BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
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: Problem with personal statement of dispute

Complaint:
Experian refuses to provide proof, that contradicts my evidence, as to why an erroneous bankruptcy is being reported by them.

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 2023-12-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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 a checking account with USAA and have my direct deposit going to my USAA account. 
I work for an XXXX XXXX XXXX XXXX, so I always set travel notifications when traveling but USAA no longer requires travel notifications and does not have any place for a travel notification to be placed. 
On XX/XX/2023 I had a problem with my debit card being blocked with funds available on my account and I was told by a representative named XXXX that a note was placed on my account advising the bank that I travel for work and use my card XXXX. 
Today I got a direct deposit and tried to transfer {$250.00} funds to my XXXX account and had the same problem, but USAA kept {$100.00} and the funds were not placed on my NFCU account. 
When I contacted USAA, I spoke to XXXX, then XXXX, then XXXX, XXXX and no one knew where my funds were but notes were placed on my account blocking me from reaching a supervisor on deposits. 
I called again and spoke to XXXX who told me that notes were placed on my account and he could only transfer me to Member Resolutions, as per the notes.

I asked for a supervisor but was denied by all XXXX representatives and my funds continues missing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. There's no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : 15. XXXX Date of Inquiry XX/XX/2020 16. XXXX Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
After reviewing all of my payments with my bank made to my mortgage I believe my mortgage company should not have filed for a foreclosure since I was not more than 120 days behind. On XX/XX/XXXX my bank sent {$1500.00} and XXXX they sent another {$700.00} and {$1000.00} on XX/XX/XXXX which was rejected and resent on on XX/XX/XXXX with an additional {$2100.00} which would of put my account less than 90 days at the end of XXXX. My original loan paperwork allows for partial payments and I have a copy of that. The summons and complaint was not filed until XX/XX/XXXX with the courts. I do not believe the mortgage company had the right to reject the XX/XX/XXXX payment to force my account to become further behind or to file for foreclosure. I have emailed loss mitigation and gotten no response. The payments sent on XX/XX/XXXX also had to be mailed now due to the company rejected my payment. Which now makes it harder for my payments to receive them. After research and speaking with many resources i believe the things they are doing are wrong. over XXXX and XXXX we paid {$5300.00} and over the previous two months we paid {$4900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., 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 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX  XXXX  ran my credit without my knowlege. XXXX ran my credit report without permission. XXXX XXXX ran report without permission. ther is a collection from online information service for a bill that was paid by insurance and they refuse to provide me a copy of original contracr which is a violation of my rights. I fell that the credit inquiries is an invasion of my privacy because i did nit give permission to view my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On ( Date ), I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2018-12-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Friday morning XX/XX/2018 I tried to make a payment on my XXXX XXXX credit card. I tried using XXXX web browser and received a message that the data was not encrypted properly and attackers would be able to steal my information. I have been making my credit card payments in the same way for the last year and never had this problem. I called the company and was told to use XXXX XXXX as the web browser. I got the same message from that browser. I called the company back and was simply told they are not aware of any problems. The customer service person stated there was nothing wrong with the company web site or security. The person didn't even want to forward my information to IT. The company should look into the insecurity of their system and advise customers.

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 2022-06-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right ton 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 Creditor Name XXXX XXXX XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX, XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX Account No. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation
Consumer complaint received 2022-02-16
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IL
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:
I would like to reach out to your agency concerning the inaccuracies and errors I've found on my credit report. There were discrepancies of information across the XXXX credit bureaus ' reports. I'd like them to correct these errors and have it Update to a Current Status.

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 2023-07-29
Company: EQUIFAX, INC.
State: AL
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.

The letters are stated with items and issues.

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 2023-01-18
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'm submitting this complaint to inform you again that I am a victim of identity theft and I write todispute certain items in my file resulting from the crime. The items I am disputing do not relate to anytransactions obtaining any possession of goods, services, or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from the alleged identitytheft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$160.00} ; XXXX CO XXXX Date opened XX/XX/XXXX Balance : - ; XXXXXXXX XXXX XXXX ( Original creditor XXXX T ) XXXX Date opened XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXXXXXX XXXX XXXXXXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$240.00} ; XXXX XXXX ) Original creditor XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX Balance : {$710.00} ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX ; XXXX Inquiry : 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  Inquiry : XXXX. XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX 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 2023-11-07
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act. These creditors, XXXX XXXX XXXX, XXXX XXXX XXXX, Midland Credit Management, has violated my rights under the 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: WA
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:
No changes on my credit report and Bad Score, still getting hurt with negative and collections accounts on my 3 credit bureau and XXXX on denial credit base on my credit history that in the pass 11 years I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from report. 

I got identity theft in XXXX have filled a police report, FTC, FBI & IRS. 
And again identity theft in XXXX Data Breach From the WA Department Of driver license and Motor Vehicle.

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 2021-07-16
Company: XOOM CORPORATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I initiated a funds transfer using Xoom ( XXXX ) pulling from my checking account on record with XXXX to a checking account ( XXXX  ) in XXXX XXXX for {$500.00}. The transaction was initially delayed then canceled without reason. The transaction number is XXXX. I called a XXXX XXXXep to get a reason for the cancelation and was asked lots of questions about my reasons for making the transfer ( making me feel a bit criminal ). I was then told that the case would need to go to " compliance '' for a security review. I am am frustrated that Xoom doesn't engage in due diligence up front ( i.e. collecting documentation such as Passport, ID etc. ) before allowing transactions to be completed in the portal. This process an others in recent weeks with XXXX have caused me to loose valuable time on " Chats '' with customer service trying to link checking accounts and responding to denials of transfers. Viewing complaints in the XXXX XXXX XXXX  I see scores of similar complaints about Xoom where transfers are summerily declined or held up for relatively small amounts ( attaching screenshots ). I am also seeing lots of complaints about Xoom where funds are delayed in reaching recipients oversees. 

These delays can make a big difference if exchange rates change once funds are finally released. 

There is a pervasive trend of lack of transparency with money transfer accounts with XXXX. 

Further, XXXX is not up front about changes to accounts ( rules around cash accounts ) to consumers wondering why an account that they've held since XXXX is suddenly getting all kinds of scrutiny ( balance less than {$300.00} ) as if it's a money laundering opperation. 

I've attached an example of another customer experience similar to mine using Xoom. 

Small funds from a USA perspective are desperately needed by folks around the world especially in areas suffering from COVID like XXXX and XXXX XXXX. These remittances are life-saving in some cases. Having funds delayed is both shoddy business but it's not just. 

XXXX corporations will likely be the subject of increasing complaints unless regulation is placed top keep them from holding consumer funds unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My application was denied. I asked for the reason why and the bank said they could not provide any information. I only received a boiler plate notice that said I was denied.

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 2023-12-21
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card issuer Elan Financial has a habit of sitting on ACH payments for a couple of days without placing a hold on the funds. This invariably generates fees because after a few days those unprotected funds can get demolished by automatic withdrawals. The XXXX customer service representative I spoke with on the phone told me that they really only do this once someone has a late fee or returned check fee in their history. I can not think of a better way to generate returned check fees then processing payments in this bizarre way. The lady on the phone couldn't either, but she still insisted that it wasn't a hustle. I've managed to get these fees returned in whole or in part in the past but I was informed today that I'm out of luck, will need to wait for a callback from a supervisor to dispute this charge.

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 2023-06-21
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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 


XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Under federal law , you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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