BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-29
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
My name, social security number and date of birth was given to Early Warning Systems for a {$28.00} dollar over draft balance. I was never notified of the balance even after calling XXXX XXXX XXXX numerous of times asking why my account was closed. All the kept saying was we can't do business with you at this time. Now I'm having a hard time opening up an account anywhere else for {$28.00} dollars. I'm a hard working tax paying citizen that is being taken advantage of and ignored. I submitted a dispute with Early Warning nearly 6 months ago and never heard anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 account need to investigate and correct for erroneous reporting in my file and are listed 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

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
Shared without my consent, credit inquiries from unknown sources ... 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 2019-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
In XX/XX/2018, I applied for and was granted a credit card account with Capital One with a XXXX dollar balance. No issues, no problems. The card came in the mail. I created the online account, and set up automatic payments from my bank account. I called to activate the card that arrived per instructions. Capital One required information when activating the card. They asked for cell phone number, which I did not have or provide. They asked to upload a copy of my license. I did that multiple times, as each time they claimed that the picture was not discernible. Each time I took a new picture and uploaded it. It was as clear as day. Each time, Capital One had a different excuse as to what was not 'legible ', finishing with the file must have been altered when I uploaded it. It was clear that is was one lie after another. I spoke to multiple people, some claiming to be supervisors. I spend hours on the phone over the course of weeks. After wasting so much time trying activate a card, I ultimately decided to cancel the account. Capital One refused. They have access to my personal information, banking information and have run credit checks, but would not allow the card that they provided to be activated. They would provide no actual reason why. They refused to delete my personal and financial data. During the course of the conversation, Captial One said that I was not allowed to record the phone conversations, even though they state that they record the phone conversation. This should be a dead give away that they are up to something not above board. Do not apply for a card with Capital One. Clearly, they are after personal and financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 have banked with USAA for years and I was having issues with fraud charges recently on my checking account and I wanted to close because getting a new card was obviously not stopping the issues. 

( I recently went to the local sheriffs department and filed a report in regards to suspicious and fraudulent issues-I will attach report proof ) I opened a second account and a bunch of very strange things happened on the original account that I was planning on closing. My bank account went from having thousands of dollars in it to be - {$950.00} negative. I basically stopped using that account until I would have time to call them and figure out what happened. I was missing {$1000.00} and it was saying I was {$1000.00} negative. And the math did not add up or show in the online statement what happened. 
After speaking with USAA collections department they agreed there was something wrong and was told they were going to have the fraud department reach out to me however they never did. ( This was approx a week ago ) they closed my account yesterday and claimed it was a charge off account! the account balance was XXXX positive at the time because I just received 2 separate XXXX XXXX transactions and they put my account as into collections for {$940.00}!! 

I spoke with the fraud department. They agreed that the math didnt add up and forwarded me to an executive management where she gave me proof that my account was XXXX positive status when closed. And that the USAA had a bank system update at the time of my accounts issues a month earlier-that caused this issue of my bank account balance to be incorrect. ( I should not be able to spend or transfer money if even XXXX dollar off. I have protection to make sure I do not overdraft. If I normally try to transfer or spend money my account will deny charge and say not enough funds ) We were also able to go through the statements and see that there was almost {$900.00} in fraud at the same time. 

However the account is closed! Its also already in collections and there was nothing that she can do about that other than give me the proof to submit and Im not really sure how Im supposed to get that {$900.00} reimbursed to me! Or get this entire Account off my credit record and stop harming me. I was denied car loans because of this even though I have finances and credit this mistake ( equally usaa and fraud not due to any mistakes I made and I am tired of it effecting me after I worked so hard to build my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On the discover mobile XXXX app you need to click into a payment date when you go to make a payment. That section of the app hasnt been clickable since at least XX/XX/2022. You click it and it doesnt open to allow you to make a selection. I have submitted feedback through the app several times and called discover to ask about it. I got routed to several people, I believe 3 or 4, and was told by one that they were aware of the issue and just hadnt been able to resolve it yet. I told them it seems like a way to get people to avoid making payments so that they can charge higher interest and late fees. Everyone I know, especially around my age ( mid XXXX ) pays their bills via mobile apps. It has been messed up for 6 months and apparently people are aware of the problem. Their app is fully functional everywhere else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: National Credit Adjusters, LLC
State: GA
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:
With XXXX I have issued a letter of receipt for XXXX  acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With National Credit Adjusters I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by XXXX I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and XXXX ignores them and allow the creditors to lie. NCA  confirmation # XXXX & XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies : These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed Inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. A copy of all company names have been send on a attachment.

