BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-24
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My us bank reliacard account froze my account during covid pandemic I can not remember how long. Or when exactly it began.. but there was a balance of XXXX in my account and I could not. Access funds .. i. Called and and called and called usbank.because there was no notice of anything wrong with my account and. I needed the money to survive... I couldn't transfer money or use the card at ATM. I can't believe how difficult it was dealing with the issue my ex girlfriend _then current _girlfriend. And I were left on the street and I was told by customer service there was nothing. I could do. I lost everything because there was no solution... Other. Than call unemployment, I contacted unemployment office after a few days of the line being. Busy or just not working and waiting on the. Fone for hours.. no. Solutions.. I couldn't pay the phone bill I lost the ability to have the convenience. Of using I ter et.. I can tell. You the mailing. Address of where the uscard was sent to XXXX Texas originaly and where the address was changed to after the account was froze... But I have absolutely no documents because my ex wife and I had problems communicating and getting. Along because of personal issues and but. My name and. Social and I haven't changed my fingerprints

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 2023-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 non-monetary relief
Consumer complaint received 2020-01-05
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: Account information incorrect

Complaint:
This company is committing credit reporting fraud. They have changed the date of the repossession on my credit report from XX/XX/XXXX to XX/XX/XXXX with 120-180 recent reoccurring late payments. Initially it reflected open with the same late payments after reaching out to this organization as well as many others this company continues to use Equifax reporting system to victimize me with inaccurate information. I am in fear of this company and how it continues to use Equifax to openly conduct fraudulent credit activity against my Equifax credit reporting and I want something done I demand they be restricted from accessing my credit report to continue to be allowed to illegally report inaccurate information knowingly. Ive been in constant dispute over the account since XXXX when they refused to document the cars resale this company has to be stopped. Why are they being allowed to use a company we rely upon for accurate credit reporting to be allowed to utilize the reporting system to victimize consumers. I demand this company to be removed from my credit report and blocked from accessing my credit report I am in the process of filing a police report against them as we speak for the immediate crimes being allowed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In 2017 I froze all credit with all three credit bureau's after the XXXX data breach.  Today I am considering a new loan and contacted all three.  I had success with all but Experian.  Online I went through a series of giving info and answering questions to be told they couldn't verify if and require me to mail in name, address, dob, ss# copies of drivers license, utilities bills and a pin number I never received from them.  I called and answered all the questions again to which they denied me requests and gave me the same requirements and an address and the automated system quickly hung up the phone with no option to hear it again or speak with anyone.  This is an outrage as I  don't have a pin or any info from them from 2 years ago or any option to contact them but  snail mail and maybe I will hear from them who knows when!  I need to make purchases and have credit verified immediately with the option to freeze and unfreeze my credit immediately or within an hour or so due to the XXXX breach.  Experian makes it impossible if you do not answer correctly with no option but postal mail and serveral days.  I you have a purchase emergency where credit has to be verified you are out of luck.  They need the option of someone answering the phone to verify.

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 2023-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
It's been going on for 2 years. That I have not had a security credit card in my possession. I have continuously tried to fix all the bank issues bank of the west has given me, including all the overdraft fees, on my regular bank or checking account as well. With this being an issue, I have not been able to build my credit correctly. It's hindered a lot. 
I've called the bank, went to the bank. Ordered card, did everything that I could possibly do. And nothing happens and I have yet to receive a secured card so I basically have a secured credit card for nothing. Not including the lack of Service provided to resolve my issues correctly has not been for for field.

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 monetary relief
Consumer complaint received 2020-01-05
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was in income driven repayment. I lost a job had a baby and called to report change to income. Loan service said they needed information regarding wife 's income so I submitted it. Nothing changed On my payment amount so I contacted them again and was told they never received it. Offered my forbearance or deferment on my loans while I resubmitted income driven repayment application. I submitted said income driven repayment application along with wife 's income documents ( pay stubs ). As of XXXX I still have not received any adjustment. My loan payment is increasing to over {$300.00} which I cant pay and will end up in default. I submitted a new application had wife cosign submitted new pay stubs from XXXX and await loan services response. That Sums up my first complaint. My second complaint is about a payment that was deducted from my bank account on XX/XX/XXXX. Ir finalized in my account XX/XX/XXXX. I never Authorized a payment be made. The money was deducted illegally without my authorization and I have sent an Email about it to Great lakes my loan servicer and haven't yet received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Calling Credit Coll at XXXX got XXXX XXXX He requested the address, I asked if they could confirm the DOB instead but they dont have my DOB on file so they asked for me to confirm my phone number instead. Once that was done I asked if I could settle this today for deletion as I never got a written notice to dispute. 
Getting transferred to his supervisor XXXX at XXXX, I let him know no notification in writing had been delivered to me. I also know they dont even have my DOB on my file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: MARINER FINANCE, LLC
State: KY
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:
The people who operate mariner Finance company are putting additional funds onto an account that has been placed with an attorney and the attorney has filed a lawsuit against myself and my girlfriend and they closed the account.. 2 1 months later, they are still sending bad reports to XXXX and additional fees are being added, and they have been informed that the account is part of a bankruptcy proceeding by my girlfriend for the entire amount of money owed, but, they are continuing to harass me by sending you reports that cause my credit score to fall as of XX/XX/2019, they have no reason to do so other than for the personal persecution of myself and my credit. I want this to stop and feel that my credit score should be reevaluated and adjusted to get back the points that have been taken by their actions.

