BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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: In progress
Consumer complaint received 2023-03-10
Company: NAVY FEDERAL CREDIT UNION
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 Navy Federal Account has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer must furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NY
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:
Dear CFPB, I'm an XXXX XXXX military member and recently discovered unauthorized inquiries and accounts on my credit report due to identity theft. I've disputed with credit agencies, but seek your expertise for a swift resolution. Your help is crucial in maintaining my financial security. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 2 fraudulent checks in the amount of {$4000.00} & {$4900.00} from XXXX was deposited at Bank Of America ATM in Maryland. I called Bank Of America to do a claim due to I did not make these deposits ... claim # XXXX was open and I am a XXXX XXXX never been to Maryland. after 30 days I I was notified by mail that my account was closed and I am liable for the fraudulent checks. I did a appeal and received the same notice stating I was liable. Upon calling i was advised that I can not open another account for 7 years. I asked was a full investigation was completed and I was advised that I should file a police report. Bank Of America didnt try to help me at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.

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 2022-01-27
Company: DISCOVER BANK
State: RI
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:
bought 2 cameras recieved they were not working, tried to find out persons address thru XXXX  unsuccesful disputed charge with discover credit card company as i used that as payment. discover denied my dispute and closed dispute. i called discover several times spoke with XXXX and XXXX in customer service no help asked to speak to a supervisor they guaranteed a supervisor would call me in 24 hours they never called. i asked that my dispute stay open so i can send the damaged cameras back to seller as atleast XXXX  after several calls gave me address. discover basically told me waste of time as my dispute is closed. discover says you are protected when you use there card no protection and get the run around and tell you basically your out of luck. i am stuck with damaged goods and no recourse to get refunded my XXXX dollars from discover card in XXXX XXXX XXXX utah. this is unfair business practice and fraudulent. i recieved damaged goods and have to pay for them with no recourse from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/23 : I contacted Comenity Capital Bank to request direct deposit of my {$320.00} earned cash back rewards. Spoke with XXXX. 

He then conferenced in XXXX, who asked me to verify my cell # so she could send a confirmation text. She then stated " it wouldn't let her send the text '', with no other explanation, and then said the direct deposit could not be performed. I asked her and XXXX to identify how Comenity planned to resolve, since i was able to receive text messages and was, in fact, speaking to them on that phone number. 

XXXX referred back to XXXX, who said he would consult a supervisor and XXXX left the call. 

XXXX consulted a supervisor who refused to speak with me, and said he was told I would have to call back on Monday. I said that was not acceptable and I asked to speak with the supervisor. 

After much back-and-forth, XXXX referred me to a different supervisor, XXXX, who stated there was " information they could not verify '', but he " couldn't tell me what it was. '' I was told I would have to call back Monday and XXXX can resolve it for me then. 

I believe Comenity is refusing to disperse my earned cash back reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Bread Financial Holdings, Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi, my name is XXXX XXXX. In XX/XX/2019 through the people of port and shopping for XXXX XXXX I visited the store called XXXX XXXX. Since I entered the store this people push me to buy something I can't afford. The sequence of events are the following : 1 ) I told them I didn't make a lot of money because I'm a XXXX that works in XXXX XXXX and that my annual income was XXXX a year ; but they kept asking me personal information, I told them that I didn't have any personal ID, then they told me if I have a picture of any ID and I told them I had my passport number, then I gave them the number. Then after a few minutes they told me to go to a room and handle me a phone, it was a lady that spoke XXXX, and then this lady also started asking me personal information, and I gave her my social security number. Then I returned where my husband was sitting, and after a few minutes they told me the ring for XXXX dollars is yours I could not believe it, I never filled out any credit card application with the terms and conditions, I never gave them any valid photo ID. They never gave me any paper or application to look, they never told me any interest rate. I never knew I was being qualified for a credit card to buy the ring. I never signed any document to apply for this credit card. Then they gave me a bottle of champagne and told me to return later, then they had a paper that told me to sing, but they kept the paper in their hands, they never gave the paper to me so I can read it and because I was tired and hungry and she was kept pointing me where to sing, I signed it without reading and resulted, i twas an invoice for the purchase of the ring ; but they either gave the invoice to me, they also kept it .Then inside of the ship at XXXX XXXX  XXXX who works for port and shopping for XXXX XXXX called me and he told me to go and pick up the ring, because I bought it. I couldn't believe it. I had something I can't afford to pay. Since the next day I put a claim on board against the store, but they said they could not do anything because any return has to be done in XXXX XXXX if the manager approve it. I had spoke to the Comenity Bank and put a claim, I had spoke to XXXX that works for XXXX XXXX and put a claim and to XXXX, XXXX and XXXX that work for XXXX XXXX and also put a claim. XXXX the customer service manager for XXXX XXXX said that he was going to see the store footage from that day ; but I am still waiting. I also put a claim in Comenity Banks, but they didn't care for XXXX  Credit Report because they knew since the beginning that probably I had the credit score ; but not the capacity to pay $ 500 monthly. This bank didn't has a location to visit everything has to be done through the internet or by mail and XXXX XXXX Headquarters located in XXXX XXXX didn't accept public visits. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The inquiries listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These inquiries were not authorized by me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from 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 XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am so tired of XXXX XXXX  harassing me over a debt a dont owe. Charges were unauthorized through a XXXX XXXX XXXX XXXX overdraft checking account. I am currently under the care of my XXXX  and XXXX  The unauthorized charges occurred while I first started receiving XXXX years ago. I was hospitalized for months and XXXX after XXXX and XXXX XXXX XXXX XXXX was aware. I couldnt even XXXX so I could I make purchasing. I am still under the care of my XXXX  and I have XXXX XXXX XXXX  and still receiving XXXX. I am XXXX and you all want to harass me over a debt that I didnt create and a debt you all dont own. I dont mind going to court. My doctor told me not to worry about XXXX XXXX and not to let them stress you out. She stated you are under my care and if I have to intervene she will if they dont stop harassing you. Please mail out the papers certified so I can give my doctor a copy. I am so tired of this company. This company is interfering with my health and treatments. And it has to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
About five minutes ago, I called Experian to report previously-reported inaccurate information. After being on hold for 27 minutes, the representative answered. I conveyed that I wanted to dispute information reporting incorrectly and advised that I was on a recorded line, the representative stated that she did not consent to the recording. I, the consumer, in turn conveyed that I did not consent to being recorded. 

