BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My mother ( XXXX ) is a custodian over a XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) with USAA bank and im the beneficiary. She refuses to transfer me any of the money or give me any access to this account, even though im XXXX years old, which is old enough to take control of the account. I receive social security benefits and all that money goes into this account. I changed my direct deposit info, so my monthly payment goes into my my checking account now any not in this XXXX anymore. But the backpay social security gave me is stuck in this XXXX because my mother .refuses to transfer it to me. Theres over $ XXXX in this account. 

The only way I actually see any of the $ XXXX is when my mother transfers money from the XXXX, DIRECTLY INTO HER OWN CHECKING ACCOUNT, then gives me the cash she withdrawals from an ATM. She transfers money to herself. She has even spent money she transfers. She does all this WITHOUT MY CONSENT. 

I first started receiving monthly payments back in XX/XX/XXXX and received a {$21000.00} backpay back in XX/XX/XXXX. She allowed me to spend money on a phone and laptop, and she constantly withdrawals money out so thats why theres $ XXXX left out of the {$21000.00}. The amount in this account keeps decreasing because of the withdrawals she makes multiple times a month. The pictures I added are the withdrawals she made to herself back in XX/XX/XXXX. Unfortunately, the XX/XX/XXXX bank statements are the only statements I have in paper, but it proves she is transferring money to herself and keeping my money from me. 

I have reported this to the social security and the bank and neither can help. Ive even reported her to the OIG Office for fraud and they havent anything. USAA told me there is a grey area with the rules of custodian UTMAs. They say she is obligated to hand over the account and the funds, but doesnt have to since she is the custodian and its technically her account. So if she wants to keep the account and money from me, she can do that. 

Basically, my mother is holding over $ XXXX of MY MONEY in an account thats mine and USAA wont help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a XXXX attempt to change or add an address in a state I am not currently living in since 2008. I tried to file previously online and never hear anything in response and it 's still showing. Now there is a XXXX address. How is this even continuing? Why is n't there better protection or trust for the honest?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, Experian, and XXXX contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.

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 2015-04-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was buying a car. The car was totaled by a natural disaster. I had full coverage and GAP insurance. the company reported a balance on my credit. I contacted XXXX, Experian and XXXX. All except Experian refuses to remove it. I have the supporting documentation saying XXXX and XXXX removed this from my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, I filed a dispute with Equifax because they are STILL incorrectly showing a discharged bankruptcy on my credit report. 
I am NOT disputing I filed the bankruptcy, what I am disputing is WHY is it on my file? The Bankruptcy was filed as a Chapter XXXX in XX/XX/XXXX. In fact, XXXX were filed because I did not understand the process. Both have been discharged and per the credit report limits, should be removed in XXXX years. 
Equifax is REPORTING the Bankruptcy as being filed in XXXX XXXX - an outright lie. In XXXX XXXX, they received a notification to delete the BK file or notice to delete the file. Instead, they flagged my account as if this BK was filed in XX/XX/XXXXi. Even though the BK info clearly shows the date filed, discharged ( XX/XX/XXXX ) and status as a Chapter XXXX. 
I am so tired of having to contact you regarding these credit bureaus. Equifax is negatively and willfully impacting my credit score by having erroneous information, presented as " current '' XXXX shows NO public records and that is correct. Please investigate on my behalf. 
Thank you. 
Disposition Date XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXDisposition Date XXXX/XXXX/XXXX ; Date Verified XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX : ( XXXX ) XXXX is the address for both filings. As you can see, both are older than XXXX years old and should no longer show on my credit report. Unless you are trying to force my credit score to remain lower. How many years must I pay? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 belongs to someone else

Complaint:
I NOTICE XXXX INCORRECT THING ON MY CREDIT REPORT... 
I NOTICED THAT I HAVE A XXXX STUDENT LOANS ON MY ACCOUNT... I NEVER ATTENDED COLLEGE, I DONT KNOW WHO USED MY INFORMATION TO GET THESE LOANS... 

I ALSO NOTICE A COLLETION ON MY ACCOUNT FROM XXXX, I NEVER USED XXXX, HOW DID THIS GET ON MY CREDIT REPORT ....

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 2015-09-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
i told them i had no knowledge of the collection contacting me i also had a public record that was vacated but its on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I mailed a dispute request to Experian Credit Bureau with last XXXX of my social security number typed with state issued picture id and check stub and was told that my social security number was illegible and to resend all the info that I had already provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: TX
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. 
-XXXX  XXXX : XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights -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 2016-12-08
Company: WLCC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have signed on to a line of credit, not really knowing the full details, as I so desperately needed the funds, I had already paid an installment loan off in full with this company in the past and went to apply for a new and then was talked into a line of credit ow which I have been paying on religiously every two weeks, I would like to resolve and come up with a settlement amount, as to date I have paid on this particular line of credit just in interest XXXX which I think is beyond too much, I am in a bind right now and had to close my checking account for the ACH being taken out every two weeks, would like to come up with an agreeable amount to pay off so I do not look like I am trying to avoid I am just going broke on these installments, Please advise to a settlement amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I requested a " free '' credit report from a website recommended by my attorney for legal proceedings. I was never warned as I proceeded through the site to obtain my free report that this action would result in an unwanted " membership '' with Experian. Experian has been charging me {$19.00} a month for " credit monitoring '' to the credit card that I used to " verify '' my identity when I ordered the original " free '' report. Experian has agreed to cancel the membership but refuse to reverse the previous charges. 