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 2019-08-05
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
M and T bank could not justify XXXX in overdraft fees in a one month period of time. The overdraft fee amount is XXXX each which would mean there would have been 72 overdraft charges to add up to XXXX. When asking for a breakdown or more information for the charges they would not give me the information. When I checked my checking account there were enough funds and the timing of the overdraft fees did not match the balance of my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Avant acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. XXXX has verified that they don't have no contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. ( See Attached ) For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. They are reporting to the credit Bureaus without my consent. Also XXXX, Transunion, XXXX has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of XXXX  years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself.

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 2023-10-25
Company: Genesis FS Card Services, Inc.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As noted in my Banking App. A XXXX was processed for my credit card account and was payment in full for the account. I called Customer service and was told that I called in to process a XXXX payment for my account. I have never paid this amount wirh XXXX and I always pay my credit card bill on the XXXX  of the month by processing the payment on the credit card website. My checking account information is stored there. Because this XXXX was wrongfully processed it cause an overdraft return item fee of {$35.00}. I tried logging into my account and Customer service told me that my account was temporarily suspended until I verify my identity. My account was originated with Genesis Financial services and called Destiny Card. XXXX has taken over the Destiny Card. As noted my payment made at the beginning of the month was made to Genesis Financial services for the amount of {$100.00} and no payment was due until XX/XX/2023. XXXX XXXX has since processed the XXXX for the same amount of {$680.00} again on XX/XX/2023. I told Customer service that I didn't authorize this payment and I want My banking information removed from my account. I have faxed a copy of my Driver 's license to the number I was instructed and I still can't login to my account to verify my banking information has been removed. Since the orientation of this credit card account I have always manually processed my payments for {$100.00} per month. Customer service told me to contact my bank to stop the process of the XXXX and I have asked for the check number used to process the unauthorized payment and was not given one. I suspect that there was a data breach and that is the reason why they want to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: EQUIFAX, INC.
State: AZ
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 currently have issue XXXX open but the creditor is refusing to delete the fraudulent HARD INQUIRY done by whomever opened the account. It has already been determined the account was opened fraudulently and that all items should be deleted per XXXX. Equifax continues to advise that the inquiry is valid and in fact it is NOT. Obviously if the account isn't mine, I didn't apply for it so all pieces need to be removed from my credit report. 

I had opened an online dispute with them, confirmation XXXX, to have this inquiry removed and they closed it in less than a week saying it was valid. This is the 5th time I have disputed this since XX/XX/2018. It needs to be resolved ASAP before legal action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2023-10-26
Company: Reliant Capital Solutions, LLC
State: DC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Greetings I am reaching out because I recently received a notification that there has been a derogatory mark that has been included in my credit report by Reliant Capital. To start I have no direct or indirect knowledge or contract with this company for them to be attempting to collect an alleged debt. Additionally I did not receive a letter to dispute or deny this alleged debt which is a violation of the FDCPA. Another violation committed by Reliant Capital is the violation of 15 USC 1692c ( a ). This company did not have my prior consent to contact me, a federally protected consumer nor was there a judgement from a court of competent jurisdiction. As noted there has been an item added to my credit report meaning this company is in violation of 15 USC 1681b as there was no permissible purpose for the company to be reporting. Lastly if there is an arbitration agreement, there must be a meeting of the minds prior to any adverse actions being taken. I request that Reliant Capital be held liable for their unfair and deceptive practices and violations of federal law. Arbitration or filing suit will also be an option for me if no resolution is found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt with XXXX XXXX XXXX regarding account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( credit bureau results attached ), requesting proper verification of this debt. As of today, this item is still reporting negatively on my credit reports, however, proper documentation has not been received. I have attached what they provided as debt verification ( something I could have typed up myself ). The other account they were reporting has been deleted from my credit file, yet this account keeps coming back as verified, please provide the documents being sent to the credit bureaus as verification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation