BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX, L, XXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXXXX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXXXXXX  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 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21, my son use my mobile phone to purchase three games off XXXX XXXX. One was for {$110.00} and the other two are for {$69.00}. Capital One refunded {$110.00} but the other two charges they wouldn't refund. As all three of these charges weren't authorized by me and my son accidentally purchased them I would like the two charges for XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I own a  Chase Sapphire Reserve Card. I bo oked a flight, using the credit card and through the  Chase Travel Portal,  in   XXXX   XXXX  . I canceled said flight in   XXXX   XXXX  , and was refused a refund on my card. Instead, they said that they will hold the amount ( approx { $650.00} ) for me and I can use it to book travel again before   XXXX   XXXX  .      I tried using this balance on  XX/XX/XXXX . The agent confirmed that I have {$650.00} available to book travel, and said they would transfer me to the booking agent. At this point, I was put on hold for longer tha n 30mins and I  hung up. I called again and, this time, the agent refused to acknowledge my travel credit. I was again put on hold for longer than  20mins and I hung up.      I used the secure message center on Chase.com to have customer service act on this. First message was on  XX/XX/XXXX , and the response to this message can be briefly summarized as, 'Please call the  Travel Center, we  can not help with this '.     Since  XX/XX/XXXX , I have exchanged  5 me ssages and a phone call with   XXXX   XXXX    ( Senior Service Specialist ). Th e last exchange with  XXXX  was also unsatisfactory, since she essentially asked me to call the  Travel Services ag ain and refused to look into this any further. I agreed to call once more, giving  XXXX  a fair chance to resolve this.     On  XX/XX/XXXX  I called the Travel Portal again and asked for the Help Desk, as instructed by  XXXX   XXXX . After more than  25mins on hol d, I hung up again.     At this point, I have emailed, messaged, called and done everything else to try and fix this. I have lost money on travel, since I could n't use my credit to book another flight. I have also lost a lot of time and energy in pursuing this to no end.     Thanks and Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
One day I woke up to a company named National Credit System on my consumer report. I do not know who they are and how they got my non-public identifying information. I have never given consent for them to furnish anything on my report. I demand a debt validation with a wet ink signature copy between XXXX XXXX and National Credit System. I also demand XXXX to block this fraudulent information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: GA
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 angered by the Credit Bureaus ' choice of action and did not completely removed the disputed accounts and information from my Credit file in which the Fair Credit Reporting Act section 605b requires the Credit Reporting Agencies to remove any accounts and information that resulted due to identity theft. Also, the Credit Reporting Agencies have been failing to send me copies of proof of verification or proof of ownership having my legal signatures. This is a clear violation of a consumer 's Rights under the Fair Credit reporting act section 605b. I have discussing with my legal team about the lawsuit that we are willing to file in the event the Credit Bureaus failed to comply with the requests under the FCRA Section 605b. If it is not too much to ask for, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/2021

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 2022-06-09
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Order XXXX was placed to Nordstorm, they shipped said order by XXXX XXXX. XXXX XXXX tracking. The said package arrived in a small box. However, upon opening the package, only one item was in said package. This was a tshirt/tank top. I advised nordstrom via chat and was told a refund would be issued. However, they denied the claim and stated the package was delivered. The delivery was never in question, what was in question was the items packaged. I only have one item. They need to refund the items not included. They have an issue with the warehouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXC XXXX DEPTEDXXXX XXXXXXXX Equifax Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXXXXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 602 A Section : It also states a consumer reporting agency can not furnish an account without 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 2022-08-23
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from XXXX, Equifax and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus XXXX, Equifax and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for Equifax for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company refuses to specify why I have these fees and cost on my account. They have sent me letters stating that my house was never in foreclosure as well as at least 10 employees of freedom mortgage told me NO your home is not in foreclosure, I have audio recordings as well do they as every call is recorded to verify this. Freedom mortgage takes advantage of people who have had hardships and are attempting to take my home because of their own faults and negligence.

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 2022-10-24
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a loan through the XXXX XXXX consolidation loan process. I have over the years attempted to get my promissory note, correct payment balances etc. I was sold to XXXX by the federal government when they abandoned the XXXX  program and then was sold to navient in 2017. Navient says that XXXX did not provide a promissory note or payment history. 

In XXXX I attempted to direct consolidate with the federal government through a company called aidadvantage. They sent me a denial letter stating that I was not qualified due to the type of loan I have. I recently learned that even though they denied me the direct consolidation with the government they took over my accounts. ( i believe navient and XXXX are one and the same just sister companies ) When I talk to Navient they say I need to talk to XXXX ( even though i am still paying Navient ) When I talk to XXXXe they state they have no account but see that its with some other company called XXXX. I would like to make a formal complaint against all three companies ( probably just the same company ) about why I was not notified of any of these changes. Lastly XXXX says I am not a customer of theirs. 

I will fight for some type of understanding with XXXX but in the meantime this can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I Bank with XXXX and I was enrolled with zelle for my XXXX accounts using my phone number. After I was informed that XXXX was no longer offering zelle to XXXX customers who enrolled after a certain date, which made the service unavailable to me. Therefore I requested that my phone number be unenrolled from XXXX 's zelle payment system. XXXX informed my that my phone number was unenrolled from their system and should work at another financial institution. I attempted a number of times to enroll using my phone number with my other Bank and the Zelle app but was told it could not be done and that I needed to contact XXXX Bank. I contacted zelle and XXXX Bank customer service at several times each to try to resolve the issue. On my last contact with zelle customer service I was informed for the first time that my phone number had been placed on some kind of " restricted list '' for unspecified " violation of the zelle service agreement '' that prevents my number being used at any other financial institution. I was also told that XXXX was the only one that could have my number removed from this list as " they are in full control of this zelle feature in their app ''. I again contacted XXXX Bank and spoke to a customer service representative and a supervisor and was told that somehow in the process of being unenrolled my number was placed on this restricted list. The supervisor then informed me that they have no ability to remove me from this restricted list and they could not help me. I have attempted to conference call between zelle and XXXX customer service to resolve the issue. Unfortunately zelle customer service so far has been unhelpful and will not cooperate in trying to resolve the issue with XXXX so my phone number can be unrestricted for use with the zelle app or other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Trans Unions business partneXXXX XXXX to TRANS UNION as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX XXXX Bankruptcy # XXXX filing. 

I declared and stated to Trans Union there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to TRANS UNION by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Trans Union or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. 

Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Trans Unions Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )

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 2022-07-29
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 XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}

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 2021-08-04
Company: Experian Information Solutions 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:
on XXXX XXXX i disputed a collection that was wrongfully placed on my consumer credit report.the collection company XXXX XXXX XXXX XXXX and XXXX XXXX has DELETED /REMOVED the collection of my report ON but experian and XXXX is still have it reported, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company 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