BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
Applied for card XX/XX/XXXX and was approved by Barclays. Now Barclays is not letting me use the card and when I call in to ask why it's blocked the reps are unable to help me. They say there is no security alert on my account even though the website is telling me to call as there is a hold. I have a payment of {$95.00} coming up even though I can not use the card.

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 2023-04-26
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over a year ago now Charles Schwab restricted access to my account that I use for personal and business where they blocked my online access to my checking account where I have over {$15000.00} in funds. These are proceeds from my XXXX sales account. XXXX XXXX from Charles Schwab personally placed a restriction on the account and none of the bank associates during the 10+ calls was able to assist me resolving the issue and XXXX XXXX does not answer his phone or several emails that I sent him. I need assistance in getting access to my funds and account. 
Checking account number : XXXX Routing number XXXX person responsible for the issue is XXXX XXXX his email is XXXX his direct phone number that he never ever answers is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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: 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 the 15 USC 1681. 
Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 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 an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi on the evening of XXXX XXXX I received an email saying that my checking and savings account has been inactivated due to the changes in my Bank of America account XXXX 
I called and spoke to an associate who instructed me to call the following morning to speak to someone on this matter who could better assist me. All the associate said was that my account has been closed. I called the following morning and spoke to another Bank of america associate who confirmed my checking and savings account has been closed and no reasons were given. I asked about my money in my checking and savings account and was informed that i would be receiving a money order or cashiers check for the money in my accounts, and that I would receive a letter saying that my account has been closed. It is now XXXX XXXX and i have not received my money or any letter from Bank of America about this matter. I have been a customer for over XXXX XXXX  and never any issues. I want to know why my account was closed without any prior notice, and I want to know when i will be receiving my money that was in my checking and savings 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 monetary relief
Consumer complaint received 2023-08-01
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have was a member of a " breeder 's '' XXXX page for a few months trying to find a XXXX XXXX puppy. I had seen many litters get posted and " people '' posts recommending the breeder. So I finally reached out on XX/XX/XXXX after she had posted a new litter. I asked about a specific pup and price and what the steps were. She said the pup was {$1900.00} but I had to pay {$700.00} up front ( in the form of zelle, XXXX, etc ) to cover holding her and for her XXXX paperwork and she would require the remainder in cash once the pup was in hand. I was a little hesitant to send that much so I had asked if she would do less and I would give her more in cash in person. She seemed to get a little upset as to why I wouldn't trust her and why would I contact her, her page has XXXX followers and she has many references. I admit that I was the one to contact her thinking she was legitimate but to make me feel more comfortable and I think to make it more believable, she agreed to {$500.00} being transferred. I had sent her the {$500.00} through zelle on XX/XX/XXXX. 
She kept asking when I wanted to have the dog home and b/c we were away till Monday I had said Tuesday, XX/XX/XXXX. She offered to meet halfway or deliver. So of course, so I didn't have to miss work I took advantage of her delivering and only having to pay for her gas. On night of XX/XX/XXXX, she sent over a 'sales receiptXXXX ' paperwork XXXX Which made it seem more believable. On our way home Monday, I contacted her to make sure we were good for Tuesday and she said yes but also offered to come Monday night, so we agreed. 30 mins after the plans were confirmed it went downhill! She said her daughter was in the hospital and would have to ship the pup. I knew right then and there that I was in trouble and my deposit was gone! I asked if I would be charged for shipping and she said no. 3 mins later she sent me a link of a shipping agency with tracking and then a random number texts me ( saying it's the shipping company ) and says I have to pay {$1500.00} for insurance, fully refundable, by zelle, XXXX, etc, and the delivery agent will give the money back once they deliver the pup to me! I also got an email from them saying same. She messaged me telling me to pay it, I disagreed. The shipping co called me telling me if I didn't pay, the the pup would go to the pound and the cops now have my info and would come after me! She has refused to give me back my deposit and had blocked me from her page. I wonder how many other people she has done this to! 
I contacted my bank XX/XX/XXXX to file a dispute but unfortunately they denied because it was sent through zelle. 
I have screenshots of everything! And links to her XXXX page if needed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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: 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 15 USC 1681. 


DEPT OF EDXXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX DPT EDXXXX XXXX XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2022 I submitted a complaint to TransUnion in regards to them violating my privacy and consent rights. Im still waiting a response from Trans Union

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 2023-04-26
Company: EQUIFAX, INC.
State: GA
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:
From dispute my made with CFPB # XXXX Equifax continues to say that an XXXX XXXX card ending in XXXX. I am disputing this can they keep saying in belong to me. On XX/XX/2023 I spoke with an XXXX which is a representative with XXXX XXXX Credit Bureau Department. I went thru are security protocols and phone recording that this account does not belong to me. He stated this was taken care of and that it should be on my credit. But Equifax keep send me disputes letters saying that it belongs to me. I am not related or married to whomever this account belongs to and Equifax needs to remove asap or face a legal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: VA
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 : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2023 we attempted to call USAA to resolve an account that was overdrawn. After being out of the country for 2 months, my family and I returned to see that our account was frozen, information changed to reflect us residing in California, and no one notified us. When we called, we were told that a " through investigation was done and it showed that the transactions occurred in our general area '' ie California, not Texas. My husband and I were never called, nor were notified by mail of any of these changes. The stated that they should have, although we have no record of a call from them. The only thing that was sent to us, which we did not have access to, was an email. We were told that we are out of luck and will have to bring the account current prior to accessing any additional funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX, part of the XXXX corporate company, is refusing to remove an incorrect account from mine and my XXXX XXXX  credit reports. We have filed XXXX disputes with each credit reporting agency in 18 months and XXXX XXXX to admit the discrepancies and incorrect information. The debt we owed was satisfactorily paid in full in XXXX XXXX and paid directly to XXXX XXXX. This debt, after it was paid, was reported as a derogatory " Other Loans '' account on all XXXX of our credit reports for both of us. This account & debt was never a loan of any type nor did we sign any documents or contracts that said the account was a loan. Also, I have provided ample documentation and information to XXXX in these disputes that I was only the authorized user on the account and that my husband was the main account holder. The original XXXX account was opened in XXXX, XXXX entire year prior to meeting my husband for the first time. I was added to the account as an authorized user in Fall XXXX ; therefore, at minimum this account should be removed from my XXXX credit reports.

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 2023-04-26
Company: EQUIFAX, INC.
State: PA
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:
I am writing this complaint against EQUIFAX for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XXXX XXXX, 2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Urgent Complaint Regarding Unresolved Loan Refund and Discharge I hope this email finds you well. I am writing to express my deep frustration and disappointment regarding the handling of my loan refund and discharge request. Despite numerous attempts to resolve this matter, I have yet to receive any satisfactory resolution from Edfinancial.

To provide some background, I paid off my loan both before and during the Covid-19 pandemic and requested a refund for the amount I paid during that time and that because president Biden announced will forgive up XXXX to student loan borrowers. I have not received the refund check as promised, so I requested loan to be discharged as I asked to get it cancel since I didnt received, but it seems that no action has been taken on this front either.

I have diligently reached out to Edfinancial representatives through phone calls and online chats, but I have consistently received the same response of " waiting '' without any clear timeline or progress updates. I was initially informed that the process would take approximately four weeks, but it has now been more than four weeks, and there is still no resolution in sight. To add to my concerns, loan payments will start in XXXX and I have not yet received the promised refund check or discharge from account since I canceled. This situation is causing undue financial stress and uncertainty. 
The lack of progress and communication on this matter is highly concerning and unacceptable. I have even contacted the Department of Education and the Treasury, and they have confirmed that there is no record or request under my name, which raises further doubts about the efficiency and effectiveness of Edfinancial procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # 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 : Also states a consumer reporting agency connot furnish a account without my written instruction

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 2022-10-24
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon, within the congressional findings of the FCRA 15 USC 1681 ( a ) ( 3 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

You guys have assumed this role and the information down below breaks federal law. I never gave anyone permissible purpose to furnish my information pursuant to 15 USC 1681b furthermore your company is not exercising their grave responsibility which is to report accurate information. 

Delete the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report within 30 days. 


I am aware of the deception and misuse of my credit card. I am demanding you send the consumer file as well as an official consumer report to the address listed above. I demand deletion from these accounts for the invasion upon my privacy and by making a false, fictitious, or fraudulent statement or representation in pursuant to 15 USC 6821. I will be waiting for my response through mail and an updated consumer report with these inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-18
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have made all of my payments on time. I also have the right to privacy. A consumer agency can not furnish an account without my written instructions. I wish for my payment history on my account to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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