BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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 XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my permission or consent of acknowledgment. 

XXXX XXXX XXXX XXXX XXXX XXXX/account status OPEN/ XXXX $ XXXX XXXX XXXX / Account Status OPEN/- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Service/ Account Status OPEN/ XXXX XXXX XXXX XXXX XXXX Account Status /. OPEN - XXXX XXXX XXXXXXXX XXXX- PAID IN FULL / Account Status Open/ 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 2023-08-15
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management is 3rd party to XXXX XXXX  treating to put lies on my property and 8 yes add another one. Tried contacting XXXX XXXX # XXXX no answere several times was given this phone number from Midland Credit Management. The statement shows several different amounts, XX/XX/23 XXXXcurrent balance XXXXXXXX pay off XXXX..original XXXX credit card balance. Only received email today XX/XX/23 from XXXX XXXX XXXX collections with different contact number to collect this debt. I'm disputing this debt due to all this financial harassment abuse toward an elderly woman. Thank You XXXX XXXX MCM Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 non-monetary relief
Consumer complaint received 2022-10-05
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX i logged into online banking and noticed 2 accounts that were not mine. I called the bank to report it and they were gone. I thought it was an error and everything was done. Fast forward 3 years later.. In XX/XX/XXXX the bank of oklahoma started debiting my open checking account that I have had for years and when I contacted them they said it was an offset of funds due to the 2 accounts that I opened and had charged off 3 years ago. THEY WERE FRAUD. not something that I opened. I have been in contact with the bank for 3 months trying to get this taking care of. They are treating me like a criminal and keep saying they determined that it was me. They will not provide any proof that it was me such as a signature card or the funds it was opened with etc.. I have no information on it because i was not me. I recently was told to file a police report when i noticed it was on my credit report but they are just dismissing my police report too. I need help with this. I get {$710.00} a month social security and I should not be paying for something that I did not do and nobody at the bank will listen or help. It is only around {$200.00} but I dont want to pay {$1.00} for something I didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I filed a complaint in XXXX of 2019 with my Attorney General ( XXXX XXXX ) about this inaccurate account XXXX XXXX  {$4100.00} on my XXXX, TransUnion, and XXXX My XXXX number is : XXXX and his address is XXXX. XXXX XXXX XXXX, California XXXX After their investigation these accounts were removed, but has resurfaced on my credit file as of XXXX, kindly have the credit bureau delete the inaccurate account from my credit report, because it's causing financial hardship as I am not able to acquire new credit.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion Consumer Relations, has allowed the company XXXX to check my credit 3 times without prior permission from me. I have block/freeze/plus additional blocks on my credit report. XXXX has checked my credit 3 times in the pass three years, This is not normal behavior for companies to check your credit 3 times in three years. None of my other creditors has done this. XXXX has done this with out my prior permission. There is suppose to be a statement on my credit reports that companies has to call me before they check my credit, but TransUnion allowed them to check my credit, evidently TransUnion did not place the freeze/block on my credit report. It says there is a block on my credit but XXXX got into TransUnion credit reports and checked my credit 3 times, once in XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Why?????? 
Why was this? apparently there was no block on my credit, but they have me blocked out from viewing my credit report or doing anything else about my credit. They allow others to access my credit. I founded this out through Credit Wise/TransUnion . TransUnion does not treat their customers fairly. They need to treat consumers the way they want to be treated This is not fair to any of us.

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 2023-08-20
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Experian Information Solutions 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 have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX. 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX acct # : XXXX Amount : {$580.00} XXXX XXXX  acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

