BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I had tried to open XXXX accounts, XXXX was business and XXXX was personal at XXXX XXXX, and also at XXXX XXXX. I was told by both banks that I am unable to open account today due to their system reporting back that I am showing up in their system, under CHEX SYSTEMS, and that I am bot able to open the account. 

I have never had this problem occur ever, and I also am aware that I DO NOT have an outstanding balance with any Bank or any Credit card company, in fact my credit score is above XXXX. 

I work for XXXX XXXX XXXX and XXXX  as a XXXX XXXX in XXXX XXXX and maintain my credit and history is very important. 

I have had Identity Theft done to me in the past were I had notified all 3 Credit Companies, Social Security Office, WA DMV, Federal Trade Commission about Identity Theft and How I was a victim of it. I had also filled out ID theft Victim Document and notarized it to provide to all the company 's as well. Their were credit cards and many credit inquiry 's that were happening to my account which I was unaware of. Some one was using my identity. 

I had then noticed that their was an account opened with XXXX XXXX under my name which I never was aware of and never did I open this account or authorize anyone to open it on behalf. Their were transactions happening on that account and someone was actually using it as a bank. I immediately contacted the bank and notified them of the situation and sent in all the documents, and instead I was told that this is false and they do not believe me. 

I had then checked again 2 months later and then their was an account under XXXX opened recently under my name, and prior to that their was XXXX account opened some time back as well. I then again filled a police report and filled ID theft. I called XXXX XXXX left a message several times and never heard back. I also notified 3 credit company 's about this issue and they replied within a timely manner. 

It has been one thing after another, XXXX bank finally resolved the issue and took me off their system, but I am still showing at Check Systems and it shows that Washington XXXX had sent over a complaint against me to put me under check systems, but I never banked with XXXX XXXX and I did contact XXXX XXXXl and let them know that along with Check systems but nothing has seemed worked and has only caused problems. 

I would like to have my name removed from Check Systems as I never opened an account with XXXX XXXX or XXXX or XXXX, I bank with only XXXX XXXX and have been since 2004. 

I need check systems to remove my name off the list as son as possible so I can bank with other banks and not have a problem. 

Thanks in advance.

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 2017-11-28
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The bank offered a promotional 0 % interest rate. When it expired I paid off the balance. However, the bank applied the balance to a lower-rate balance and charged me 19 % on the former promotional balance. When I called to complain, I was given the run around and my call was dropped. When I called back in the bank tried to confuse me, but I know they misapplied my payment. My payment, which exceeded the minimum payment, should have been allocated to the highest rate balance, and it was not. The bank wants to cheat me and they think I am too XXXX to know it.

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 2019-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Since the opening of our USAA account, they have continuously posted transactions accordingly to the account. The account would reflect the transactions within the business day, displaying the proper available balance. Then, our transactions would disappear for a whole business day, reflecting that amount of money back into our account. We would then spend the money USAA told us was available. The next day the previous transactions appear along with our new transactions, reflecting a now overdrafted balance. I believe they use a computer algorithm to do this on purpose to those with continuously low account balances in the hopes of charging us overdraft fees. 

For example, recently on the XXXX of XXXX, we made XXXX separate purchases of {$14.00} to the XXXX XXXX XXXX via XXXX and the official website. These transactions posted to the account and reflected in our available balance on that day. Yesterday, ( XX/XX/2019, a whole week after the payment posted ) I checked my account balance and saw I had {$30.00} available. I looked through my purchases thinking there might be some mistake, but didn't see anything amiss ( though thinking back, I didn't see those XXXX specific purchases listed. ) I spent the {$30.00} yesterday. Today, I awoke to see that my balance is overdrafted and suddenly the XXXX purchases are listed as having been Authorized and Posted yesterday, XX/XX/2019! Yet I have been using my subscription this whole time and was never made aware of any problem with my transaction. 

This is predatory banking practice and highly unprofessional! We entrust our money to a bank with the expectation that our transactions go through in a timely manner and that our accounts are balanced properly. In having a Visa Debit card with USAA, it is inherently understood that I should not need to balance my own account with pen and paper as I would have to with a check. I will not pay another overdraft fee because of their mismanagement of my account and I expect that they be the ones who are fined accordingly for preying on low income families ( and MILITARY FAMILIES at that! ) Yes, in some degree this is my fault for trusting the available balance listed and not expecting to be yet again cheated by their predatory algorithm. One should be conscious of how much money they have to spend regardless of what their bank tells them. It seems almost too absurd that a bank would do this to a customer and yet, here it is!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There was a fraudulent ACH charge on my acct and the bank tells me that theres no way to prevent any future ACH charges from acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date assigned XX/XX/2017 Violation of HIPPA.

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 2019-04-25
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:
Multiple names and addresses are reporting on my credit report. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: BB&T CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am at time and are still a struggling poverty /meets requirements and overqualification due to, income and social atmosphere and other sites reality wise also known as clock coordinated when most earmarks of attn. or fax copy right /pilgrism/ or theft ... infringement, inappropriate in some if, the company receives info. competing / other unsafe practices have been happening and version of companies oversees having tech giants with a 7 window startup, than the lesser more legal by every standard and poor credit 3 to 5 credit safe way a urban complaint regarding construction and a XXXX company small business that was damaged when I wasn't working leaving, those who trusted me still do hoping / trusting in a complaint to or about first XXXX /XXXX XXXX / XXXX XXXX XXXX and employees who treated I have mentioned this to police, XXXX XXXX XXXX etc. threats for me to end with XXXX treatment over XXXX XXXX XXXXXXXX and im sadly not shocked, im not a know everyone type of someone.

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 2019-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Disputing the willingness to take some of the responsibility of damaging my credibility on misleading information. Had I been told you were reporting my payments as being late all could have been avoided. As a consumer reached out on several occasions to keep in good character with the company and issues still not resolved. Haven't been able to log on to my mobile account in almost 9 months call customer service to know resolve. Told by representatives credit report sent to credit bureau last day of month totally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
collection not mines

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 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please update the attached information to my credit files.

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 2019-04-25
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX Credit Card partial account number ****XXXX-XXXX. ( Please see page 7 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX XXXX IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian reports a public record of chapter XXXX petition in which there is no plaintiff, no liability and no status.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
On XX/XX/2020, I reported this account, XXXX, CFPB claim # XXXX, as one of two accounts that I have now paid both accounts a twice to XXXX XXXX . This time I made certain the documentation showed the agreement to deposit my check for the removal of the account from the credit bureaus. After receiving the second payments on both accounts, two separate XXXX agents ( on two separate days ) told me they could see where the accounts were paid the first time, down to the date, time and penny. All bureaus have finally stopped reporting the accounts, except TransUnion. I have sent in multiple letters to TransUnion showing the confirmation letters from XXXX, yet somehow TransUnion just keeps " verifying '' the remaining account? I even sent a letter asking them just to actually call XXXX, pick up the phone and make an old fashioned phone call. Not only were all attempts to correct the error " verified '', the account was updated to a " charge-off '' and still reports as an " open '' account? This seems absolutely absurd that these bureaus have so much control over our financial conditions, yet they have no regard at the injuries they cause to the consumer, to be so reckless in their reporting that it can ( and did, significantly ) cause financial destruction for me, which directly impacts my provisions for my son. Now I am trying to repair all the damage done by TransUnion 's careless reporting and they are just bumping along, still reporting this account that has now been paid twice, reporting it in complete error to hurt my credit score more, completely ignoring all communication by me to resolve the issue, and is completely unreachable by phone? This hardly seems okay, again it seems a lot like fraud.

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 2019-04-25
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX  Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks

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 2022-08-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022, I, the consumer entered into XXXX XXXX XXXX to purchase a XXXX XXXX XXXX on credit via my credit card ( 15 USC 1602 ( l ) ). I, the consumer initiated a credit application with XXXX XXXX, to purchase the XXXX. My consumer credit was ran by TOYOTA FINANCIAL SERVICES, in which they denied me, the consumer for an extension of credit. TOYOTA is in violation of the ECOA and TILA. Any adverse action taken against the consumer is unlawful. TILA states it is unauthorized use of a credit card when the cardholder receives no benefit. 15 USC 1691 makes is clear when it said " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. '' Consumer was discriminated against when TOYOTA financial services denied consumer the RIGHT to extend credit, when I, the consumer, acted in good faith exercised my rights. TILA defines credit as a right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/XXXX into the ATM at Regions XXXX Branch. A hold was placed on the check because it was not endorsed by the mortgage company. I spoke with a bank teller who stated that the check would clear in 30 days. On XX/XX/XXXX the funds were moved to the back office. The hold can no longer be seen on my account. On XX/XX/XXXX I made an appointment at the bank inquiring about the funds. I was told I should hear something within a week. I heard nothing. XX/XX/XXXX I made another appointment. I was told I would hear something in 24 hours. I didnt. I went back on XX/XX/XXXX. I was called 2 hours later stating the check was returned to XXXX XXXX XXXX who is the issuing bank. On XX/XX/XXXX, I had my insurance company to trace the check. The check is still showing as cashed on XX/XX/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 2018-03-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.

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 2020-12-17
Company: Source Receivables Management LLC
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: Old information reappears or never goes away

Complaint:
Account was closed and phones returned to XXXX on XX/XX/2017. Within two months of closing account, XXXX claimed phones were never returned and account was not closed. The issue was briefly resolved, then within 6 months statements began showing up again. Then the account showed up on my credit report under collections. The collections would get disputed, removed, then show up again on my credit report under a different company. XXXX refuses to assist, stating the store the phones were returned to did not process the phone return and account closure correctly. To make matters more difficult, the store the phones were returned to is no longer open. The representatives at XXXX can not even locate the store in their database anymore. Now the account is showing up multiple times on my credit report with no help in sight in getting it resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
It was my daughters loan originally. She stopped paying & since I am the co-signer. I took over & agreed on an amount ( {$120.00} ). It was all I could afford. The loan was XXXX XXXX originally. Then Navient took over. A year after my agreed upon amount was made, they doubled my payment & have been over charging me ever since.

Company response to consumer: Closed with explanation