BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XX/XX/2023 USAA took XXXX ( which was a provisional temporary credit ) from my Checking Account after the end of a dispute in favor of the merchant XXXX. 

I called in and had USAA re-open the dispute. 

On XXXX XXXX 2023, I received a letter from USAA stating that the dispute was in my favor and that I should keep the provisional credit as it is now permanent. 

On XXXX, XXXX and XXXX XX/XX/2023 I've called multiple times to find out when I will receive my money which was taken back in XXXX. 

Each employee I've spoken with has failed to give me a direct answer and act as if they are attempting to open another dispute or telling me to call back tomorrow. 

I am asking direct questions but getting " used car salesman answers '' in which they attempt to go back into what type of dispute or re-open the dispute. 

I want my money back that was taken and thats it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. 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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
XXXX; XXXX  and Transunion are reporting duplicate entries for a collection/charge-off in the amount of XXXX on the the XXXX XXXX  – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.

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 2021-05-12
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: Was not notified of investigation status or results

Complaint:
On several dates ranging from XX/XX/XXXX-XX/XX/XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and XX/XX/XXXXXXXX breach and have got no response.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX IN Account Number : XXXX Please remove it from 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 2019-10-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Under certified mail receipt no. XXXX I wrote a letter to Specialized Loan Servicing, dated XX/XX/2019, received by Specialized on XX/XX/2019. This letter concerned Final Payment of this Loan, Release of any Liens related to this loan, my dispute of two charges to my account in the amount of {$25.00} for each of the two charges, recording fee in the amount of {$92.00} and the amount of {$130.00} held in suspense. To date I have had no response to this letter. Previous correspondance on the final payments to my account had been sent on XX/XX/XXXX. 

The Statement with Closing Date XX/XX/2019 shows that the loan has been paid in full, does not explain the XXXX amount shown in the previous balance and does not explain the status of XXXX amount that was classified as suspense on the Statement with Closing Date XX/XX/2019. 

The XX/XX/2019 Statement showed a balance due to me in the amount of XXXX. The XX/XX/2019 does not account for the XXXX suspense amount and does not explain how the XXXX credit amount became 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed con- sumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
( Collection ) XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX  Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 at approximately XXXX XXXX I applied for a credit card with PenFed because I met the requirements to apply. Upon submitting the application, I was instantly denied due to what can only be described as discrimination. My income is high and my housing expense is low so there is no valid reason for the denial. 

When I called the customer service department at XXXX to inquire, I was told that my credit card utilization was too high and my credit age was too young and that even if I had access to higher lines of credit, it's possible for me to use all of the credit and that's why my application was denied. 

Under the XXXX, a potential creditor does not have the right to deny an applicant that applied in good faith effort due to discrimination. This is not the first time I have been denied any lines of credit from this organization as I have XXXX inquiries that are listed on my credit report and only XXXX that was authorized by myself. But PenFed refused to reconsider or remove the inquiry I did not authorize.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The creditor reported my payments late in XXXX and XXXX. The creditor was having system issues which did not allow them to report any payment history to the credit bureau since XX/XX/2022. I also would have issues paying my account online that I had to call in and pay my bill with a representative. The representative waived XXXX XXXX  of late fee due to their system issues and I paid my balance down to XXXX XXXX I don't feel I should be penalized for their system errors.

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 2022-08-17
Company: EQUIFAX, INC.
State: MO
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:
Again, I was a victim of identity theft and this compalint is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ), the Credit Bureaus are required to remove/block any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information some XXXX XXXX provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the XXXX XXXX XXXX that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
MCM debt collection company has been spam calling my phone from hidden numbers and blocked numbers. Ive asked for proof that the debt is mine and belongs to me which I have yet to receive from the company via email and phone. When they sent their first email I requested to not be contacted any further. Theyve been contacting me via email and phone claiming that I owe over {$600.00} to them from my XXXX card. My card had been used to purchase items that never were successfully delivered to me, therefore I am requesting proof of purchase since all deliveries required signature on delivery. I am willing to pay the fees if the debt can be proven as mine. 

