BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I entered Vystar credit union located at XXXX XXXX XXXX XXXX fl XXXX, on XX/XX/2022 at XXXX pm. I just recently started working back for a previous company XXXX XXXX XXXX which provided a check as first pay method until the following pay period. I was judged the moment I walked in based on my race. I was informed by a XXXX who refuses to provide last name but basically stated prior to even looking my account up that I could not cash my payroll check and that cashing and depositing is the same if they have reason to believe it would be a returned check even though I have been a member Atleast 10 years. The supervisor XXXX XXXX walked over rudely when I asked to speak with someone because I cant believe Im treated so unfairly. She informed me that my account had several charged off accounts which is not correct as I have had the same checking account for quite sometime now. This really hurt my feelings as a human being to be treated so poorly at my own bank. I really want to close the account out due to this issue but I also want to push this issue as no one should feel like I am feeling. There is enough XXXX  in the world, your bank should be a safe space as they hold all of your funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2021 someone try to open an account with XXXX and PENTAGON FCU-XXXX TWO HARD INQUIRY

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 2018-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX Are these the types of policies and responses Capital One CEO XXXX XXXX confirms? 
- Why am I being forced to continually address this issues and report wrong-doings - Why do we have a system that encourages inadequate responses and deceit with rules and regulations that have zero consequences for deceit and noncompliance. 

Dog and Pony show ; an elaborately staged activity, performance, presentation, or event designed to sway or convince people from a derisive term for a small circus On XX/XX/XXXX I filed a claim of fraud charges on my Capital One credit card # XXXX Case # XXXX I itemized each transaction I requested to card closed and replacement card issued I informed Capital One that I was in XXXX XXXX XXXX XXXX, Mi. and provided the phone number for anyone to verify this fact. 
I informed Capital One I had a XXXX XXXX XXXX XXXX XXXX for 9 days causing damage to my XXXX XXXX and XXXX XXXX therefore was XXXX XXXX XXXX, I informed Capital One my Doctor said it could be weeks or months before XXXX and XXXX XXXX healed. 
On XX/XX/XXXX Capital One representative XXXX XXXX, responded but without addressing two ( 2 ) primary requests a. ) close the credit card b. ) reissue a replacement meant card as required per our contract 8. As of XX/XX/XXXX I have not received or been informed a replacement card had been sent 9. On XX/XX/XXXX I signed on to my account to check for any messages addressing the replacement card and could not find any. I also checked my email, but again no messages 10. Capital One offers live Chat therefore used the chat and the representative refused to answer my question on a replacement card and informed my i must call.I again expressed to the live chat representative I had just came home from hospital, had damage to my XXXX  and XXXX XXXX and XXXX XXXX XXXX. 
11. The representative was unapologetic again refused to address my question and deliberately disconnected us. 
12. By these actions any reasonable person would agree that Capital One is refusing to discuss this situation with me unless I call them. 
Note : there is nothing in our contract agreement stating calling is the only form of communication 13. It seems Capital One does not want to respond in writing because they do not want a written record and the only reason for this is intentions of wrong-doing by Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent a certified letter to Experian ( USPS Tracking # XXXX ) to request information regarding items listed on my credit reports. I sent the certified letter to the address noted on the Experian website. XXXX XXXX XXXX, XXXX, TX, XXXX. The letter contained all of the identifying information Experian listed on the Experian website, as well as a list of hard inquiries I was requesting information/documentation about hard inquiries on my report, per section 609 of the FCRA. In addition, the request was to provide me the documentation related to each inquiry, as well as remove any of the inquiries if they could not verify and provide me the documentation they used to verify the information they are reporting. This letter was confirmed delivered on XX/XX/XXXX by USPS. The original letter is attached. 

On XX/XX/XXXX, I received an e-mail ( also attached ) from Experian stating that they have not taken action on my request as a " precautionary measure. '' On XX/XX/XXXX, I sent another certified letter to Experian ( USPS Tracking # XXXX ), addressing the e-mail. In the contents of the letter ( attached ), I included the original letter I sent on XX/XX/XXXX. In the second letter, I included confirmation that the letter sent on XX/XX/XXXX was from me, acknowledged their response and refusal to take action on my request, and asked them to provide the information originally requested, per section 609 of the Fair Credit Reporting Act. 

It is worth noting that I followed the instructions listed on Experian 's website, XXXX XXXX XXXX XXXX. I attached the below-required information to both letters of correspondence to Experian. 

- Full Name ( Printed, and listed on picture of drivers license ) - Date of Birth - Social Security Number- All Addresses I have lived during the past 2 years - A copy of my government-issued Drivers License - A copy of a utility bill, bank or insurance statement, etc. I included my W-2 for XXXX. 
- I also attached a statement from XXXX XXXX XXXX XXXX to this new letter in case the W-2 did not meet the requirements, on the second letter that was sent on XX/XX/XXXX. 

On XX/XX/XXXX, I received an e-mail from Experian. The e-mail ( attached ) was the exact same response as the previous e-mail sent to me on XX/XX/XXXX, stating they are not taking action on my request as a " precautionary measure. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I used my car title to borrow in XXXX from One Main Financial. This was for XXXX yrs. I recently paid them off ( XX/XX/XXXX ) they posted the check they got, released the XXXXien and sent to Dept of Rev for which I have received a title. 
Problem is this : I took out a 2nd lien on my home to pay off my debts thru XXXX XXXX. XXXX sent One Main {$3600.00} which was an overpayment in itself. They have refused to return the excess. 
My bal in XXXX was {$3400.00}, I paid {$200.00} early XXXX which was late and should have included a late pymt amt of {$10.00}. I didn't pay the fee because i knew they were getting the payoff check. So, my bal for XXXX should be at least {$3300.00} when the principal and interest was applied. 
I was paying ins for just in case I lost my job or was laid off, that was upfront fee.They took the {$3600.00}, charged an extra prin and int ( XXXX before applying the amt they got ) instead of applying the total amount to the bal due.They didn't give back the excess insurance amt but placed an additional charge again in order to use up the XXXX XXXX sent. I called and the mgr. was defensive still have not heard from them from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: NRA Group, LLC
State: PA
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 of occurence XX/XX/XXXX. It was explained to me by the medical billing department ( XXXX XXXX XXXX ) that the debt was paid to and processed by the incorrect department ( XXXX XXXX ) resulting in a collections on my credit. I attempted to have the problem corrected and the funds paid-in moved to the proper department and was not successful. I offered to pay the debt if the company would remove the negative information from my credit file. I was told by the billing representative that the negative information would stay on my file until the statue of limitations is reached. The debt has since reached the PA statue of limitations on medical debt as of XX/XX/XXXX, and I would like the negative collections report to be removed.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 don't know what to say anymore and you just keep on saying everything was still in review. please review my letters properly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: OH
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Florida governor has made a referral to the Florida Department of Revenue for possible tax fraud. The Florida Department of revenue is out millions on intangible & stamps taxes since 2008. Lenders have been evading taxes due on the loan modification increase in the billions nationwide. This is the biggest tax evasion scam ever by financial institutions, Select portfolio is one of them. When regulators walk into your places of business and ask to see your loan modification files from 2008 and forward I know we are going to find jackpot. BTW, if you record the loan modification the FBI will come after you for public corruption. you illegally recorded the loan modification on an unrelated case and the matter is being investigated. XXXX XXXX not accept loan modifications not notarized, why? because they required the original notarization. The loan mod reflects it was not notarized therefore you are barred from recoding it. Select portfolio you are a fraud and should not be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Defamation of character, reporting in accurate information about me. Reporting a charge off account from years ago as current and owing when its charged off. See attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new savings account with Ally Bank and deposited {$50000.00} by ACH transfer from XXXX  XXXX XXXX in XX/XX/XXXX in order to qualify for a 1 % bonus incentive plan ( in addition to their normal savings interest rate ) which required new money to be deposited and kept in the account until XX/XX/XXXX. The incentive program was to pay a 1 % bonus up to {$500.00} which was supposed to be paid by XX/XX/XXXX. The bonus hasn't been paid to date despite two inquiries I made to the bank.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than record convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my 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

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 2021-03-02
Company: HCFS Healthcare Financial Services of TeamHealth
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-05-25
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the fair credit act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: MD
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:
Every month Since XX/XX/2021 I have disputed inaccurate public record information and experian either ignored my disputes or lied regarding the validity. Never providing the inquired investigation proof by law I am entitled to. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family and/or friends. Congress never said you can buy bundled data electronically and that makes it accurate. Experian never investigated the data they placed on my personal report thats completely harmed and hindered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, I did their job for them. I investigated and attached is proof that Experian has violated me for years and Congress states I am owed damages. No courts disclose 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 2018-09-11
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
credence resource management have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate ( letter posted ) which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: OLD NATIONAL BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check drawn on the same bank into the ATM checking account XX/XX/XXXX. The bank gave me none of the money for immediate use. Now it is XX/XX/XXXX XXXX XXXX and they have still not credited my account. Even though if I physically still had the check, I could walk it right down to the bank and cash or deposit it and get full use of it right this second. So my money right now is lost in the banking system and I have no access to it. What good is the ATM for making deposits if it just going to make it more difficult to gain access to my money. Somethings wrong with this and I have not had any food to eat for over 24 hrs because I ca n't get my money. Please Help

Company response to consumer: Closed with explanation