BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( acct ) XXXX XXXXccount number 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.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 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 2023-07-05
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with Chime. I disputed a charge with chime. Without telling me or asking me, they said during time on phone. We cancelled your chime card & ordered you a new one. I needed the {$1300.00} to pay my rent. They said 7-10 days. This was 1st week in XXXX. Card didn't come. USPS said wait 7-10 days. Ordered another card thru Chime end of XXXX. It didn't come. On XX/XX/XXXX I called Chime and asked for them to send check of balance of {$1300.00}. I have email confirmation. Never got check. Tried calling Chime. First I was told XXXX XXXX XXXX XXXX  & hung up on. Called back got hung up on. Called back, after the lady dancing in circles with me, she said my email address didn't fit my account. I took screensjot and sent it in. She didn't care that I was into my account with my email. She said she couldn't help my because she could not verify my account. In the mean time since I could not access my funds to pay my rent, I'm evicted from my place. I tried to pay XXXX 's rent and they said they would only accept XXXX, XXXX rent 2 late fees and attorney fees and court cost! Thats {$3500.00}. My rent is XXXX. I never received my money from chime and they closed my account. They owe me {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6200.00} 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 explanation
Consumer complaint received 2019-08-22
Company: ENOVA INTERNATIONAL, 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: Reporting company used your report improperly

Complaint:
using my personal information did not apply for anything with them please take me off your opt out list do not pull credit FCRA violation misuse of my credit information found the report on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: MI
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:
Please see the attached letters I have written to Experian regarding inaccurate reporting of a XXXX XXXX XXXX account listed on my credit report. There CLEAR AND OBVIOUS errors that Experian has refused to address and which remain on my credit report after their re-investigation. Also note that I requested details outlining the process they followed in re-investigating this report. They did not provide any of this 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 2023-07-05
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 2023-07-11
Company: FORD MOTOR CREDIT CO.
State: FL
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 XXXXt ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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/XXXX & XX/XX/XXXX of this year, someone fraudulently withdrew {$2000.00} from my Bank of America checking account with my debit card in my possession. The bank verified the debit card was in my possession by asking for the XXXX when I filed the claim over the phone. They were rude to me, and even the lady on the phone sounded skeptical. Clearly, they haven't been trained enough to understand how debit card fraud works and how it's possible for someone to clone a card, and I felt I was fighting a losing battle from the very beginning based on the biases of this employee. I filed the claim on XX/XX/XXXX and quickly received a denial of my claim, and they closed my claim leaving me to pay for {$2000.00} in fraud caused by their lack of proper debit card/ATM security. I'm currently reaching out to state officials to further my complaint as we speak.

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 2023-07-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, My name is XXXX XXXX on XX/XX/2022 I had deposited 3 checks into my Navy Federal Credit Union for my friend because he doesnt have a bank account. He did let me know he tried to cash them at a check cashing place but they charge a percentage based on the amount. So we had deposited the checks into my account to which Navy Federal put a hold on my account to assure that the checks wouldnt bounce bank for my safety. I has been almost a year now and I still have a balance in there in the amount of XXXX, I had reached out to Navy Federal, as well as filled out in appeal form and I still have not heard a response so I am reaching out to you guys to get assistance on accessing my account back, please help! 
Account # XXXX Routing # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My navy Federal account was blocked and restricted. Due to my account being accused of being open fraudulently. I open the account. I sent in my documents such as identification, Social Security card checks stubs to where my deposits are being deposited into my Navy Federal account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
First, I can not access to Comenitys response to my complaint. I closed the account based on their slow process of processing payments. It appears the slow processing goes past the due date and I was charged late fees. I paid XXXX to assure closure, and just received a bill for XXXX to complete the closing of this account. Please address this company 's dishonesty of processing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Fraudulent transactions of {$6900.00} on XXXX XXXX XXXX on credit card

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Last night ( XX/XX/2023 ) I received an email from Bank of America notifying me what I was denied for opening a " Bank of America Advantage SafeBalance Banking '' account online. This will be the 3rd time in a year that someone has attempted to get a loan or open an account with Bank of America using my information fraudulently. I spent over an hour on the phone last time, ( most of which was on hold ) talking to their fraud department and verifying that I did not open or attempt to open an account. I have never, and will never have or open an account with Bank of America. This morning I also received a 2nd email apologising that I couldn't open an account online, but instructions on how to open one at a local branch.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-21
Company: ECredable
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 looked at my XXXX credit report and noticed there was an account listed on my credit. I have no knowledge of this account. 

Between XX/XX/2023 and XX/XX/2023, your ECREDABLE.COM, LLC account balance increased by {$26.00} from {$62.00} to {$88.00}. 

I don't know where this account come from. I don't even have statements showing payments, but instead it says that my account balance increased by {$26.00}. What account are these payments being made, because I haven't made any payments. 

This has brought my credit scores down by XXXX points. 

I need this account with ECREDABLE.COM, LLC verified, I have no knowledge of this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citizens credit card I paid my credit card off having problems for the last two months with payments being made, and not being posted interest late fees being charged to my account then charging interest rate when card was paid off, then calling collections and putting my name in collections in all three credit bureaus For {$5.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During Covid I was harassed monthly by XXXX XXXX XXXXXXXX XXXX XXXX leasing office agent although they received their rental payments on time. Monthly, I was threatened by them that myself and my XXXX children ( XXXX of which were XXXX  ) would be kicked out on the streets After receiving a fake eviction notice on red construction paper I was basically forced to leave the unit without anywhere for my family to live due to the constant harassment, emotional distress and feelings of uncertainty and safety. We were homeless living out of my car for 4 months. The makeshift eviction notice contained a signature of someone who was no longer an employee at the property and Im sure she has no idea her signature was used. The property also received 2 months rent on my behalf after my move out although I was no longer occupying the unit. While residing in the unit maintenance never came to fix anything that I put a work order in for they just marked it as completed in the portal. My garage door didnt work for XXXX months even though I put in several work orders to get it fixed. XXXX months after moving out I was contacted by a collection agency regarding a balance of {$590.00} that I had no knowledge of and was unaware even existed. I requested information regarding the balance from the collection agency and the property and never received either although I was informed that I would. I never received anything from the company stating that I owned anything. I wanted to know exactly what I was being charged for seeing as though I left the unit in excellent condition other than the normal wear and tear of living there for almost 8 years. I never received the information requested and 2 months later the balance appeared on my credit report. Charging people unknowingly, for unknown reasons and attempting to ruin their credit is illegal and extremely unprofessional. It was a complete nightmare living there after 2019! I would like for their billing department to credit the charges and remove it from my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2023 i sent a letter regarding inaccurate unknown things on my report its been more than 30 Days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach.

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