BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an active bank account with Peoples United Bank, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. 

When this account was opened, it included a debit card which I did not attempt to use until recently. The card did not work several times which prompted me to go to the bank. I was told it was shut off because it was not actively used. I had never been notified that it had, in fact, been shut off and informed them of this. 

A bank rep then issued me a temporary card to use until a new card could be processed and delivered by mail to me. The temporary card is embossed Preferred Customer where my name would normally appear. 

This card also does not work. I have used it twice to process an order with XXXX only to get a later response of Payment Revision Needed. This prompted calls to XXXX and Peoples United Bank trying to figure out why. 

The call to XXXX XXXX Customer Service had a representative questioning me whether the card was activated ; I informed her it was done by the bank rep who issued it to me. She had me change my pin, also. She also notified me that my new card might arrive around XX/XX/XXXX. 

XXXX informed me that payment for both of the orders was rejected by the issuing bank. 

In yet another phone attempt, I contacted yet another Customer Service Rep at the Bank. This rep insisted everything was working properly. 

Fed up with the cars being rejected, I went back to the Bank and withdrew {$600.00} in cash. I requested {$500.00} remain in the account as I need to bridge an account into a new bank. ( Do you blame me? ) I requested a check be made out to me, XXXX XXXX and Cash, for the balance. I was told the check would cost me {$5.00} and the Bank would not allow the check to be made out to cash and me. They would only allow my name on the check. 

Seeing as I have literally spent hours at this point actually being physically present in this bank and spending time on the telephone with bank employees trying and trying and trying to resolve matters, my approximately $ XXXX still sits there where access is impossible unless I go back to the physical bank for the third time and attempt to make a withdrawal for the balance in cash. One can only imagine the roadblocks theyll have ready to stop me from getting my own money. 

There is something steadfastly wrong with their practices that none of their employees can figure out this problem as to why the Preferred Customer card is NOT working.

I need my money as soon as possible and I would ask that you assist me in addressing my issues with Peoples United and helping me get my funds. 

So much for being a Preferred Customer. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitting a CFPB complaint to request an investigation and correction of the listed account, which appears to be incomplete and inaccurate on my credit report, as provided for by the Fair Credit Reporting Act. The account in question is with XXXX XXXX, with the account number XXXX, and a balance of {$0.00}. I urgently require confirmation of the current status of this account. I have reason to believe that the information being reported is incorrect, as it does not match with my own records. Therefore, I am requesting a thorough investigation and prompt correction of any inaccuracies to ensure that the information on my credit report is legally and lawfully accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: EOS Holdings, Inc.
State: MT
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:
EOSCCX company out of Idaho acquired information via XXXX and without authorization used my Social Security Number to run down my credit on an account already reported by XXXX. When I requested that XXXX remove the redundancy, XXXX did not comply and claimed that they had right information so this company can run down my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, 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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 is not in compliance with the truth in lending act and the fair credit reporting act. 
they are in many violations pursuant to federal law company policy does not trump federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is regarding a commercial Mortgage loan through Shellpoint Mortgage. I lost a home during a bad storm and it was a total loss. I received insurance funds to cover the mortgage and expenses. This check was sent to Shellpoint and they paid off the loan, I am waiting for the remaining funds to be sent back to me so I may pay my expenses that have occurred. The payoff was conducted XXXX XX/XX/. I have called several times asking about my remaining funds. The first time they stated it would be 30 business days, after 30 business days they told me it could be up to 45 business days. After 45 business days they stated the funds had been lost between departments and they would reach out to me with in two business days. I reached out again and they told me the information has been put forward to the proper department and will take as long as it takes. this is unfair, they took the insurance funds to take care of their needs as soon as possible and when it comes to my needs, it will take as long as it takes?! Where are my funds!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( ( Original Creditor : ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting 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 have no knowledge of the said. hard inquiries. The hard inqueries are theresult. of identity theft and must but removed no later than 4 business day as per 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account over XXXX years ago closed and no longer should appear delinquent status on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-12
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a new Hyundai Elantra Hybrid. The finance officer offered me GAP insurance for my loan. I agreed. Unfortunately 2 weeks later I was involved in an accident that totaled my new car. I initiated a claim and the car company was slow in doing the paperwork. I had to call them and the GAP company multiple times over multiple weeks in order to even get the GAP claim started. This started on XX/XX/XXXX ( initial claim date ). This was nearly a month after trying to start the claim. The car was XXXX on XX/XX/XXXX. On XX/XX/2023 I received notice that I would receive no payment. It appears that they are showing a {$4000.00} deductible on the GAP claim. I do not recall any sort of disclosure telling me that there was a {$4000.00} deductible. Signing up for GAP insurance on a XXXX XXXXXXXX car that I traded in a car for XXXX XXXX  plus for would not have made any sense. In fact I know my boyfriend who is a XXXX at a XXXX XXXX would have raised all heck if I had bought a GAP policy with a {$4000.00} deductible. That would defeat the point of the policy. I feel that I was cheated, sold a lie, injured financially, and subjected to business practices that are dishonest and misleading. I feel that I was ripped off.

