BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: DISCOVER BANK
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX, my previous banking, XXXX XXXX XXXX Bank ( in the northeast ) was acquired by XXXX XXXX XXXX Bank. Due to certain fees and other rules that came with my funds staying in XXXX & XXXX accounts, I had decided to take my funds out of the account and move them to a HYSA ( High Yield Savings Account ) and split the other into a checking account through XXXX XXXX. I chose Discover for my HYSA, and moved around half of my funds ( XXXX ) into this account from my XXXX XXXX XXXX Account with no issues. I then worked to close my XXXX XXXX XXXX Bank account and transfer the money over. I had some issues transferring the funds, as I attempted to transfer the rest of my money in the XXXX & XXXX account over ( {$4600.00} ). However, due to some unrelated issues regarding me accidentally transferring more than I had in the XXXX & XXXX account at the time ( due to an automatic bill payment occurring in the process ), there were some issues in transferring. Ultimately, I was able to take my money out of my XXXX XXXX XXXX  account in Branch in order to prevent this from reoccurring and deposit it into the Discover account ( on XX/XX/22 ). However, in this process, Discover removed my access to my account immediately after, and when I called later that week, I was told my account was closed due to a " business decision '' and that I would be sent the money within the account by the end of a 30 day period. This, however, did not occur and I failed to get any help from the organization. On XX/XX/22, I was able to access my account online, but was only able to see that I had money in this Discover account. From this point, I was unable to remove any funds even after Discover had told me they had closed it. It appears this account is in some sort of limbo that was supposedly resolved in XXXX, though I still have No access whatsoever to these funds. I have attached XXXX documents labeled in order from 1-3 : 1 is the original message confirming my deposit on XX/XX/22, XXXX is a message saying the deposit would be delayed due to the amount ( XX/XX/22 ), and the third a message from today showing what occurs when I attempt to withdraw or transfer funds ( an issue that others I know with a Discover HYSA do not have ). Thank you to whoever reads this, I appreciate your time and hope this can help me get all of my savings back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: AZ
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:
I was a XXXX XXXX member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, XXXX returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my XXXX account was paid in full. During this time, XXXX Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on XXXX 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my XXXX XXXX by more than XXXX points overnight. 

I contacted XXXX Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. XXXX refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not XXXX. I changed my address with XXXX XXXX and the post office in XX/XX/XXXX when I moved. XXXX XXXX told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up. 

I am extremely disappointed with XXXX XXXX Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on XXXX XXXX Services. I will never recommend XXXX XXXX or XXXX to anyone. Please share this with anyone wanting to shop at XXXX for XXXX. Help me fight back.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: ALLY FINANCIAL 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX You are direct violation of The Fair Credit Reporting Act ( Ally Financial Account number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A, clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Collection Agency : XXXX XXXX XXXX XXXX Original Balance {$620.00} Original Balance Accounts name : Original Creditor XXXXXXXX XXXX Reference Number XXXX Date Account Opened XX/XX/2018 Original Account Number XXXX Brand Name Indigo XXXX XXXX took by the company for nothing

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 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Account Numbe XXXX XXXX XXXX on XX/XX/XXXX I wrote a letter to capital one regarding a charge I disputed. Never heard nothing back then wasnt to sure what to do but was told I had to XX/XX/XXXX to pay the amount that was overdrawn and prevent it from being closed. When I tried to use my Online account to transfer fund I logged in online to see that the account was already closed on the day of the XX/XX/XXXX. 
By then I was more concerned with being reported to the credit bureaus and XXXX XXXX XXXX. So when I called the week before I said I would make a payment on XX/XX/XXXX but when I went to the branch they where having issues or the power was out something to that effect. 

As the collections department they where already closed I knew before when I called I had until XX/XX/XXXX from my speaking to the agent in the collections department to bring the account positive and when I tried to that day it was already closed when I tried using the ATM card at XXXX to load funds on the account using a XXXX XXXX XXXX for XXXX so I called back and asked what I had to do. Said pay the overdrawn balance which I did by phone on XX/XX/XXXX. But the representative told me that you need to call a few days before the account closure date to prevent from it closing. I was not told that the first time I called. I was told the first time I had until the end of the business day on XX/XX/XXXX to prevent from the account closing and being charged off. 

