BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-07
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Scottrade submitted false information to the IRS and refuses to correct it, that is the short story. 

More information : During the past years when I previously used my former Scottrade account, I noticed a number of problems with Scottrade 's XXXX submissions that they were reporting to the IRS. The problems included incorrect trade dates, improperly formatted items, and most severely incorrect profit/loss calculations. ( Brief research on this topic shows that Scottrade has a number of complaints about late, false, or incorrect XXXX. ) I contacted Scottrade to have these issued resolved and unbelievably, they refuse to respond and claim that because I am no longer a customer, I am no longer eligible for account services. Interestingly enough, the IRS agreed with me, corrected the problems and sent me a balance for the overpaid tax. Shortly after that and shortly after my complaints to Scottrade, Scottrade re-submitted unchanged XXXX forms to the IRS. The IRS then processed those forms and promptly asked for the balance that I had received back.

Company response to consumer: Closed
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Rushard has denied me access to my active account. I have in the account nearly $ 200.00+ a refund from a department store of {$36.00} that bever posted. I have called, emailed and posted via social media several times. I 've even spoken to someone and was told my issue is on the radar and being escalated. Rush has made several promises to call me back with a day or hour. The phone lines are down. I have been borrowing money for gas to get to work and to feed my kids until I can make it to another payday. As a single mother of XXXX this has a been a strain on me. Please help, what rush card is doing is morally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am long time customer of rushcard and recently they updated and changed their technology and now im not able to access any of my money no deposits are showing up and im not able to contact anyone working for this company I think they are stealing everyones money and trying to get away with it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: Navient Solutions, LLC.
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 disputed XXXX through XXXX. Student loan sallie mae, navient, XXXX ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. 

They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Bank of America once again is charging ridiculous fees. I spotted a XXXX fee charge stating is was over the limit withdrawal in my savings account. I called because I was not over drawn in my account. Bank of America rep informed me that the Federal Reserve Regulation D requires the bank to charge me if I make more than XXXX transfers from savings to checking. Upon checking Regulation D it states im allowed XXXX transfer transactions. I call Bank of America back and I 'm then told that they only allow XXXX then charge me XXXX for each transfer over XXXX. So which is it? Federal Gov. Says I 'm allowed XXXX, but Bank wants my money so they only allow XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank XXXX XXXX XXXX XXXX XXXX I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX 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 non-monetary relief
Consumer complaint received 2016-01-27
Company: INVESTORS BANK
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I got a mortgage with INVESTORS BANK, for my brownstone at XXXX XXXX XXXX XXXX XXXX NY XXXX. I paid in advance {$12000.00} XXXX XXXX XXXX dollars ) for the appraisal, appraisal review, environmental report and engineer report. I have been asking for months that my appraisal is sent to me, the bank refuses and states that is the bank 's property and will only be released only at closing. By law I am entitled to a copy of my appraisal. On the term sheet -that I signed- does not say that it will be released only at closing. I called the broker XXXX XXXX from XXXX XXXX XXXX and directly the bank. My attorney XXXX XXXX XXXX XXXX. has spoken with XXXX and they still refuse to give it to me. They state that I have to send a letter of cancellation and refusal of the commitment in order to get it. This is unlawful. What can I do to get my appraisal? I am a XXXX XXXX, a widow, and have several times refinance my brownstone that I have owned for close to 40 ( forty ) years. Please help!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX phone XXXX XXXX XXXX email : XXXXXXXXXXXX Many thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: AR
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX   XXXX {$6100.00} XXXX XXXX {$1300.00} XXXX XXXX {$880.00} XXXX XXXX {$650.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX {$4300.00}

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX  XXXX {$6100.00} XXXX XXXX {$1300.00} XXXX XXXX {$880.00} XXXX XXXX {$650.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX {$4300.00}

