BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: MD
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:
I'm filing this complaint against Experian for lack of investigation regarding my credit report. Inquries US SM BUS ADmin XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX account paid and closed, US Dept of ED XXXX account paid and closed, Bankrupty that is on my account, XXXX XXXX accounts stating that I have a debt of over {$50000.00} dollars. 15 USC 1681 602A Section 2 states I have the right to privacy. 15 USC 1681 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. Experian is using an automated system the company has not done a property investigation. E-Oscar is automated. The items that I have listed need to be removed asap.

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 2022-09-19
Company: Receivable Collection Services, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is trying to collect a debt i allegedly owe. Ask to be provided with validation of debt and company failed to do so violating my rights as a consumer. Violated my rights under 15 U.S. Code 1692e ( 11 ) and also 15 U.S. Code 1692 ( b ) Sec. 2. As well as 15 U.S. Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: DISCOVER BANK
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I made a balance transfer {$5200.00} plus fees on XX/XX/2023 but I never received my money into my account I have a XXXX account one day i got the call from XXXX  XXXX XXXX they told me that someone is using your check to deposit into their account into XXXX XXXX that they put the check on hold if it wasnt for the call i got from the XXXX  XXXX XXXX I would have never known about this issue and I would have been still waiting to receive my check to deliver to me. I have no bank with XXXX XXXX XXXX i only have XXXX XXXX. first they disputed me the amount of the fraud then they added the amount back again on my account now my account is negative {$4400.00} my account full limit is {$5500.00} so I'm negative on my account XXXX XXXX something all this Is badly affecting my life and my credit score. I had a good credit score of 700+ now I'm currently sitting at XXXX. I'm a victim of this absurd investigation they did on my account I'm looking forward to take legal action on discover bank I need help in this regard. Company is not responding or taking any action to resolve this issue. Im a victim of this fraud that happened on my account Im going to take legal action against everyone involved in this absurd investigation. Company is saying I received the check but i never received the check to my mailing address and someone cashed the check by writing my full name and those arent my signature my identity is being used. Im going to sue the credit company for my pain and suffering and for false accusations on me and for destroying my excellent credit score now I cant make any future purchases with my credit score. I want this dispute to resolve as soon as possible I can not take it anymore i had enough of this XXXX. Only option is left for me to sue everyone involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am currently a citizen bank customer and I have an account that will cover debit card transactions, if the funds are not there, and you are allowed 24 hours to bring the account back positive before any fees are assessed. This is NOT how my account has been maintained. on XX/XX/10 I had a balance of XXXX ( give or take a few dollars ) and a transactions of XXXX came through. I had smaller transactions as well, XXXX and XXXX, all of which should have been covered. Instead, what Citizens the scammers did, they covered a partial amount of the XXXX and charged me overdraft fees for all 4 transactions. I contacted them, twice and even visited a branch as to why I was charged 4 overdraft fees. Nobody was able to provide an answer nor a resolve. This bank is a rip-off and treats customers horrible, in addition to ripping people off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with 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 Bank XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights XXXX XXXX XXXX account # XXXX XXXX has violated my rights XXXX XXXX  XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I applied for a mortgage loan with the Navy Federal Credit Union Bank. 

I got denied. I disapproved what they wrote on my credit report. I want this to be fixed as soon as possible. Thank you Your Credit Score : XXXX Date Credit Score Created : XX/XX/ Range of Possible Credit Scores : XXXX - XXXX Top key factors adversely affecting your credit score : 1. Lack of real estate-secured loan information 2. Not enough balance paid down over time on revolving accounts 3. Balances on personal installment accts too high compared to loan amts 4. Too high proportion of balances from bankcards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a 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. 

XXXX5 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 which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I, XXXX XXXX, Consumer, have sent a notice to Santander Consumer USA Inc, including an invoice of {$61000.00} via Consumer Finance Protection Bureau ( CFPB ) and the notice and invoice shall not be construed for any reason or any purpose at anytime. If Santander Consumer USA Inc, willfully fail to comply with my written instructions, I will have no choice but to file a lawsuit in Federal District Court with Prejudice! This notice shall take effect immediately! 
ALL RIGHTS RESERVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: LA
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, XXXX Account 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 an 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 explanation
Consumer complaint received 2022-06-25
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 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 Account1 Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$690.00} written off. {$760.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$760.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$500.00} Highest balance {$0.00} Terms 8 Months On record until XX/XX/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 explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: CA
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  # XXXX, Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX XXXXXXXX # XXXX Account US DEPT OF EDUCATION # 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

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 2022-11-28
Company: AmerAssist A/R Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A fraudulent credit card account was opened with Capital One under my name. I received an email from Capital One that my card was in the mail. I called Capital One and reported the fraudulent account. After speaking with a representative at Capital One, they have flagged the account as fraudulent and said they will report to FTC. I have requested that they stop sending me junk mail so that there is less of chance of someone using that mail that has been tossed in the trash to open a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: DISCOVER BANK
State: FL
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:
On XX/XX/2022 I contacted Discover Credit Card to inquire about the status of my disputed transaction. I had informed Discover Credit Card that I had returned a defective item to the merchant and the merchant was not providing me with a refund. 

Discover Card supervisor XXXX stated that Discover declined my dispute and could not help me any further because the merchant never acknowledged I returned the defective item. I informed supervisor XXXX that the item was returned, and the tracking number was provided in the dispute documentation I had previously submitted. Supervisor XXXX stated that Discover could no longer contact the merchant to confirm if the merchant agreed that I returned the item. Supervisor XXXX stated that I needed to contact the merchant and obtain a letter or document showing that the merchant acknowledged that I returned the merchandise. I informed supervisor XXXX that the merchant was not communicating with me because i disputed the transaction and the merchant closed my account. I asked supervisor XXXX if the case could be re-opened so Discover could reach out to the merchant and ask for the required information needed to resolve the dispute. Supervisor XXXX said the case could not be re-opened and that Discover could no longer assist me. 

I also informed supervisor XXXX that I was being scammed by the merchant because the merchant was claiming I damaged the item and was attempting to get a refund on an item I damaged. Supervisor XXXX XXXX stated that Discover could not assist me and that I should seek outside assistance. 

Supervisor XXXX continued to state that Discover could no longer continue with the dispute and that I needed to seek help outside of Discover. For over an hour supervisor XXXX insisted that nothing further could be done by Discover to assist me. I asked multiple time to be helped by a higher level supervisor or someone who could further assist, but supervisor XXXX refused to complete my request. Supervisor XXXX intentionally ended the phone call while I was still trying to speak to him. 

I contacted Discover to inform them of my issues with supervisor XXXX and the intentional termination of the phone call while I was still speaking to him. Discover representative XXXX stated all the calls are recorded but she could not provide me with a call identification number. Discover representative XXXX stated that all complains are handled internally and there was nothing else she could assist me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXXXXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX have 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.

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 2022-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
as i was looking into my credit report ive noticed inaccurate information reporting on my credit report i did not open any credit or debt cards with any credit company i have never did any business with XXXXXXXX XXXX XXXX XXXX XXXXXXXX they have a account reporting on my credit for XXXX i did not do that and i will not pay for a account that was false created i ask of you to please have the credit breau to remove this item off my credit i will have to reslut in litagation with all 3 credit breaus and anyone who houses this information under the consumer law the law states under 15 usc 1681 and 15 usc1692g theses are abusive practices and deceptive langues i aske you please remove this debt XXXX XXXX XXXX XXXX portfolio recovery XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
complaint # XXXX was closed on XX/XX/22 and it states that a copy of my credit report was mailed to me. I have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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, Chexsystems ( XXXX 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 an 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 explanation
Consumer complaint received 2023-09-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
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/ i was notified of suspicious activity i informed nfcu that i did not make the purchases i was informed they would monitor my account on XX/XX/XXXX nfcu paid the charges made on my atm i call and went into the branch for proof that i made the charges?? whoever charged had my phone number and address so they assumed it was me? the charges were for XXXX XXXX for {$890.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have some unauthorized inquiries on my credit report, i attached a letter with all information.

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX : amount of {$4400.00} XXXX. XXXX XXXX XXXX {$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX. XXXX XXXX XXXX {$110.00} 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.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: TN
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 XXXXXXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX have 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.

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