BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im a new banker at Bank of America I went in to deposit money into my account and I experienced race discrimination it was two lines one for business and one for personal it was no teller at the personal line so I went in the business line I was called to the window and the teller happen to be a XXXX woman Im a XXXX XXXX woman she says to me this is a business line personal is over there I said so you cant help me?? She says this is for business only so I was fine with that but as Im walking away she call the next customer which happen to be a XXXX  male that has a personal account just like me and she helped him with no problem I then asked for the manager I was pointed to her and approached her about my experience she didnt apologize or anything the manager said the bank teller helped the male that was behind me with the same account that I had the rules should apply to everyone I had to go out the line after waiting 20 to 25 minutes with 4 people in front of me which mean more time waiting the manager co signed on a employee XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was showing $ XXXX and a check was deposited im my account. This is truly the practices found to be unlawful by CFPB examiners in the areas of deposits. I have a message that the check was deposited XXXX22 yet its not showing in XXXX account and not even in pending deposits and 2 items was returned and more NSF added to my account. I wrote about this early this week because I deposited the check sunday in the atm and was not credited the {$250.00}. my insurance dropped my coverage because the transaction was declined. They will not reinstate my policy and now I have to find new auto insurance and qouted a way higher amount. the 2 items that was return XX/XX/2020 addind late fees and negative credit reporting. This is a major issue, also taking the last money that I had in my account to make a small partial payment to a NFCU credit card and previously taking it from my daughters account. it happened again with my XXXX mobile phone payment it was returned and now my payment history will be affected and phone was be cut off. Charging a reconnect fee each line, NSF fee and late from XXXX and the fee from NFCU. So thats over {$100.00} or more in fees because of NFCU. Plus the other 4 payments that was returned. Utility bills and credit cards etc. Not just NFCU fees. This is a major issue that is affecting my life. Predatory practices with NFCU credit cards. Ive experienced abusive lending practices with my credit cards with NFCU. Payments made to the my credit card accounts for over 2 years barely affected the balance. Payments that are late, NFCU will take unauthorized funds from my XXXX accounts. NFCU also withdrew unauthorized funds from my XXXX XXXX XXXX daughter XXXX account to make a payment as well. My daughter is a minor and not a authorized user or account owner. While making payments to get the outstanding balances down, NFCU unknowingly closed my credit card accounts. I was unaware until a transaction was declined while I was purchasing with a merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
so I have the quest united card. They have cutoff time on the XXXX of XXXX XXXX est apparently I have made my payments literally all within 8 to min after and it is still the XXXX here in Utah. the company hold my payment and posts it on the XXXX and keeps making my payment late and charging a late fee. If you can to my last maybe like 5 to 6 of them all of them are maybe 7 to to min after on there side posts like XXXX to XXXX. This is ridiculous and I dont agree with these late fees at al and the again this last one they are dining for which they refuse too remove apparently posted at XXXX which is still XXXX Utah time so it is still the XXXX this cut off is ridiculous and you should be to still pay on the same day up to eastern time your own time this cut off is unfair and I dont feel this late is warranted at all all these payment going to even the last year half have all been on the XXXX but considered on the XXXX because of there systems not being able to post a payment on the same day and I am still making them on the same day I talked to 2 managers and none of them would help me get my last XXXX back I really feel they are being unfair with this and I want my last XXXX fee back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received blank checks in my name from TD BANK on XX/XX/2022. I do not have an account with TD bank. TD bank closed the account and reported it as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2021-02-01
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
( 1 ) XX/XX/2020 {$410000.00} Charged, My local store ( 2 ) XX/XX/2020 {$4300.00} Charged, another city, same state, same box store ( 3 ) XX/XX/2020 {$4500.00} Charged, another state, same box store ( 4 ) XX/XX/2020 {$5100.00} XXXXharged, same state as ( 3 ), same box store ( 5 ) XX/XX/2020 {$3000.00} Charged, same state as ( 3 ), ( 4 ) different city, same box store Could not identify any of the above charges. I went by the store and was told i had to take this issue up with the Credit card host. 
After I received the the regular invoice and noticed the scam called and went through 2 levels of agents and was told they had tried to call me about the charges. The agent confirmed my card had been hacked and my phone # had been changed, address changed and my code question changed. My call was the first call to alert them of the discrepancy. The agent even said there had been a phone in payment for {$16000.00} on XX/XX/2020. The payment had been canceled due to lack of funds? I canceled the original card and was sent a new card. I received invoices for both cards for several months and I continued calls and was told this is typical. It was confusing Received papers to identify ( 4 ) and ( 5 ), but those were the only 2 of 5 charges. Multiple calls later and every time having to reexplain and go through the history, listen to promises and vows of intense investigation I received some credits but I'm not satisfied with the explanation and I'm still being billed for the other charges, accumulated interest and some penalties. 
Always another call and a new agent and more confusion. They have sent all of last years invoices and i have reviewed them and still have questions on cash credits and purchase identification on these 5 charges. What did they find out that confirmed partial credits? 
I have been identifying my monthly charges and making those payments less the penalties and interest listed on the invoices.

