BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the Experian and XXXX XXXX XXXX XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$24000.00}

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In According with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX ( Original Creditor ) XXXX XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction and permission.

The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$270.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

The account says opened XX/XX/2022. The account also states Past Due Amount {$270.00}. ( This is a collection account with a Past Due Balance.This is inaccurate reporting and are in violation with FCRA laws and guidelines. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METRO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED. 



*Also please note that this account was previously deleted from my credit file and reinserted by a different collection agency.

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 2022-02-09
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX ordered a hard inquiry WITHOUT my signed authorization! Per the F.C.R.A., either have them provide a signed application document with my signature ( XXXX XXXX ) authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 I opened a checking account with Chase bank. I deposited a check of XXXX and XXXX that was written to myself and my roommate XXXX XXXX. 
The teller took the check had me endorse it and deposited it. A week later I received a letter stating my account was frozen due to a check error and they needed to verify XXXX XXXX, we went to the branch but her ID and social were not accepted as verification. They wanted to verify her number which they could not do in their system. We let chase know she has an account with them with the same phone number and that was not acceptable either. 
With that being said chase closed my account and refuse to cancel or void the check. 
The issuers of the check ( a chase check ) also called the bank to ask them to cancel or void the check since they wrote it and can re issue me one with my name only. 
They also declined the check issuer the right to cancel it as they claim its cashed so it will sit in holding with chase until she is verified endefinitely. Myself or check writer are provided no information where this cashed check is sitting since I no longer hold an account they said with chase. 
Additionally they will not confirm who the teller is who cashed a the check. If the check was not endorsed correctly it should not have to been cashed by them to begin with. 
They cashed an improper endorses check and because they cant verify XXXX XXXX they refuse to cancel, void, or give back the check to the issuer who is XXXX and XXXX XXXX XXXX in XXXX XXXX XXXX owned by XXXX. They are holding thr cashed check to themselves with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: NC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke to the original company. Their workers made an agreement to keep the TV and other appliances in the apartment and agreed to remove everything else. They obviously didnt do it. I just explained the situation to the creditor and I also explained that I was in the process of purchasing a house and the creditor basically threatened my with the good luck trying to buy the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
My son purchased a XXXX XXXX XXXX without a title. We went to DMV for advice/info.  They researched history and found a bank that was the last know lienholder of his dirtbike. XXXX XXXX XXXX. It turns out that this bank has been boughy out by Capital One. DMV asked that Capital One indicates in writing ( notarized ) that they either release the title or indicate they have no interest in the title. Capital One did this. However, DMV was not satisfied with the notarized statement of non interest from Capital One. DMV needs Capital One to release a disclosure of the bank and or banks they have bought out that may or may not be affiliated with XXXX XXXX XXXX or specifically thereof. I have contacted Capital One via phone and fax on nemerous occassions. Have been told that response time may take up to 30 days. I have paid DMV all fees and and I just want to get a title created for my sons XXXX XXXX XXXX XXXX to be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting 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 writing to address some concerns pertaining to my private information and its sharing by consumer reporting agencies, specifically XXXX, XXXX, and XXXX. As a consumer, it is essential that my rights are upheld as stated under the Fair Credit Reporting Act 15 USC 1681 section 602 a. This act emphasizes the need for fairness, impartiality, and respect for the consumer 's right to privacy. 

Furthermore, according to 15 USC 6801, it is the policy of Congress that financial institutions have an obligation to respect customer privacy and safeguard their nonpublic personal information. As a financial institution defined under this provision, ( Furnisher of information to credit agencies ) must adhere to these principles. 

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies are only permitted to furnish consumer reports based on the written instructions of the respective consumer. I have neither provided consent to ( Furnisher of information to credit agencies ) nor XXXX, XXXX, and XXXX to share my information. Any previous consent, whether explicit or implicit, is hereby revoked. 

Moreover, according to 15 USC 6802b c, a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their nondisclosure options. I was never given the opportunity to exercise this right. 

I would also like to draw attention to the fact that 15 USC 1681C a 5 prohibits consumer reporting agencies from including certain adverse items of information in consumer reports, specifically those that antedate the report by more than seven years. It is evident that an adverse item is being reported without my permission, which constitutes a violation of the law.

Additionally, 15 USC 1681s 2 a 1 a states that it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and XXXX must ensure the accuracy of the information they provide. 

