BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment to my account paying my account in full, but the company has not yet posted my payment and refused to tell me when the funds will be available for use. 

Further they refuse to provide me my account statements for review. It would be helpful if : 1. PayPal and/or Synchrony were transparent in how payment processing worked & when payments will be available for use. Holding my credit payment w/out allowing use of the account feels very UDAAP. Especially w/out any notice. PayPal is notorious for nesting critical account information in Terms & Condition.

2. I had access to my statements. The Company pushes me to do business electronically, but does not have the ability to allow me to view statements online or email me copies of the statements. 

About a month or so ago I called because there was a {$300.00} missing payment. The agent was unable to explain to me where the funds went.

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 monetary relief
Consumer complaint received 2022-06-01
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called KeyBank to get overdraft fees resolved after not overdrafting for almost a year next month and was refused I have a great relationship with the bank I get direct deposits every two weeks and I spoke to a person named XXXX that refused and I got a reference number XXXX and her employee ID is XXXX I was hoping that we could resolve this issue I was only asking for 50 % of the overdraft fees to be recovered due to personal hardships and bills I overdrafted and asked for help and was refused even after saying that I would make a complaint no resolution was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: TX
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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2017-12-12
Company: LendUp Loans LLC
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:
inquiry were not removed

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 2023-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I reached out to USAA on XX/XX/2023 to request a temporary increase to my daily transaction limit so I could complete a one time purchase. I was told that I could not increase my transaction limit due to an " xp '' code placed on my account. So I was forced to complete the large purchase using a completely different card and account. After I did so, I went back to my USAA account and attempted to transfer the funds to cover the the large purchase into another account to cover the large purchase. However when i attempted to transfer the funds from my USAA account electronically I was not able to do so. I then attempted to transfer the funds via XXXX transfer and USAA would not allow me to use XXXX either. I spoke to 3 different agents with USAA in an effort to successfully transfer MY OWN MONEY out the USAA account and into my account at another institution but they all state that my account is restricted from these types of transfers for at least six months!!! I have $ XXXX in my USAA account which I need to access and transfer to another account and USAA is not allowing me the ability to do so and they are essentially holding my money hostage. On XX/XX/2023 I spoke to XXXX with the " member resolution department '' and I asked her how I could withdraw all my funds and close my USAA account immediately and she advised that was impossible and the only way to do that would be to wait for a check to be sent from corporate. I am essentially being restricted from accessing my own money by USAA and their unethical " policies ''. I was also told I could go into any physical bank and request a cash advance from my debit card and I asked if I could withdraw all of my funds this way, of course I was told no as my cash advance limit was only $ XXXX and could not be raised. USAA is 100 % holding my own money hostage from me and this type of practice can not be allowed to continue at the expense of regular people. I've wasted hours over the past two days simply trying to access my OWN MONEY but USAA is preventing me from doing that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Four Visa prepaid debit cards were purchased for my personal use at XXXX grocery store around XX/XX/2022. Each card was initially loaded with {$500.00}. Shortly after purchase I registered and activated the cards at XXXX At or around XX/XX/XXXX I tried to use the cards at XXXX and the cards did not work. At this time I called the number on the back of the card and spoke to a representative. The customer service representative said that the card was potentially compromised and a new card would be issued. I verified my personal information including address with the rep and she said a new card would be sent out and arrive within 1-2 weeks. I repeated this process for all 4 cards. 

The four replacement cards never arrived after 3-4 weeks, so I called in again. The rep said that the cards may have been lost in the mail and that new replacement cards would be sent again. Again I had to make this same call four separate times for each card. 

After another 3-4 weeks passed, I had yet to receive any of the cards so I called in again. The rep again said the cards might have been lost in the mail and that she would need to replace a second time. At this point I did not believe these cards were lost in the mail as the likelihood of this happening 8 times is extremely small. On all four separate calls with customer service support I asked to speak to a supervisor - and all four times I was told they were either on break or busy with another customer. The rep each time assured me this would not happen again and processed a replacement for me. I had to repeat this phone call 4 times ( they can't process more than one card at a time ) Amazingly, after another 3-4 weeks these cards again never arrived. At this point my frustration is through the roof and I called about 2 of the cards. The rep for each card said that it would be best to change my address on file to see if the cards will arrive at a new address. For these two cards I updated my address to a XXXX box I own. I received a change of address form in the mail but after 3-4 weeks the replacement cards still haven't shown up. 

Over 3 months have passed since the original purchase of the 4 {$500.00} cards and I've attempted to replace 2 of the cards 4 separate times and the other 2 cards 3 different times and nothing is working. I believe I have gone above and beyond to attempt to resolve this with the company and I would appreciate any help to resolve this matter. 

I can provide all card # 's when necessary. I still have they original 4 physical cards in my possession. Ultimately I would either like these cards activated so that I can use or 4 new cards to be actually sent to me.

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 monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. I have attached a copy of my identity theft report filed to substantiate my claim. Your prompt attention to this matter is crucial to mitigating the damage caused by this identity theft and restoring my creditworthiness. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed XXXX XXXX XXXX from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have found several accounts listed on my credit report that I did not open or authorize. These include credit cards, loans, and other financial accounts that do not belong to me. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.

Company response to consumer: In progress
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have a loan with XXXX XXXX. I have been making my payments mostly on time. I believe this year I have fallen behind 3 or 4 times. I am even on autopay as of XX/XX/. This company has been reporting me making late payments because I make agreements for a lesser amount of what is owed. This is not a late payment but a payment arrangement. I have tried calling and refutting this information but they say this is a valid status. I even tried making a dispute with Transunion and they did not change the status back. This has been happening for 3 years and doesn't make sense. Can someone look into this for me?

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 2023-12-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am banking with HSBC. I tried transferring money to myself ( my own account ) in another country on XX/XX/XXXX but the bank blocked it and reported it as fraud. I called them and they kept saying in order to protect the account the fraud system suspected fraud even though this transfer is to myself! 
In addition, they block the money and did not make the money available back in the account until after XXXX hrs. 

Again on XX/XX/XXXX i initiated a transfer to my cousin who needs support and the bank blocked it again for suspected fraud, when i called them they said that i need to call them every time before i do a transaction so it doesnt get blocked! 

This is no longer fraud protection but rather infringement and oversight of the account blocking any and all transactions! 

In addition, they keep the blocked money on hold with them for XXXX where i lose interest and lose time receiving the money. 

All of this happens even though i have to securely login and generate an XXXX to initiate the transaction which obviously proves that this is a legitimate transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, there was a charge for tax services by XXXX XXXX XXXX NY for {$570.00}. I filled a dispute on XX/XX/XXXX with the credit company ( citibank ) as this merchant is a fraud and does not have a license to provide tax services. I explained this to the credit card company and they said they had to reach out to the merchant first. The credit card company sided with the merchant on XX/XX/XXXX even though they could not provide me any documents that the merchant give them to show he provided tax services legally. I been trying to speak to a manager at citibank to handle this issue, but have been unsuccessful. I have reported this merchant to reportfraud.ftc.gov. I also will be reporting the merchant to the IRS for improper tax preparation. 

I have attached the receipt, I have an email asking for a following up from the merchant. I made phone calls to the merchant with no call 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 2023-12-16
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, a collection from XXXX XXXX showed up on my consumer credit report. I let XXXX know, and I was told it was removed, but have had no confirmation.

Per HIPAA, the FCRA and the privacy act of XXXX, as a federally protected consumer, This violates my right to privacy. This has led to a great deal of emotional and financial stress in my life. I have attempted to contact XXXX on numerous occasions, and have had no success. I want this situation resolved immediately. I have waited to long, and have suffered a great deal of stress already.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: VA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 Section 602A. 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 explanation
Consumer complaint received 2023-12-16
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:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: WI
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 been going back and forward with Experian about accounts that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask experian to send me documentation with proof of how these accounts are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent accounts and personal information Experian is posting : XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX 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 2023-12-16
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE 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