BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX and spoke to a supervisor named XXXX XXXX who refused to help me with my unauthorized inquiries that he could not remove any inquiry even if they are not authorized so I need these inquiries removed that were not authorized XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 XXXX XXXX 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 an 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 2017-06-28
Company: Receivables Management Partners, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get daily repeated phone calls from an number in XXXX XXXX, NJ XXXX. Either no one is there, or when I ask to have my number removed they hang-up without speaking or warning. <P/>When I do get someone, they never Identify who they are by personal name of company name. They state that the call may be recorded in an effort to collect debt. Then when someone is there they ask me to verify my name, DOB and on one case my address and SSN #. When I advise they need to ID themselves, they say they can not until I verify the above because it is of a personal business matter. They refuse to give the company name which by FDCPA they must do as it is not confidential info. When I demand they ID them self, they hang-up without warning or comment. <P/>On X/XX/2017 I called the # back and got a rep who asked for me to ID myself. I refused to until she told me the company name. She hung up on me. I called back and a different que gave me the company name as Berk Credit Collections. I then asked for a manager and got a man named XXXX XXXX, who I asked to remove my # and he said it would be done. I also requested a written notice of who they were and what business they had with me. he asked for my Address. I advised if I had legit debt that he would have that. I advised that the reps are calling and hanging up when asked who they are calling from and how this is a FDCPA violation. He merely said, " Yeah, OK '' and he hung-up. <P/>What recourse do i have. I am not aware of any debt I have in collections. I do n't have perfect credit but have worked hard to fix my past mistakes. this is harassment and unfair debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX  XXXX promised us when we would be placed on a job, that was not the case. When I finished getting my certificate I did not have any opportunities presented from the college. There was no job placement plans either and there was a career counselor in place but they did nothing to help. This was a waste of time and a lot of money. They also told us that our credits were transferable but that was not true either. I started XXXX XXXX XXXX  in 2017 and none of the credits were transferable. So now I has to retake courses in order to complete this degree. I would have been finished and on to a better job but now I am still in school trying to complete my degree because the lack of those credits. XXXX  XXXX mislead us and its unfortunate that my time and money was wasted, now I have almost 100k in loans because of this. This is ruining my life because its dooming my credit, so homeownership is out the question for me my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.

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 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was negatively affected by the XXXX data breach. I called Transunion to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask Transunion to keep a file on me - they do not have my authorization. I do not like the fact that Transunion furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( XXXX, XXXX  and Transunion ) from charging the public to undo the harm to the average citizen 's credit they cause.

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 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi, here is attached a letter from XXXX XXXX XXXX Creditor to remove hard inquiry left by wrong from them we TransUnion to remove it XX/XX/2019 hard inquiry to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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:
I have been sending letters to XXXX in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : - In XX/XX/2018, HSBC offered up to {$600.00} for opening a HSBC Advance checking account by depositing and maintaining at least {$5000.00} in an HSBC account and initiating a recurring ( on a monthly cycle. ) direct deposit to the Advance account. The promotional payments would by calculated as 2 per cent of the direct deposit per month with a maximum of {$50.00} per month for 12 months. 
- In XX/XX/2018, I took advantage of the above offer and directed the U.S. Defense Finance and Accounting Service ( DFAS ) to redirect my monthly XXXX XXXX payments to the HSBC account. 
- No promotional payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. The explanation was that no direct deposit was made that month. Further, I was charged {$25.00} maintenance fees ( since reversed ) for two of those months. 
- DFAS frequently makes monthly Military Retiree payments a day or two before the first of the month resulting in some months with two payments and correspondingly, some with none. 

ACTIONS TAKEN : - Summer and ongoing. Ive tried working with XXXX, Va branch. They could reverse the maintenance fees, but could not fix the payment issue. 
- I wrote the President and CEO of HSBC, NA on XX/XX/XXXX laying out the issue with no response until I again asked the local branch to prompt action. 
- On XX/XX/XXXX, I received a generic acknowledgement of my concerns from the HSBC Manager of Customer Relations in XXXX, NY. 
- After immediately thanking them, I asked for a status report on XX/XX/XXXX, nothing heard as of XX/XX/XXXX. 
- I again asked ( via email ) the manager of the XXXX branch on XX/XX/XXXX for a status report, again nothing heard. 
- On XX/XX/XXXX, I called the Customer Relations Manager in XXXX and left a message. Nothing heard since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my statement balance of {$470.00} by the due date of XX/XX/2019 in full but Capital One still charged me {$4.00} in interest when there should have been none.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25
Company: CITIBANK, N.A.
State: CO
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/2019 at XXXX I requested a credit line increase from CITI on my credit card ending in XXXX. At the time of the request it stated " We will not obtain a credit bureau report to your request. XX/XX/2019 XXXX I received a email from credit karma telling a hard inquiry was just pulled on Equifax . I looked at my Equifax credit report and it showed Citi had pulled my credit report without my permission. I called Citi XX/XX/2019 at XXXX spoke to XXXX who said they wouldn't do that. I asked to speak with a supervisor, was told one wasn't available and I would get a call back. I never did receive a call back. Citi has no right to pull my credit report without my permission and I never gave them permission.