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 monetary relief
Consumer complaint received 2021-12-16
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The exchange credit program ( Military Star Card ) https : //www.myecp.com isn't allowing its customers to make more than one payment in a billing cycle. I have attached a screenshot of their error message when an attempt is made to make more than one payment in a billing cycle. My scheduled automatic payment is on the 12th, and I tried to make a second payment this morning, the 16th. They would not let me because they don't want their customers to make payments that wouldn't be subjected to fees and interest like the minimum monthly payment is. They aren't allowing their customers to lower their balances without penalty. Would you please look into this? This feels illegal and as if it is an unfair practice.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 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 2021-12-16
Company: Eastern Account Systems of Connecticut, 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:
See Attached Company and/or it's agent did a hard credit search that should have! 00 % told them that the debt is question was not mine, but they proceeded to place the Notice of Collection on my credit bureau files . Even the slightest due diligence investigation should have been enough.

As a result my credit score has decreased aby XXXX points. 

Although I repeatedly demanded that they remove the collection notice they have not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been reaching out to the creditors on my debt since XXXX. I have sent dispute letters each month since then and have never received a response under the FCRA the creditor has 30 days to respond and remove the item off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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:
The unverified items indicated below are reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-07-26
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 belongs to someone else

Complaint:
There are errors on my credit report. I contacted the lender directly and I was not able to get my questions concerning these errors addressed. XXXX reported on XX/XX/2021 that account was last active. XXXX also reported XX/XX/2021 was the last payment date. XXXX reported last active date was XX/XX/2021 and last payment was XX/XX/2021. Equifax stated XX/XX/2021 account was last Active and on XX/XX/2021 last payment was made. All these errors on my report makes it impossible for me to understand. This is frustrating and has caused me a great deal of stress. Please remove this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
Transunion is still reporting inaccurate information on my credit report after I have disputed this information several times, sending drivers license with correct address information and the police report filed when this happened. I was a victim of identity theft when several accounts were opened under my name and Transunion did not investigate or try to resolve this matter. I am in the process of buying a home and because of this issue I have been unable to provide a home for my XXXX. This is why I want to file a formal complaint against Transunion since XXXX and XXXX have investigated this case and deleted the incorrect information. This is unacceptable and it is my right under the FCRA to have this information deleted from 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 2021-12-16
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I REVIEWED MY CREDIT REPORT AND SEEN THAT AN ACCOUNT IS REPORTING AS A COLLECTION ACCOUNT 0N MY CREDIT REPORT. THIS IS INACCURATE AND IDENTITY THEFT. I HAVE NEVER HEARD OF THE COMPANY BEFORE NOR HAVE HAD ANY BUSINESS, COMMUNICATION OR SERIVCE WITH THEM. I AM NOT EVEN AWARE OF THIS COMPANY AT ALL. THE AMOUNT THAT IS BEING REPORTED IS {$130.00} WHICH I DO NOT OWE BECAUSE THIS IS NOT MY ACCOUNT. I HAVE DISPUTED THIS ACCOUNT WITH XXXX AND XXXX BUT NO SUCCES IN THE REMOVAL OF THE ACCOUNT. I HAVE SUBMITTED A POLICE REPORT AND AFFIDAVIT AND STILL THEY REFUSE TO REMOVE IT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: MI
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:
I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}

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 2023-03-14
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 status incorrect

Complaint:
The 90 day reporting past due on my credit with Dept of EDXXXX XXXX XXXX of 2019 is incorrect.

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 2021-12-16
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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:
I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME XXXX M & M CREDIT  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
There was no reasonable investigation conducted. The credit reporting bureaus did not notify me of the investigation results via us mail.

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