BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received an email stating my checking account on Current online bank is affectively closed, with no explanation. I was abroad at this time, and relied on my funds during my travel abroad.. I had a balance of over 10,000 in my account. Within this closure email no-where did it say how to retrieve/ move / option my funds.. I have emailed Current back and forth requesting more information in a professional matter along side with ways on optioning my funds as I relied on them during my travel. 
After about 5 emails, Current has stopped replying to me, and has failed to answer my questions regarding the last transfer, account amount, and a process on retrieving my funds. It has been over 2 weeks as Ive been in the silence. Ive tried to contact Current Bank a few times again but failed to receive a single reply even after explaining my reason behind them closing my account due to security reasons while accessing my account during my abroad stay. 
Ive also called current, but was automatically hung up as I heard a automatic message play your current account has been closed and an email has been sent to your inbox I had to use a different phone number to call from to speak with someone who said I should have received an email on how to option my funds ( which I have not ) and that my case will be escalated. 

It has been more than 10 days since that phone call with nothing from Current. 

Things like this can really financially hurt someone like it has to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Atlanticus Services Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX balance on my Fortiva Credit Card yet they are charging me a {$5.00} account maintenance fee and a late fee if I am late on the XXXX XXXX  monthly maintenance fee. This feee is basic extortion, because if I cancel this account my credit will be negatively impacted because it Will reflect as a closed account and my available credit will be reduced by the available credit limit of the card. This can not be legal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and Bankruptcy XXXX 7-discharged Reference XXXX, 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 accounts 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 this 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 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 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
BEWARE, CAPITAL ONE REFUSES TO CLOSE MY CREDIT CARD ACCOUNT. They refused to do so, on the phone, unless I agreed to a lot of terms they wanted to read over the phone. I was not going to give in to blackmail terms about closing my account. I refused to agree to their terms and told them to just close. They would not. I sent a Certified letter ( attached ) requiring that Capital One close my credit card account. They still wouldn't do it. Instead they starting adding interest charges and late payment fees to a disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Sunbit, Inc.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023 I sent a legal notice to Sunbit Now, LLC ( " Sunbit '' ) rescinding my consumer credit transaction with them. There were several grounds enumerated such as : ( 1 ) failure to provide full disclosure of my right to rescind in accordance with the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1635 ) and Regulation Z ( 12 C.F.R. 226.23 ) ; ( 2 ) transparency regarding the process of consumer credit application being the financial asset ( 12 C.F.R. 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 C.F.R. 260.11b-6 ). There were also other TILA violations and I reserve the right to raise them -- both federal and state -- at arbitration and in federal/state court. By operation of law, upon receipt of the notice this transaction is void and Sunbit has twenty days from receipt to return all monies paid in connection with the transaction ( 15 U.S.C. 1605 ( a ) ). Yet, more than twenty days has past and Sunbit has not returned the monies owed. Additionally, they continue to perpetuate fraud and send harassing emails for payment on a loan ( " agreement '' ) that is void by operation of law. Moreover, Sunbit continues to report a balance owed on this voided loan to all three major credit reporting agencies in violation of the Fair Credit Reporting Act ( " FRCA '' ). Sunbit take notice that this action constitutes a violation of the FCRA and I will not hestitate to pursue remedy by means of arbitration and or by federal law suit.

Moreover, I never gave Sunbit my permission to disclose nonpublic personal information. Any consent- whether verbal, non-verbal, written, implied, or otherwise is revoked. Additionally, Sunbit never informed me of my right to opt-out of disclosure as required by law. See 15 USC 6801, 1681b ( a ) ( 2 ) ; see also P.L. 90-321 ( 82 Stat. 146 ). 15 USC 1681C ( a ) ( 5 ) states " [ e ] xcept as authorized under subsection ( b ), 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. '' This account is an adverse item ( which is not a record of convictions of crimes ) that Sunbit and XXXX are reporting without my permission. This is against the law. 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) further states " [ 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 2023-01-31
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:
When I reinvestigated my credit report, I realized that some of the information was still erroneous. I've complained about this matter in my previous letter It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$8900.00}

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 2018-10-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by Equifax .I requested for an investigation because the account XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: OneMain Finance Corporation
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/2022 {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I saw a notification from my XXXX  account dated for XX/XX/2022 informing me that someone had opened an account using my name & SSN at the Bank of USAA. 

I didn't see the notification until today, XX/XX/2022 so I called XXXX  and told them that it was not me, and they said they were going to close the account and let their security department know. USAA advised me to call all the bureaus and notify the authorities as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: FL
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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act 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 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 2023-10-26
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo- opened the account in XXXX. Used it for the first time on XX/XX/XXXX. My sister sent me XXXX and they didn't let me transfer my money. Better yet they didn't even refund her money back. I committed no crime. Nor did I violate anything and they haven't even given me a reason to deactivate my account and hold my funds 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
I went to the XXXX XXXX branch of Umpqua Bank in XX/XX/XXXX to send money to XXXX. I was told that I needed a cashier 's check. The check was sent but could not be cashed. I took the cashier 's check back to the branch on XX/XX/XXXX. The representative told me that the check was " old '' and that the manager had to approve my redepositing it. ( Two to three months to and from XXXX, even for airmail, is not unusual. ) I then said that I wanted the fee- I thought that the cost was {$25.00} but was twice told that the fee had been approx. {$12.00} but is now {$10.00} ) to be reimbursed. The representative told me, all but verbatim, that Umpqua Bank is not responsible for what other banks do and don't do. I asked to speak with the manager who said what the representative had all but just said. Both were amazingly rude. I then went to the Umpqua XXXX XXXX branch in XXXX XXXX, CA. In asking for a copy of the cashier 's check, the representative asked why the money had not been sent by wire. A copy of the cashier 's check revealed that the funds had been sent in XXXX not XXXX dollars. I called Umpqua 's customer service and found out that it is the manager 's discretion re reimbursement of the fee. I asked how can that be ie apparently, I have to pay even though Umpqua was in error as to how currency should be sent abroad and when I complain, it is perfectly acceptable for me to be treated so very rudely. It appears that as a customer with Umpqua, I should know which branches to visit to obtain the correct info and services as well as be treated well? If I go to an engineer because my land has drainage problems, how am I supposed to know what drains or whatever is needed. This is a matter of principle and as I become older, I am so tired of dishonesty.so

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 2022-05-17
Company: EQUIFAX, INC.
State: SC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with Equifax to delete all inaccurate information. this has been a issue that is hurting my file. please review and delete data submitted asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a insurance check in the amount of {$11000.00} for a new roof and for some really stupid reason mortgage companies have to endorse the check. Since there are no local branches for CitiMortgage, I had to mail the check to OH. On Monday morning X/XX/2017 I spent {$28.00} at XXXX to overnight the check with a letter and a {$10.00} check to overnight it back to me. CitiMortgage received it on X/XX/2017. I called on X/XX/2017 to get the tracking number and the representative XXXX, told me it would take two days and would not be sent out until Friday XXXX XXXX, 2017. Meanwhile, every time it rains, my roof leaks in several spots from storm damage. First, it is taking more than two days. Plus, if they are n't sending until Friday, that means I wo n't get it until Monday. Because CitiMortgage is making me jump through all these hoops, is really terrible for the homeowners, I am unable to give the roofers a down payment until I receive the check and cash it. First, CitiMortage should n't even be on the check. I am the one who pays for insurance. I pay my insurance directly and I do not have it calculated into the mortgage payments ( I do n't trust banks ). Second, if I am overnighting the check, therefore they should send it back either the same day or no later than the following date. Especially if the customer is having to pay for overnight services! 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 non-monetary relief