BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: VYSTAR CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Vystar Credit Union ( XXXX XXXX XXXX XXXX, VyStar XXXX, XXXX, FL XXXX, XXXX ) mobile and online banking systems have been entirely unavailable since XX/XX/2022. Since then, members have been unable to check account balances, move money, or pay credit cards. Further, transactions were completely stopped for an entire week. On or about XX/XX/2022, Vystar sent notification to its members that internal transfers were still unavailable, but credit payments could be made through an external transfer. However, access to online accounts is still virtual impossible, with online queue times over 4 hours simply to log into accounts. Further, all money management operations have been unavailable. As this is a regional credit union, suggestions to visit branch locations have been impossible for me, and I am sure other people. Telephone help and money management also has been virtually unavailable. I can not access my money, pay off my credit card, or pay my bills because I can not access my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2021-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dear Sir/Madam, I have been Citi card members for a long time. I do not agree the way they treated me and perhaps others too. When I called their customer service for lowering my credit limit or closing my account without notifying me - why they are planning to close they arbitrally closed my account for Thank You Preferred Car ending on last 4 digit of XXXX. 
There reason was I did not use for 18 months when I called but I had just used it on XX/XX/XXXX and charged {$670.00} which their statement shows. 
Today XX/XX/XXXX I called them they said it was already closed and they would not reactivate my account anXXXX XXXX XXXX XXXXe I have to reapply- which will cause a credit inquiry and thus lower more my credit score. 
On this card they had without notifying me they had decreased my credit limit from XXXX to XXXX and now closed it. 
They rely on the worst Credit Bureau XXXX  which consistently gives lowest score among all 3 bureaus. I am sure XXXX does that to many more customers data. We all know they had the worst data breach. 
They had lowered also my XXXX XXXX card credit limit from {$5700.00} to XXXX and now {$1300.00} XXXX They also closed my XXXX XXXX XXXX without giving my any advance notice. 
I have always paid my bills on time - yes I do have higher usage of credits but they have been closing or reducing my credit limit which negatively affects my score. 
They are quick to jump on customer and they do not inquire what is going on before - they seem to just rely on numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 my Citibank account was closed due to a deposit not in my name. Prior to the deposit I had roughly {$7000.00} in my account The deposit had brought my account to a total of {$9000.00}. {$5000.00} I had sent to myself from my XXXX  because I felt that much money wasnt safe in that account since its not connected to a real bank I also sent myself {$500.00} from XXXX, I received a pAycheck in the amount of {$900.00} from the federal government and I just received my state taxes at the beginning of the month in the amount of {$1300.00} the bank closed my account and said I would receive a check in the mail that following Monday no check came I called and went to the branch and was told to wait for a letter I received the letter stating my account was closed the bank discontinued our relationship and would refund any money in the account prior to closing I at risk of losing my home I already borrowed as much as I could from family I have XXXX kids I keep calling the bank and getting hung up on no one wants to tell me where my money is or when a check will come in the mail. When I do get someone on the phone they tell me I have an available balance of {$18.00} thats all they can tell me and when I say my account had $ 7000+ the reps response is oh wow thats a big difference but sorry I wish I could tell you more. Everything I had was in my account everything I have nothing I already lost half of everything and had to have my kids stay somewhere else because I cant feed them and their home will be gone soon. I didnt know letting my step son deposit into my account would do this Im sorry I just need my money back I was told at the branch I could get my money bank but when the manager tried she said my account was still in the process of being closed.