I told the representative to hold on ( so that I could stop the recording and continue the call un-recorded ) and the representative said, " thank you for calling Experian '' and hung up on me. 

I never did get to make my dispute for the inaccurate information. The report number I gave her was 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 2023-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX credit file. 
XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
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 have sent debt validation letters to the following companies : XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX, LLC ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), and Merchants Adjustment Service ( XX/XX/2021 ). 

XXXX : Has not provided proper validation of the debt owing to me XXXX : has not responded XXXX : has not responded Merchants : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: IL
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 withe the Fair Credit Reporting act. The List of accounts below has violated my federal 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 XXXX XXXX XXXX, XXXX 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 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 explanation
Consumer complaint received 2023-01-22
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management is in violation with a collection account amount increase. No collection accounts amount owed can increase. This has happened several times. Ive reported this on several occasions. Every time I report on this collection account. The collection amount increases on XXXX Credit Report. This account was removed on XXXX and XXXX Credit Reports. I have a recent complaint about this account. Now, a few days later. This collection account on XXXX Credit report. Has increased again. I know a collection accounts amount can never increase. This is a clear violation of FCRA. Why hasnt the CFPB? Done something about these clear violations by Midland Credit Management?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One incorrectly sends me financial statements for someone else at my XXXX email account. I have no banking relationship with Capital One and I do not desire one. 

I phoned the bank and spoke to XXXX and Supervisor XXXX at Capital One 's call in number of XXXX or XX/XX/2018. I was told they were unable to do anything to remove my information from their systems but that I should email XXXX for further assistance. 

I have received a same-day acknowledgement on XX/XX/2018, but no follow up in 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Did a transaction on XXXX, call the bank to stop transaction Wells Fargo still allow transaction to go through. I was scam outta {$950.00}.. I still haven't received my money back yet .. customer service was so rude

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 2018-06-05
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Attempting to be added to the current Navient class action CFPB v. XXXX XXXX, Navient Solutions , Inc., and XXXX XXXX XXXX XXXX. ( collectively defendants ). 

Navient is accused of unlawful acts and practices in connection with Defendants servicing and collection of student loans. Please add me to This CLASS ACTION suit, Navient is the Servicer of the loans listed below ( Loan type, school attended, original amount, principal balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL OUTSTANDING BALANCE OF LOANS THAT NAVIENT SERVICES : {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Through my wife and my joint account with Chase bank, we are being hit relentlessly with insufficient fund fees, which has caused mortgage payments to be missed and further late fees associated with paying our mortgage. We get charged by our mortgage company every day our mortgage is paid late. I paid a mortgage payment today and had to pay an extra {$100.00} for late fees with them. It is becoming increasingly hard to catch up as Chase continues to take {$34.00} insufficient fees out of our account, leaving us constantly overdrawn. 

In the first 10 days of XXXX already, Chase has taken out {$340.00} in insufficient fees ( see attached download from Chase bank joint checking account ) In XXXX, insufficient fees were {$2100.00} and in XXXX, {$1000.00}.

Company response to consumer: Closed with monetary relief