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 2023-09-05
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2023 they run a hard inquired for a car and I wasnt looking to purchase or get a car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am seeing hard inquiries from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I know majority of them should have been disputed by now because its been over a year. Can you please contact me back when someone has the time, thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: GA
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 HAVE SUBMITTED MULTIPLE DISPUTES IN REGARD TO THIS FRAUDULENT ACCOUNT. LASR YEAR IN 2021 THIS ACCOUNT WAS NOT ON MY CREDIT. I CONTACTED THE CREDIT BUREAUS TO RESOLVE AND THEY MENTIONED THAT THEY RECEIVED MY DISPUTES ON XX/XX/XXXX BUT WOULD NO LONGER LOOK INTO MY CONCERNS. THAT WAS TODAY XX/XX/XXXX AT XXXX EST. THIS ACCOUNT DOES NOT BELONG TO ME AND ITS A SECURED CREDIT CARD AND I HAVE NEVER HAD A SECURED CARD WITH ANYBODY AND I HAVE NEVER SIGNED ANYTHING AGREEING TO THAT AT ALL. THIS ITEM NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE ALSO SUBMITTED AN FTC REPORT AS WELL.

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 2020-01-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Went to court with lvnv funding and had a amount settled for XXXX a month for 12 months. We settled on a amount of XXXX in the court which there are court papers stating that as well as the company offering that. My payment will be done in XXXX as I only owe XXXX I disputed the amount listed they say I owe which is XXXX I called them in the beginning and told them that the court papers settled on a amount which they found and said yes they have it and I even mailed them a copy but they still keep the inaccurate amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion, XXXX, are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! 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 non-monetary relief
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX In XXXX I created credit freezes for me ( XXXX XXXX ) and my wife ( XXXX XXXX ). When my son moved into an apartment in fall of XXXX, and I was able to temporarily lift the freeze for a background check, for my wife as guarantor for the apartment lease. 

We're attempting to do the same today, and have been frozen out of the Experian online services system. We were able to answer the security questions posed by the website, but XXXX was unable to remove the freeze on the account. We are unable to contact Experian by phone, and have been directed to mail information to Texas to resolve the dispute. 

As I created a new account today ( but was nonetheless unable to remove the credit reporting freeze ), I saw that my wife 's credit score is XXXX and mine is XXXX. 

-- -- >>>> One problem with the Experian remove freeze page is that Experian requires two PINs, one 4-digit PIN for the account and a longer PIN for the freeze/unfreeze feature. The freeze/unfreeze page requests the personal PIN but doesn't specify that it is the freeze PIN. This invites confusion on its face, but becomes more likely when a user has not been to Experian site in months or longer. At the least, the freeze/unfreeze page software should alert for 4-digit pins, as they're likely mistaken account pins. 

-- -- >>> A second problem with the Experian online service is that it autofilled our zip code as the contact email, while listing the correct email for email verification. The zip code was correct for our address, but is not our email, so the error wasn't apparent until several ( too many, it turns out ) incorrect submissions, and the Experian website did not recognize that the zipcode was not an email address - a clearly foreseeable autofill error. Whether this is due to Experian or XXXX 's autofill feature, the possibility for mis-filling the form turns what is otherwise a convenience into an extremely frustrating inconvenience leading to much venting typing!

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 2021-05-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
on XXXX my XXXX XXXX american express was taken it was taken out of my wallet along with other bank cards and my XXXX XXXX credit card my cards where taken to a XXXX XXXX at XXXX XXXX, XXXX XXXX  NY XXXX at about XXXX XXXX and used to purchase {$310.00} of stuff and also at XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX {$28.00} was used for food all the cards where used but some cards had better security than others and i was able to get the money back from the companies and vendors it was a pretty easy case to solve it was clear cut fraud but for some reason my XXXX american express card will not do anything they will not refund my money that is why i am asking for help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I took a balance transfer loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX mastercard for {$130000.00}. I mistakenlyhad XXXX mail the loan to my Capital One ( CO ) credit card instead of 3 intended recipients including CO. I checked with CO daily`for arrival of the check and was told, if received, it would post within 24 hours. On XX/XX/XXXX, I was told that the check was received by CO on XX/XX/XXXX but was not posted till XXXX. On XXXX, I explained to CO that check was intended for 3 recipients and to please ACH or mail the excess funds to me. I talked to numerous reps including supervisor XXXX and I was told I had to wait 15 business days and then the check would be mailed in about 10 business days. They could not expedite it. I gave them recorded verbal authorization on XXXX for the check to be mailed. On XXXX, I called CO talked to supervisor XXXX to see if waiting time could be reduced as my other 2 intended recipients needed to be paid. She said the wait is in process and could not expedite. On XX/XX/XXXX I talked to supervisor XXXX from CO to find out my prior authorization from XXXX to mail check could not be found and I had to reauthorize which I did. I asked him to email me their wait policy or find it on their website. He said this was internal policy and could not share it. I told him as I had told others of CO all they had to do was contact XXXX  to verify I and the funds were legitimate. I also told them XXXX and XXXX where I have credit card accounts would mail me refund checks promptly without wait as this was not universal policy. I am still waiting for my check while I am currently paying over 8.5 % in one account and close to 16 % in another account that I would not have incurred if I had received timely refund.

Company response to consumer: Closed with explanation