BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to access my accounts yesterday but could not. I called USAA Bank and they stated that they had closed all ( XXXX ) of my accounts due to filing disputes and could never open another account there. They will send a check for my paycheck which should be deposited today or tomorrow in 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: TX
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: GA
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 sent a dispute letter over 40 days ago to experian and they have failed to deliver updated results so now they are still investigating this dispute which is a violation of the FCRA.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I was notified by Experian of a new hard inquiry on my credit report. I clicked on to see what has changed. It showed information that I have no knowledge of nor did I apply for a new credit card!! Someone used my information to apply for a XXXX credit card! I called XXXX XXXX XXXX and made a complaint in regards of this as well as to file a dispute. I was told by XXXX that no card has been issued which was a sign of relief. They documented on their end, and told me to call Experian since Experian is who they deal with. I tried calling Experian on Saturday, XX/XX/XXXX, but was not able to get a hold of anyone due to being a weekend. I would like to make a complaint and file for a dispute being that I did not apply for a new credit card!!!

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: JPMORGAN CHASE & CO.
State: FL
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:
Hi, I was monitoring my credit report with XXXX, and I noticed on XX/XX/XXXX that JP Morgan Chase Bank are make 32 unauthorized and non requested credit inquries several times per month and monthly since XX/XX/XXXX under different names without any credit application. I called on Sunday and the associate named XXXX from XXXX XXXX told me that they are allowed to do that and they are not. I have a regular checking account without any credit line, I did not have any credit card with JPMCB and I did not applied all 32 occasions. I need an explanation about this credit discriminatry acts that harm my personal and professional life and it is intentionally. The credit inquiries are the following : under name JPMCBXXXX  there are the following inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with address XXXX XXXX XXXX XXXXXXXX XXXX XXXX tel XXXX. Under the name JPMCB XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX. Under the name JPMCB they inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX w/address XXXX XXXX XXXX XXXX DE XXXX tel. XXXX. Under JPMCB CARD inquired XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX. Under name JPMCB XXXX inquired on XX/XX/XXXX with address XXXX XXXX XXXX XXXX, DE XXXX, XXXX. I WOULD LIKE TO REQUEST THAT JPMCB XXXX, JPMCB, JPMCBXXXX, JPMCB CARD, JPMCB XXXX STOP MAKING NOT AUTHORIZED AND NOT REQUESTED DISCRIMINATORY INQUIRIES ON MY CREDIT REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX / XXXX 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 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 2023-08-02
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: Was not notified of investigation status or results

Complaint:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accounts for XXXX  are reported incorrectly on my credit report DEPT OF ED/AIDVANTAGE XXXX XXXX XXXX Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}

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 non-monetary relief
Consumer complaint received 2021-07-29
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Credit company SELF INC offers to build credit I Signed up on XX/XX/XXXX Self credit building account Got approved for a loan in a amount of {$530.00} Pay it in 12 month agreement Promised to pay it back after the loan has been payed off XXXX monthly payment Link my bank account automatic payment XX/XX/XXXX SELF INC offered me a SELF CREDIT CARD accepted the credit card No issues with account access Credit limit increased by on time payment 2 accounts same company SELF BUILDING CREDIT SELF INC CREDIT CARD under my name. 
XX/XX/XXXX finished paying the loan XXXX Payed me only XXXX dollars WHY Original payment XXXX Credit card had a XXXX only XXXX dollars to use Payed it on XX/XX/XXXX automatic Have only the credit card credit limit is XXXX My credit reports reads that I have 2 % credit used MAIN ISSUES WHY IM COMPAINING Cant access my account online No chat or talk to someone over the phone Reguarding my account Automatic machine over the phone SOCIAL SECURITY NUMBER AND BIRTH DATE Email response 48hrs Need to update my phone number email password to access my account Automatic machine says my credit card is locked due for over limit XXXX Reused once the limit goes back to XXXX Due date XX/XX/XXXX of a minimum payment of XXXX weird XXXX available credit limit over limit XXXX minuium payment of XXXX dollars doesnt make any sense Cant do anything about it Reached out 4 times over the phone emailed them about the issue Asked me to contact them through my exciting email that they have on file security issues No luck Only this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX XXXX I was connected with XXXX in the delinquency control department during this recorded call said that if I brought my loan ending in XXXX current my monthly payment would be {$150.00} per month so I agreed and brought my loan current. I called back later that day and spoke to XXXX who also confirmed that that my monthly payment would be {$150.00} per month. After bringing my loan current my account page at www.penfed.org showed a monthly payment of $ __.__ This changed in XX/XX/2022 to {$590.00} per month. I have been making the agreed upon payment of {$150.00} per month but Penfed has damaged my credit stating that I am past due. I have spoken to XXXX 's supervisors XXXX on XX/XX/2022 and XXXX XXXX who have been able to access the recorded call between myself and XXXX on XX/XX/XXXX and both have acknowledged the terms XXXX told my of {$150.00} per month. They said XXXX 's employment with XXXX has ceased and that she made a mistake and that the monthly payment should have been {$590.00} per month. They can't help me resolve the situation.

