BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2020-11-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im writing on behalf of XXXX veteran XXXX XXXX. His vehicle was repossessed late Tuesday Night/Early Wednesday Morning ( XXXX, 2020 ). He received no notification. He was even hospitalized. He called several times to rectify the issue. Last person he spoke with was XXXX, CSR who transferred him to XXXX in the recovery Dept. He borrowed a loan for {$5100.00} according to XXXX, ID XXXX XXXX recovery department ). The amount to recover his vehicle is currently {$5600.00} XXXX bal {$4900.00} ; Late Fee, {$47.00} ; Retun fee {$25.00} ; Repo $ XXXX {$5400.00} to release ; Towing {$150.00} plus $ XXXX XXXX. According to XXXX in recovery dept., USAA attempted to automatic withdraw {$320.00} XXXX payments $ 122 monthly ) & there was not sufficient money in the account ( created an overdraft fee for MrXXXX XXXX XXXX. I personally made a payment for Mr. XXXX from my account for {$320.00} on XX/XX/2020 ( MrXXXX XXXX is on a fixed income from social security dept of under $ XXXXmonth ). According to XXXX it was returned. I asked why she had no response. Another payment on XX/XX/XXXX she claimed was returned XXXX USAA refused because I dont give access for automatic withdrawal ). Mr XXXX made several attempts to rectify the account before repossession XXXX unknown vendor ). Complaints were filed with NJMVC because the dealer XXXX XXXX XXXX took the money & refused to give XXXX XXXX the title & invoice. The temporary tags shows the vehicle should have received permanent plates in XX/XX/2020. The XXXX XXXX PD, XXXX NJ towed his vehicle. XXXX XXXX refused to release it, claiming, he, Mr. XXXX must go & get it titled before it would be released. Lt. XXXX XXXX was contacted, he told Lt XXXX to call XXXX XXXX XXXX XXXX, XXXX NJ to release the vehicle. He did reluctantly ( We observed the owner, sitting in family dollar parking lot in XXXX XXXX XXXX NJ, staking out the car daily ). I received a letter from Lt. XXXX claiming the incident did occur but the officer was exonerated. The vehicle was registered XX/XX/2020. USAA is making unreasonable demand after they refuse payments from a Veteran who also suffers from XXXX. 
XXXX from the recovery Dept hung up on Mr. XXXX. He has no way to get to his medical apt & he needs his dot monthly. I had someone took him to the VA clinic on Wednesday. He was late because his ride was taken away without any form of notification & USAA refusal to accept payments made on behalf of the Veteran unless it was from the Veterans checking account. Terrible treatment of Veterans!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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: Was not notified of investigation status or results

Complaint:
I have requested from XXXX XXXX the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different XXXX  XXXX student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120  day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on fed Loan servicing side and I need help to exercise my rights.

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 2019-04-29
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Tidewater Financial was paid in full on XX/XX/XXXX ( supporting documentation attached ), they continue to send me statements for late fees charged on XX/XX/XXXX compounded by late fees and 29.99 % interest on late fees. They are stating that the account balance is {$380.00} and that amount was never charged on that card.Tidewater Corporate indicated that the account was closed in XX/XX/XXXX at my request, but they continue to bill late fees and interest on a closed account with no principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I get an account from SYNCB/HOME DESING FURNITURE XXXX which is not mine I have not applied for credit I want them to review and investigate I have not authorized the furniture store to give credit on my name .i the past i had an account with them my debt with them was XXXX and it has been paid since 2015 always I made my payments and I do not owe anything now I have an open account for XXXX whose account I do not authorize and its not mine.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: LA
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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2022-01-14
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank Overdraft Issues XX/XX/2022 - Charge of {$70.00} Taken from Checking XXXX. ( Me ) creation of overdrawn to - {$11.00}. 
- XX/XX/2022 - Charge of {$8.00} taken from Checking Acc. ( Me ) overdraft now {$20.00} - At this time, I recieved no warning or email from TD Bank stating I have gone into overdraft. 
- XX/XX/2022 - Charge of - {$1.00} taken from Checking Acc. ( Me ) overdraft now {$21.00} - XX/XX/2022 - I check my account and FIX overdraft by transferring {$50.00} from Savings to Checking Acc. bring account to {$28.00} - XX/XX/2022 - 5x Transactions ( Me ) totalling {$18.00} - XX/XX/2022 - TD Issues {$70.00} Overdraft Fee without email or message notice. Checking Acc. overdraft now at - {$59.00} - XX/XX/2022 - Deposit of {$20.00} made into Checking Acc. from XXXX XXXX XXXX made. overdraft now at - {$39.00} - XX/XX/2022 - Charge of {$20.00} taken from Checking Acc. ( Me ) overdraft now {$59.00} - XX/XX/2022 - TD Issues new Overdraft Fee of {$70.00} still with no warning. Overdraft now at {$120.00} - XX/XX/2022 - 3x Transactions ( Me ) totalling {$14.00} leaving Overdraft at - {$140.00}. 
- As of XX/XX/2022 - I recieved compensation from my job and lost nearly {$250.00} because TD bank charged a {$100.00} Overdraft fee which attached to the already - {$140.00}. 

