BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: NAVY FEDERAL CREDIT UNION
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 XXXX XXXX I went to the XXXX Bank Atm to deposit money {$1100.00} cash ( XXXX XXXX XXXX ) I have deposit plenty of times my credit union is Navy Federal. The Atm was process my money and then froze told me unexpected error occur please contact your bank a gave me a slip with date of transaction didn't show the amount or anything. I contact bank right then an there. They stated they would help figure out what happen. I went to the XXXX XXXX XXXX spoke to the manager ( XXXX ) the next day at XXXX XXXX in the morning she contacted the back office and took my information stated that it's possibly that it went to reject bucket because of the amount it happens all the time she says. SO I waited a couples days to see what they would do. I got this email stating I would get a temporary credit while they investigate. So no credit ever came after 2 days, called My bank they told me. Sorry the Atm balanced. I ask them could yall please pull the cameras they say no there was no reason too. I went to XXXX XXXX  again spoke to the manager same day this was Thursday of the same week. She called the dispute manager ( infront me in her office ) and she said Navy federal  never submitted a claim they have been waiting ( becausethere was other people same issue ). So I am so confused because they asked me what bills did I have like denomination I told them and heard the lady say yes this is her money on the phone ( this XXXX XXXX XXXX  ). I called Navy federal again they told me to submit another claim. I just been try get my money back someone to pull the cameras. Just back and forth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint in XX/XX/XXXX. This bank is not trying to help me at all. I deposited a almost XXXX check on XX/XX/XXXX they closed my account at the close of business that day and they refuse to send me my funds. Ive called numerous times and this is my second complaint. I was contacted by a XXXX from the office of the chairman she gave me her contact info but she never answers or return my calls.I called her 5 times today to check the status she did not return my calls. She called me last week Tuesday and the XXXX and said she would follow up the very next day in regards to expediting my funds to me and nothing. At this point I would like to be in contact with her boss or some other person genuinely interested in helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXXl XXXX today on XX/XX/22 i talked to XXXX XXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.

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 2022-08-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Funds were available in account during all transactions were processed except 1 XXXX {$14.00} XX/XX/22 Yet I was assessed XXXX overdraft fees starting from XX/XX/22 & 1 was from Truist banking fees yet terms & conditions states is only for debit card transactions? so 6 fees over 1 transaction? Extremely unfair! & upon calling customer service I was told I have had previous fees removed? Impossible as this Is a brand new account