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 2023-01-31
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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 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 2021-06-10
Company: LEXISNEXIS
State: OH
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXXXXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {XXXX}, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Regional Management Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX data breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

15 U.S. Code 1611- Criminal liability for willful and knowing violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Greetings, My name is XXXX XXXX. I have XXXX accounts at Regions Bank, that I would like to discuss with you. The XXXX accounts end in XXXX ( joint account ) and XXXX ( solo account ). 

At the very beginning of XXXX I initiated a transfer of {$420.00} from account XXXX to XXXX account. 

Issue : After discovering an issue yesterday XX/XX/23 ( XXXX weeks later ) I discovered the following ( please note this discovery came yesterday when the account ending in XXXX went negative )... 
1. When I initiated the transfer it was taken out of my account ending in XXXX. 
2. A few days later it was put back into my account ending in XXXX ( as a returned check item ). 
3. The transfer of {$420.00} was successfully put into the other account ending in XXXX in early XXXX. 
4. XXXX weeks later ( yesterday ) the amount of {$420.00} was debited from my account ending in XXXX therefore causing the account to be in a negative balance. 

My concerns : 1. Why did Regions take the money and give it back to me with the account number XXXX in early XXXX? The transaction essentially canceled out. 
2. Why did Regions bank wait XXXX weeks to rectify this with account XXXX? 
XXXX. Why would account XXXX be the XXXX debited and not account XXXX? 

My request : 1. For the {$420.00} to be forgiven from the bank. I am requesting for my account ending in XXXX to be bought back to a current/positive status. 

My reasoning : 1. This appears to be a bank error. It appears to be a late act of the bank and an unnecessary confusion of accounts. As a bank customer I have entrusted my financial transactions with Regions bank. Handeling many transactions in a day let alone weeks later is very concerning. 
2. The bank has had a breach of a duty of care for my accounts. It appears to be a breach of its contractual obligations to me as a customer. 
XXXX. This has bought harm to my assets. 

I would greatly appreciate any expeditious handeling of this situation. 

Note : If this message needs to be sent to someone else at your institution or company please forward to them. I would like to have this handled as soon as possible. 

I can be reached all day today via email or telephone regarding this situation. My telephone number is XXXX. Have a positive and productive day. 

P.S. Please see the attached document. It includes XXXX screen shots that I have gathered for your review regarding the XXXX accounts. 

Kind Regards, 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 2023-02-09
Company: Experian Information Solutions Inc.
State: NV
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:
New and Updated Information : Previous Complaint # XXXX Discrimination that has caused severe damages, please see documents attached. 

Claim of investigation three times, yet I provided proof of the EXACT SAME ACCOUNTS being removed from XXXX XXXX XXXX 

The individual who responded MADE THE CHOICE TO DISCRIMINATE AND DENY ME MY RIGHTS UNDER THE COLOR OF LAW and will be held liable per my Fee Schedule.

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 2023-04-07
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company Keynote Consulting INC is asking me to pay {$10000.00} for a debt that I do not owe, this debt belongs to my husband XXXX XXXX which we have been separated for XXXX XXXX years. I did not give no one permission to use my name for no purpose like co/sign. at as you examine the document take a good look at the document and you will see that my name has been forged electronically under my maiden name. I've attached my Id to show you how my name is spelled and written, I contacted consumers credit union and Keynote Consulting Inc about this matter constantly about this, but the specialist was only concerned about payment Iam a very sick woman I've been diagnose with XXXX 14 years ago and Iam fighting for my life every day ; therefore, the last thing I need is to have my identity stolen. this is not my debt and Iam not associated with this debt by no means, this debt belongs to my husband, he is responsible for this debt, please reach out to these company and have them to delete this off my Credit report. 
Please and 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