These overly priced charges for such small transactions are uncessary and affect my livelyhood and ability to purchase and pay bills in a timely manner. Also the first overdraft SHOULD NOT have happened considering I fixed the intial overdraft quickly. 
- Now usually if I overdraft and get charged I can recieve a partial or full refund to compensate for lost time and money, yet when I called this time they refused to give back any of the near {$250.00} USD taken from my account. Their actions are uncessary and hinder my ability to pay bills and obtain necessary supplies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: AL
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:
Hello, my name is XXXX XXXX. My date of birth is XX/XX/XXXXand I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX - Closed XXXX/XX/XX/XXXX-Retail XXXX XXXX - Closed With Equifax XXXX/XXXX XXXX - XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX-RETAIL XXXX XXXX  With XXXX XXXX/XXXX XXXX - XXXX   XXXX/VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, On XX/XX/2021 I accessed my Chase.com bank account to send funds through XXXX to one of my vendors. A little later, I received a message that the payment was under review and shortly after my online account was blocked due to fraudulent activity. 
The email I received indicated that I have a secure message in my online account and that I need to log in to review and reply. The problem was that my online account was blocked, so I couldn't access the account and review or reply to the secure message. 
I was trying to get an agent on the phone just to be told that I need to speak to someone from the fraud department. After XXXX (! ) hours on hold, the call got disconnected. 
I tried to reach chase representative through the social media, just to be told that they are unable to help. I was offered an option to meet with a banker at the branch, however I will need to schedule an appointment and that can take 7-14 days for appointment availability. 

After few attempts, I was able to get a representative from the fraud department who not just asked me to identify myself ( which is fair and expected ) but also insisted to know why I was paying the person on XXXX and what type of work he performed for me. 
When I answered it is private and not the representative 's business, I was told that without a reason, he will not open up my online account. 
That was finally resolved on XX/XX/2021. 

Today I was trying to pay another vendor {$800.00} and was immediately saw that this transaction is under review. Shortly after, my account was blocked again. 

While this bank account is not my main personal account, it is unacceptable that I can not access my account and the financial institution is fast to block the account but is also not accessible to provide service to open my account. Leaving me and my funds XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX Money was taken from our account through XXXX {$3500.00} we did not authorize this transaction Bank will not help they denied us. We have not gotten any help from the bank. most i ever used XXXX was {$200.00} it took the bank 3 days to deny didn't reach out to us no help. 
name used was XXXX XXXX in XXXX Texas we live the west coast they used a bogus number XXXX BTW. 

Hope you can help,

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 2023-07-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-11
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Citi Double Cash Rewards Credit Card that I was actively making purchases and payments. And without any prior contact or notification, Citi closed the account with the below reason : " During a recent review of your account, we observed frequent purchases, and multiple payments from unknown sources, which are inconsistent with typical consumer use. As a result, your above referenced account was closed on XXXX XXXX, 2021 '' which is a very vague and insufficient action reason for closing an account that had zero delinquent history and very few ( if any ) over-limit history. Below are my complaints based on the reason letter : 1. " Frequent purchases '' : there is no clear and legitimate definition of " frequent purchases ''. Most of my purchases ( if not all ) were made so that my balance was within the credit limit of the card and each purchase is not small amount like {$1.00}. Thus, there is no way the account had " frequent purchases '', otherwise it will be over-limit. From common sense, the number of transactions per month for this card is perfectly normal given this was my primary card. 

2. " Multiple payments from unknown sources '' : I can provide valid source for absolutely all of the payments made on this card, mostly from my own checking account anyway. All payments other than my own checking account was made by the same one source for which I can provide valid information. Citi Bank never made any successful attempt ( mostly likely any attempt ) to contact me to verify the source through any method such as phone call, text message, email or letter. Simply " unknown '' from Citi itself is very unprofessional and limited. 

3. " Inconsistent with typical consumer use '' : there is no clear and legitimate definition of what a " typical consumer use '' is. Everyone is different. The definition should be based on government regulations and rules, not just some random 5-minutes analysis or personal preference of the reviewer in which case is clearly a discrimination against me. And it is also unclear of what is " inconsistent '' because again, every account activity is unique. And my account had no suspicious activity as all purchases and payments had valid sources. 

4. " As a result, your above referenced account was closed '' : all the above observations can not sufficiently imply to the closure of an active account which has perfectly valid purchase and payment history.

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 2023-04-25
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have found several incorrectly reported dated on my credit report regarding this debt that i have tried to rectify with the creditor directly but to no avail. On XX/XX/2023 I legally requested the following collection accounts ( via certified mailing ) to be investigated as being 100 % accurate and I am willing to pay the debt in full if verified. These collection accounts have not been verified to date and it has now been well over 45 days since my original request. Here is a copy of the certified letter mailed to these creditors for validation of these debts. I am still awaiting these requests and am demanding that these accounts be removed from my credit report ASAP. I have tried multiple times to get the requested information below : List of creditors who recieved certifed letters for my request and has not obliged as of XX/XX/2023 -AMEX XXXX CITIBANK XXXX account # partially listed on credit report as XXXX To whom this may concern, Your company said, I allegedly owe you money. I am willing to Pay under the conditions that you are able to provide : 1 : validation of the debt- - that is, the actual accounting.

2 : verification of a signed invoice.

3 : a copy of the contract binding both parties ( you and I ), and a letter by certified mail so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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 2021-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2021 my Fall School Federal XXXX XXXX and my Federal Student Loan were accidentally deposited by XXXX  XXXX into a closed USAA Checking account that belonged to my Brother XXXX XXXX which I was on as a user per his instructions. However, he passed away in XXXX and USAA had closed the Checking account and turned over to another company to collect from XXXX XXXX estate when it was settled. 
Instead, USAA reopened the account long enough to take almost XXXX of my money that was to pay for my college XXXX semester and the took my money. I called numerous times, sent emails to CEO explaining that they had taken Federal Grant and Student Loan money and if it was not fixed I would be forced out of college and they said nothing could be done. So a former service member is now kicked out of college because of an error by XXXX XXXX  to begin with for depositing to a closed account which USAA knew it had my name only on the deposit. I am now forced to pay for a student Loan that I can't even get to take the classes for. Such a shameful origination that claims to cater to former service members but that's a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation