BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my XXXX XXXX and it has dropped my XXXX XXXX by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against Transunion for XXXX disparities for their credit reporting practices against minorities. My XXXX XXXX dropped then too.

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 2019-06-18
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern : Have been a customer of with PurePoint Financial, an online division of MUFG Union Bank. 
I repeatedly complained to various government agencies about their practice to interrupt outgoing transfers to their benefit at expense of the customers. I currently have a 13 months CD with them, opened XX/XX/2019. On XX/XX/2019 between XXXX and XXXX XXXX PST a person identified herself as XXXX ID XXXX manager at PurePoint Financial demanded over the phone as I complained a lot in the past about their fraudulent practices I am to close the CD and transfer the money out or, if I do not do it she stated the bank will close it itself in several days and send me a check, thus keeping the money interest free while I receive the check and transfer it to another institution. It is important to note that they offer lower interest now on the CD compare to what I received, so closing it is to their financial benefit. And she stated the bank will not pay any interest of penalty for itself breaking the CD long before the maturity. 
I clearly stated I DO NOT intend to close the CD and DO NOT give the bank a permission to do that. 
She stated it is irrelevant and hang up on me. 

Sincerely, 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 2019-06-18
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
paid off in full they just keep switching lenders

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 2018-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 an account that i have never paid late but they reported my late 2 months. I always paid online and was given notice that my payment was always paid on time but a couple times i got notice 30 days later that due to a website problem my payment was never received. It was reported as late on my report and effected my score negatively and they won't correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: States Recovery Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The reason for my complaint is XXXX was not completed to my satisfaction. 

How does SRS have standing when the documents they sent you does not have a contract to collect from original creditor? What authority do they have? 

How did State Recovery Systems ( SRS ) verify I owe them money on a debt? 

I deserve to know the method used to verify this debt. I demanded original wet ink signature on application, not provided. 

Look at the documents they uploaded. There is no contract between SRS and the original creditor. 

How can they verify a debt that they have not proven is owed to them? 

Is this a violation of FCRA 1681 and section 609? FDCPA? 

Also I sent them a certified notarized letter that states that I do not recognize the signature on the contract that was claimed to be mine on a contract, I did not sign that, it is not my signature on any application and someone forged my name. 

Please have them remove negative reporting to 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
Previous Complaint # XXXX was closed without allowing me to provide counter input related to the company 's response issued on XX/XX/XXXX. 

In the response letter ( reference # XXXX ) from company, the company argued that " when there is a request made by one of our Card Members to refund a credit amount, we process the request, if the minimum payment is satisfied, we will honor the request. When you requested the credits back from us, there was no reason to decline your request. '' However, what I requested on was to REFUND the available credit on my account, and I NEVER asked for CASH ADVANCE for extra credits than should/ could be refunded. By legal definition, REFUND means to pay back by the party who has received it, to the party who has paid it, money which ought not to have been paid. On XX/XX/XXXX when I requested for REFUND, I was instructed by customer service representative that {$33000.00} was the AVAILABLE credit balance that could be REFUNDED. If that was the correct amount could be REFUNDED, I would not have owed anything from the bank and I would not have been charged {$8900.00} in next statement to pay back American Express. The fact that American Express asked me in next statement for {$8900.00} to pay them back implied that American Express representative either provided wrong information about the available credit balance that could be REFUNDED, or incorrectly interpreted my verbal authorization for REFUND and approved / processed a large amount of debit off my account which is {$8900.00} more than the available balance that could be REFUNDED. Such amount of {$8900.00} should have been processed as CASH ADVANCE transaction, which I never asked for or authorized. 

Therefore, I argued that the {$8900.00} should have been a CASH ADVANCE transaction which I never asked for or authorized. It was processed as bank error and the bank should waive any interest or fee associated with such error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Their investigation did not fix an error on your report

Complaint:
I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with XXXX and XXXX. I filed a dispute with both XXXX and XXXX to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.

