BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 XXXX  15 USC 1681 Section 602 states that I have the rights to privacy. 

15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: FL
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. 

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: U.S. BANCORP
State: RI
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 recently got a notification from XXXX about a recent inquiry. So I pulled a copy of my most recent consumer reports and noticed an unauthorized inquiry by ( ELAN FINANCIAL SERVICES ) immediately filed a report with the FTC & here I am following up with the CFPB now.

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 2021-08-16
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 belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2023-03-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am unable to access my venmo money from my venmo account. I can't transfer the money to my bank account nor am I able to use it to pay other people. The money is just sitting there. The venmo app keeps prompting me to go through an " identity verfication '' process which I have done twice now by submitting my driver license, W2 forms, and bank statements. On XX/XX/XXXX I submitted the documents on the app and on XX/XX/XXXX venmo emailed me saying they could not read some documents. I resubmitted the documents again on XX/XX/XXXX via the app and still not heard back from venmo nor am I able to access my money in venmo. On XX/XX/XXXX I called their customer service number at XXXX and am told that the department that handles identity verfication will " get back to me via email within 24 hours ''. I asked to be transferred to a representative that handles identity verification and am told that they don't have a phone number nor do they have a email contact. They just told me to wait. This is not right that I do not have access to my money nor is there a contact person I can contact regarding this. I have to just wait passively until someone from venmo contacts me via email. My Ticket # is XXXX. Please investigate this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX and I used to sell on XXXX and receiving funds to PayPal, my paypal email address is XXXX PayPal closed my account 6 months ago with over $ XXXX holding from my account and I logged on my account a few days ago and found out that PayPal had transferred all my funds to themselves without any notice / email while they sent me an email earlier said I would be able to withdraw the balance in 180 days ( email attached ). 

No explanation why they took my funds out. I never wronged PayPal. Never had a negative balance. They just decided not to support my business anymore which I had no choice but to agree to as nobody would respond back to me why my account was limited. I was fine with it and moved on. Then they decided to steal the funds out of my account. It is not acceptable. 

I never caused any damage to them, or the funds would be reversed already I would require PayPal to return my money and if it doesnt come with resolution I am debating going to the media to investigate this and I will begin the process of taking PayPal to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
Unauthorized accounts on my report that were not verified properly.

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 2023-03-08
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: U.S. BANCORP
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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-08-04
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts 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 Balance Owed : {$550.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting acXXXX 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 a 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 non-monetary relief
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
In XX/XX/XXXX I was contacted by a debt collection agency about a JPMorganChaseBank card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to be removed.

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 +500.00 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 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2021-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My spouse and I are the first-time homebuyers. We applied to Bank of America for a Home loan Mortgage. Both of us are Bank of America clients since XX/XX/XXXX. The loan officer and bank did not inform us about not providing the loan estimate until 7 days after our application. We were rushed through the credit pull thus locking us in but were kept on hold whenever we are some clarity regarding the loan estimates. The bank executives are not transparent to the customers upfront and make them lose 2-3 weeks of time in an aggressive market. They changed their policy overnight to no longer provide loan estimates until we go under contract with a home purchase offer. This makes it very risky for us since lock ourselves with their loan application. 
This action has not only led to miscommunication, mistrust but also has caused us stress. 
I request CFBP to compel Bank of America to carry out more transparent practices.

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 2021-08-14
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
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:
I mailed payments for my VISA and over draft protection on XX/XX/2021 via USPS Priority Mail, tracking number : XXXX. Tracking indicates it was picked up from the Post Office on XX/XX/2021 but not posted to my credit card balance until XX/XX/2021. 

I contacted First Citizens and was told I had to allow the time to sort, etc. This is incorrect as XXXX Payments clearly states. 

( a ) General rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. 

I have also requested them to close my account which they have refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
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:
Within XXXX of XXXX, SCHOOLSFIRST FEDERAL CREDIT UNION reported to XXXX  that this writer made a payment 60 days late and reported to XXXX  and XXXX  that this writer made a payment 30 days late within the same month without this writers knowledge and written consent. This communication to XXXX XXXX and XXXX  without this writers knowledge and written consent is a violation of 15 U.S.C. 1681a ( 2 ) ( iii ), 15 U.S.C. 1681 ( a ) ( 4 ) ( b ), 15 U.S.C. 1681b ( a ) ( 2 ) ( i ) ( ii ) ( iii ), 15 U.S.C. 1681a ( 3 ) ( e ), 15 U.S.C. 1681b ( 2 ) ( a ), 15 U.S.C. 1681a ( 2 ) ( b ), 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ). When I obtained knowledge of the communication I sent SCHOOLSFIRST FEDERAL CREDIT UNION a Cease and Desist Letter which they received on XX/XX/XXXX. This writer discovered on XX/XX/XXXX that the communication made by SCHOOLSFIRST FEDERAL CREDIT UNION regarding this writers payment status was deleted from XXXX XXXX  and XXXX. However, this writer never received the remedy communicated for the above violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: T.S. Holdings
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of XXXX XXXX XXXX XXXX in XX/XX/2022 and submitted my notice in writing to move out by the end of XXXX. In that written notice I requested a copy of the move out charges be mailed to my new address which I also included in the letter. I never received anything. On XX/XX/XXXX, I get a message at my job to call back a man named XXXX. I call back and its a debt collector with IQ Data demanding I pay the balance in full immediately. I explained to XXXX I had every intention of paying for what I owe but I had not received a breakdown of what I was being charged for. I explained that I was told I wouldnt be charged for certain things and I needed to know that I wasnt paying for something I dont owe. I also need to know how my security deposit was applied. XXXX claimed he was going to email me this exact information then tried to pressure me into paying before I could see this email. I asked why I wasnt able to dispute the debt and he responded by saying I could only dispute it if I paid for it. I know this to be a violation is section 809d of the FDCPA, so I demanded I be able to check my email and review the information before I called back and paid. XXXX proceeded to tell me that if I did not pay before seeing this proof he would mark the account as a refusal to pay and take the further action. I explained that I knew my rights and would be calling back as soon I I reviewed the email. What I received was a list of charges all described as move out charges and nothing showed my security deposit was applied toward the balance. So I called back and complained to a manager. She also tried to mislead me into thinking I did not have the right to dispute until I brought up the CFPB. Then she explained that I would need to submit my dispute in writing though she did say an email would suffice. I immediately emailed the dispute to the address she gave me, explaining that I need more than a generic list of unspecified charges including a breakdown of how my security deposit was applied. On XX/XX/XXXX they finally mailed me the exact same proof they had emailed me in XXXX. I sent a follow up email explaining, the documentation they sent was not sufficient and I reiterated what information would be necessary to properly validate the debt. I have not received a response but I did just get an alert that the collection account has hit my credit. I dont need credit for anything, however I was not given the opportunity to pay what I legitimately owe before they reported it. I have been forthcoming about my intentions and due to the unethical and illegal practices of IQ data I have suffered stress and financial repercussions that should have been avoided had they respected my rights as a consumer.

Company response to consumer: Closed with non-monetary relief