BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I called to file a dispute with XXXX from my acct at USAA. I neve received the merchandise from XXXX and attempted to resolve with XXXX  since XXXX the issues no resolution. I decided to reach out to my bank instead and file dispute. Letters requesting docs were sent but I guess issues with USPS delivery issues I didn't get my letters that requested more info. Temporary credit was reversed. I called USAA on XX/XX/XXXX XXXX because saw funds were taken. Was explained dispute was closed because I didnt sent docs. That day rep send request to reopen case and sent me copies of all communications previously sent. I sent requested inf between XX/XX/XXXX & XX/XX/XXXX thru link on USAA app as instructed during that call. Today I called to fll9w up and rep couldnt locate where docs were sent or case reopened and told me another of the credits related to dispute was gon na be reversed and case close since I didnt sent docs. I uploaded several times the same.docs. One charge came off acct ending in XXXX for {$35.00} and three from XXXX XXXX for {$35.00} & one for XXXX. I dont understand the confusion going on. I am frustrated how this is been handled by all parties including XXXX and XXXX. But my bank USAA really dropped the ball. Besides the fact that my notifications in my inbx are not loading up correctly. I can't see some docs and the fact that I have to call and get them send to me again is also frustrating. Taking back mycredits is creating issues sin I have bills to pay and this cod cause overdraw of my accts if not already happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF THE WEST
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Charges on account that wasnt correct around {$500.00} dollars and it wasnt me. They said it was me and wouldnt give me my money or replace it. It doesnt even match my spending habits and this also happened to XXXX XXXX XXXX my niece, her aunt XXXX XXXX XXXX They keep charging late fees that I feel forced to pay and it wasnt even my charges. Please help. Thank you for your time. 

XXXX XXXX The bank was Bank Of The West

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the XXXX data breach and I'm almost sure that's where these erroneous accounts were accumulated.

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 2022-05-02
Company: Experian Information Solutions 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, this account. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX. XXXX section XXXX A States I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!

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 2023-08-05
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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: Old information reappears or never goes away

Complaint:
I continue to have my personal & financial credibility attacked by all three credit reporting agencies

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 5 letters starting in XXXX of XXXX to Transunion to verify an account that is reporting that should not be on my report. Ive attached the last letter sent to them, and I still haven't received validation or removal of this item,

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 2021-02-18
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX, and Discover Financial. The Account Opened is XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-03-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells fargo has been reporting that I am in home preservation since XX/XX/2020. 
I have been able to pay all of my payments and was not in forbearance. I am trying to Irefiance my loan and they will not give me a letter stating that I was not in forbearance. 

They are stopping me from refinacing and lowering my rate, I called Wells Fargo XX/XX/2020, XX/XX/2020, XX/XX/2020. XX/XX/2020 to tell them I am not in Forebearance.

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 2023-04-10
Company: SYNCHRONY FINANCIAL
State: AA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX XXXX I changed my name to match my IRS records with PayPal from XXXX XXXX to XXXX XXXX XXXX. As a result and without notice, PayPal closed my Savings account. I had a balance on the savings account in the amount of {$320000.00} plus a pending transaction of {$440.00} ( Transaction ID XXXX ) going to the now closed savings account. The {$320000.00} was returned to the Paypal balance, but at this time the {$440.00} pending transaction has not been returned. In addition to this, PayPal informed me that I would not be receiving any interest for the 10 days of the month of XXXX ( XX/XX/XXXX to XXXX ) as a matter of policy. I feel extremely sadden and disappointed by this as no notice was given and now I can't even withdraw my funds out of PayPal to my bank account. PayPal also let me know I could open a new savings account within 3 business days.

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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXXXXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX XXXX XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2019-05-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom this may concern, I have tried to address a tuition reimbursement, after I dropped out from a course with XXXX XXXX XXXX XXXX XXXX, due to work constrains back in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX processes the withdrawal and provided copy of the ledger page showing refunded amount of {$3200.00}. Based on information from XXXX XXXX, the original Balance was {$3500.00}, and the loan increased up to {$5700.00} as Principal Balance with {$48.00} Unpaid Interest. I have contacted XXXX XXXX several times to review the loan, and I have not received any phone call or e-mail as response to my inquiry. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Federal Student Aid, and The Department of Education, and I have not been able to find any assistance. I either get a number to call one of the agencies named above, or get hanged up. 

XXXX XXXX has stated that they have not received any proof of refund money from FSA. 
I called FSA at XXXX on XX/XX/XXXX. They also said they have not received proof of the refunded funds. They suggested calling the Department of Education at XXXX. From this line, I was transferred to an automatize system that said to call XXXX. Once I called this number I was told to call XXXX or XXXX or XXXX. At this last number, I was told to call XXXX XXXX at XXXX. 

As you can see, I have been going in circles with not success. Every person I speak, they say that they can not do anything and they keep giving me other numbers to call. 

I will appreciate if you can please provide any information to conclude this issue. 

I can provide copy of the Ledger Card and 1098T forms provided by XXXX XXXX XXXX XXXX XXXX, as well as e-mails. 

On XX/XX/XXXX, I filed for forbearance as I became unemployed. As I found myself with more time to review my financial responsibilities, I found out that I was making payments on a loan that is charging interest over interests, and a loan that was supposed to be canceled. 

I will appreciate any assistance you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Navient Solutions, LLC.
State: MD
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:
On XX/XX/XXXX, they received information that my account was discharged so there should be a XXXX balance. This was confirmed by several of their reps & supervisors. Today, XX/XX/XXXX, they reported on my credit report that I owe {$120000.00}. Prior, nothing was ever reported. I do NOT owe this. My loans have been discharged and according to my letters from the Department of Education, my credit report will be XXXX  out once discharged ; not add such a large balance. This reporting has decreased my credit score by XXXX points and added to my credit usage significantly HIGH when it has always been under {$100.00}. This now negatively impacts me trying to get a home loan. The mortgage company just now pulled my credit report which now shows this extreme high debt that I DO NOT OWE and they know that I dont owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is regarding my Capital One credit card, which I opened in XX/XX/2015. Since opening, I have my all on-time payments and have used my credit sensibly by keeping my charges low and paying in full each month. Though I have had the credit card for years, I have not had a credit line increase. I have since opened other credit cards to use of larger purchases if needed because I always keep my credit utilization <8-10 % of my total credit available. As such, I have a great credit score, which I also monitor very closely. 

On XX/XX/XXXX, CapitalOne sent a letter to me a letter with the following information : " Recently, during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to {$5000.00}. We have kept your credit limit significantly above your highest balance over the last 2 years to ensure you can continue to use your card as you have been, while providing flexibility for future spending. '' At {$5000.00}, this credit limit is XXXX {$15000.00} less than my other credit cards and I will not use more than {$500.00} in order to stay below my credit utilization goal. This renders the card useless. Not only that, but taking {$10000.00} off of my total credit available to my name decreased my credit score by several points. As these often fluctuate, this maybe isn't the biggest deal to some, but I can not accept the fact that I am being a judicious steward of my credit and bascially get audited for review and re-allocation of my credit which I have earned. Since I find this wholly unacceptable, I reached out to Capital One on two occasions and spoke with individuals of three different tiers. The representative of the last tier said that there was no one above him I could talk to, even though that is obviously not true since I doubt he owns the company. There are probably several more people to talk to but he would not allow me the courtesey -- and my right as a consumer -- to do so. It is evident that Capital One will not solve this on their own. I am also going to write out a formal complaint and send it to them, but I have zero faith that they will respond appropriately or reasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a customer oof Bank of America for 34 years. They have a program re ATM Overdraft Services where you can sometimes take out more than is in your account at the ATM. They tell you before hand that there is a {$35.00} fee which you must agree to. A couple of years ago or so they would debit my account {$35.00} every 5 days, which amounted to a lot of money. I was not informed of that ahead of time. I did call customer service at one point and I was told that was the rule, but for some unknown reason, they now only charge the one fee that you are informed of. I'de like to know what happened to all those {$35.00} fees that were taken from my account. There were many. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: CT
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:
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 Account NumberXXXX has violated my rights. Or a 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 2023-08-05
Company: EQUIFAX, 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX  XXXX XXXX Balance : {$53000.00}.

Company response to consumer: Closed with explanation