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 2022-02-25
Company: ERC
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was contacted by ERC about a debt owed to them for another company XXXX XXXX. When I spoke with the representative I was told once collection was paid they will update and remove collection from credit. Instead it shows a charge off the negative reporting is affecting my credit score preventing me from loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Upgrade, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Upgrade : # XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have 6 Student loans that are reported on my credit that are more than 7 years old. The timeline for reporting debt to a credit report is 7.5 years and these debts are well over that. The government plays games by selling your debt or changing the name of the loan or debt management company that has your loans. Why would my loans be transferred to a debt management company when I haven't asked for any debt consolidation? Not to mention I was never made aware that my loans were being transferred to anyone other than the Department of Education ( which is who I thought the loans were taken out ). Per my research " When your loan servicer gets bought or your loans are transferred, you will receive a notice from your current student loan servicer and a welcome letter from your new servicer. The promissory note that you sign for each new student loan requires both the old and the new servicer to notify you of the change. You should receive a letter from each of them when there is a service transfer. You may also receive notice from the Department of Education if your federal student loans are being transferred. " I have attached all of my loan information, also the information showing when my loan entered repayment and all of those dates were more than 7 years ago, so why is it still on my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was a few days late with credit card payment due to an over site, credit card company notified me and I immediately made the payment triple of what to be made. I have a perfect payment history always paying early and much more than required. I was notified by XXXX XXXX that XXXX lowered my credit limit because of this over site do to illness in the family possibly XXXX or XXXX. This is absolutely ridiculous due to perfect payment history with this company. Upon notice of this credit limit change I paid credit card in full. This type of nonsense is intolerable and disrupts peoples credit. I called XXXX XXXX and was told that XXXX makes these decisions. This has got to stop, it is hurting too many people during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been having problems with Santanders USA for awhile now. From missing payments to over charging to not receiving documents to sign at the beginning of the loan. I have sent out and contacted Santander on multiple occasions in regards to this matter. Last one being XX/XX/XXXX by certified mail disputing the account payment history, amount owed as well as the validity of the loan. I sent several emails and called Santander in an effort to get this matter resolved. Around XXXX of XXXX I received a document stating that I was entitled to one or more compensation from Santander due to the lawsuit that was filed by 39 states AG offices. Shortly after that my account was closed. I then contacted Michigans Attorneys Generals office and was told to go to a website that would explain what I was entitled to. According to the website I am entitled to a monetary amount and since my account was closed I was also entitled to Loan forgiveness and Santander was suppose to send me the title to my vehicle, wipe off all negative reporting on all three credit bureaus etc. Once again I reached out to Santanders and was told that my documents I received from the AG office was fake and that there was no settlement reached. Santanders received my certified letter with return receipt requested on XX/XX/XXXX. XX/XX/XXXX they had my vehicle repossessed. I received nothing back from Santander regarding the certified dispute letter sent to them. This company has violated my rights on more than one occasion and have not been held accountable nor responsible for any of there illegal acts. Pursuant to the lawsuit that was filed by 34 Attorney Generals Santander is not suppose to be repossessing any vehicle involved with this lawsuit. Santanders need to be held accountable for their actions on all fronts. By repossessing my vehicle without settling the dispute is a violation of the consumers rights as well as them not honor the settlement agreement they made with the 34 states. See Santanders lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: VA
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 have sent XXXX packets via certified mail to Equifax on XXXX XXXX  and again on XX/XX/XXXX which contained proof of identity, a police report, FTC report, notarized identity theft affidavit, an XXXX report XXXX copy of my credit report with the fraudulent information, and a copy of the Fair Credit Reporting Act Section 605B which states the laws they have to obey and my rights as a consumer. 

Equifax is treating this case as a dispute. I did not initiate a dispute or investigation/reinvestigation with these accounts. I submitted a request to block this fraudulent information according to the Fair Credit Reporting Act Section 605B. 

Equifax is in clear violation of the law and this is my last time I will consider settling this matter if it is not taken care of I will contact an attorney and sue Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
An unemployment claim was fraudulently made in my name. 
I received a USBank ReliaCard in the mail that I did not request and my employer did not authorize or send. 
I want this card and account closed so no one may use a copy in my name or another name. 
My employer contacted me about the fraudulent claim, I received a notice from unemployment and made a claim with them, then I received this card in the mail.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I previously reported this account 3 month ago this company reopened my investigation after completing and resolve my investigation and reinserting these accounts on my credit file.

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 2019-06-30
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I paid off my XXXX Mortgage Account XXXX. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to Equifax. By incorrectly reporting this amount to Equifax, XXXX is driving down my credit score with Equifax. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.

Company response to consumer: Closed with non-monetary relief