According to 15 USC 1681e, consumer reporting agencies are required to establish reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes outlined in section 1681b. It is clear that XXXX, XXXX, and XXXX are not meeting these expectations. 

Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of the reporting services of all three companies ( XXXX, XXXX, and XXXX ). 

I hope that these issues are addressed promptly and that my rights as a consumer are fully recognized and protected. 

Sincerely, 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 2019-02-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A XXXX  PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.

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 2022-12-02
Company: DISCOVER BANK
State: PA
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:
XXXX XXXX RE : Account number ending in XXXX Adverse action Discover card is in violation of ECOA ( equal credit opportunity act ) and Regulation B which require creditors to provide statements of specific reason as to why adverse action was taken against me ( consumer ). Discover for no reason decreased my credit line from {$1000.00} to {$6500.00} never gave me a written notice or explanation which they are required by law as to why this adverse action was taken, I have never miss or made a late payment to my account with discover. 

According to the CFPB In addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken. Adverse action include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit. 
According to the statement above per the CFPB Discover hasnt provided me with a statement of specific or showing why adverse action was taken against me which made Discover civilly liable to me under 15 USC 1691e ( b ) because Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: VYSTAR CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This can go in tandem with complaint XXXX. 
Ever since Vystar Credit Union went to their new website, I have not been able to use the XXXX service associated with Vystar. I went into two different Vystar branches to address this problem while I was visiting in Florida. One was in XXXX, FL on XX/XX/XXXX and the other in XXXX XXXX on XX/XX/XXXX. The XXXX visit resulted in no help and the XXXX XXXX visit was equally bad. The teller in XXXX XXXX said XXXX was working with Vystar and did a transaction. I said I couldn't do it and had e-mails to prove it. They were of no help. 
A payment failed on XX/XX/XXXX for {$480.00}. I thought they were still having issues with their new internet banking so I gave it a month to resolve. On XX/XX/XXXX, I tried once again to send and request money through Vystar and XXXX. Once again, the transaction failed. This time, I got the following error message : " The email or mobile number youre using with XXXX must be associated with an account. Please go to Profile Settings to choose a deposit account. '' When I went to the settings, I found out that MY legitimate e-mail and phone number associated with the account was suspended! I have NO idea why and EVERYTHING worked perfectly fine BEFORE Vystar switched to their new internet banking system. A Vystar representative did reach out to me about the other complaint. I did make known my disappointment with the new internet banking system and the process that was used to bring it online. She understood, but could not offer much help. I will call again on Monday to ask about this ongoing issue since this was the FIRST time I actually got the error message. It's unfathomable that their tellers don't know about these issues and in fact, I was told by tellers that they don't blame me and fully understand why I took the majority of my funds out of Vystar. My wife and I really loved and were loyal to this credit union and to be treated like this... to have ALL customers treated like this is totally out of character for a company with so much history in the state of Florida. I also handle my mother-in-law 's financial situation and may encourage her to drop Vystar too.

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 2023-09-15
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Submitted my SAVE application XX/XX/XXXX was told 10 days for processing. No word or updates. I called on XX/XX/XXXX at XXXX. Was on hold for XXXX hours. Finally spoke with someone. She said it was still being processed. Today i get an email about my loans going into administrative forbearance. I thought that was strange so i logged into nelnet. My payment has gone up {$600.00}. I barely make {$50000.00} a year. Where is my SAVE application? How am i expected to make this payment? I have a job and had to take time away Wednesday to call. Am i supposed to take more time/money away to call for a 2nd time? Ive sent several emails with an automated response. This is ridiculous. Customer service is terrible. Making someones payment {$600.00} more without notice or an explanation is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i have voiced complaints about this in the past and have been told repeatedly that they pay checks ion order that they're received & that they post deposits first. I contend that neither statement is true.I have witnessed the opposite numerous times on XX/XX/2023 i had insufficient funds, as a wire transfer deposit came a day later than expected. Checks were entered from the largest amount to the smallest, or in descending order of amount. Had ALL the smaller checks been deposited first, most would have cleared with NO SERVICE CHARGES, yet they put in the {$1700.00} check first, so they could charge {$250.00} in service charges!! Also they then did deposits last! I thought regulatory scrutiny had put an end to these usurious practices. It costs banks maybe {$2.00} per check on an overdraft, so that {$250.00} gross profit. Synovus Banks continue these fraudulent practices & there is no defense for these consumer practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Got approved, but then immediately couldn't open my online access because I had to have my checking account number which was shown on a previous page.

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