BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I made a payment to Paypal. At that time the Representative mentioned they had my information on file when i requested it be removed. The Representative mentioned two bank accounts which I used without me providing any information. I requested a manager. At that point in time I made my payment and returned to the issue of my information being on file.

I was told it was not on file. I explained what had been told to me. I was assured again that it was not on file. I requested information to file a regulatory complaint. I as told I could only file a complaint with Paypal.

After disconnecting I called back. I asked to make a payment, I was told none of the information could be seen after a long pose when the agent read the note. I asked if the agent was reading the note from the previous manager. I was told she had not read it yet, but could see a note from my previous call. I requested a manager. 

I requested information to file a complaint and asked for a credit due to the hassle. I was told that both issues had to be researched and would be given a call back. I received a call back and was told the legal department did not have the information for either case. This was the last time I heard from Paypal. They have not contacted me either by e-mail or phone with any further information, leading me to believe they wished for me to delay in researching how to file a complaint on my own until I had forgotten about the 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 explanation
Consumer complaint received 2019-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX myself ( and I'm sure other members ) received an email from USAA stating " You are among a group of members who will receive a restitution payment due to one or more requests you made to dispute a payment between XX/XX/XXXX and XX/XX/XXXX. At the time you made your request, there is a chance your request was not handled properly. This information is for your awareness only and you do not need to take any action. 

About your restitution payment You will receive a restitution payment of {$180.00}. Affected members with an active USAA Bank checking or savings account will receive a direct deposit into their account. Members who no longer have an active account will receive a check. 

This payment is being provided in accordance with the terms of the consent order issued by the Consumer Financial Protection Bureau on XX/XX/XXXX. The amount of the payment was determined in coordination with the CFPB. 

Timing for your payment We will be working with the CFPB on the restitution process in the coming months and while we can not provide an exact date for providing restitution payments, please know we are making every effort to get this payment to you as soon as possible. '' This is going on the XXXX month and I still haven't received payment. I've spoken with managers and someone in the CEO 's office about this ( and related to another open CFPB complaint ) and was stated they were trying for XX/XX/XXXX. The delay I'm sure is due to the XXXX dollar fine they had to pay recently on another case, but nonetheless it shouldn't take 3 months to pay what you guys ordered them to. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
-Check Date XX/XX/XXXX -Check Amount- {$700.00} -Check made out to- XXXX XXXX -Provided the First XXXX XXXX routing and account number. 
-I closed out the account on XX/XX/XXXX -Nothing could be found while I was on the phone either time. 
My account was a XXXX XXXX checking account that was transferred to Key Bank as the companies merged. I've spoken to Key Bank twice providing all my needed contact details-Phone number, Email address, and updated mailing address.

1st phone conversation XXXX, promised a call back with information, no call was made to me.

2nd phone conversation XX/XX/XXXX, did receive a call back, but was advised the same details as the first call, " I'll open a research request to have this reviewed for the check copy ''. I requested the check copy be sent by email as this is needed for a Court Case. I was advised no problem. I was advised that I would be followed up with in 3-4 days by a person from their research department advising of a status. This timeframe has come and gone and no communication by phone, email or mail has been received. 

This check copy is highly important and is time sensitive to me. I'm in no way confident that any action has been taken place by Key Bank. All details that were given to me, such as follow up have fallen through. I need help to get this matter resolved as it seems I've been forgotten about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NJ
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:
Hey I was taking advantage of due to non-practical laws being broken due to XXXX by your company. This causing financial injury. this destination of character. I cant get a job. I can't apply for credit. Hey i can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Credit Plus Inc
State: NC
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:
My credit was pulled by XXXX XXXX on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by XXXX to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call XXXX XXXX in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another XXXX XXXX XXXX. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that XXXX presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in XXXX system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
XXXX XXXX XXXX has re-aged the DOFD in violation of the FCRA. This is a XXXX   account. Pursuant to the FCRA, the DOFD has to be reported within 90 days of reporting. This time as since past years ago ; and, this account has been actively and erroneously been reporting on my credit files since XX/XX/2016 until the present time. I would like it DELETED in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I received notification that my credit score went down. I researched and found the company Waypoint Resource Group Collections on my XXXX, XXXX and XXXX reports. Theres no account number assoicated with the dept of XXXX. Says the debt was created XX/XX/18. This is an error on my credit. I am sending them a request for orginal documentation with my signature or they need to be removed from my credit report. I am a senior and I feel like XXXX, XXXX and XXXX are not doing their job in protecting consumers. Please help me get this erroneous deleted from my credit report. I can not apply for jobs or apartments that check your credit because of these three major credit companies. Please help me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
They force me to change my password repeatedly and wont allow me to use my own password. Refuse to help and suspend my access online.

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 2023-08-31
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: CT
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 continually made disputes with XXXX, XXXX  and Transunion concerning the numerous names and address attached to my credit report. I have sent them verification of my name via social security card and proof of address via driver license and current mail. 
I have never applied for credit under any of the names or address 's they have listed. My fear is they have my credit report merged with someone else who has the same name or close 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 2019-08-15
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid in full collections to CBE Group amount of {$360.00} paid in XXXX of 2015 ; I need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Genesis FS Card Services, Inc.
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:
Apparently this credit card company places a hold on the account for month. So after making a payment they place a hold on my card until the next billing cycle. Which makes me not be able to use said card. How is this even legal? Its like Im getting punished for making a payment to my account. But if I cancel it hits my credit score major.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Citi bank account was on hold back and XXXX and they told me they were closing my account. This account had all my money ( {$17000.00} ) and there was nothing I could do. I waited and waited and waited for a check to come in the mail for my money. They finally let me know they closed my account on XX/XX/XXXX. This is 4 whole months later. But finally it's closed and they tell me 5-15 business days until I get my check. It's now been a month and nothing. I received my final account statement and it said my starting balance for the month was {$17000.00} dollars but my ending balance was XXXX. It shows under withdrawals as " other withdrawal : {$17000.00} '' i call up Citi and after an hour on the phone one of the supervisors tells me that Citi bank owes me zero dollars because that is what the last statement says. And hung up on me immediately. So now I'm panicking as every penny I worked for is gone and I'm at zero dollars and Citi bank hangs up on me every time I call them and ask about my account. Please help me Its also important : this started as a fraud hold that I tried to clear up from a purchase of mine and then they put my account on hold for over a month in XXXX. I kept calling and calling and calling and they finally closed my account on XX/XX/XXXX. That is when it shows on my final Statement that other withdrawal of {$17000.00}. I keep calling them and they keep telling me I have zero dollars due to me because thats what it reads as my last 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 explanation
Consumer complaint received 2023-01-03
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:
My name is XXXX XXXX and I am a victim of Identity Theft. I have recently obtained a copy of my credit report and the information does not relate to any transaction that i have made and has incorrect addresses. I am requesting that the credit bureaus completely block and remove this incorrect unknown information from 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 2018-12-14
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 Hi my name is XXXX XXXX. My place of employment was contacted by phone number XXXX by a person named XXXX XXXX. Repeatedly trying to get in contact with me about a possible debt which I do not have any knowledge or written notification of ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Movement Mortgage LLC
State: NC
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:
My credit was pulled by Movement Mortgage on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by Movement to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call Movement Mortgage in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another Movement Mortgage Office. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that Movement presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in Movements system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for new linked checking and savings accounts on XX/XX/18 in response to Citis advertised offer of {$400.00} to transfer {$15000.00} from my old bank and maintain that balance with Citi for 60 days. I did that and I confirmed with Citi by online chat on XX/XX/18 that i had met eligibility requirements as long as the funds remained in the account until XX/XX/18. Citi has deposited the promised funds to my account.

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