It is evident that the free credit report website redirected me to Experian and somewhere in the background I unknowingly agreed to the membership. Most likely, this membership agreement was buried in the " terms of use ''. I am so angry because this is a company that is suppose to " protect consumers '' but are actually " stealing people 's money ''. Please do something about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: Albert Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
# XXXX So on XX/XX/2022 at XXXX I had received my direct deposit in my account. After I receive it, there was an {$800.00} unauthorized transaction that was made on my account after the deposit was posted. In the morning, I immediately freeze my card and contact my bank about the transaction. They told me that they couldn't do anything just yet until the transaction was posted onto my account it was still pending at that time and I'll be able to dispute it. So I had to wait 1-3 business days for the transaction to be posted and then I'll be able to dispute the unauthorized transaction to my bank. On XX/XX/XXXX at XXXX the transaction was posted on my account and I was then able to file a claim to dispute this transaction to my bank. They said that it will take 1-3 additional days for them to review it and to respond back to me. I had ask them about cancelling the transaction and they told me to contact the Merchant about cancelling it. I immediately got in contact with the merchant of XXXX and talk to someone that was in charge and explain to them what had happened. They told me that there was no one that made a purchase of this magnitude in person or online and therefore couldn't help me. On XX/XX/XXXX at XXXX they review my claim and there results was that I basically was aware of the balance and the {$800.00} transaction made on my account. I immediately texted them that there was a mistake on there part because at that time of my direct deposit was posted, I was sleeping and wasn't aware of it until that morning when I saw my balance. They concluded that there was no error occurred and as a result of it, the bank was not able to refund or credited the lost money that was taken out of my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have a Coinbase account, which I've used previously to purchase Cryptocurrency via Bank Transfer ( ACH ). Coinbase displays on the confirmation page how much of a purchase is available for immediate transfer and how much is subject to a holding period. On the confirmation page for this purchase, Coinbase indicated that {$1000.00} was available for immediate transfer ( and any amounts above {$1000.00} would be subject to a 9 day hold period ). After making the purchase, Coinbase changed the policy and restricted my funds for 9 days. They have not honored the terms of the service they displayed when I made the purchase- which makes this a bait-and-switch. I contacted Coinbase, explained the terms that were offered, as well as the prior transactions I had made on these terms. Coinbase refused to honor the terms they offered when I made the purchase. My funds are now locked in their account for 9 days and not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been having issues trying to upload consumer disputes with Experian through their online website it has been an ongoing issue trying to upload disputes and without a doubt feel that Experian is deliberately turning their portal on and off making it very difficult for consumers to file their disputes online. I am certain that XXXX if not XXXX of other consumers are having the same problems with Experian and making the same complaints. 
Please look into this urgent matter regarding Experian 's unethical practices they are in violation of the FCRA depriving consumers of their Rights under the FCRA to initiate disputes online. I have also spoken to a XXXX XXXX law attorney whom stated to me that he is receiving many calls from consumers reporting the same issue with the online upload disputes. 
I have attached all my identifying information to prove who I am and Expeian makes it impossible for me to make online disputes. Please look into this thank you! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Experian continues to report it twice and with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Im a natural person/ not a third party Discover bank failed to provide me a debt validation letter, an audit trail, a sign invoice, audit trail pursuant to gaap, and a contract/cardholder agreement. These documents I requested are to validate this debt is mine and that I lawfully am obligated to pay this debt. Pursuant to 15 usc 1692g, after 5 days within initial communication with me they were supposed to provide me the debt validation, now they must cease communication with attempts to collect this unlawful debt. An billing statement and a statement of allegation doesnt constitute as a debt validation, I the original creditor dont validate this debt because I gave an extension of my credit to discover bank and gave them the right to become a creditor to incur debt. They continuously furnish inaccurate information upon my report and willfully noncompliance with the truth in lending act/ fair credit reporting act/ fair debt collections practices act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/XXXX, I obtained from Experian the annual free credit report to which consumers are entitled. I noted there were XXXX hard-pulls for information from " XXXX XXXX '' throughout XX/XX/XXXX I have nor have ever had any accounts with XXXX XXXX or their affiliates. I received no solicitations for credit card business from XXXX XXXX. I similarly have no credit, gas, or store cards. I immediately disputed this with Experian, requesting an investigation. I similarly contacted XXXX XXXX numerous times, and they refused to provide any explanation. 

Similar " XXXX XXXX '' inquiries have been made of another c.r.b. during the same time period. 

Also, during the time period in which these inquiries occurred, I was involved in a dispute with a local attorney regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Experian 's response was to simply remove the entries from the credit report without providing an explanation. I sent Experian a letter on or about XX/XX/XXXX expressing my dissatisfaction for the trivial way in which they handled my concern. Today, XX/XX/XXXX, I received a revised credit report that omits the " XXXX XXXX '' requests. No explanation was provided for why XXXX XXXX, or someone purporting to be them, made these XXXX requests, and Experian likewise complied each time XXXX XXXX times in XX/XX/XXXX ). This activity is highly suspicious. XXXX XXXX will not acknowledge requesting the information and Experian refuses to address the incidents. 

I have spent considerable time trying to resolve this through all available means ( electronically, telephone calls, and standard USPS mail ) I am concerned both that the requester may not have been " XXXX XXXX '' and that Experian inappropriately furnished information to the requesting parties. The concerns are further legitimized by the seeming unwillingness by Experian to provide me the results of any investigation that may have ensued. 

I respectfully request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why this incident occurred. Thank you for your anticipated prompt attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation