BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: DISCOVER BANK
State: TX
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:
Over the last year I have contacted XXXX about the error on thier discover entry on my bureau. I have also contacted discover. This account is full of errors as I have always paid on time and am still today. 

The attached letter indicating my account being erroneously reported has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: TN
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 applied for a car at the car dealership and I had alot of hard inquiries. XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/31 I applied for a credit card with US Bank. The allowed balance was way less than applied for and the card was immediately sent to me. They are now trying to do two hard inquiries to increase the balance to a reasonable amount. The terms and conditions did NOT make it clear how the process works, and that automatic underwriting would be wildly different than a manual underwrite. I spoke to XXXX, the branch XXXX at the XXXX XXXX XXXX and she didnt care and gave me an attitude as soon as she realized I didnt apply in person.

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 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS XXXX XXXX XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXXXXXX XXXX, OR CAPITAL ONE AUTO FINANCE. THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT.

SECONDLY, I DID NOT AUTHORIZE XXXX  OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX  XXXX  XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX/XXXX  Account # XXXX, Account Name XXXX  XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX/XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX Account # 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

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: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX A 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-12-21
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mailed a check to XXXX XXXX, Texas for paying taxes. They do not accept any online payment. The check was stolen from the mail, manipulated the payee and amount. The original amount was for {$13.00}. The new amount is {$1900.00}. It appeared on our online statement and we called the same day to report it, which was XX/XX/XXXX. Citibank told us it hasn't been cashed yet, and took the fraud report and told me that the money will be reversed in 24-48 hours. I received a call today, XX/XX/XXXX and was told that Citibank made a mistake and that it had been cashed since yesterday 's report. They transferred me to someone in the XXXX to make a complaint. I can't even file the report for another 24-48 hours if I look online. If I wait for the mail, it's 5 - 7 days. I told them it is clear that the check was manipulated and we filed the report immediately. They said this isn't their fault and the maybe after the investigation I might get my money back in 90 days. 
In addition, my account is frozen, so I do not have access to any of my funds, and it's 4 days before XXXX. 
As a large bank, I feel the burden is on Citibank to ensure that documents are not manipulated before they pay anything out especially since they claim this happens every day. They put the burden on the consumer to prove this was not a payee or amount that I meant to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I received two bank-wires via Wells Fargo from XXXX from one individual in XXXX for purchase of a product- a XXXX. The buyer asked me to cancel the order and to refund his money as I was in the process of sending the instrument but stopped it in time. The total cost of the XXXX  was close to {$5000.00}. He sent me two wires 14 days or so apart for {$3400.00} and then again for {$1500.00}. I told him I would happily return his money but because I was a little suspicious agreed to reverse the wire and send the funds back to the original sender. Which I did by telephone and completed with two confirmation numbers. Two weeks later the buyer said he had not received the money. I called Wells Fargo 4 different times and was told 4 different reasons as to why NO ACTION HAD BEEN TAKEN toward refunding the money. Culminating in one final call yesterday the person stated they had no record of the confirmation numbers and that I would have to go in person to a WF branch as wire reversals could only be done in person- this response entirely different from the other 4 calls. The WF branch near me is by appointment only and the next available date is 5 days from now. The banker had no explanation how I could have gotten four other misleading answers.

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 2023-12-21
Company: VYSTAR CREDIT UNION
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The company has violated the 5 year Statue of limitations and filed a motion to garnished my wages. Before, reaching the statue of limitations, I have attempted to work with the creditor and they rejected my offer to resolve this matter.

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 2019-10-29
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 I transferred {$390.00} dollars from my XXXX account to my M & T bank account like I have done many times in the past except this time it never showed up in my M & T bank account. XXXX charged me {$4.00} for the transfer to be instant but I never received my money. XXXX performed numerous traces on the transaction but every time they came to the same conclusion that the money went to M & T bank and thats all they can tell from their end. XXXX says M & T bank must of put the money in someone elses account. XXXX gave me a tracking number and said the bank could use it to find my money but the bank said that number was useless to them and they didnt know what happened to my money. I made several phone calls to them and they were less than helpful. Nobody at the bank really even tried to help 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 explanation
Consumer complaint received 2022-06-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. In XXXX of XXXX I received a letter in the mail from Credit Collection Services. This collection agency claimed that I owe {$7000.00} to XXXX mobile services. I called XXXX and a representative said that I owe no such amount. The only service of XXXX I had was XXXX, which was paid monthly and cancelled before I sold my house. The representative said accruing that amount would be impossible, XXXX  would cancel the account long before. 

I researched credit collection services and according to comments on XXXX  is an obvious scam, bullying people into paying debts they do not owe. 

Unfortunately this is on my credit report and I can not buy a house due to my credit score tanking XXXX points. 

I contacted XXXX XXXX in XXXX XXXX as recommended by my real estate lender and they said a few months ago that the debt should be off of my account but that it is out of their hands at this point. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they are a debt collection and that I owe {$7000.00} to XXXX XXXX. 

I do not know what to do at this point so I am reaching out to every avenue I find. Please help me get this off of my credit so I can move on with my life, thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 from the attached credit report. ) This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/23 I maid a payment in full to my Ulta Beauty Credit Card ( Comenity Capital Bank ). My account had a previous balance of {$170.00}. I made that payment in full expecting no more fees or payments on this card. Unfortunately, on XX/XX/ they charged me a " minimum interest fee '' instead of the regular interest charged. My billing statements show this as a " Fee Charged '' instead of " Interest Charge '' Every month after that, they have charged a " minimum interest fee '' plus a late fee because of this hidden fee that I did not know to pay. This morning ( XX/XX/ ) I received and email from them telling me my account was delinquent and that I need to pay the card. I called their customer care number and ended up paying the card again which had accrued a balance of {$30.00} in the last 3-4 months from " minimum interest charges and late fees ''. I also asked them to close my account. They did tell me I need to check my account again for any interest they may charge in the meantime. 

This " minimum interest fee '' had not been charged on any statements prior to paying off the full balance on my card. 

Comenity Capital Bank is charged me interest fees despite the card being paid in full. I do not want to do business with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: Medical Data Systems, 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:
XXXX continues to report fraudulent account information on my credit report and refuses to actually verify the information. They will not provide any physical evidence of a actual investigation and they will not accept any documents proving these accounts do not belong to me thats over XXXX, basically any documents on a standard piece of paper would be, under their guidelines too large for them to accept! This is absolutely crazy! This has been going on for 3 years, the stress and damage they have caused is mind numbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Block, Inc.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Cash app took XXXX from funds that were transferred to me on XX/XX/23 and did not provide a transaction on my statement to explain the charge. I messaged support about the missing funds, to which they replied saying it was for a purchase I made from XXXX between XXXX XXXX XXXX that they mistakenly refunded and this was to correct my account. 

I disputed the claim, asking for supporting documents to back their claim as on my statements I don't even have a total of {$120.00} spent at XXXX - in fact, I hadn't spent that much at XXXX on this account since XXXX of this year. They responded with another message saying they investigated and confirm the fee was to correct their mistake. No documents to support, no clear dates on when these transactions occurred and none of this is reflected on my statements.. 

They have yet to respond with anything that supports their illegal withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
I advised that I did not authorize any of my personal information such as payment history, Balance, and more to anyone. The credit Bureau advised that they would get back to me and then sent me an email stating that they have the authority after I asked them for the wet ink signature that I signed with them or the company they are reporting on behalf of. They replied stating that by law they do not have to when their privacy policy states that they keep a copy on file of the signed consent. 
I am requesting that Equifax, XXXX XXXX and XXXX. Provide me with the written agreement that I signed in blue ink that authorizes them to report accounts .... 
XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. All XXXX loan information. 

PROOF OF POSTAGE - XXXX ( equifax ), XXXX - XXXX, XXXX- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.

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