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 2023-06-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
3rd ATTEMPT On XX/XX/XXXX I signed a refi on my property via a broker and 2 witnesses at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX to be picked up with pout check due to machine problems Picked up check/over XXXX missing told credit score and XXXX mins before closing received call from agency stating credit score slipped more in interest. Demanded closing dics again machine problems, Docs TO BE MAILED. Never received copy of XXXX mortgage or closing Documents/ Finally told ALL DOCS LOST IN HURRICANE WILMA On XX/XX/XXXX a {$160000.00} mortgage closing took place at XXXX  XXXX XXXX XXXX XXXX XXXX without XXXX XXXX knowledge, consent and authorization of any kind. The same notary on the XX/XX/XXXX mortgage is the same notary on the Fraudulent XXXX mortgage. Also present at this XXXX closing was a witness who also participated in the XXXX closing. All done via IDENTITY THEFT I have documents that spell out " A SCHEME TO DEFRAUD '' On XX/XX/XXXX I found out the truth and upon further inspection of the clerk of Court XXXX XXXX found the following facts a, Discovered a XXXX {$130000.00} Mortgage electronically filed b.XXXX  XXXX XXXX Satisfaction pf XXXX mortgage c/Phone call to XXXX  &  XXXX who forwarded an unsigned settlement statement d, Found {$11000.00} theft in XXXX mortgage e. Electronic filing of a fraudulent mortgage to XXXX XXXX Clerk of XXXX Court on XX/XX/XXXX f.After too many calls to XXXX XXXX XXXX was able to bring the XXXX closing Documents safe RETURN from Hurricane Wilma ALL XXXX  pages. g.Confirmation of the XXXX mortgage THRFT was confirmed witg a signed settlement statement that dame back from Hurricane Wilma. And all done with DELIBERATE DECEPTION OF DOCUMENTATIONs. Was I Profiled?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
In response to CFPB complaint ID XXXX, TransUnion falsely states that my Vantage XXXX credit score, which decreased and dropped by XXXX on XX/XX/2023, as a result of removing and deleting the derogatory collection account from XXXX Associates XXXX TransUnion intentionally deflected responsibility for my XXXX XXXX credit score 's decrease to a third-party. This is untrue and deliberately false. I have attached a screen shot of my credit score from TransUnion itself, which shows that TransUnion itself calculated the XXXX XXXX score -- it was not calculated by a third-party company. TransUnion also falsely asserts that I am claiming they make credit decisions. I am fully aware that credit decisions are made by the credit grantor, who obtains my credit score from TransUnion -- and TransUnion 's XXXX XXXX score that TransUnion calculates. As previously stated, TransUnion deleted and removed derogatory collection account XXXX Associates from my credit report on XX/XX/XXXX. This was the only change that was made to my credit report that day. As a result of removing this derogatory collection account, TransUnion 's XXXX XXXX XXXX XXXX, provided to me as part of my TransUnion XXXX XXXX XXXX and attached as a XXXX file to this complaint, decreased and dropped by XXXX points. TransUnion is doing nothing more than passing the buck and playing the 'it 's not our problem '' merry-go-round ride. When removing a derogatory collection account from my TransUnion credit file, and this was the only change made, my TransUnion XXXX XXXX score should have increased. Instead, TransUnion 's credit scoring system is penalizing me for having the derogatory collection account deleted from my credit file. XXXX XXXX credit scoring system is a scoring system developed and maintained by TransUnion, and TransUnion is falsely and knowingly lying by saying a third-party is responsible for the calculation of my XXXX XXXX credit score. Additionally, once more, I called TransUnion 's XXXX XXXX XXXX customer service phone number on XX/XX/XXXX, and I received offshore representatives who speak XXXXimited English and did not understand the situation explained to them, because they can not clearly speak or understand English. When asked to be transferred to a United States representative and/or a supervisor or manager, each offshore customer service representative says they can not honor this request and/or they will arrange a callback within XXXX hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting and the following accounts below 15 U.S.C 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX  {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX {$89.00} XX/XX/XXXX XXXX XXXXt {$160.00} XX/XX/XXXX XXXX XXXX  {$160.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 just received notification that capital one made an inquiry on my credit report yesterday for a new credit card. They said the application was done online. I did not make this application and I do not know who may have made this application. The card is being sent to an address that I do not know neither is it listed as my address on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2023 I received a letter from XXXX XXXX XXXXXXXX, Wisconsin informing me new fees have been applied to my account : Charges to your account are effective as of the date of this letter. The letter is dated XX/XX/2023. 

The new fees applied are : ( a ) {$1.00} Monthly XXXX service fee when the account balance is less than {$3000.00} ( b ) {$25.00} account closure fee payable when the account is closed. 

I received no warning of the new fee schedule before the fees were applied. 

I received no option to close the account without paying the {$25.00} account closure fee. 

The fee schedule is explicitly addressed in the CFBP 1034 ( c ) Advisory Opinion published on XX/XX/2023. 

I am requesting the CFPB advocate on my behalf to compel XXXX XXXX XXXXXXXX, Wisconsin to reverse all junk fees and provide an option to remove my funds and close the account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, 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