So on XX/XX/XXXX I made a payment via check by phone to clear up the balance and then reopen a new checking account. I was told after you pay this you would be get a for a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Genesis FS Card Services, 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 status incorrect

Complaint:
I opened a Milestone credit card a few years ago to build my credit up. Once I had good credit, I requested to cancel this credit card over a year ago, but a few months ago I found out I was still being charged for it.I called to get confirmation of cancelation and asked for a a letter stating it was canceled. I also asked for them to reverse the reporting. They are still reporting incorrect information even though this card has not been used by me in over a year and has been closed. This company is falsely reporting information on my credit report. Please remove. They are not only reporting under XXXX XXXX XXXX but also under milestone. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Security Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SECURITY CREDIT SERVIC has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. SECURITY CREDIT SERVIC has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
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:
These are fraudulent accounts. The IRS has determined that I am a victim of identity fraud starting back in XXXX. I want these accounts removed from my credit profiles because they are not mine.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to Hunter Warfield themself as stated in the previous Consumer Financial Protection Bureau complain " the last time that Section 8 paid the consumers rent was on XX/XX/XXXX ''. This date is the last date of delinquency, however Hunter Warfield is reporting the last date of delinquency as " XXXX XXXX XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX ''. 

In accordance with the Fair Credit Reporting Act ( FCRA ) If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was XXXX in XXXX, however, a CRA may report it for 10 years. I have never had a XXXX 

Hunter Warfield is going by the date that the so-called collection account was placed with there not so legitimate company, instead of the date of delinquency given to you by the CREDITOR, which is against the ( FCRA ). Hunter and Warfield is attempting to re-age this account so that this account stays on my credit report longer than it legally should, an offense punishable by a lawsuit with punitive damages plus lawyer fees accrued. 

Warning Warning this is the second ( 2nd ) Consumer Financial Protection Bureau complain filed against this company, the first being un-timely verification passed the 30 day time allowed. I intend to SUE this company if the account is not deleted from my credit report due to fraudulent and deceptive credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Nelnet, Inc.
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AN THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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

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 2023-07-31
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX closed my account ending in XXXX with an outstanding balance of XXXX which was paid in full by consumer on XX/XX/2022. I received faxed letter from XXXX XXXX XXXXXXXX that account paid in full. I was not notified in that letter that there was " Suspected Fraud Activity ''. Since there is no outstanding balance for account ending in XXXX, the issue is the notation of " Suspected Fraud Activity '' related to that account which Chex Systems and XXXX XXXX XXXX are reporting and therefore causing harm to me the consumer ( preventing me from opening any other bank account ). This " Suspected Fraud Activity '' notation totally contradicts the statement in XXXX XXXXXXXX XXXX 's response letter ( attached ; page 2 ) which states " Our records do not show any fraud claims being filed with XXXX XXXXXXXX XXXX against any transactions on the accounts reference above. '' XXXX XXXX  XXXX submitted transactions which supported this statement. Why is the " Suspected Fraud Activity '' being reported which is causing harm to the consumer. This ongoing harm is a violation of my right to privacy as well as violating my other federal rights. Since XXXX XXXX XXXX has demonstrated that there are no transactions supporting fraudulent activity, the " Suspected Fraud Activity '' noted is an inaccurate description and must be deleted.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please review the attached documents. I request the bureau to commence an investigation into these accounts, which I am never late for, but are inaccurately reported as such.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of 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

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 2022-12-26
Company: Experian Information Solutions Inc.
State: TX
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
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:
account XXXX XXXX XXXX XXXX XXXXXXXX XXXX 45 days ago I ask to the credit bureau to do an investigation. they said it was verified. 
but after doing my own investigation I saw they did not. 
delete this charge off for inaccuracy because the date of last payment reports XX/XX/XXXX XXXX XXXXXXXX XXXX on Experian, and XXXX XXXX XXXX 

thanks

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 2023-07-23
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my home mortgage loan ( Mr. Cooper mortgage company ) a month ago, in XX/XX/XXXX, and received a letter at the end of XX/XX/XXXX, confirming this along with a promise to stop the automatic biweekly withdrawals : {$2900.00}. I was surprised to find out that the automatic withdrawal continues on XXXX : XX/XX/XXXX and called customer service. I was told, that it is a computer-related problem and promised to be reimbursed within two weeks. Instead, I found out that the next withdrawal on XX/XX/XXXX was made by XXXX XXXXXXXX XXXX company again. The customer service is very rough and I go nowhere so far. Please assist me. 
Thank you in advance.

Company response to consumer: Closed with explanation