BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The night of XXXX and between the morning of XXXX My wallet with my edd debit card was stolen I figured it out Monday morning the XXXX of XX/XX/2021 I reported my card stolen with Bank of America Immediately the stopped and canceled the card and sent me a new card that arrived about 8 days later I then contacted edd I needed to verify my identity with them and XXXX then they sent Bank of America that info I called back to B 9f A few days later they told me to wait for more info and that {$810.00} dollars was stolen from my account I still have money in the account I got a letter from them a few days later XXXX that was dated the day after I reported my card stolen XXXX saying my account had been closed claim closed my account was charged for the {$810.00}, the new card the new card should up but was unable to activate it not able to access my remaining balance or any of the new payments sent to my account since then still closed they told me I had zero liability on this account and that they would help me fix the issue take I was taken care of then next time I called I was told I wasnt even a customer anymore and there is nothing I could do transfer on hold for hours to only hang up on me still have at least returned my money I have no negative balance or owe them for anything or allowed me to open a new account to address the problem like any normal bank would there is the federal act of Regulation E to protect my account as well as there claim that my edd card has Zero liability protection they totally turned the opposite pushing it under the rug closing the account rite away no investigating or asking for any details what happened how what why where not holding up to there contract with edd and myself with the there debit card specially in situation and from keeping my funds not following guidelines there are more details

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-03-22
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been attempting for over 4 months to close this account with charles Schwab and they are making it impossible to close and have the money returned to me. We have called and sent emails numerous times without any success. I am the XXXX  of an company and neither I nor my vice president nor my manager has had any success. As this account is not earning much interest, I want them penalized for the loss of the past 4 months whereby I could have reinvested the money the way I wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions 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:
XXXX accts nos.XXXX and XXXX are accounts that I have reporting to EXPERIAN , XXXX AND XXXX . 
The accounts are closed.Both accounts have a balance that is less than the credit limit.All of the accounts have been intentionally misreported following each and every credit dispute with each of the BIG 3 bureaus as to whether or not they are open or closed or what the current balance was at the time of the dispute.I perceive this occurs because XXXX XXXX has no interest in adhering to the strict standards of accurate and complete credit reporting as required by the FAIR CREDIT REPORTING ACT. 
In each and every dispute, the disputes are answered to XXXX XXXX in an automated fashion as of the previous statement cut date ... and therefor the only 'guaranteed ' days of accurate credit reporting are on the statement cut date themselves.Each and every intentional misreporting of credit carries a {$1000.00} statutory penalty to be paid by the subscriber and co-operating bureau ( where negligence and intent can be proven ) .I may have to file suit to collect, yet this complaint this day is a record of notice to all three bureaus of XXXX XXXX   INTENTIONAL MISREPORTING AS A PATTERN AND PRACTICE.THE CORRECT REACTION OF ALL 3 BUREAUS IS TO NOT ALLOW THE REPORTING OF CREDIT BY XXXX XXXX UNTIL THEY WILL ABIDE BY ALL CREDIT REPORTING LAW. 
THIS OFFENSE COULD AND WILL BECOME A CLASS ACTION INITIATED BY ME.IT IS SUSPECTED THAT ANY DISPUTE BY ANY CUSTOMER OF CREDITONE WILL BE INTENTIONALLY VERIFIED AND MISREPORTED ... thousands or millions of XXXX customers are being harmed with the cooperation of the BIG3 credit bureaus as of today 's date.

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 2023-11-13
Company: DailyPay, Inc
State: AR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Earned wage access
Issue: Problems receiving the advance

Complaint:
Dailypay has had issues updating daily pay, along with hours of down time on there servers. Customer Service repeats the same thing that is on there website or in the app. Dailypay also failed to update my balance in a timely fasion, Dailypay also chargers a higher fee the other services out there. Per web research 's it seem that this services is set at a {$0.00} - {$1.00}. It also seems that they charge this fee twice, one during the instance transfer and then once again when you get your check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
An incorrect address has appeared on background checks that is inaccurate. It is very close, but incorrect nonetheless. 
Dates were from XX/XX/XXXX - XX/XX/XXXX. 
My correct address dates were from XX/XX/XXXX - XX/XX/XXXX. 
This doesn't have any amount of money attached to it that I know of. 
I attempted to change this the last time it came up during a background check for a teaching job and had been assured that the information was corrected. 
The company that returned the report is EXPERIAN but it seems the Social Security Administration also is in error.

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 2023-05-04
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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2021-03-22
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This started in XXXX. I was notified by EOS CCA about an account opened with in XXXX, saying we had a past due amount of {$84.00}. The last name is wrong and so I called XXXX and was told I was never sent to collections, since the account was opened and closed within a few weeks, with no due balance. They no longer could give me any more information. I contacted all 3 credit bureaus and within 24 hours, the collections debt filed on my accounts were closed. In XXXX, I received another letter, I have enclosed. I contacted Maryland 's Attorney General and was connected to an Examiner XX/XX/XXXX. I can not find the response from EOS CCA, but I have reached out to the original Examiner for more help as well. They admitted they made a mistake and was going to be closing the account. As you can see, we received another noticed and the difference between the previous letters are the prefix account numbers. This is a scam to get money we never owed. Will they continue to harass me each year by simply changing the prefix account? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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 is something crazy with my credit! I made a report a few days ago after I noticed that there are accounts on my credit report that are not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: AR
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:
am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX  - {$1100.00} XXXX XXXX  - {$2000.00} XXXX XXXX- {$2100.00} XXXX XXXX - {$1000.00} Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NV
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. 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  Please DELETE ASAP.

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely and caused an immense amount of stress due to being denied credit for obtaining a vehicle.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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 2019-12-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a One Deposit checking account online with Citizens Bank on XX/XX/XXXX with a sign up bonus of {$300.00} to be deposited after one direct deposit of {$500.00} or more. Direct deposits of {$500.00} each were made on XX/XX/XXXX and XX/XX/XXXX, as well as additional transactions and activity such as withdrawals and transfers that were made through the end of XXXX. I withdrew the balance of the account, as another direct deposit was due to hit the account in less than 2 weeks. In that short time, my account was inexplicably closed. I received no notification, correspondence, or warning. I then called the corporate customer service line, who informed me they did not know why my account was closed and were confused that there was no reason indicated for the closure. All they were able to deduce was that it was not due to collections, which I already knew as I never had a negative balance. They suggested going into a branch to further investigate. I went into the branch at XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX and spoke with XXXX. At first, he was just as confused as the corporate customer service, as he could not see any reason as to why my account would be closed. After calling supervisors and corporate phone assistance, he told me that it was closed due to inactivity on XX/XX/XXXX. I argued that I had already met the requirements for the bonus and an account should not be closed due to less that 2 weeks of inactivity but he was unable or unwilling to do anything to remedy the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # 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 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 2021-03-22
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I came into the deanship for scheduled maintenance on XX/XX/21 and while waiting for my oil change. My daughter and I walked through the showroom as we always do to pass the time. We saw our sales guy ( XXXX ) and said hello. He came over and spoke to us and asked me had I seen the new XXXX XXXX. I said that I had not and asked if he had pictures. He said yes and shows me his phone. I asked him when they would be available and he said " soon ''. I said ok let me know and I'll come take a look. He leaves for a few minutes and comes back and said, " I think we have one in black '' I said oh ok and he leaves again. XXXX had a few customers he was dealing with so I did not see him again before we left. My car was ready so we left because 1. we were only there for an oil change and 2. we had reservations at XXXX XXXX at XXXX that day ( we were celebrating my daughters birthday ). While we are at XX/XX/XXXXI get a call from XXXX saying " I was able to get it done, but I'll call you back '' I was like get what done? He was like the black XXXX, I'll call you right back ; and hangs up. I was confused. As we are leaving XXXX XXXX I started getting a bunch of email notices that my credit had been pulled. I NEVER authorized XXXX or anyone else at XXXX XXXX XXXX to pull my credit, I was ONLY there to have my oil changed.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I remitted a payment via telephone with an agent. I made a payment via check. I inquired about the days of delinquency, I was told by the agent that at the time of payment that the account was at 29 days. She further stated on a recorded line that my account was not in jeopardy of being reported to the bureau as I was making a payment in time. 

Two days later, I received an alert from credit karma stated that my account was more than 30 days late. I trusted the agent was knowledgeable her job and able to accurately provide the correct information to me as a cardholder.

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 2021-03-22
Company: Flagstar Bank, N.A.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was notified by mail about a data leak from a third party platform. I never recieved an " opt out notice '' from the company to protect my information prior to the incident.

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