BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I, XXXX XXXX, consumer, a natural person ( 15 U.S. Code 1602 ( e ) ) who is alive, and dated on XX/XX/2022 am filing a complaint against Navy Federal Credit Union for the advertising of Down Payment pursuant to 15 U.S. Code 1662, Navy Federal is in violation. 
I, XXXX XXXX, did a consumer credit transaction with Navy Federal Credit Union dated on XX/XX/2022 and had to use my Credit Card ( 15 U.S. Code 1602 ( l ) ) aka my Social Security Card, along with a {$300.00} deposit for me to get a Secured Credit Card this is also a violation of The Truth In Lending Act. 
This transaction should be Cash OR Credit, not both within one transaction. 
I am demanding a refund of my {$300.00}, and zero out the balance, update my account to an UnSecured Credit Card with an extension of {$30000.00} credit limits. 
I, XXXX XXXX, consumer, expressing, and exercising my rights and in good faith and I feel an secured credit card is discrimination pursuant to The Equal Credit Opportunity Act ( 15 U.S. Code 1691 ). 
I, XXXX XXXX, consumer deserve a Unsecured Credit Credit Card the same way that other consumers has as well. There should NOT be any discrimination whatsoever. Navy Federal Credit Union needs to in good faith comply with requirements mentioned above pursuant to 15 U.S. Code 1681n ( a ) ( A ). 
Best Regards. Without prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been having a nightmare with Citibank, they closed both my checking and savings accounts since XX/XX/20. However, they are refusing to return my balances to me. Im so hurt and upset about this. It has been almost four months of countless calls, visits to the branch etc. All to no avail. I received an email from Citi stating that no funds were owed to me after the closing of my accounts. I have attached my bank statements and also my bill from XXXX that I have begun repayment on. The email also states that any funds received from XXXX would be returned to them. After contacting the XXXX, I was informed that no funds have been returned to them. Can someone please me resolve this matter? Thank you so much

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 2017-01-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I noticed that I have inquiries on my report that I do not recognize, THIS IS NOT A REQUEST FOR ANY FRAUD ALERT. This is a final demand for removal of unauthorized credit inquiries from my credit report. I have spent yesterday and this morning on the phone making calls to these companies and have made the proper notes and I am demanding that you stop sending me letters stating that you have to list any inquiry on my credit. This is a total lie You are only suppose to list an inquiry if it has a permissible purpose and you must show proof. If the companies listed are called by me and they either state to have me dispute directly with you that they did not have the right to pull my credit or they are NOT showing my information in their system I would say that is NOT SHOWING A PERMISSIBLE PURPOSE. It is on the news that you you credit bureaus have been fined millions of dollars for deceiving customers. I believe that you just stick hard inquiries on a credit report to lower a persons score or to make it look bad so they do not get extended credit. Regardless I took the time to call each one so you must now remove these from my credit report. You do not have the right by law to report these as there is no permissible 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 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America allows fraud customers to keep my money Good Afternoon, My name is XXXX XXXX. On XX/XX/XXXX I received a text, from my bank stating that a purchase had been declined at a XXXX. I was not making the purchase. I looked up my bank number and as I was about to call, the actual bank was calling me. They told me someone tried to use my debit/credit card, While we were on the phone received another text stating that {$3500.00} was coming from my XXXX account XXXX There was a very strong sense of urgency from them ( XXXX XXXX bank ) to get it resolved before they ( alleged hackers ) got all my money from me..I was terrified. Phone kept disconnecting & every time I tried to call back XXXX XXXX back they would quickly call me back. They told me someone hacked into my XXXX and I had to do a XXXX reversal. They had me do it in my name and said the number I put in was a reversal code, NOT a phone number. They had me terrified. Very scripted and professional fraud. They told me once I had reversed all three of my accounts it would block the thieves and I would see my account balances be back at the amount it was when I started. I even received text from thieves ( posing as bank ) that said thank you for XXXX reversal. When all three of my accounts were emptied, the man on the phone ( said fraud banker from XXXX ) apologized and said too much time had passed and I would not see the money back in my account until the next morning. Instantly tearful I hung up and realized I had been scammed and called my bank right away. The fraudsters hid behind the actual bank number and sent text messages that looked exactly like the banks. Showed a banker at my bank and they agreed it looked so legitimate. I went to my bank, reported it to the police and even got Bank of America to freeze the perpetrators account because they knew these scams had been happening. Ive done my due diligence to advocate for myself as a victim. I did not receive my money back ( will not give up the fight to get my money back, I am the victim ) but I want to stop these low life, heartless humans. The number of the person who received the money was XXXX My bank ( XXXX ) told me they banked at Bank of America and Bank of America confirmed they did and Told me their name was XXXX XXXX XXXX ( not sure if spelling is correct ). Please please, things need to change. The thieves are advancing the banks & people like me are suffering without our banking backing us up. 

I need my voice to be heard & my money back to me. 

Sincerely, XXXX XXXX XXXX Bank customer Scammed by Bank of America 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 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my credit Union ) and payed down my credit card with a XXXX. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line 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 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On or about beginning of XXXX XXXX i had apply for a credit card ( walmart /capital one ). it was turn down because of the credit score that XXXX had sent them ( XXXX ). i had called XXXX about it and they said they did not tell capital one that, dated XX/XX/2020 from source : XXXX consumer relations. I have an XXXX credit score of XXXX on line from XXXX. i had filed a dispute with XXXX  on XX/XX/2020, about this. ( # XXXX ) .now i don '' t who is tell what to who or who is just putting down the wrong information. I had sent a letter to capital one with the same information, that seem to be the only way to contact.them haven't heard from them. 

Now just apply for a XXXX XXXX credit that was turn down by The creditor is XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX again by XXXX  info, .I only use 2 % of my credit creditworthiness. & credit score of XXXX i have 21 credit card i really don't need another card but i get for the discount & rebates. 

THANKS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
on XXXX XXXX, 2016 I called the credit bureau and they would not removed the information that is not correct. I try to do the transaction online, but they keep telling me to call.I explain that the information was wrong and that some name and address was not accurate.

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 2017-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
All XXXX credit reporting agencies continue to report our Loan Balance with XXXX incorrectly. This balance should be less than {$900000.00} now. But these agencies have reported a loan balance of XXXX XXXX dollars despite the fact that the loan was modified in 2010 and the balance was set to {$920000.00}. I am attaching the Mortgage Note that was fully executed and records as proof. Our attorney from XXXX has contacted XXXX and they can NOT produce ANY evidence to the contrary. 
The previous servicer, XXXX settled with Consumer Federal Protection Bureau ( CFPB ) for $ XXXX for violating serving and loan modifications laws. XXXX is refusing to cooperate with us and are simply referring us to XXXX when we asked them to provide proof that we owe the deferred balance. We have also filed a complaint with the CFPB. 

We are unable to hire an attorney since we have no funds and the balance reduction will ONLY be on paper, so there is no proceeds where any attorney could collect. We would like your help to engage the credit agencies to correct the reporting. They have been violating credit reporting and debt collections laws since 2010.

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 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Transunion is violating provisions of the FDCPA by implying that the legal status of XXXX XXXX XXXX XXXX debts are collectible by reporting the alleged debts on my credit report. The exact statute is XXXX XXXX XXXX, ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Transunion does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Transunion may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Transunion is willfully and knowingly violating XXXX Colorado statutes by publishing defamatory and incorrect 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 explanation
Consumer complaint received 2021-01-07
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Accounts on credit report. company called me while recovering under XXXX. Accounts were to be paid by the VA, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
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 XXXX XXXX XXXX XXXX account # XXXX, and XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts below. Also, I tried contacting Transunion requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, 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:
XXXX XXXX criminal bank institution did fraud and identity deft on my name. And possibly shared with that XXXX  and unknowing XXXX, Equifax, XXXX. This four criminal companies are holding my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX criminal XXXX  institution did fraud and identity deft on my name. And possibly shared with that XXXX  and unknowing XXXX, XXXX, transunion. This four criminal companies are holding my information without my consent.

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 2017-10-12
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never authorized PayPal to open and then close a account. This has caused my score to drop by 50. Please correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NJ
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:
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX XXXX Account name : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
i filed a complaint # XXXX against capital one on XXXX/XXXX/17 re : paying XXXX, a scam artist who falsely claimed they would sell my timeshare after paying them {$2800.00} in title fees up front. They did n't sell my timeshare, as a matter of fact, once they got my credit card # they never called me again. Within capital ones dispute time frame, i sent them evidence that this outfit was a scam. In their response to my complaint they did n't acknowlege any of the facts i had backing my case, including a cease and desist order from XXXX XXXX, the attorney general of North Dakota, against premier timeshare solutions. An expose on XXXX tv identifying XXXX as crooks. An F rating on XXXX from the Better Business Burea. The fact that XXXX XXXX the owner of XXXX Is in jail now for this very crime. On top of that, the lawyer they sent after me, XXXX and XXXX backed off as soon as i sent them all this evidence. Capital one 's response to my complaint is, '' our research confirmed our actions taken on your disputed charge was correct ''. Where is your backup, your evidence showing you are correct? I HAVE EVIDENCE SHOWING I AM CORRECT, I JUST DO N'T SAY IT, ASK YOUR LAWYERS. Talk is cheap, show me your evidence. At the end of capital one 's response by XXXX XXXX, there is a phone # with her ext. # to call about my concerns. As usual when calling capital one, i was passed around to different people or on hold for 45 minutes and finished at voicemail and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, I have been a long time American Express card holder, platinum card holder with average annual card purchases of {$280000.00}. Never missing a payment. I contacted American Express on XX/XX/XXXX requesting assistance, a payment arrangement that American Express offers for Covid19 related financial difficulties do to my bank accounts being hacked and all available funds embezzled. The American Express customer service agent after presenting my details stated that American Express has no program at this time to offer me. I repeatedly asked why as this made no sense to me. The more I questioned the agent the more she responded with short responses. I requested to speak with a supervisor. The agent finally agreed to transfer my call. The American Express agent whom I then spoke with was exceptional, she stated yes there is a program, which requires a down payment equaling XX/XX/XXXX of my balance then 11 equal payments and my account would remain in good standing and no derogatory reports to the credit bureaus. At that exact time I did not have the funds to make the initial payment to enroll in this hardship program. I asked what is the last day and was told XXXX. On XX/XX/XXXX. I received a letter from American Express that my account was closed due to foul language. In the same letter I was provide a phone number to call with any questions. I called this number to the corporate office numerous times per day only receiving recorded messages. I had left voice mails which took American Express 5 days to reply. During this time on XXXX I went to enroll in the hardship program notated on my account and was then informed since my account was closed on XXXX I NO longer can enroll nor speak with any American Express customer service representative and that I only can speak with the corporate office. To date XXXX I have received 3 calls and nothing has been done, my credit now is ruined by American Express. I was a great customer spending in excess of {>= $1,000,000} in past 4 years alone. American Express needs to be held accountable for their abusive actions. How can American Express be allowed to do this to anyone? 

Then to add to American Express unethical tactics my XXXX XXXX XXXX card was also cancelled.The 4 explanations offered NONE pertained to any true event.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to TransUnion to have it removed and they performed an investigation witch did not remove it from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation