BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my {$590.00} paycheck at approximately XXXX on XX/XX/XXXX. At that time, I first started to do a mobile deposit, and the system said {$190.00} if I proceeded. So I cancelled it, went to a physical ATM, deposited there. The system told me {$95.00} would be on hold. Was fine with that. System continued to say that until approximately XXXX that night. The next day, that suddenly changed to {$390.00} being on hold until XX/XX/XXXX. I have been given a number of excuses by a " senior rep '' named XXXX that don't explain much of anything, no solution was offered, and am facing multiple overdraft charges due to being given misinformation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX XXXX  and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2021, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been closed for a YEAR. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : 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 2019-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two credit cards with Capital One Bank ending with XXXX & XXXX. My debit card was compromised I tried to change to a new card but the company website wouldn't allow me to change. I did an online chat in XXXX, XXXX & XXXX of 2019 & was told I couldn't change payment form via website only thru the app. I don't use the app & have never heard of such a thing. I was forced to download the app but I have a company phone & it blocks certain sites & transactions & isn't for personal use. So I've been forced to continue using a compromised email & debit card. I explained my situation to customer service on two occasions & got no help just a run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a prepaid debit account with netspend where my XXXX is direct deposited. In XX/XX/2020 I went to XXXX  and I got out XXXX. 
Ten social security checks were deposited into the account, when social security was supposed to suspend my account while XXXX. 

Unfortunately, my identity was stolen while I was locked up and all of the checks that hit my bank were used as soon as they posted, until about three months ago when netspend noticed the weird activity and froze the account. 

I get out of XXXX  and discover all this happened, and netspend will not give me any access whatsoever to my frozen account because the thief changed my billing information. Now, I tracked the changes back to my XXXX account and found an unfamiliar address, tried to use it to access the account, after submitting all documentation proving my identity, and now the representative says I have to have proof of residence FOR THE THEIFS ADDRESS that he changed on the account. I asked them, so Im supposed to either fake mail or steal mail? 

Im not doing either. They should have a way to see the original address set on the account when it was made. They are holding XXXX $ of mine, despite me doing everything to prove my own identity except the illegal one they asked me to do. So what now? Im supposed to give up? 
And what about when social security wants their money back, because I filed a police report and notified social security of what happened. I didnt do anything wrong. I was XXXX  XXXX  in XXXX. 

I cant pay it back. I am XXXX I cant live without my check. I have no money now, I wont have any next month or the next either and I have court fees and XXXX  to pay. 

So what do I do? Net-spends customer service is nonexistent.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: KS
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. The List of accounts below 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-16
Company: Experian Information Solutions Inc.
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:
As a consumer my rights has been violation by law ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2022-12-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
As stated on XX/XX/2022 per complaint number XXXX Midland Credit Management contacted me saying they will Cease and desist contacting me. But on XX/XX/2022 They sent yet another threatening letter. They are frightening me. I lost hours at my job I'm a XXXX mom of XXXX this is causing stress that they are not following laws set forth by congress or by your CFPB v Encore lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: CA
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 implore you to take immediate action to remove it without any further delay.

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 2023-06-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A cash deposit {$760.00} was made Friday XX/XX/2023 to Account ending XXXX XXXX  at XXXX information on the receipt is as follows Amount {$760.00}, Teller XXXX, Bank XXXX, Branch XXXX, Transaction XXXX. On Monday XX/XX/XXXX I called and relayed all information, it is now XX/XX/XXXX and still no money is in my account. 