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 2023-12-28
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Penfed checking account online in XX/XX/XXXX 2023. I provided all the necessary documentation that was asked of me at that time. In first week of XX/XX/XXXX2023, I found out that my account was locked. I did not receive any communication and I only got to know this because my online access was locked. I contacted the customer care on XX/XX/XXXX23  and they told me that my account had been flagged by the fraud services team and I needed to submit documents online to unblock my account. I submitted the my social security card, drivers license and utility bills as asked by the Penfed customer service. I called customer again on XXXXXXXX23and  this time I was told that while they can confirm that they received all the documents I uploaded, they cant unlock the account since only fraud services team can do it. They refused to transfer my call to the fraud service team. I called again the same day and I was told by another agent that the online document upload would not work as I have to respond to a letter sent to me by mail. I told them I never received a letter. They refused to give me any further information and told me that the account would remain blocked. I As of the date of writing this complaint ( XX/XX/XXXX23 ), my account is still blocked. I have not received any letter from Penfed or any other communication regarding my account. It is outrageous that I am not able to use my account despite providing all documentation they have requested of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Diversified Adjustment Service, Inc.
State: MO
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:
I sent a letter via certified mail to Diversified Adjustment Services in response stating I owed a debt. I asked for validation of the said debt, explanation of the debt via. I never received a response from the company. I sent a second letter via certified mail and still did not receive anything. Diversified Adjustment Services has now put a collections note on my credit even though I still don't have any validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: JPMORGAN CHASE & CO.
State: WI
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:
trouble with Chase Visa CC XX/XX/2019 stmt had chg I thought was not correct. I notified Chase and they took chg off my acct. A few days late I realized chg was correct I mis read XXXX  as XXXX  and I knew I had not purchased anything from XXXX  a clothing store.I notified Chase right away and they put chg back on my acct. In the meantime XXXX sent me a bill for the items I purchased from them. I called Chase and asked what should I do? They said pay XXXX  direct and pay Chase the bal due on the stmt. I wondered if Chase had paid XXXX the amount they put back on my acct. I called XXXX to find out.. they had not recd any pmt from Chase. XXXX had recd my pmt so my bal was XXXX with them Chase refuses to clear my acct of the XXXX chg I paid direct to XXXX  on the direction fo Chase!! I have called Chase several times and sent them copies of the check I paid to XXXX TWICE.Its now XXXX and the chg is dtill on my acct. Can you help????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
i called capital one last month on XX/XX/XXXX to tell them my {$81.00} payment would be a few days late as i was receiving a payment on an odd week. I recorded the call for my records, just as the agent stated the call would be recorded. The agent told me the late fee would be waived and she would be make a note on my account. Five days later I made the payment. i then called, and the agent reversed the late fee. I also enrolled in the payment assistance program for ninety days as I am in between jobs and waiting to start a new position. I agreed to make the payment of $ XXXX   monthly as this is what i can afford for the time being. I received a letter in the mail confirming my enrollment in the payment assistance program. I checked my account online and saw that it was in past due status. I waited a few days assuming maybe it takes them a couple of weeks to rectify the account status. Today, XX/XX/XXXX, i was about to make a payment and noticed the balance is still {$100.00} and my account is still in past due status. I called capital one and spoke with an XXXX ( operator ID : XXXX ). After sitting on the phone for XXXX minutes in dead air while he researched my account, he could not find a reason for the past due status. So, he stated he had to contact a Senior Agent. HE came back to the line and stated my account was put into past due status because my payment was {$2.00} short. I went ballistic. My payment has never been short. I agreed to {$81.00} per month, THAT IS ALL. Why would i go online and make an {$81.00} payment if the balance said {$83.00}? That doesn't make a bit of sense. Why would I agree to pay {$81.00} per month if it said {$82.00}? My payments have never been late, I have always made them on time and full the amount due. He then transferred me to XXXX ( Operator ID : XXXX ), a senior agent. She stated she had to submit a request to have my minimum reset back to {$81.00}, and the request takes 7 to 10 business days. She didnt know what the adjustment would be. So, to ensure there are no late reports, I made a payment today of {$84.00}, which includes the {$2.00} they claim I didnt pay last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Navy Federal Credit Union has been charging me NSF fees frivolously for the past 2 years starting XX/XX/XXXX. 

I have in the past let the issue go, and just ended up paying. However I have had major hardships in my life that has caused me to run out of funds and I could not catch up to all the back to back NSF fees that they are charging me. I have stopped using my debit card and checking account when I saw that my account was at negative {$80.00} in the middle of XX/XX/XXXX. I have been in contact with NFCU and ask them to please help me and not charge me since NFCU did not lose any money and the merchant did not lose money as well. However the constant charging my already negative checking account just kept on happening. 

So to this date my account is at NEGATIVE {$450.00} all because of NSF fees. Please see the bank statements attached.

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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One mislead me and mislead me in the past see attached screen shot stating offers with no credit pull PRE QUALIFIED overtime I got baited and switched, they pull a inquiry and this is not right Capital One basically opening up small credit lines three different accounts with small XXXX dollar credit limits, I requested to take all my credit cards and give me a small line of credit on one card they pull more inquiries as I have been a long time customer with no late payments they have basically failed on there end and use many excuses to many inquirys THIS IS FALSE ADVERTIZING AND IAM DISPUTING AND ASKING ALL CREDIT PULLS TO BE REMOVED FROM INQUIRY LIST in the past I shut down a XXXX dollar credit card not knowing it damaged my credit because of there bad faith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX There was a notification letter sent to my daddy 's address which I used to stay at back in XXXX & XXXX and I don't have any recommendations of owing a bill to this XXXX XXXX  because at the time I was staying there I was signed up in college taking online classes so ( ICU ) XXXX XXXX XXXX, and also I had it transferred from my old address XXXX XXXX XXXX XXXX XXXX, NC XXXX to my daddy 's address which is XXXX XXXX  XXXX XXXX XXXX NC XXXX. And I wasn't aware of and money 's that's was owed because I never received a bill of any kind what so ever. Plus I was getting government assistance paying my Internet bill and when I move out from my daddy 's I called them and told them to disconnect my Internet, so I don't feel like XXXX trying to get money out of me for no apparent reason, and this is the second time this has happened. And they never send me a bill it's always a notification of collections and I'm sick and tired of it. So if you guys can't handle this situation then I will talk to someone who can handle this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: Netspend Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Netspend issued a credit card to my XXXX XXXX XXXX son. When i called them they stated that they were just marketing and that is why the card was sent. They stated that his information was pulled via his public records. I told them that he is XXXX XXXX XXXX, he does not have public records.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Overdraft fees account freezing transfer fees deposit fees close my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation