BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, my daughter, XXXX XXXX was notified that USAA bank has decided to cease all banking business with her. They asked that she please go ahead and make the necessary steps to move all direct deposits. This also included stops of any debits that normally come out of the account monthly. As my daughter has stated on several occasions, this is fine and we can move to another bank ; however the day that USAA decided to close the account and place the account on credit hold, was the day after my government funds from the VA could be moved. I get {$1600.00} from the VA each month. While I am fine with paying USAA what my daughter owes to settle this and be done and settled. I have explained this to USAA reps several times over the last few weeks.Apparently the fraud department has decided to place the account on credit hold and hold all funds. This is rediculous especially when the provisional credits that are in question are far less than the money deposited in the account. 
Also, my daughter sent information that the bank needed on XX/XX/XXXX regarding the disputes which lead up to the USAA decision. She even filed a complaint on XX/XX/2020 with CFPB about this matter and the results were USAA is currently working on it. USAA is not working on anything, they have made their decision which is totally unprofessional of a bank. When you call the XXXX number for USAA they state to tell your representative that you are having a hard time and they will do what they can to assist. Well as of XX/XX/2020 I have tested positive for COVID. I need my monthly funds for not only my bills and meds but the meds that are being prescribed to me by my doctor. PLEASE HELP. and having XXXX at USAA call my daughter to say i feel sorry for your mom but not you, tell your mom to wait until XX/XX/XXXX is literally a DEATH SENTENCE. ALSO, PLEASE NOTE THAT A LETTER WAS NOT SENT OUT TO MY DAUGHTER UNTIL AFTER HER INITIAL COMPLAINT WITH CFPB WAS FILED. USAA HAD NO INTENTIONS ON SENDING INFORMATION BY MAIL. AND THERE IS ONLY 2 LETTERS NOTIFIYING OF 2 PROVISIONAL CREDITS BEING WITHDRAWN NOTHING FROM THE PREVIOUS DISPUTES ONLY WITHDRAWLS. 

NOBODY SHOULD BE WITHOUT THEIR GOVERNMENT FUNDS DURING COVID AND THE HOLIDAYS. MY DAUGHTER LITERALLY BEGGED XXXX TO RELEASE MY FUNDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their 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 2021-11-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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 Experian and XXXX 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 : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: OLIPHANT FINANCIAL, LLC
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: Account information incorrect

Complaint:
I saw a collection from OLOPHANT XXXX LLC drop onto my credit in XXXX, XXXX for a XXXX XXXX XXXX that was from XXXX. It says card opened XXXX. The information is incorrect, I disputed with XXXX through XXXX XXXX and it closed today saying the information IS correct. It is not. I have the first default e-mail from XXXX saying it was 2 months past due and should be falling off my report this year, XXXX yeas later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Nelnet, 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:
I have not giving anyone consumer reporting agencys written instruction to use my information or to add the deragotory Items to my credit report.

15 U.S Code 1681b permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-04-04
Company: Experian Information Solutions Inc.
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:
My name is 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. Please delete the account : XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I want to file a complaint against XXXX, Equifax, and XXXX. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification JPMCB XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Novad Management Consulting LLC
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have NOT received my form 1098 -- XXXX XXXX  XXXX XXXX for tax filing purposes. 
I sent numerous emails to XXXX and have tried to connect with a customer service representative at XXXX since XXXX XXXX, XXXX. No one responds to emails.No one answers the phone. I've been listening to the same recorded message to " wait on the line for the next availablrepresentative. '' Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: HI
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:
On XX/XX/2019 XXXX XXXX Dealer Service placed an illegal inquire on my Equifax credit report that was not authorized by me in any way, they did not have any permission to do a hard inquire and have NO documentation of the same. When I contacted them they hung up over and over. They said they did not do an inquire and have no records of the same. Equifax as told me to tell XXXX XXXX to call them and that they could immediately remedy the fraud the XXXX employees have committed. XXXX XXXX has not called Equifax as they requested. Now there has been a additional act of fraud as there is now ANOTHER ILLEGAL INQUIRY that was not authorized this time on XX/XX/XXXX. XXXX XXXX has been e-mail about this new act of fraud and they continue not to take prompt action to remedy their illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have an XXXX XXXX credit card account with a credit limit of XXXX. Normally this accounts resorts to all three major credit bureaus however on or around XXXX 2019 I noticed that Transunion removed my XXXXl XXXX account without my permission. 
The account is still showing on my XXXX and XXXX which is good. 

I contacted Transunion and they couldnt tell me why it was removed and they could not add the account back to my report and to contact the merchant to with I did. 

I contacted XXXX XXXX and they said they are reporting to all three credit bureaus. They told me to contact Transunion. 

No one has helped me with this issue and they both is giving me the run around. 
This has hurted my Transunion credit score like 200 points and I dont know what to do to fix this. 
I need some help please.

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 2021-11-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought four XXXX watches from Best Buy using the Best Buy credit card all four items should be delivered on the same day in this case when I get home I only see two items at my door I called Best Buy about the issue they said they can refund me Reship the item I asked them to re-ship the item if its available they said they reach out back to me when they reach out to me by email its a refund they issued to me on XX/XX/XXXX from XX/XX/XXXX till now I have not seen that money going back on my Best Buy card I called the bank about it they keep on transferring me to Best Buy having me on all for 1 to 2 hours and cut me off at Even text them on their app and theyre stating that theres a refund issued out but I am not seeing that refund Till the representative asked me if I report the case to the police yes I have report the case to the police and they have done the investigation and saw that its all going to item was delivered that day I dont know what scam game Best Buy is doing what they need to resolve this issue

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my 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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Santander Consumer USA Holdings 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:
the following account appears on my credit report, without any authorization, it does not belong to me Identity Theft CHRYSLERCAP Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
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:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX  XXXX  denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is 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 2019-11-06
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom this may concern. I have been filtering calls from Midwest recovery systems. The call 's or from an automated system and the messages that there are leaving are trying to contact the individual add this number in relations to a debt. The problem I am having with these calls is that they're not asking for the person who incurred the debt. The other problem is they are not willing to tell me the original creditor in which the dep had occurred. The 3rd and most important problem with Midwest recovery systems is that they have been Reporting negatively on my credit report for no apparent reason. I understand that there are collection agency but they don't have their original creditor and I am not going to pay the same bill twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX the Capital One made a chargeback of {$1300.00} on my credit card due to a dispute I have initiated against XXXX XXXX XXXX however on XX/XX/XXXX the Capital One had it reversed into my account as " purchase adjustment ''. At that time I was told to send more documents yet to be mentioned in a letter that I was going to receive a few days later if I wanted to keep the dispute on. On XX/XX/XXXX by Capital One request, I had sent a fax with 10 pages to the number ( XXXX ) XXXX therefore I never received any follow up from Capital One about my dispute case. Later on XXXX, XXXX I called them and I was told that they were not able to see any fax recorded into my account and so they emailed me a link to have the requested documents ( attached below ) uploaded. Once more, I never received any follow up from them yet I was told to wait for their answer at many calls originated from me in order to have more information about it. That said, I made a call on XX/XX/XXXX and asked to speak with a manager thus I was told by a manager XXXX ID XXXX that my case was over and no option was left for me. It is unacceptable since by the Fair Credit Billing Law, I have 60 days to dispute a case.

Company response to consumer: Closed with explanation