I would like my money and additional fair compensation, the bank would have charged me a fee if I was short in my dealings with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NY
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 multiple hard inquiries on all my credit reports that I have not authorized. I attached the letters that I sent to each credit bureau to remove it and 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 2023-03-03
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing today in regards to my account with XXXX XXXX account # XXXX. The reason I am writing today is in regards to the late payment which is reporting in XX/XX/2020, due to Covid I was unable to get that payment made in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: FIRST ADVANTAGE CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
On Wednesday, XX/XX/2021, I contacted First Advantage for my free consumer 's report. My first call was at XXXXXXXX XXXX with XXXX  (? ) who asked for my application number or my SSN. I gave him my SSN, and he tells me he can not find a report for me unless one has been ordered. I then tell him I want to run a report on myself and get the free report to which I am entitled. XXXX (? ) says he has to transfer me to that department and the phone call is dropped. Immediately, I call back and speak with XXXX. I tell her I would like the free copy of my consumer report. She says she has to transfer me, which she doe successfully. Upon speaking with the new representative, I am unsure of her name, she tells me First Advantage no longer provides the free copy. I told her this was odd, as I am legally owed a free consumer report. I question how it could be legal for a company to have my information but I could not see what that information was. She told me they stopped releasing this information to the individual consumer about two months ago and that she was unaware of any company that would release this information. She said the company was working on a way to provide the consumer their report, but at this time she could not access it. This is illegal, per the Fair Reporting Act. The company 's website provides detailed information into getting a consumer report and the laws concerning the consumer report. They did not adhere to the law. She gave me a reference number for the call. I have it if any additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: NEW YORK COMMUNITY BANCORP INC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Due to divorce, I started the process to do a VA assumption loan with Flagstar Bank on or about the beginning of XXXX XXXX ( loan officer XXXX requested my VA COE on XXXX XXXX XXXX ). I was " encouraged '' to refinance with Flagstar because the VA process is lengthy. I declined the offer to refinance especially since it would be at a higher interest rate. Once loan XXXX XXXX completed his part of the process the loan was forwarded to the Assumption department. It was during this process that I encountered delays and excuses for the delay. I was assigned to loan officer XXXX who keep asking for the same information over and over again. I complained to the supervisor of the department about the delays. I realize that the bank must verify my eligibility for the loan however when your asked why your electric bill is on automatic deduction and to write a statement for it, it's over the top. My credit score is high so some of the questions and repeat document requests was clearly to stall the process. Again, I received emails from Flagstar encouraging me to refinance with them. I threatened to report the company to the XXXX because it was obvious, they were using reasons to discourage me from using the VA process. I was assigned a new assumption officer who started the process moving. Only to find out that I was approved twice but nothing was done to attach my VA certificate to the loan. The VA told me that the VA Certificate of Eligibility is the first step on the process. This tactic that Flagstar used to discourage from using my benefits has also caused my ex-husband to pay higher closing costs. Since his certificate is still on the existing loan, he was unable to use his VA loan. I started this process in XXXX, and it is almost XXXX!! Now I did have to get signatures and a quit deed accomplished but all was done within a week.

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 2021-07-27
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:
Nothing on my Transunion credit report has changed. The same information has been on there all month. Transunion out of retaliation dropped my credit score over 40 points. It was XXXX and dropped to XXXX over night. Keep in mind nothing has changed on my credit report. The only reason my score decreased by 40 points over night is out of retaliation for me filing a complaint against Transunion. If this is not so then I want them to explain to me why nothing has changed on my credit report. ( NO new debts, no new collections, nothing ) and they drop it over 40 points over night. In fact a few days ago a new account was added to my credit report. The account is in good standing. I have 5 accounts in good standing and nothing has changed except the new account and that was added over a week ago.I dont want to here their lame excuse that many things go into factoring my credit score. Nothing changed. There is no reason my credit score should have decreased by more than 40 points over night except for retaliation..

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 2021-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are addresses, inquiries and accounts listed on my credit profile that are NOT mine nor did I authorize the release of this information. Please remove them immediately as they are hindering my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My Student loans were dischargeable in bankruptcy in XXXX  only because of undue hardship. please see attachment. 

DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Balance {$160000.00} XXXX XXXX XXXX XXXX {$150000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: OH
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:
RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND XXXX, EQUIFAX AND XXXX ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, 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 checked my credit report and found out that I am a victim of identity theft. I am worried that these accounts weren't opened by me. This is hurting me because I am trying to get a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief