BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: IL
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 have tried disputing a negative account on my credit report with XXXX XXXX XXXX which states I have not made any payments towards my debt when it has actually been making payments since XXXX and has been paid in full since XX/XX/2022. They have also added more to the debt after it was paid in full changing the amount from {$2400.00} to {$2400.00}. After submitting 2 disputes to experience, the second of which I received the results of their investigation today ( XX/XX/2022 ) I was told my dispute was unfounded and will remain on my credit report showing no payments have been made and that I now owe the larger amount

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 2023-11-01
Company: KEYCORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I tried to log into my online savings account ending in XXXX with Laurel Road Bank and discovered that my account was locked. When I called to find out why I was told because of suspicious activity. I asked what and they told me they didn't have that informaton at the time. It took a few days, but finally they responded that there had been attempts to access the account from multiple locations that weren't our home and that there also were deposits that came from unknown sources. I explained that I was on vacation in different locations in XXXX when the log in attempts were made. We eventually determined that the so called unknown sources for the deposits were in fact made from my home computer by my husband from the same bank that was used to transfer the funds to originally set up the account. We were asked to submit proof of all of this and completed this task by around XX/XX/XXXX or XXXX. Laurel Road acknowledged that they had all the information needed for thier fraud department and I was told the account should be released in a few days. We now have been told that the account should be unlocked in a few days XXXX or more times and still our money is being held XXXX. They have approximately {$23000.00} of our money and we can't pay our bills until the money is released. They don't seem to know why the process is taking so long since they have everything they need to clear our account, it just isn't happening. In addition to all of our issues, we keep receiving promises that people will call us back and that never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have previously disputed MY BANKRUTCY with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court which they stated the DO NOT/ HAVE NOT REPORT PUBLIC INFORMATION. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

The fact that public records still show up on a credit report makes them false reporting, and a violation of the Fair Credit Reporting Act. 

Please remove and delete bankruptcy.

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: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/23 me and my husband XXXX XXXX XXXX deposit an {$4500.00} check from his XXXX account XXXX XXXX XXXX XXXX into our PenFed  account. We did know that it will take about 5 business days for us to received our funds from the deposit. We already had funds in the account from both of our paycheck. Once we deposit the check it did give us an amount of {$3000.00} plus funds from our paycheck. A rep called me on Friday XXXX XXXX XXXX to verify to make sure that my husband was on the account and not deposit in an individual account. Rep stated to verify my husband name and I did. Then the rep apology saying that he was sorry for calling me, because he do see my husband on the joint account. First of all when PenFed pulled up the account, they should have saw my husband name on the account along with mines. When I checked the account after the rep hung up with me. The balance was XXXX XXXX. After XXXX, I notice that our account was an negative XXXX XXXXXXXX. Which the account should have not been negative. I'm really upset with PenFed, because we have deposit an check before from XXXX XXXX in the amount of $ XXXX from his XXXX and we never had a problem. So, now we don't have any money for XXXX to spend on our family. After our account is cleared with PenFed we will be moving our membership to another bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts 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 accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}

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 2018-05-13
Company: Experian Information Solutions Inc.
State: NJ
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:
My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION,  and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-05-24
Company: Experian Information Solutions Inc.
State: DC
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:
Please be advised the following case # XXXX has been open since XX/XX/2022, approximately 55 days. 

I did not request a re-investigation. I requested Experian to provide a description of the procedures used to investigate /verify the following accounts, Pursuant to 15 USC 1681 i ( 7 ) Description of reinvestigation procedure. 

To date Experian has not been able to provide proof for the below accounts or provided me with a description of the reinvestigation procedures. 
XXXX XXXX XXXX XXXX Account Number XXXX As a consumer I know that pursuant to 15 USC 1681 I ( 5 ) Treatment of inaccurate or unverifiable information that is not verifiable is required to be deleted, with that being said DELETE the aforementioned accounts as it is past the 30 days DELETE NOW or I will seek monetary relief

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX  XXXX OXXXX XXXX PXXXX XXXX XXXX XXXXXXXX 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 2023-10-30
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30
Company: EQUIFAX, INC.
State: MI
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:
delete XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 ( CREDIT COLLECTION SERVICE ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: DISCOVER BANK
State: VA
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 the following information below contained in the attached files with XXXX, XXXX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: SC
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 was looking into purchasing a house back at the end of XXXX. And somehow a cable bill from XXXX popped up from XXXX. I have never had XXXX in my life, I have disputed it with everyone and they refuse to give me any relief. I have no issues paying my bills but I never had XXXX in my name ever in my life. And I'm uncertain as to why. If it was way back in XXXX it popped up at the end of XXXX anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 an international wire transfer was sent from XXXX bank in XXXX to the XXXX  XXXX XXXX XXXX XXXX. The XXXX  XXXX XXXX XXXX XXXX accepts/handles international wire transfers of behalf of USAA. When I contacted USAA to inquire about the status of the XXXX XXXX, the representative tells me there is nothing they can do and that I must contact the XXXX. 

I followed the international wire transfer instructions provided by USAA and sent this information to the sender of the XXXX  XXXX. I have contacted the sender XXXX  XXXX  and they have provided me with documentation showing the XXXX  XXXX  has been debited from XXXX and can no longer be recalled. 

I am requesting USAA contact the XXXX  XXXX XXXX  XXXX  XXXX to inquire if the wire transfer was received. USAA has refused to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Conn's, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My consumer rights are being violated with the lack account balance information that your organization provides. A formal monthly statement has not been received via mail or made available online which indicates past monthly payment history including ( 1 ) how payments are applied to my account ( 2 ) potential errors for dispute and ( 3 ) indicate account summaries. 

This lack of consumer information is direction violation of the U.S. Consumer Protection Act including Texas Deceptive Trade Practices Consumer Protection Act ( DTPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
USAA SVG BK XXXX XXXX XXXX XX/XX/22 RE. We have disputed this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: SECURITY FINANCE CORP
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I went in and got a small loan 2 weeks after receiving my loan they started calling me two and three times a day for my payment when my payment wasnt even due. Then they would leave many voicemails two and three times a day as well as calling my references two and three times a day before the 1st payment was even due

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 2022-12-03
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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2021-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've worked and paid taxes as an American citizen as early on as 15 years of age with XXXX XXXX whom im glad to see doing business again. However out of my 15+ years tax paying employed salary/income I have to pay one fee for check cashing. The current financial ATM transferring has caused excessive financial problems & damages to my checking account/savings. I get one Social Security check monthly and were over charged thee check cashing fee were charged in the United States for cashing it. Bank of America, XXXX Master Card, XXXX Visa, XXXX XXXX Visa, XXXX Visa Cards as well. Each of them upon my trying to save for the next day at {XXXX} to {XXXX} a day transactions etc ways of budgeting I've been over charged the amount for cashing the check at an outrages rate of fees for budgeting it. Such as {XXXX} per transaction. When cashing amount of {XXXX} ive I'm actually being charged {XXXX} per 35 transactions at {XXXX} per transaction. Why hasn't anyone notice this has taken place. I do understand a little bit about how we govern things in America but please don't throw my money out the window to the wolves. After all I do TRUST IN XXXX if no one else does. Please fix and make them financial institutions pay, possibly not limited to non consumer customer transfers within their home location or not. As a traveling by state citizen the check cashing rate in California, New York, Washington etc might be higher than our other states in this country but, not no where near the amount the American citizens working or not working are paying to cash a check ( singular ) for the day, week or monthly amount were being charged be at home & foreign dignitaries Please do the math and not ignorance. Especially that the cost of living has rised. Is thAt a turn table # XXXX. Well get on it then.

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