BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/2023.

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 2020-07-31
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I started an application on XX/XX/2020 with Navy Federal Credit Union for a loan of {$42000.00} ; however before I completed the application I was having second thoughts so I saved the application unfinished to make sure that was what I wanted to do. I stopped at the funding amount on the application. A couple of days later, I gor an alert from XXXX that Navy Federal pulled my credit through XXXX. I immediately called Navy Federal and asked why they pulled my credit on an incomplete application that wasn't even signed or dated to give them permission to pull my credit. They clsim I completed the application to the point where they could pull my credit. I advised them Inwork in banking and know how credit applications work. They have refused tonremove this inquiry from my credit report which has lowered my credit score. They are practicing predatory consumer practices and I am seeking legal recourse hopefully with thr help of you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit 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:
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 Chase Bank Card Member Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, XXXX XXXX XXXX XXXX  I purchased the use engine for {$2200.00} at XXXX from XXXX XXXX XXXX. On XX/XX/2023 I called and talked with XXXX ( cancellation department ) to ask about cancellation and charged. XXXX told me that it should not be charged since I just submitted the order. I listened to XXXX XXXX to cancel but It was not what she told me. XXXX XXXX XXXX was charged for restocking fee {$550.00}. 
XXXX XXXX  XXXX was lying. They did not have engine in stock, they failed to ship to customer in a week, they failed to guarantee the engine was XXXX mileages, they did not have engine for restocking fees, extremely very bad customer service. 

XXXX XXXX XXXX SUMMARY DATE & TIME OF ORDER : Ordered completed at about XXXX on XX/XX/2023 DATE OF CANCELED : Canceled completed at about XXXX on XX/XX/2023 CONVERSATIONS WITH REPRESENTATIVE PEOPLE Talked to XXXX XXXX customer representative on XXXX  regard to cancellation and refunds. XXXX informed that it will be full refund since order just submitted Talked to XXXX XXXX sale representative engine was in stock and ready to ship. Promise that customer will receive in one week. After order, was told that customer will receive engine in 3-4 weeks. 
Before ordered, customer was told engine was only XXXX miles but after ordered customer was told it was not guaranteed that engine was XXXX miles

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So Im trying to figure out why my account got frozen. On Friday the XXXX I went to go pull out money from my account and a banker blocked my account an hour after I left from the branch asumming that my identification was a counterfeit ID So later that evening I returned back to the bank with two forms of identification and they told me that they couldnt unblock it because my account was getting reviewed even though I showed up to with 2 forms of identification. That confirms all my information tied up to my account What Im not understanding is how they thought it was a fake id all of a sudden when its the same exact id I used when I went to get my temporary card on XXXX at the same exact branch. They even helped me set up my online banking there I cant go in to show my ID now due to me being on bed rest due to me having COVID. 
What Im not understanding is that why they put a block on my card after I exited the bank and got back home. From my understanding is that they have to follow a certain procedure when you put a block on someones account as well as when I showed up later that day with my id The branch offficer who put a freeze was XXXX at us bank in XXXX XXXX on XXXX  XXXX Later that day I had realized that they had pulled a credit report without my consent even tho my account was frozen Im certainly unhappy with this whole situation that is going on so I would like so speak to the branch officer named XXXX that put a hold on my account .I honestly dont want to go to the extreme measures of getting my attorney involved unless needed that being said I would like for you to contact me on Monday once she gets in to the bank if I dont receive a call by the end of the day. I will be speaking to my attorney and will be letting him take over this whole matter

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 2022-11-20
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I realized this inaccuracy on XXXX Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following. 

I have called this company several times throughout this year and asked for the suspension on this account to be removed. However, I am being told over the phone, that Discover checks my Consumer Report every month. Yet, Im being denied a credit increase and Suspension removal. Discover Financial Services is also reporting to third party companies my private credit transaction information. I mailed a letter on XX/XX/ and have received no response. As a result, I have been denied mortgage loans and Auto Loans. 

According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I would like to inform that I NEVER gave consent to this report being furnished on my behalf and I am also aware of the fact that Discover Bank XXXX Discover Financial Services assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 

Therefore, this company has not only infringed my right to privacy but also denied me an extension of credit, reported in accurate information and violated multiple FEDERAL LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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:
Im 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. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 take 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 relations 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 2023-05-14
Company: Convergent Resources, Inc.
State: WA
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 ( finance ) # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It first started when my wife & I bought our car. We had to call to get our credit freezes removed temporarily in XX/XX/2023. I called on XX/XX/2023 to unfreeze my credit after unsuccessfully trying to do this on https : //www.transunion.com/credit-freeze. My credit freeze was lifted and I was issued a case # and told someone would call me back to assist me. Today XX/XX/2023 I tried to log into Transunion and could not, so I created another password and logged in. I still have the same problem when trying to freeze and unfreeze my credit. I called and spoke to someone in XXXX, XXXX, or wherever who could not answer my questions. I then proceeded to chat on Transunion after getting nowhere. This is the chat : You are now connected to XXXX. 
XXXX - XXXX XXXX Hello this is XXXX, we are having high volume of chats. I'll be assisting you as soon as I can. Thank you for your patience. 
XXXX - XXXX XXXX Hello XXXX, my name is XXXX XXXX. I want to know why I still do not have access to my credit freeze. I called on XX/XX/2023 and was suppose to get a call back to help me clear this up. NO return phone call. Today I could not log into my account so I created a new password. STILL I have no access to my credit freeze, WHY? 
You - XXXX XXXX Sorry it's taking us longer than expected to reply. We will respond shortly. 
Info - XXXXXXXX XXXX I can see the situation was escalated, I do apologize you haven't been contacted yet. I will update the ticket. We have high volume of tickets at this moment XXXX - XXXX XXXX I want to know when you will resolve this problem not situation. 
You - XXXXXXXX XXXX  It's been handled by the specialist department, I do not know when it's going to be fixed. You can contact this number for an update XXXX & nbsp ;, they will connect you to them XXXX - XXXXXXXX XXXX  You mean the same customer services number that can not seem to answer anything either? 
You - XXXX XXXX They will connect you to the specialist department. 
XXXX - XXXX XXXX Can you tell me the ticket number from XX/XX/XXXX? 
You - XXXXXXXX XXXX Case # XXXX XXXX - XXXXXXXX XXXX thank you You I called the number I was given asked to be transferred to the specialist department. I spoke with XXXX who tried to assist me herself and I told her I have a case number gave her my case # and she immediately said she would transfer me to the specialist department. I was transferred to the and remained on an open line with no response from anyone when asking if anyone was there. Waited a few minutes getting frustrated and hung up.

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 2023-03-23
Company: Continental Finance Company, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against a debt collector who refuses to validate this debt that they are claiming I owe. This debt is more than ten years old. It has been filed in a state which I am not a resident. Currently they are garnishing my pay and making it impossible to pay my bills. I have called the original creditor several times and they themselves have stated I have never had an account with them. I dont know what else to do to stop them from taking money I do not owe. They have filed a motion to garnish over {$1700.00} on a debt I do not owe.

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 2023-09-13
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I made a purchase of {$9400.00} on my credit card. I read about a repayment plan that allowed me spread large payments up to 24 months with no interest. Once Id made the charge though they told me the repayment plan is actually only up to 3 months. I spoke with American Express customer service on XX/XX/2023 at approximately XXXX. They told me that offer had changed and that no one could manually update it. They then tried to convince me to pay off the charge with my monthly APR and just told me no one has no control over the repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: CA
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-09-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX, there was a JPMCB credit card opened under my name that I did not open. Some time after the card was opened, the card accumulated debt and eventually my XXXX credit score dropped, which is how I found out about the fraudulent card. 

I traveled from XXXX XXXX to XXXX XXXX and during that time I did not follow up or investigate with Chase ( the card company ). 

In XXXX, I started reporting the issues to XXXX. Around XX/XX/XXXX, I contacted Chase fraud and they said they would open an investigation. Since then, I have not heard from Chase and my credit score is still low and the XXXX site still lists the card as having debt under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
recieved couple of letters saying my account was overdraw and needed payment. last letter was XX/XX/2023 from citizens bank XXXX XXXX XXXX XXXX XXXX, RHODE ISLAND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX XXXX XXXX XXXX XXXX  As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, 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 2023-07-22
Company: Experian Information Solutions Inc.
State: WA
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:
Made several online disputes with Experian to remove 7 hard inquiries that appear on my credit report. All came back as verified and updated with no proof supplied, after I submitted several online disputes, asking for proof. There are also many instances of incorrect information on every one of my student loans listed. I am waiting to hear back from Experian on several online disputes on each student loan account listed. They are reporting late payments, which is incorrect. There are also a few instances of incorrect amounts listed on my student loans. This can be easily verified on the U.S. Department of Education website, which I have done in less than 24 hours. This is very upsetting that a credit bureau is allowed to report incorrect information on consumers credit reports, which adversely affects peoples livelihood. I would have never known if I didnt request my reports. 

Spoke with XXXX in the fraud department on XX/XX/XXXX and let her know that these inquiries were not mine. I know they can not be verified because I did not approve of these companies to run my credit at any time. I have asked for proof that these inquiries have been verified. I have not received proof. I would either like written proof that these inquiries are or have been verified ( my documented signature ). If these can not be verified with proof, I would like all of them removed from my credit report. I have made several calls before this, but sadly did not document those. This is unfairly affecting my livelihood and my credit file. I have the right as a consumer to request proof or request that they be removed from my credit file. 

XXXXXXXX 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

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 2023-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
As soon as I realized that our insurance company did not receive the wired funds ( over $ XXXX ), and that the emails from my insurance broker were XXXX, I filed claims with Chase on each one as well as recalls. I also filed an IC3 complaint with the FBI on XX/XX/XXXX and supplemented it on XX/XX/XXXX when I noticed on XXXX that someone from XXXX XXXX viewed my profile in dark mode ; XXXX XXXX  is the bank to which I wired funds as per the direction of my " broker ''. Chase denied our claim, as per a letter mailed to us on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX has nothing on my credit report so my credit from them is the lowest than XXXX or Equifax. Equifax doesn't have anything on my credit report. The only credit report company that has updated information is XXXX. Due to XXXX and Equifax, I get denied for even a small loan of {$500.00}. I can't even get an apartment due to XXXX and Equifax being incorrect.

Company response to consumer: Closed with explanation