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 2017-10-18
Company: MB FINANCIAL, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I XXXX XXXX I have a boat loan with XXXX XXXX XXXX last XXXX of XXXX the same suffered damages for the hurricane XXXX I placed a claim to my insurance which issued a check for the sum of XXXX for the repair, send the check to XXXX XXXX XXXX to endorse the money to be able to repair the boat and continue using it I received a call from mb financial that could not give me the check that the boat was not completely repaired I think this is not fair and not legal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX of XXXX, Equifax experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Square Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2019 : After noticing my monies were transferred to a cash app debit card I XXXX cash apps number ( XXXX ). A rep answered the phone Cash App and proceeded to help me transfer the monies from the cash app debit card ( which I have never had a cash app debit card or number ) to my debit card linked to my banking account. While trying to help me I was told I had to log out of my account but would be able to get back in. Once I logged out ( $ XXXX ) I was not able to get in cash app and dont know where the monies are currently. I need help in locating where the money is and either deposited into my account or refunded back to the sender. This matter has been an inconvenience and am very disgusted with this process ( this is the email I sent to cash app ). 
AFTER A FEW EMAIL EXCHANGES, they sent me this email Cash Support XXXX Sun XX/XX/2019 XXXX XXXX You Hello, Thank you for providing the requested information. We completed our investigation and determined your account to be compromised based on the information provided to the third party. To prevent further unauthorized transactions we have elected to close the compromised Cash App account. 
To regain access to your original account, you need to open a new Cash App account. Once created, we will grant you access to your original account information. 
Once you successfully create a new account please reply directly to this email with : Your new XXXX Photo of your current government-issued ID ( drivers license or passport ) Your current Cash App login device make and model We want to resolve this matter for you as quickly as possible, and with the required information ( your new XXXX and ID ), we can complete your reimbursement. 
We greatly appreciate your patience and cooperation. Please let me know if you have additional questions. 

Thank you, XXXX XXXX Support Still haven't received the {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 XXXX BANK Account # XXXX, has violated my rights. 

XXXX5 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 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 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like my credit balance to be updated on my XXXX XXXX XXXX XXXX. The balance should be 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 2017-06-28
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX, 2017, I got an email from PayPal requesting a copy of my social security card, and my IRS information. I uploaded my XXXX form and a copy of my driver license. However, my XXXX only show the last four digits of my social security number. I thought I would at least get an email from PayPal informing me of the issues before the decided to place a limitation on my account. I contacted the customer service but I could get any answer from them. All I was told to get in a contact with compliance department using the email address from the email sent on XXXX XXXX. I have not received any answer from them and I believe they are imposing on my right. I have not been able to access my money to pay my bills. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a wire transfer into my saving ( XXXX ) account, and checking ( XXXX ) account on XXXX/XXXX/XXXX. I recieved an inbox Alert that notified me the funds were recieved ( XXXX/XXXX/XXXX ), in both accounts.The transfer was from the ACH CENTER located in XXXX, WV. This transfer came from XXXX XXXX XXXX XXXX, which transfers are immediate and are irreversible once sent. My account was closed because of this transaction, and there was never any record on either account about transfer. I have a print out from USAA BANK on XXXX/XXXX/XXXX which states : That Funds Were on Hold Are now Available in both accounts. I would like an investigation into the Fraud Banking Activitys of this Banking Institution ( USAA ). I also request that the Secret Service be Alerted as well for a complete forensic audit. Thank each and everyone of you who diligently work tiredlessly for the true people of America, We the People! I truly appreciate the time you have taken to both read and respond to this request/complaint. Thanking you in Avance, Most Sincerely, Peaceful Inhabitant-Standing in the Light. May God Bless America, and His People ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
While I was being assured that my student loans were in forbearance two of them went into default. In talking to a Nelnet ( formerly XXXX ) employee I learned how this would happen. 

I 'm told that my student loan could 've been handled at any one of three XXXX locations. When an individual asks for a deferment or forbearance, it is the servicer 's responsibility to " capture '' all of their federal student loans, from all of those locations. 

I was getting letters saying my loans were going to go into default. I called XXXX more than once and was told not to worry my loans were in forbearance and I would soon stop getting the letters. 

That was in the late 1980 's and the debt is huge now and the rest of my student loans are current and I believe they have been for at least 10 years. I work for XXXX XXXX and want to take advantage of the Public Service Worker program. I do n't have much as far as records. Their own records should support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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 XXXX BANK 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX BANK 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 an 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