.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX Transunion and XXXX fail to provide debt validation, upon reinvestigation debt came back verified again according to Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists in which i was not provided any evidence which means no factual investigation took place Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

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 2019-08-12
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My PayPal account was cancelled and I dont know why. Listed in the generic statement I had activity against their policies. I tried to find out what I did that was wrong. Run around and no answer. Never have I learned how I have violated any policy. One day my account worked and the next it didnt. I still receive email advertisement from PayPal so I dont understand. I use my account to send money to family and online shopping and think PayPal adds a layer of protection to my actual bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I called TransUnion and XXXX on XX/XX/2018 about some unauthorized inquiries on my credit report that I didn't authorize and asked both credit bureaus to be remove the Inquiries. TransUnion refuse to help or remove anything. TransUnion told me to contact the creditors and to file a police report and fax a deletion letter from the creditors. I contacted the creditors. I also informed them that the Inquiries were unauthorized and I didn't give any one permission to pull my credit. XXXX let me dispute the unauthorized inquiries and waiting on the results. I a fraud alert on my credit report with XXXX  and XXXX. TransUnion refuse to put a Fraud alert on my credit report. I've file a police report and faxed the info in to TransUnion as well but the credit bureau refuse to help me with unauthorize inquiries. The Inquiries are making my credit reports seem like I'm begging for credit when I'm not. The Inquiries are damaging my credit report.

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 2021-08-10
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:
Yesterday XX/XX/2021 I contacted Equifax via telephone to remove unauthorized inquires on my credit report. The agent refused to, which is a violation of my consumer federal protection rights. Equifax is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2. I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now. Additionally I advised the agent at Equifax that I filed a FTC complaint and faxed it over however the agent still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
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 168XXXX XXXX  XXXX XXXX  XXXX, exprian, XXXX Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-06-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mobile deposited a check on XX/XX/XXXX, the Chase app said I would have the money the next business day. XX/XX/XXXX came and the mo ey still wasn't released so I called chase Bank and they told me the money would be released at midnight of the XXXX. Now it's the XXXX and the app says I won't have access to my money until XX/XX/XXXX even though the representative said I would have access to the money today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identy has been used to open credit card accounts .This is fraud and i have notified the origional creditors of this fraudenulent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: U.S. BANCORP
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX of XXXX XXXX fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX XXXX XXXX credit and offer to match the financing through XXXX of XXXX months at 2.64 % and XXXX XXXX   XXXX XXXX at XXXX XXXX submitted them anyway.

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 2023-01-21
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 fair credit report act. The list of accounts has violated my federally protected consumer right to privacy and confidentially under 15 USC1681.

1 ) XXXX  XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX Of MO  # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX # XXXX 7 ) XXXX XXXX  # XXXX 8 ) XXXX XXXX XXXX  # XXXX 9 ) XXXX XXXX # XXXX 10 ) XXXX XXXX # XXXX 11 ) XXXX XXXXXXXX # XXXX 12 ) XXXX # XXXX 13 ) XXXX XXXX XXXX  # XXXX 14 ) XXXX XXXX XXXX # XXXX 15 ) XXXX XXXXXXXX XXXX # XXXX 16 ) XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights 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 following items of information 's, any other adverse item of information, other than records of conviction of crime 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 reporting agency if the person knows or has reasonable causes to believe that the information is accurate.

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 2019-10-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got this pay day loan 2 years ago.I don't remember the exact amount of the loan. He said its {$970.00}! I started paying it back on my own, then I started paying it back through this company called XXXX XXXX XXXX! Then all in a sudden they stopped paying ACE ; with no notifications to me. Than XXXX XXXX Investigative Officer of ACE started contacting me by email ONLY! No phone number. & demanding that I pay {$200.00} bi weekly on a prepaid debit card! I put the money on a XXXX card so that I'll be able to track it! Now I get emails stating that I have to purchase a XXXX XXXX  card INSTEAD! Keeps harassing me telling me that if I don't get this payment that ALL my wages will be garnished! I'm starting to think that this may be a Scam because of his PERSISTENCE!!! & truthfully I think I already paid off this debt! I NEED some help! I don't know if this is REAL or not! Please help me.

Company response to consumer: Closed with explanation