BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: VA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Paid account off that was closed by a primary lender.. later I was informed that my score dropped 70+ points I was never notified by the original lender.. when I called to rectify they stated that they mailed it to me by another lender. I paid them again but I need my account to show that it was rectified and my payment history.. shows that I've been a consistent on time payer..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/18 - a check for {$1400.00} was presented to the acct. It shows as clearing on that date, with an ending balance of {$160.00}. The following day that check was returned and my account was charged a {$29.00} fee for NSF. I contacted them about the issue and was told " there are things that go on behind the scenes that you can't see ''. I then asked for them to explain to me how I would be able to manage my account accurately if they did not provide me with accurate information. They did not provide me an answer, only told me that is not how it works. I contacted the XXXX  and have still not been able to speak with USAA regarding the issue. 

Fast forward to now. Last night, XX/XX/18, I transferred funds from my USAA savings account to the USAA checking account. The balance in my account prior to that transfer was just a little over {$300.00}. I made the transfer and went back into the account to make sure it was in there. The " current balance '' and " available balance '' both indicated {$1300.00}. No hold, or delay, was indicated. When I checked the account this morning, it now shows my transfer did not go in until today and the items presented came through causing a negative balance of {$230.00}, then the deposit was posted. I contacted them this morning and was again told " that's not how that works ''. The information in the depository agreement does not specify the funds would not be available immediately. The transfer information on the website said transfers between USAA checking and savings accounts were immediate. I inquired as to why my available balance would not reflect the difference between current and available. They did not provide me an answer, only told me that is not how the app works and they are sorry I was confused. 

I now am going to have to deal with the repercussions of this returned check from the financial institution it was deposited to. I am going to have multiple fees and no one seems to care that what can be seen by members is clearly not accurate. It is ridiculous for them to expect me to be okay with seeing an available balance that is plenty to cover the presented items, only to be blindsided the next day with returned items and fees. I have been with USAA for 12 years and feel they do not have members ' best interests at heart. I also have reached out multiple times today to the office of the CEO without any success. I am at a loss and feel I may need to get a lawyer involved because these business practices that are costing me money and time. 

I would love to provide you with screenshots of my account, but they have it set up so you can not screenshot the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. 

Account name : XXXX XXXX Account Number # 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. 

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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2019-09-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Leasing agreement with XXXX XXXX of XX/XX/XXXX. 
Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on XXXX for a recurring Payment Plan Schedule. 

The same day, I got a confirmation from XXXX XXXX, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX. 

In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit XXXX XXXX XXXX on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact XXXX XXXX directly. 
All signed by XXXX XXXX, XXXX XXXX XXXX, XXXX Texas. 

XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well. 

The next thing I learned was on XX/XX/XXXX, that XXXX XXXX has reported me to the credit bureaus for an overdue account. 

When I called XXXX XXXX I was informed that the Recurring payment plan was for unknown reasons never made effective in their end. 

I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus. 

The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX. 
She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated. 
She asked me to send a copy of the confirmation, which I did. 
After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect. 

I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well. 

I hereby complain about XXXX XXXX handling of my case and their report to the credit unions even though the lack of payments was their fault. 

It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house. 
Sincerely XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX 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 U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX 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 2023-07-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a notice from LL Bean Mastercard and Credit Card Services ( account # XXXX ) informing me that my case regarding a dispute had been investigated and has been closed. The case # is XXXX. According to the documentation this occured on XX/XX/2023. The Merchants name accrding to the paperwork is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Number XXXX XXXX XXXX. The transaction amount is in the amount of {$410.00} on XX/XX/2023. The merchant reference number is XXXX. Refering to page XXXX of the dispute paperwork in question you will take notice that the majority of the page is in the Spanish language. The address and name are mine. But the other information is in XXXX. The transaction took place in XXXX XXXX, XXXX. I can not understand the rest of the information because it is in XXXX. I do not live, work, or stay in XXXX, therefore my card has been compromised. I am of XXXX and XXXX origin. I have no relatives or communications with any person or organization in XXXX. I have had no business or personal dealings with anyone from XXXX, living in XXXX, working, in XXXX, or otherwise staying in XXXX. On page XXXX there is a company named XXXX XXXX  listing flight information including general policies, flight change policy, and flight changes. I have never flown via/with XXXX XXXX XXXX I am not familiar with and had never known of or had any dealings with them of any kind whatsoever. On page XXXX of the documents from LLBean Master Card it includes the acception of and terms and conditions of the flight in question. I speak very little XXXX and nothing on these documents looks familiar at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX or 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am currently in the midst of buying a home, and during the examination of my credit report, I discovered unforeseen damages that are impeding my progress in the home-buying process. Despite multiple attempts to reach out to this account ( s ), expressing my concerns and requesting assistance in resolving this issue, I have not received any support or resolution, despite their awareness of the violation and also sending them requested documents of a Police report, ID, and SSN as I am a victim of identity theft. 


In accordance with the Fair Credit Reporting Act, the listed account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681.

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
The bank has disabled online account access because I utilize a XXXX service & did so without my knowledge or consent ( email notification )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In regards to the following account : PARAMOUNT RECOVERY Last reported XX/XX/2022 {$690.00} Open balance XXXX XXXX XXXX Original creditor XX/XX/2022 ( XXXX mos ) I have active Georgia XXXX and this debt is covered by my insurance available by simply looking up my social security number in their system. It should not be on my credit report affecting my livelihood and ability to obtain credit because the original creditor did not file it with my insurance. This needs to be removed immediately from all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: FC HoldCo LLC
State: VA
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 this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 explanation
Consumer complaint received 2023-07-28
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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: Account information incorrect

Complaint:
Continuing to report false inaccurate information. and refuse to correct, inaccurate total amount owed between CRA 's and the original creditor. Never sent my 1099. I demand this account be updated to paid in full on time as agreed.

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 2019-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I bank with Wells Fargo for the past 3 years I have had many issues with fraud and this last one is just un real. Friday XX/XX/XXXX my bank claims department calls me and says that some one has deposited {$400.00} in counterfeit money and are accusing myself of putting it in my account. I did no such thing!! I have a freeze on my account and no access it at all and that means i can not look at any transactions that were made as the bank is telling me that i would use the XXXX app to send money to a person at whom i do not know .. The bank is telling me that i may not ever be able to get a bank account at any bank as they will put out a bulletin also jail time. I filed a police report but this is apparently a civil matter and the police just have a record of myself telling them about counterfeit money in my account that i was not aware of until my bank called me. I have been trying to call my bank and they put me to many different departments and i have to stay on hold for so long that i wind up hanging up. Wells Fargo now offers card free banking through the atm. I am sure with the help of video at the atm also being able to trace the phone app for this card less atm the person involved will be caught but in the mean time i have no access to MY account. My future banking life is in their hands and that is not good considering Wells Fargo has many issues with scandal since 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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

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