BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Vystar should be forced to shut down and fined by the government for everything they have put us customers through between the website and inconvience. On XXXX I contacted Vystar Credit Union because I have a bill on XXXX, I also have been making payments on my own to pay the bill off. Vystar never sends me a txt message or calls me to verify anything, they automatically just block your card or won't let my payment go through than I have to wait over 50 minutes for a representative to pick up to unblock it an allow the charge to go through. I spoke with a rep today XX/XX/2022 and told her not to block any payments I make to this company as I have been making payments for over 2 months now and its not fraud! I tried to make another payment to the company later that night, AND same thing happened again payment won't go through which means I have to start work late again tomorrow to call for the same reason. I XXXX  this bank so much I will be taking partly a day off to look for another Credit Union. When I make charges early in the day for example if I make a charge on XX/XX/2022 it shows in the transactions tomorrows date XX/XX/2022 I have never seen that happen with any bank in my life. I don't think this is legal. I caution anyone who banks with them. Since web issues, now when my money is deposited from my employer it says " XXXX XXXX '' instead of my employers name.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2020-03-10
Company: BMW Financial Services NA, LLC
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've recently checked my credit report from XXXX  and XXXX and I was shocked to see a previously deleted fraudulent accounts were reinserted back to my credit file. The BMW Financial Services fraudulent account ( Acc no : XXXX ) and XXXX XXXX XXXX  ( Acc no : XXXX ) were disputed and deleted in XXXX of 2020. However, XXXX  and XXXX  reinserted the fraudulent accounts after a month without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Aargon Agency, Inc.
State: NH
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 not a credit user. only had one card in my entire life and its no longer active. there are many collections appearing on my credit report from places i have never heard of. someone ha taken my identity to falsify these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: LEXISNEXIS
State: GA
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:
Contacted LexisNexis multiple times to request a copy of full file disclosure, security freeze, permanent opt out, extended fraud alert and consumer statement. While viewing file it was discover that LexisNexis is reporting information in file for XXXX different social security numbers. I have requested that files are separated, updated and filed a dispute. Company has been supplied with a copy of driver license, utility bill, police report and social security number. Requests XXXX plus old and another request was submitted on XX/XX/2022 case no. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Contacted LexisNexis again on XX/XX/2022 spoke to agent XXXX id : XXXX file dispute and request to separate files, XX/XX/2022 XXXX ID : refused, XXXX ID : XXXX and XXXX ID : XXXX who all refused to assist me, stated that I could not be authenticated, refused to provide any and all information : confirmed documents and continued to refuse to honor docs, refused to escalate call to supervisor and disconnected calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2018-04-25
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ON XX/XX/XXXX my car was totaled in an accident. I have recently reached the conclusion with the insurance company and they have informed me that they have mailed a check to the loan service company XXXX XXXX XXXX. 

Well called this morning after attempting to access my account online to view the account for payments received ( I wanted to know if they have processed the payment sent by the insurance company, {$11000.00} ). The account this morning said I owed {$800.00} + dollars this would include the may payment and the XXXX I usually pay every two weeks. 

I then attempt to login again this evening I still am not allowed to log into the account online. I then try to make a onetime payment through XXXX XXXX of the remaining {$260.00} and was blocked. I then call the company select the choice to speak to a representative to determine what is going on with my account only to get a response that says, " It says that you all are unable to accept my call at this time? '' Their website clearly says that the call center is open until XXXX XXXX   EST, I called them at XXXX XXXX. 

I am just trying to make the next payment of {$260.00} that I pay every 2 weeks and to make sure they have received the check from the insurance company of {$11000.00}. The payment is not 30 days late until XX/XX/XXXX and I would like to pay what is remaining {$260.00}. 

PLEASE ASSIST ME IN CONTACTING XXXX XXXX XXXX, As I feel they will attempt to destroy my credit over some bogus charges that I can not even pay.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2021-05-04
Company: EQUIFAX, INC.
State: DE
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 : I noticed that the entire balance in my checking account ending in XXXX was transferred to another checking account ending in XXXX. 
XX/XX/2022 : The account ending in XXXX was closed. I never requested or approved it. Feeling frustrated, I called Chase customer service to find out what happened. I asked the representative why my account was closed without communication or consent, and if I can have the account restored because it's still linked to auto payments and IRS credit. I was transferred to a different representative three times. The last person I talked to mentioned that it was closed because it was compromised in XXXX. Yes, I know the account was compromised, so I FROZE the account that way no one can take money out of it and it remains PROTECTED. I had plans with the account. I even had a meeting with a local Chase banker to discuss what to do. Chase MUST HAVE communicated or, at least, informed me prior to the account closure, so I can PLAN. Why do I have to find this out myself? Does Chase even care about how customers would feel if their account is closed without knowing it? It makes me feel extremely FRUSTRATED to see my account disappears and all history of it is no longer accessible online. I am very DISTRESSED about the time and effort that I will have to spend because of this expected closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citizens Bank overdraft policy " it's up to the discretion of the bank '' that is the explanation given by someone in the chairman 's office. This makes it impossible for the average person to understand when an overdraft will occur. In the past six months I was overstaffed even when I opted out of the program Credit card payments made within 30 seconds of each other one was paid one was initially paid but returned 2 days later. 
Money spent on games can be denied but after an hour allowed Bank charges {$6.00} per day while account is overdrafted Several Payments made have been charged overdraft fee and a returned payment fee when they are retroactively returned Payment types can be denied one month allowed the next month Scheduled payments like newspaper subscription always allowed. 
The overdraft policy of " it's up to the discretion of the bank '' means the rules are fluid and not predictable. My XXXX makes me impulsive and the fluid rules make it harder to manage money. The end result is the bank collects hundreds of dollars each month. I haven't changed banks because I was trying to solve problems as a customer but with overdraft occurring even when i opt out of program I have no choice but to find another bank of keep money under mattress. Clearly the fluid rules that change from month to month make it impossible to manage overdraft and the daily overdraft account feed only add to the banks take from my pension.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

There are multiple addresses, inquires, and misspelled names that are attached to my credit report.

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 2022-03-17
Company: Block, Inc.
State: KS
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 have been dealing with cash app regarding XXXX fraudulent transactions since the first of XXXX I have contacted them daily since only to be lied to hung up on claims closed and now waiting on a provisional credit only to be lied to again when no credit has been issued. I have spent hours on the phone trying to resolve the XXXX transactions XXXX for {$67.00} to XXXX XXXX ( I have no idea who that is nor can I contact the company as accordingly to XXXX the company doesnt exist ) the other XXXX transactions are to a XXXX XXXX  XXXX is for {$9.00} which was found to be fraud and refunded the other for {$77.00} I still am XXXX for. I was told on XX/XX/2022 the provisional credit had been issued when I couldnt find it in my statement online or anywhere I called again this morning only to be told my case was closed and there are no updated. I asked to be transferred to someone in that department as I got through to XXXX person XXXX time only to be told by the representative that they only communicate via email. I need my money and I will never deal with cash app again. Its obvious that those are fraud as one has already proven to be. I would appreciate some help as I am at my wits end and just want my money back. The lies are unexceptable! I trusted them with my money only to have them refuse to keep my claims open long enough to allow for the investigation. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This account is a result of fraudulent activity. This account was excessively over charged overdraft fees and duplicate unauthorized transactions. The company is using a third party that I have no contract with to call me, send letters and add adverse information on my credit report. These companies together has caused me financial and emotional distress. This account has caused me to financially scared causing me to be denied credit and or charged higher interest rates with low tier creditors.

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 2023-07-20
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:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been communicating with Transunion for months I send them every single thing they ask for every time! Yet and still they come back with lie after lie! This is illegal, they will not remove the accounts on my report that are reporting as re-aged debt! This is seriously illegal by FCRA standards! Transunion refuses to work with me! It is excuse after excuse and theyre the only reporting agency doing this to me! I am completely fed up and will also be submitting a complaint to my attorney generals office! Please help me in getting through to these people, theyre doing everything they can to not assist me in disputing erroneous information on my credit report! I am livid and I am tired of going through the same things over and over again. I will be contacting the XXXX, the FTC, and my attorney generals office for the negligence from Transunion I am fed up.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: ND
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:
XXXX XXXX. Inaccurate and false info included in credit file.

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 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've previously filed a complaint XX/XX/22 - Complaint Number XXXX, against Capital One in regards to a theft of funds from my account, in which they responded on XX/XX/22 stating that I did not provide them with requested documentation. This is false, as I have the emails that were sent and received directly to XXXX. I was sent a letter from a Capital One Representative by the name of XXXX, who provided her number, extension and office hours. I've left repeated voicemails and she blatantly refuses to return my calls, It's now been more than 2 months and she is never available, and never returns my phone calls. I need assistance retrieving my funds that were stolen from my account, and Capital One has responded to the consumer complaint, but will not follow through when I contact them, as stated in the letter they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The issue is regarding XXXX  XXXX included in my monthly payments which I am allowed to have cancelled upon meeting certain qualifications. My Policy NoXXXX. 

I have requested termination of XXXX XXXX as we have met all the conditions to make us eligible as of XXXX, XXXX. To date, I have met all the requirements for elimination of XXXX  XXXX and PHH has acted in the worst manner possible to delay the elimination of XXXX  XXXX from my monthly payment. I have called them over two dozen times, sent them written qualification paperwork, and met all their stipulations but have been getting the run-around for 3 months with delays, no return calls or emails, bureaucratic bungling and every other possible means to discourage me from pursuing this right that is due me. 

I am requesting that CFPB sanction PHH for such sleazy practices and contact them to demand immediate termination of the monthly XXXX  payments on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
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:
XXXX XXXX has refused to remove a bogus address, possibly related to ID theft.

I have disputed this multiple times I have never been to New York I don't want to go to New York THIS IS NOT NOR HAS IT EVER BEEN MY ADDRESS, EVER!

Address XXXX XXXX XXXX XXXX, NY XXXX I SUSPECT ID THEFT.

Company response to consumer: Closed with explanation