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 2022-03-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my credit score and it has dropped my credit score by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against XXXX for XXXX disparities for their credit reporting practices against minorities. My credit score dropped then too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with XXXX and Equifax. I filed a dispute with both XXXX and Equifax to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never had any loan from this company. I would like the paperwork sent to my home to have a better understanding of what this is about. I dont appreciate this company putting this on my records when i have never received one call or letter in the mail from this company. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 the FCRA 15 USC 1681 section 602, my rights to privacy have been violated by Navy Federal, XXXXXXXX XXXX, by putting late payments on my credit report due to improper use of my credit report.under 15 USC 166B section 2. I have written to all credit bureaus to show I did not consent to several companies pulling credit checks which is fraud such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX which were all done on XXXX XXXX. I had a deal with XXXXXXXX XXXX  with no money down already approved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: IL
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 despise it! I've already spent months sending disputes and filing complaints, but I'm not seeing any results. This is causing me a great deal of pain and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have reported before regarding my personal information. My name is inaccurate and any account tied to these name are not mine. I'm sure someone has these names, however it was reported inaccurately. 

XXXX XXXX XXXX XXXX This is NOT my name. 

There is a XXXX XXXX # XXXX, which XXXX is the original creditor account tied to XXXX XXXX. XXXX is not mine. I have not had XXXX known as XXXX 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 non-monetary relief
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: MS
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:
The information reporting on my account is inaccurate, there are multiple addresses and names associated on my credit report that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2019 i received a phone call from Iberia fraud department asking if i was authorizing a debit of {$49.00} i told XXXX no but on XX/XX/2019 my account was debit for {$49.00} for this amount even tho the card had been cancelled.

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 2019-06-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have EXPERIAN monitoring. they are also matching me up with cards and when I apply for those cards I get denied and when I called them today and asked to speak to a supervisor I was given the runaround and was given to a lady who and when I asked her if she was a supervisor she would not give me a direct answer when I kept pressing her for the information I needed she kept threatening to hang up on me and telling me that she did not have to give me her supervisor even though I asked numerous times. I pay for this service and I wanted to do was speak to a true supervisor someone who could help me with my issue. I again was not given a supervisor or a person that could answer any of my questions legitimately and when I asked them to help me and give me the supervisor at the main person in charge of that department I was told they do not have to do that which I think is illegal

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 2018-07-21
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I purchased this Netspend card at XXXX to give to my child on his trip. I bought this card on XX/XX/2022. We tried to activate the card however the system said that I need to speak with a live agent to complete the activation. 
I called back on XXXX  XX/XX/2022 to ask for refund as my child is back from his trip and there is no use of this card. I spoke with XXXX and he spoke to my child and activated the card under his name with out our knowledge. When questioned he said that the card got activated under a Minors name and they can not do a refund. Spoke with XXXX supervisor who said that she can add my name as a primary but I insisted on getting the refund for which she said that her manager is going to call me back in 2 business days. 
I waited for three business days and never received any call. When I called back Wednesday XX/XX/2022 the rep said that there is no Supervisor by the name XXXX and they can not do the refund. I was upset with XXXX for carrying such cards. Its a hassle to get the card activated and if it passes 30 days the card will automatically deduct {$6.00} and for every transaction they charge a processing fee if {$1.00}. 
Thank

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 2022-03-03
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: Problem with personal statement of dispute

Complaint:
I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my credit XXXX and it has dropped my credit XXXX by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against XXXX for XXXX disparities for their credit reporting practices against minorities. My crediXXXX XXXX dropped then too.

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 2019-06-18
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2019 Speedy Cash debited my ENTIRE pay check from my account WITHOUT prior warning or notice. 

This money was my rent money. 

I missed 2 payments on the loan, so they took the entire balance without letting me know. 

The amount was {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: MOHELA
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, XXXX refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something XXXX and Mohela did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. XXXX corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.

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