But I do feel this company MCM and XXXX XXXX bank has been repeatedly harassing me and MCM have even threatened me with various deceptive and false statements such as telling me they would have my wages garnished had I not worked to pay them or came to an agreement with them. MCM was very difficult to work with and come to agreements with .The company continually has violated FDCPA. Their means of communicating and contacting are very abusive, harassing and oppressive. When it was expressed that I was having a difficult time following and understanding the workers were very hostile and rude. They did not politely help me come to an understanding of what was being asked of me. In fact, when I asked questions the workers would get angry. They stated calls were recording so hopefully it can be reviewed for quality purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: CA
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:
It seems that my credit file with Experian and XXXX has been compromised. Upon reviewing my records, I've noticed numerous entries that are not associated with me. As I am meticulous when it comes to research, I've discovered that, according to section 605b of the FCRA, the Credit Bureaus are legally obligated to remove these unauthorized inquiries, which have resulted from identity theft. These disputed inquiries are not part of my history. I've attached the necessary FTC Report and the bank 's records, as both parties necessitate them based on my further research. Kindly proceed to eliminate these inquiries. If there is a chance that these inquiries are legitimately mine, I will require all documentation bearing my signature. My research has indicated that you are required to verify these inquiries with 100 % accuracy to confirm their authenticity, correctness, completeness, and verifiability. Failure to provide any records and asserting that the inquiries are verified would compel me to pursue legal action. I do not tolerate games, and neither does my attorney. Therefore, I kindly request that you comply with the law to expedite the resolution of this matter : EXPERIAN : 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 2023-01-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo has completely denied opening accounts even through correspondence on this website though there are no signatures on those applications created through a store in XXXX and online. They even sent their CFPB responses to the wrong address though I have remained in constant contact with Wells Fargo bankers in XXXX XXXX XXXX, XXXX  and now XXXX XXXX XXXX  I have always ensured that my address was updated. Then they claim that this is an issue of identity theft. Why did I ever have so many debit cards open on my account?

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 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Several weeks ago I attempted to link an external account so I could transfer funds from my Capital One account to an account at XXXX. I received no communication from Capital One that the linkage was not successful but did not see any microdeposits. I called at the time to inquire and no one could see the attempt or tell me what happened. This weekend, I tried to set up the linked account again but was getting an error message on the mobile application. I was told to try to set up in the online application instead of the mobile but it would still not go through. I spoke with a manager who information me that it could not be set up due to an internal glitch at Capital One and that she would send the information to the correct internal department to resolve and to try again on Tuesday. When I tried this morning, I received the same error message. Upon inquiry and discussion with a manager I was told that this was due to security reasons but that nothing was restricted with my funds. I asked if I could speak with someone in the fraud area to help me understand what the issue was and was told that wasnt possible. Since an external transfer could not be set up, I inquired as to whether I could wire the funds and was told I could, however, there would be a fee. I asked for the fee to be waived and was declined. I asked to escalate this request and was told that wasnt possible I was speaking with the highest level. I noted I would remain on the phone until I had a chance to speak with someone about the request. The manager put me on hold for about XXXX XXXX while she got someone and then hung up on me. I called the fraud department and was transferred again and was told the same as before. I hav e spoken with the Bank that the funds would be going into and they are not sure why this is not able to be done as everything looks ok on their end. I have been a customer for 20+ years and have what ( to me ) is a significant relationship with the Bank XXXX They arent paying the most competitive rates and I feel like they are now holding my money hostage making it difficult to set up an external transfer because they dont want people moving funds out of their account. Perhaps they are blocking transfers from going to competitors that are paying higher rates. I also cant believe that a 20+ year relationship when I have asked for next to nothing from the Bank is not worth a waived wire transfer fee. That is sad and I am disappointed that I now need to find another bank to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: PA
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:
Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : 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 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 2022-11-12
Company: EQUIFAX, INC.
State: NV
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation