BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: U.S. BANCORP
State: MO
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:
US Bank, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the XXXX. The bank then knowingly reported to all credit reporting agencies the balance of the XXXX tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX ). The account was a joint account with the XXXX-aged account holder and XXXX adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting US Bank, contradicting stories were presented on when the fraudulent activity was flagged. One US Bank representative claimed the fraud was flagged in the US Bank system on XX/XX/2021. Another US Bank representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, US Bank violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

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 2017-11-13
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX with XXXX XXXX making several phone calls a day from an unknown number. This includes Sunday, and between hours that are not permitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian had emailed me for an entire month asking me this renew my credit monitoring membership. I did not respond or renew for 1 month. As a direct result Experian maliciously and intentionally put my Social Security Number on Dark Web then notified me that it was on there to get me to pay and extort me for my membership fees.

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 2021-09-20
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2020, I signed up for a Discover Card because of their copious 0 % balance transfer deals and options. We had transferred, made payments, made purchases etc. without incident until XXXX of this year. On XX/XX/XXXX we did {$7100.00} worth of business in the form of balance transfers per Discover Cards posted offers. On XX/XX/XXXX a hold was placed on my account for " Personal Identification/Information needed ''. I received 1 ( one ) email that I disregarded as a Phishing Attack ( " Problem with your account ... '' ) because I logged into my account directly and found no messages, no alerts... just an Account in good standing with a XXXX balance. On approx. XX/XX/XXXX I received 1 ( one ) phone call/voicemail with approximately the same message. Again, log into my account to find no notifications, no alerts ... nothing indicating that my account was anything other than in good standing and, because of the advertised balance transfers and out use of them, Discover owed me a little over {$300.00} in overcharges. The week of XX/XX/XXXX I attempted to use the Discover card to buy a new desk but the card was declined. Discover had canceled my account after attempted to get ahold of me exactly twice : one email, one phone call, and nary a word on their official site and my official account page. Now I have a negative mark on my report that they closed an account with a {$9000.00} limit, my other balance transfers failed causing more fees and overages. Only when I called to find out why I couldn't buy the desk did I learn any of this. Oh, and they couldn't just re-open my account because more than 30 days had elapsed since the freeze on XX/XX/XXXX ( i can't find the exact date, but it was about a week beyond the 30 day ), per internal policies, never mind the fact that I was happy to give whatever they wanted because their out-reach policy and XXXX and looks like Phishing Attacks. I wish I had more to give you but... The email was trash, it looked fake ; the website told me nothing was amiss ... When the Account log in page gives no warning or visual cue, what am I to think?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
was contacted to purchase goods that I was selling on XXXX. XXXX contacted me via email that he was interested & then sent a text from XXXX. He then contacted me from the number listed below telling me that he was sending a check for {$3000.00} to purchase the goods I was selling & pay to ship. I informed him on XX/XX/XXXX when the check arrived & he asked me to deposit & wire the remainder of the money to the movers. I deposited into my Savings account & transferred what I charged for the goods, {$250.00}, & the rest needed to send the movers into my Checking account. I sent 3 wire transactions totaling {$2500.00} using XXXX ( XXXX to XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX for {$1000.00} ; XXXX to XXXX XXXX on XX/XX/XXXX for {$500.00} ). After the final wire on XX/XX/XXXX, I checked my Savings account & it was negative for {$3000.00}. I contacted XXXX & asked him about his bank, & he said there must be some mistake. I followed up with him after I left work that evening & his phone was disconnected. 
After contacting USAA informing them of the situation, they did an investigation & found no fraud. I sent them screenshots of the conversation, the individuals address, & who the wire transfers went to. I received notification from them on XX/XX/XXXX & now my accounts are locked & I have no way to pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name XXXX XXXX, I've been retired from the US Military since 1971. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I retired from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I retired in 1971. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2021-09-20
Company: Four Directions Lending LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have emailed them to tell them that to close my bank account after they threatened to take out wages from my paycheck. 
Today 's date XX/XX/2021. They dont have a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: AL
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:
I applied for an auto loan through  XXXX   XXXX   XXXX . I did not know that they would be sending my information to other companies that would run my credit.  XXXX   XXXX  said they had in house financing with their bank. I got a lot of hits because of it. Had I known that they were going to do that I would not have applied for a loan and figured out a better way or went to  a buy here pay here. They sent me a letter stating I need to send them verification of my address and ID to sho w who I am. They sent it on  XXXX   XXXX . I went online to check on my disputes and they had already made a decision on my dispute before I even sent out my verification info.   I am currently trying to get my finances in order to prepare to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name XXXX XXXX, I've been XXXX from the XXXX XXXX since XXXX. I'm now an XXXX year old XXXX, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I XXXX from the XXXX in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in XXXX. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2021-02-12
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:
The below account is listed on my credit report as a collection and it doesnt belong to me. 

The account info below XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Amount {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed Santander Consumer USA over a year ago. The account was then removed from my credit file. However, it was reinserted with notifying me via mail! In accordance with the compliance of the FCRA, I am requesting their compliance with any and all of the provisions. FCRA 611 ( 15 U.S.C 1681i ). I did not receive no notification and demand they remove this account from any reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had multiple XXXX accounts. XXXX has changed to a wealth management bank so I received notification that my accounts would be transferred to Citizens Bank. I did not want a Citizens account, so I called Citizens and was told the only way to prevent an account from opening was to fully close my XXXX accounts. I closed my accounts fully with XXXX on XX/XX/2022 ( receipts attached ). On XX/XX/2022 I spoke on the phone with Citizens as well as as XXXX messaged with XXXX at Citizens. XX/XX/XXXX I had written confirmation from XXXX via email that an account would not be opened in my name if my XXXX accounts had been closed. They were away of the date I closed my XXXX accounts. On XX/XX/2022 I received an email about my upcoming account being opened at Citizens. I spent hours on the phone trying to have my info wiped from their database and to get assurance that a Citizens account would not be opened. I spoke with an agent and eventually was able to speak with a manager XXXX on XX/XX/2022 who refused to remove my email from their database and confirmed multiple times that no account would be opened in my name. She told me that our phone call was being recorded but when I asked for a copy for my records, I was refused. I was given an address for Citizens Office of The Chairman ( with no name attached ) from XXXX and I sent a certified letter on XX/XX/2022. I submitted a complaint with the New York State Department of Financial Services on XX/XX/XXXX. They closed the case asking that I submit here instead. This week I have received information that an account has in fact been opened illegally in my name at Citizens after they assured me multiple times that this would not happen. I am attaching photos of the checks and debit card they sent me this week.This company has caused hours of work on my end and between that and the fact that it involves my finances, it has caused a massive amount of stress. Thank you for helping me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017, I submitted a dispute to Transunion for a collection account from " XXXX XXXX. '' The amount was for {$3300.00}. I also submitted a complaint about XXXX XXXX to the CFPB around this same time.
<P/>
The CFPB was successful in getting the agency to remove the account from my credit file. However, the results listed in my disputes section says : " Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it 's going to stay on your credit report, but info has been updated to reflect recent activity. '' Obviously the account was NOT accurate and has since been removed from my report. I 'm not sure why the comments would still say the account was accurate if it was in fact removed.
<P/>
It is my understanding that comments on accounts do not affect credit scores, however, I do not want lenders / creditors that pull my report to think I am in the habit of trying to weasel my way out of paying debts I owe.
<P/>
This debt was never owed and the collection agency and original creditor know as much, hence its prompt removal from my report after my initial CFPB complaint.

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 2018-01-01
Company: Nelnet, 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 contacted XXXX and informed them that they were improperly reporting student loans that do not belong to me from Nelnet/DEPTED on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that XXXX  received my letter requesting to remove the incorrect accounts from Nelnet/DEPTED on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having XXXX send me an updated version of my credit report reflecting correct deletion of any accounts associated with Nelnet. XXXX  never responded to my request to have the accounts removed from my credit report. 
I contacted XXXX via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of XXXX, XXXX XXXX, who confirmed that XXXX does not have documentation from Nelnet/USDEPTED with my signature for any student loans and that XXXX is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Barclays XXXX Credit Card ending in XXXX that I opened in XXXX and closed in XXXX. I need to file a claim against one of the purchases and I need my full credit card number associated with my purchase. Barclays helped me get the statement associated with the purchase but I am unable to get the card number assigned to me. This will result in a loss of {$3700.00} for me because I can't file the claim. This number was assigned to me and it doesn't make sense that Barclays is unwilling to give me the card number that was my own. I have tried to work with Customer Service but all I hear is that it is not possible. 

I received the statement but conveniently it doesn't have my 16 digit account number on it. Barclays has also not reported the account numbers to the credit bureaus when all the other banks report the credit card numbers to the credit bureaus. This has put me in a situation that is very problematic for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
In the XXXX of XXXX transunion had a computer glitch where many of majority of my inquires were deleted and some where down the line readded by transunion with out notifying me 5 days prior in writing telling me they will be back added. I contacted transunion in good faith to ask them to delete the inquires that they illegally readded. I talk to a non-US rep. By the name of XXXX XXXX I asked to be transferred to a U.S rep. He said he could n't do so " the U.S department does n't handle the deleting of inquires '' ( XX/XX/XXXX @ XXXX Eastern ) these inquires add a hardship to my later in the year goals of buying a house and my rights were violated by transunion. Can the CFPB please help transunion to stop victimizing me.

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