BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: Army and Air Force Exchange Service
State: AE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 I was reviewing my credit report and noticed a negative entry added to my credit report by Military Star Card, stating my payment was late 30+ days with a XXXX past due amount. This information is inaccurate as I have never been late on a payment with my Star Card. In addition to this, it make no sense for a payment to be late with a {$0.00} past due amount. I respectively request for the negative entry to be removed 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 2022-07-31
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} XXXX XXXX  Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For the last few weeks I have been trying to get an ECSI ENTITLEMENT DEFERMENT FORM APPROVED SINCE I AM XXXX XXXX XXXXXXXX XXXX STUDIES AT XXXX XXXX XXXX. XXXX STARTED ON XX/XX/2022 AND I WAS TOLD THE WHEN ASKING FOR A LOAN DEFERMENT BY ECSI chat rep that APU TXXXX XXXX XXXX XXXX will electronically notify each of your participating lenders within 10 business days of being updated. 

I would have to fill out a XXXX XXXX XXXX XXXX XXXX XXXX Request Form and have a school official sign it as well. I have filled out several of these forms and ECSI won't approve them with a new error each time. The first one was because I had a graduate or fellowship check. After that I got it signed by a school official to fill out their section. However, ECSI was not satisfied, instead error out error. The latest one suggests that the signature was fraudulent or they needed a wet signature from a school official mailed. What's really crazy is that they say you can upload the form but once you have downloaded the form already you can't upload it anymore. You get an error stating. Our records show that you have applied for this entitlement for your loan. Your entitlement application is currently being reviewed. Your entitlement application will be reviewed within 3 business days from receipt. You can check your account online for an updated status or contact a Customer Advocate at XXXX. 

Emails are ongoing and nothing is resolved because they refuse to accept the forms and want money. Violating rights when a student is full time has the right to defer student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/XXXX I sent a XXXX payment to the incorrect recipient. I called the recipient '' XXXX '' the next day when I realized, and contacted XXXX. she sent me the confirmation letter from her bank that she had filed a claim as well. 
I contacted Wells Fargo on the XXXX and was told they would file a claim. It would take up to XXXX business days to get a response. I contacted Wells Fargo on the XXXX and they told me my claim had been closed because they had found that their was no fault on their end and they would not be issuing a provisional credit. 
I then pushed them to explain to me what the next steps should be, in order to get my {$1600.00} returned. They said they filed a request from the recipients bank on XX/XX/22 and should get an answer by the XX/XX/22. 
I called XXXX. again on XX/XX/22. they told me again that my claim was closed and that they could not say when the recipient 's bank would be required to contact them or guarantee that I would get my money back. I transferred 3 times each time to someone who could not answer my questions. The 3rd time I had to hang up because the hold was too long. 
At that point I contacted XXXX and was informed XXXX was its own entiity and I should contact them. In turn XXXX told me I should contact Wells Fargo because they were the only ones who could file a claim to get funds back. Not the Recipient. 
So Wells Fargo spent 15 days wasting time instead of getting this issue resolved.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
N accordance with the fair credit reporting act XXXX  account numbers : 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.D 1681 section 602 A. States I have the right to privacy.

15 U.S.D 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Website is broken for a few months on and off I have requested US Bank to fix it multiple times with no avail. 

US Bank footballs me however they do nothing to repair their site. 

I am unable to even log in and I need an access to my financials and I need to fulfill my financial obligations otherwise I am to pay the fees.

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 2022-08-02
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX  Bankruptcy XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-29
Company: Self Financial 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 this creditor XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Resources : 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | LII / Legal Information Institute ( XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | LII / Legal Information Institute XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00}

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 2022-08-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$1300.00}

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 explanation
Consumer complaint received 2022-08-23
Company: Possible Financial 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:
XXXX XXXX Possible Financial These companies have been disputed by all three major credit bureaus for reporting fraud on my credit profiles. I have both written and electronically asked for debt validation sources numerous times, including contracts with my photo ID and my signature as well as GPS location, and these companies have failed to provide requested documentation to me within 30 days of disputes. These accounts were fraudulently obtained without my consent or knowledge by my XXXX  ex-husband in an attempt to ruin my chances of success after having XXXX XXXX XXXX these items have negatively affected myself and my children from obtaining housing and transportation and I demand these items be deleted from all consumer agencies as well as all three major credit bureaus immediately and all further negative reporting has to cease. these companies have repeatedly violated my consumer rights and have broken many consumer laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, {$2800.00} was withdrawn from a joint checking between myself and a former spouse at Navy Federal Credit Union. We are currently divorced but we do still have a mortgage open with the credit union, as I occupy the home with our minor daughter. 

When I phoned to find out why, I was advised the {$2800.00} was applied to a credit card charge-off from XX/XX/2012 belonging to XXXX XXXX. At this time, he had a credit card and restaurant go out of business and I know he also pursued bankruptcy. 

They shared with me the following, see Section 5 : https : //www.navyfederal.org/content/dam/nfculibs/non-search-pdfs/nfcu_573cc.pdf My question is the timing, is there no statute of limitations on credit card debt? Are they allowed to collect on this money for eternity?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CL Holdings LLC
State: ME
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 reached out to Jefferson capital and have still not been provided with validation that this debt it mine and it is being listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
15USC 1681 Section 602 states, I have the right to privacy.

15USC 1681 Section 604 ( a ) Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. 

15USC 1666 ( b ) : A creditor may not treat a payment on a credit card account under an open-end Consumer credit plan as late for any purpose.

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 2022-08-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Torrid Comenity banl credit card account # Account Ending In : XXXX I was unaware there was a balance in my account, It appears that my account was not credited correctly after a made a online return in XX/XX/2022, should have been for about {$30.00}. I was under the impression that the return and my payment in XX/XX/2022 had cleared my balance. Because the credit for the return did not happen the balance remained and a late fee applied for XXXX, XXXX and XX/XX/2022 totaling {$110.00}. 
During the time the late fees were being applied, I did not get any notices in mail. 

I checked on my credit and discovered there was still a balance on this account and this is how i found out about this. 

I tried calling comenity bank to discuss the matter and they transferred me around to at least 3 people no one knew how to help me and I was on the phone with them over 1 hour. I as put on hold and they ended the call. 
I since closed this account because I do not want to incur anymore fees. I would PPRECIATE ANY HELP YOU CAN PROVIDE ME WITH THIS MATTER. 
Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
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 written and requested validation of this debt from portfolio recovery and still have not been provided with validation that this debt is mine that is being published on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am working with XXXX XXXX XXXX that does credit repair from XX/XX/2019 to the present ..my count in TransUnion and XXXX pass status of limitation. the department of education acc :  XXXX and XXXX also pass status of limitation.

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 2022-06-09
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The bank keeps arbitrarily honoring ACH withdrawals even though I had a negative balance. I am being charged {$36.00} for each " bounced check ''. This is keeping my balance continue to go into the negative and I have not been able to afford to close the account once and for all. The bank is PNC Bank.

Company response to consumer: Closed with monetary relief