BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: DISCOVER BANK
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 - I opened an online savings account with Discover. I registered for the online platform etc. 

XX/XX/2022 - I deposited a cashier 's check in the amount of {$18000.00}. This is the majority of the funds I inherited from my father upon his death, which occurred on XX/XX/2022. I opened the savings account specifically for this purpose. 

XX/XX/2022 - I'm not able to log into my account and I get an email about unusual activity on my account. I called customer service and was told by multiple people that my account was closed for no reason and that Discover was keeping my money for " up to '' 60 days. 

I have not received any additional communication and now my access to the account online has been shut off. This feels very much like bank theft - and what am I supposed to do if I need my savings?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n 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 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX  ( ACCT # XXXX ), XXXX XXXX XXXX ACCT # XXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any 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 2022-06-22
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 I called Credit Karma who is my banker.. I have a debit account with them. My stolen & used. Because Ive been broke I havent used it much but I realize it when I received a {$50.00} XXXX payment. I called Credit Karma to dispute charges that wasnt made by me. Everytime I called I had to give him/her the charge amount I was disputing. So they acted like they were disputing but wasnt.. I asked for Corporate number & stated I didnt want to talk to a Call Center Manager.. Apparently I had no choice.. They stated itll be up to 10 days for my results. That was a problem I had 2 XXXX payments that was applied to my disputed charges. I checked my account for my results They denied me. I called very upset.. I was told someone will contact me.. Im still waiting for that. I just want whats owed to me.. {$76.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: LEXISNEXIS
State: NY
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:
according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX if one company is reporting XXXX all of them should report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AT T U Verse sold the account to another company and I hired XXXX XXXX XXXX to resolve the issue IN XXXX. Years ago, I spoke to ATT 's Corporate office and resolved the issue of {$140.00} and change. My God, {$140.00} and change. I have emails from the representative regarding the issues. I'm not sure why the account went to Collections. While working with XXXX XXXX XXXX, this account was resolved and closed, it should have been removed from my credit. As I explained to I C System, I never owed this money and it was resolved. I disputed this with XXXX and it was removed from my credit. Why is this foolishness still on my credit report and has been for months. I've disputed this with XXXX several times, and XXXX refuses to remove. Remove this and I do not owe it.

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 2022-08-21
Company: CORELOGIC INC
State: NY
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:
according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX  if one company is reporting XXXX  all of them should report 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 explanation
Consumer complaint received 2022-06-22
Company: Kriya Capital, LLC
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:
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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Navient Solutions, LLC.
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a coffee table from XXXX XXXX. It was delivered to me defective. I called them on XX/XX/22. We spoke for 20+ mins. They didn't know what they wanted to do. So the guy said he'd have someone call me back. No one did. So I disputed the purchase. 

XXXX XXXX told Citibank that I didn't call them on XX/XX/22. I provided proof to Citibank I did. Then I provided to Citibank pix of the defective coffee table. 

Citibank ultimately denied it saying I didn't provide a complete response. They said I didn't provide what I expected to get vs. what I actually got even though I provided pix from the website AND pix of the defective furniture. 

I got a bad piece of furniture. I did everything properly. I provided overwhelming proof of the issue. XXXX XXXX was proven to be dishonest. 

To have Citibank tell me I didn't provide enough is lunacy. I provided everything Citibank asked for and more.

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 2022-08-21
Company: EOS Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EOS CCA XXXX XXXX for {$840.00}. The date is XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-10-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I contacted XXXX, Equifax, and XXXX authorities about the potential opening of fraudulent accounts using my personal data on XX/XX/XXXX. Since I didn't know how they got there, I pleaded with everyone to delete these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. On XX/XX/XXXX, I submitted my information. The accounts that weren't mine were still shown in my documentation because they had been " verified, '' even though I had written my letters more than XXXX days before. Since it prevents my family and I from buying a home, this issue terrifies and concerns me. I contacted the XXXX companies once more on XX/XX/XXXX to ask how they could confirm that these accounts belonged to me. Since they were unable to help me further, they encouraged me to get in touch with the debt XXXX directly. The client contacted all the banks incorrectly and left messages with them ; they had no idea who I was or what the accounts were about. To be sure I hadn't made a mistake, I looked on the internet. I was advised by my pals to visit the CFPB website. Because my family and I are anxious to get the home we've been looking for, I'm optimistic that this will be successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
During the week of XX/XX/XXXX my Wells Fargo Checking account was hacked by scammers. I spoke to my local branch to request further information into the cyber hackI attempted to use my Wells Fargo Credit Card on XX/XX/XXXX and my card was declined. I called Wells Fargo to inquire why and they advised me that they would not access my account. I advised them, on a recorded line, to allow me to make a payment for my balance owed and to close my account and was disallowed to complete either action.

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 2022-08-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n 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 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 explanation
Consumer complaint received 2022-06-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding, LLC aka Midland Credit Management is garnishing my wages for a time-barred debt that is no longer legally collectible and has not been legally collectible for some years now. I don't normally print out my paycheck stubs for work. When I did, I see that they are garnishing my wages and have been. Looking at my paycheck stubs, they stopped collecting and started back garnishing again. This illegal practice has now put me in a financial bind. I do not owe them anything and would like all of my monies rightfully returned to me. This company has already threaten me recently with a notification on their correspondence stating, " The law limits how long you can be sued on a debt. because of the age of your debt, we will not sue you for it. If you do not pay the debt, Midland Funding, LLC may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' I interpret it as their company will continue to attempt to illegally collect on monies not owed and continue to negatively affect my credit score and livelihood until I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: AMERICAN EXPRESS COMPANY
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:
AMEX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

XXXX  XXXX XXXX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: JPMORGAN CHASE & CO.
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:
XXXX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX  is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

XXXX  XXXX XXXX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: Solar Mosaic LLC
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:
XXXX  is involved in a Fraud Suit ( Case # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ) ... Reported to Credit Bureaus, and received from Credit Bureau that all information reported was correct when it's not... The litigation is still pending, and Case is still active ... The company ( XXXX ) was taking monies from my bank account due to fraudulent activity ... Yet the Company ( XXXX ) shows paying as agreed on my account...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NY
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ), ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is deleted. 


XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

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 2022-06-22
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I wrote to the credit bureaus and requested an investigation into some items reporting on my credit. Once the initial letter was sent, I waited XXXX days for the results, but nothing was ever verified. At that time, on XX/XX/2022, I requested a re-investigation into those same items since they were still appearing on my credit report. Waited XXXX days again, and the items still appear on my credit report and they have not been verified as required by the FCRA. The accounts in question are as follows : XXXX XXXX XXXX XXXX This was a pay per delete account. 

XXXX XXXX XXXX XXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXX XXXX XXXXXXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXXXXXX XXXX I have never been late on this account XXXX  XXXX This is a pay per delete account XXXX XXXX XXXX  XXXX I have never been late on this account XXXX XXXX  XXXX I have never been late on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My payment was due on XX/XX/2021. However, because the terms and conditions of my credit agreement ( XXXX XXXX XXXX ) does not specify a specific time on the due date, I paid my bill at XXXX XXXX  pacific time on XX/XX/XXXX. However, Paypal translated this to XXXX XXXX  eastern time on XX/XX/XXXX, and charged me a {$38.00} late fee. I believe the contract should be more specific in the time a payment is due. Had the contract been more specific, I would've paid on time and avoided the fee.

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