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : 1. XXXX XXXX XXXX Account : XXXX 2XXXX XXXX Account : XXXX Inquiries : XXXX : Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX via XXXX resident XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 115 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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-09-23
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:
Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 2023-10-11
Company: Experian Information Solutions Inc.
State: NV
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:
This was another submission of complaint I am puttung forward, as recently I just received my updated credit report and found that the three remaining negative accounts were still present in my Experian and XXXX Credit Reports, and I am once more asking the mentioned credit bureaus to please REMOVE THESE ACCOUNTS I LISTED IN THIS COMPLAINT : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$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 explanation
Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One credit card authorized a merchant to charge me twice without my approval and although I had cancelled the original card and the merchant didn't have the updated credit card information, Capital One updated the merchant with the new credit card that I have yet to this day activated. I have been in dispute with Capital One since the charges in XXXX and they refuse to submit documentation they state they have that shows that I authorized the transactions. Not only are they refusing to resolve this issue for me, they are also stating that I never submitted proof, even though I did twice, once through a secure link and once via hard copies. They have now added late fees and interest charges that they are refusing to remove as well, even though I have not had a single transaction on the account and it has been in dispute since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CITIBANK, N.A.
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:
15 usc 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for 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 2022-12-03
Company: United PanAm Financial Corp.
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:
15 usc 1681 section 602 states I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Bread Financial Holdings, Inc.
State: LA
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 am writing a letter about a pressing request concerning a XXXX XXXX XXXX XXXX  in my credit files that I would like to have revised. I received the XXXX Comenity card in XX/XX/XXXX and never missed a payment. In XX/XX/XXXX, I experienced XXXX damage to my home and was unable to live in it. I did not have Utilities or mail service. I recognize my responsibility with respect to making sure my payments are received on time and until XX/XX/XXXX, I never missed a payment, and my account was at a XXXX balance. I never made a purchase on my XXXX  XXXX  in XX/XX/XXXX ; therefore, when I received the call from Comenity bank collections in XX/XX/XXXX, I was in total shock. She informed me that my account was well over 45 days past due and without reviewing the charge, I immediately paid the bill to avoid any further fees and to bring my account current. 
Once I was able to log in the account, I was appalled. The charge in XX/XX/XXXX was not an authorized charge. It was for a O membership that I did not give authorization to charge. I immediately called XXXX and the customer service member reversed the charge and credited my account for the {$21.00} unauthorized charge. I assumed that would correct the credit reporting issue ; however, it did not. Comenity bank issued me a refund by check for the {$21.00} because my account had a XXXX balance but did not reverse the payment history to reflect I never missed a payment. 
After losing my home, I begun to shop for a mortgage, and it has come to my attention that the late notations from my XXXX card ending in XXXX has caused me to disqualify for a loan. Since those notations do not reflect my true payment history, I am requesting revise those tradelines. I have reached out to the company, sent in proof of the reversal and contacted the credit bureaus. Nothing has been done. I ask that you respond within 30 days by removing the negative mark from all credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX I purchased {$3500.00} worth of {$100.00} XXXX and {$100.00} XXXX gift cards. At the time of purchase XXXX, {$100.00} XXXX and {$100.00} XXXX gift cards were not activated at purchase but I was charged for them plus {$5.00} per card for activation. I asked the assistant XXXX XXXX for a refund and he said all gift card sales are final. He refused to issue a refund and said someone would call me tomorrow, Monday XX/XX/XXXX, no one called me. He refused to issue a refund. He suggested I call Home Depot Credit Services and request them to activate the cards. I spent an hour on the phone with XXXX from the gift card services on XX/XX/XXXX because XX/XX/XXXX was a Sunday and they were closed. XXXX the representative had me read each card to her, I did. XXXX gift cards. Then she said she could not activate them over the phone and to call XXXX and XXXX and ask them to do it since the store would not and she could not either. XXXX said someone would call me on Monday XX/XX/XXXX and no one called me so I then called and asked the XXXX on duty XXXX when the store XXXX XXXX would be there. XXXX is the store XXXX. She said she would call me back and did on XX/XX/XXXX. XXXX said to come in and speak to XXXX on Tuesday XX/XX/XXXX. XXXX tried called gift card department and was hung up on. I tried called as well and as hung up on. Each time I called Home Depot credit services I was hung up on. I dont know what happened but this is a grave injustice and greatly frustrating for someone to keep hanging up on me. I have XXXX, {$100.00} Visa and {$100.00} XXXX gift cards that are not activated, that I was charged for and I can not use them. I then called and got a hold of XXXX that filed the dispute for {$1300.00}. I received a letter from XXXX XXXX and was told the dispute had been filed. I sent a fax on XX/XX/XXXX and was told to contact the store manager for a credit on my account. The manager is the one that told me to file a dispute. I called on XX/XX/XXXX and verified with XXXX that the fax had been received with the activations of the cards that were declined, decline code XXXX. Now the store is hanging up on me again. I do not know what else to do. I disputed part of the amount because I have these XXXX, {$100.00} visa and master card gift cards that I can not use because XXXX XXXX did not activate them when I purchased them. It is not fair, I should not be charged and I want a credit on my account for the full amount asap. I shouldnt have to file a dispute or even be hung up on repeatedly or even have to file a complaint with the CFPB for a resolution. This is so disrespectful. Please help me resolve this. Thank you.

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 2022-12-03
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Afni sent me a letter to my job instead of my personal address. Embarrassing me in front of my job and threatened that if I did not pay, they were going to suspend my license and registration. They sent me this letter XXXX months after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Westlake Services, LLC
State: NE
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 WESTLAKE FINANCIAL SVCS Account # 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 a 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 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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have been in direct contact with XXXX XXXX at TransUnion and she has provided false claims about the information on my credit report as accurate. Also she has purposely decided to drag out the process of fixing my credit report. On my credit report there are names listed that aren't me XXXX XXXX XXXX, XXXX XXXX XXXX, addresses XXXX XXXX XXXX XXXX, MD. XXXX XXXX XXXX XXXX XXXX, MD XXXX. Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Also TransUnion has inquires listed that aren't mine. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX C XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Bankruptcy 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 2022-12-03
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has permanently deactivated my account, will not discuss why, I only used the app to send child support for my child. The times I have reached out to Venmo, theyve said they dont see any bad transactions on my account, then transfer me for my account to be released and Im then told I can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had our mortgage bought by Mr Cooper Mortgage. A few months later they informed us of an almost {$700.00} a month increase in the payments. I tried several times to contact them and have been unsuccessful in finding out why the huge increase. No explanation, unable to get an answer. Very difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Informative Research
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:
15 usc 1681 section 602 states I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Augusta Collection Agency, Inc.
State: SC
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:
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 for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent a letter off on XX/XX/2022 to remove personal information I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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