BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: FL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I attempted to close my checking account with US Bank on XX/XX/XXXX. 
I went to my local branch to do this, and was told that my account would be closed. 

My account was not closed. 

Because the account was not closed, I was charged monthly service fees. 

There were no funds in the account to pay for the service fees, so a linked line of credit was used for overdraft protection. 

I wasn't aware of this happening, and I wasn't monitoring the account, because I was told that the account was closed by my local branch. 

After a few months, I found out about this issue through a credit monitoring service because my credit has been damaged. 

I called US Bank and spoke with a number of customer service reps, eventually having tickets opened to resolve the issue. 

US Banks resolution was to send my account to collections. 

I eventually payed their ransom. In all, closing my account cost hundreds of dollars and did years worth of damage to my credit. The account was finally closed in 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 2017-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an HSBC credit card, I did not receive statements for several months. I learned that I was delinquent by checking my credit report. When I called HSBC to inquire why I have not been receiving statements I was told I was enrolled in paperless. I said that I was not. I was directed to log into the customer portal to check and when I did it was confirmed that I was never enrolled. I was enrolled in paper statements. XXXX on XXXX/XXXX/XXXX apologized removed fees and interest and said a letter would be sent to remove from credit report. I received a letter on XXXX/XXXX/XXXX indicating that the letter would not be sent to correct the error because I was enrolled in paperless billing. Again, I was never enrolled in paperless as proved when I logged in that day. I asked them to play the audio tapes to confirm. I called back on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and spoke to two different people named XXXX. To date, the issue has not been resolved. This was caused by a glitch in the HSBC system through no fault of my own. I paid the outstanding balance over the telephone. I have never been late in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I deposited a check to my USAA checking account via the USAA Mobile app. The amount of the check deposited was {$5000.00}. USAA placed a funds hold on {$2500.00} of the deposited check to be released on XX/XX/2023. On XX/XX/2023 the check cleared the external financial institution and funds were transferred to USAA via the Federal Reserve Bank. 

I called USAA to inquire why my funds were still on hold. I explained to the USAA representative that the external financial institution cleared the check on XX/XX/2023 and that USAA can call and verify this information with that financial institution. I also explained to the USAA representative that the funds USAA was holding without justification were gong to be used to pay my USAA credit card balance which was being charged interest compounded daily while I was waiting for USAA to release the funds that have already cleared. USAA is unjustly holding funds that have cleared my account causing me hardship and a unfair accumulation of interest on my USAA credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: ALLY FINANCIAL INC.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ALLY FINANCIAL is falsely claiming that the documentary evidence that I sent to them on XX/XX/2021 and XX/XX/2021 was a debt validation request, which it was not. What I did send them was a dispute of " alleged '' debt based on the multitude of ways in which they've violated me as a consumer and natural person. Pursuant to 12 CFR 1006.38, by not responding to these disputes they have overshadowed my right to dispute the " alleged '' debt. However, if ALLY 's intention was to validate the " alleged '' debt on their own accord, they failed to do so by not following the debt validation notice guidelines set forth in 12 CFR 1006.34.

ALLY has not only neglected to respond to my disputes in a lawful manner but they have taken adverse action against me for exercising my right to do so. As per a letter I received from ALLY via dated XX/XX/2021 ( attached ), they state " we have placed a restriction on your account and will not accept payments unless they are made in certified funds such as a cashier 's check, money order, or payment through a third party such as XXXX XXXX or XXXX. '' In doing so ALLY is in violation of 12 CFR 1006.14 for oppressive and abusive conduct, 12 CFR 1006.22 for attempting to collect an " alleged '' debt through unfair and unconscionable means and 12 CFR 1006.6 ( c ) for attempting to collect an " alleged '' debt after receiving a cease communication notice from me on XX/XX/2021. 

Nevertheless, pursuant to 12 CFR 1006.34 I am lawfully entitled to request a validation of this alleged debt, which I am now officially doing. With that said I have sent ALLY and their CEO an official validation request via certified mail, which was confirmed received on XX/XX/2021.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: NY
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/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX  as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct my credit report.

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 2023-02-09
Company: Experian Information Solutions Inc.
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:
I am writing to request the method of verification for dispute initiated on XX/XX/XXXX followed up with written disputes on XX/XX/XXXX regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information that is known to be false can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX. VALIDATE ACCOUNT XXXX  XXXX XXXX ACCOUNT # XXXX Please delete this account or provide validation information. 

For each of the disputed items above, I am requesting that you provide the following information : XXXX. The name of the original creditor XXXXThe creditor 's address and telephone number XXXX. The persons name they veri ! ed the dispute with XXXX. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness, accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/23, I received a response from XXXX XXXX XXXX. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. 

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. 

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. 

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. 

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.

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 2023-03-02
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Target failed to notify me when I missed my payment. I was unaware of a mess payment until it hit my credit report and they lowered my limit by {$2000.00} without notification. I have reached out to target several times and they refused to remove the negative remark on my credit for a 30 day late payment over XXXX dollars. They never made me aware that my account was delinquent and have refused to give me any assistance. I have also contacted them through the XXXX XXXX XXXX and was unable to resolve with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
This is in response to complaint XXXX. Equifax stated that the company verified but the account but failed to send any proof of documentation. I already informed Equifax that I was involved in a data breach in which they did not care and still proceeded to falsely claim that this account was verified. I submitted another claim a month later with new information regarding the account. The complaint id is XXXX I informed Equifax of new incorrect data such as different collection agencies names and no contact information when I look up the collection agency that is being furnished on my credit report. There are many FCRA violations here and I have been trying to get this inaccurate information removed from my credit report for 3 months. Please explain how you are reporting accurate information when there are different agency names. Also, I was never sent any correspondence notifying me that this account was sold. Nonetheless, the account was paid in full because I do not believe in having unpaid debt. Even though the original company did not do their due diligence to inform me I still paid the balance, and you are still reporting inaccurate information on my credit report. I am demanding that this account is removed due to it being paid to the collection agency. I contacted the original creditor and will attach the letter to this complaint. If this account is not removed within 15 days, I will be proceeding with suing your company for defamation of character, violation of the FCRA, and emotional distress. I will provide my ftc report, my Equifax data breach claim, and my dispute letter to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: ID Analytics, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called Sagestream 4 times for the past 3 weeks to put a security freeze on my consumer report with them. I always get a recording to leave a message and they will call back. It's been weeks now and they never return my call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: IL
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:
After checking my credit report from all three credit bureaus ; XXXX XXXX, XXXX and Experian, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.

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 2023-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase from a store in XXXX XXXX that I often visit the country. The store name was XXXX XXXX the very next day I took that purchase back because I couldnt fly home with it. They gave me a receipt and explain within 10 to 15 days the money review returned to my account about 21 days later my money didnt show up so I contacted the Dispute team from the credit card at fifth third bank. They expressed that the receipt was in XXXX the dispute team claim that they did an investigation, and determined that I did not take the product back. I later discovered there was no investigation, and the Dispute team gave me a XXXX denial the fifth third fifth third Dispute team shows a level of incompetence that is frightening Dispute team, representatives and supervisors .insouciant behavior is shameful as a US citizen using their services and complying with their terms of service. Fifth Third is obligated to do what they can to protect me their client from scams related to purchases and returns. Five months later I returned to the XXXX XXXX and went to a print establishment and they translated the receipt into XXXX and that receipt explains that there was a return made and gives an XXXX number for that return fifth third has still refused to return my money and denied me the proper protection as their client is supposed to receive now as a XXXX XXXX  citizen, I question what is their motivation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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:
I am interested in disputing all incorrect information on my credit report with Equifax. please delete an remove all requested information to help clear my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Sunlight Financial LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We contracted a solar panel company, XXXX XXXX XXXX to install solar panels and finances that project through sunlight financial. Sunlight financial disbursed all the money to the contractor without verifying that the project was installed, and it was not. Sunlight financial refuses to give me any alternative options to resolve the is problem. Our first payment is due in XXXX  and we dont have the complete product we paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: FL
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:
Under law 15c 1681 Equifax, XXXX, And XXXX have broken the law and gone against my privacy rights to fair credit reporting. I have tried to fix this on my own through disputes. I cant even get in to Equifax, but from what Ive heard I dont have a score with them. The three companies have been giving out fake scores, hurting me as a consumer because this causes my interest and monthly payments to go up. This is called unfair credit reporting, I have become a victim of the credit bureaus reporting issues.

Company response to consumer: Closed with explanation