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 2015-10-13
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Transit card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been waiting for my direct deposit from Rush XXXX. I 've been trying to contact them since XXXX and all I get is 5 rings then a disconnection. The company has failed to inform me or a t other users as to what the issue is. There is a severe lack of communication from Rush Card. Not able to access my account online or through their mobile app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX XXXX, a consumer, am submitting this complaint against transunion and there is no third party involved. Transunion, XXXX, and XXXX has my personal information incorrect and inaccurate on my consumer report. My name is XXXX XXXX XXXX. I do not have any other names or alises, and I do not wish to disclose any other names. I have provided the required documentation to show my given name and transunion refuses to delete any other name that appears on my report. My current address is XXXX XXXX XXXX XXXX XXXX, IL. XXXX. I currently have no other addresses and do not wish to disclose any other addresses. Therefore if any other addresses are being reported, i demand that you delete them from my consumer report. all the phone numbers listed are inaccurate and i do not wish to provide any telephone numbers. The name on my social security card and driver 's license is how my name should be spelled as well as my address. I demand transunion, XXXX, and XXXX  correct the inaccurate information listed above within 3 business days. Transunion, XXXX, and XXXX  is liable for damages of {$1000.00} per violation for civil liability for willful noncompliance which transunion, XXXX, and XXXX  has failed to comply. This also includes my actual damages.

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 2017-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital One Credit Card services closed my long running credit card account with no warning and for no reason. At the time of account closure, I have {$310.00} in unredeemed and pending rewards and Capital One refused to issue my remaining awards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
This is the 3rd time Vanilla gift card charges me for purchases I did not make. Every time I call them they open a case but never do anything and I always lose my money. Is not much but they need to stop selling their cards. It's very upsetting that it keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Rocket Mortgage, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Rocket Mortgage used robocalls and auto dialers to target me ( 56 calls ) ; which is illegal in the state of Montana. I don't believe the banker was licensed in Montana. The mortgage they offered me was very high cost, double their own advertised cost for an appraisal. It is quoted at {$200.00} to {$400.00} on the website, up to {$600.00} for a multi-family home. I was charged {$800.00} for a two-bedroom house, and could not get a reason for this from anyone. When I refused to sign the appraisal review waiver, the loan was stalled for a week. The banker and his supervisor both repeatedly misrepresented the three-day rule, insisting I sign the waiver or my mortgage would be " held up ''. When actually, obviously they wanted to bushwhack me with the true LtV at closing and stick me with mortgage insurance. Although I estimated my house value at $ XXXX they used the figure $ XXXX, skewing all estimates and obviously the LtV, which I was not privy to since I wasn't allowed to see the appraisal until after I had withdrawn my application. They tried to charge me 2.625 in points although my credit score was in the high 770 's and the interest rate offered for the loan was 3.375 % at a time when the overnight was hovering around 3 %. Title fees were {$2100.00}. It was even worse, I mean it was atrocious. Absolute refusal to negotiate the terms. The banker XXXX XXXX filled out the application with false information and attached my electronic signature to it. It did not include all sources of income, it didn't include my dependents. It listed no bank accounts or brokerage accounts as if I had no money or resources at all. On the very first day we spoke ( call # 46 ) they required a {$500.00} " good faith '' deposit to move forward, which I would like returned to me since they clearly never intended to offer me a mortgage in " good faith ''. I've discussed this with the banker, his supervisor, ( XXXX? ) and her supervisor XXXX XXXX, both over the phone and in emails with no help. I hope I'll be able to get help here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
On thursd XXXX/XXXX/15 my employer sent my direct deposit to Rushcard. Rushcard then ppsted my deposit to my other card on my account. I tried to withdraw the money and my pin was not working. My card was inactive. I called rushcard and after a whole day on the phone i finally got it activated but was unable to change my pin. I then did a card to card transfer figuring that i would be able to take the money off that way. My full balance of XXXX showed up for XXXX mins then dropped to XXXX. I have not been able to access my money or get a straight answer as to why from rushcard since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.

Company response to consumer: Closed
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # 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 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 non-monetary relief
Consumer complaint received 2021-09-26
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX i sent a hippa letter to experian credit Bureau on XX/XX/XXXX they sent me an notification on experian.com stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that experian was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and XXXX  was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date

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 2022-05-19
Company: EQUIFAX, INC.
State: AL
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:
EQUIFAX, XXXX, XXXX IS SHOWING A ACCOUNT ON MY CREDIT FILE REPORTED FROM XXXX XXXX FOR XXXX XXXX IN XXXX XXXX XXXX XXXX  FOR {$5200.00} WHICH IS OR WAS A EVICTION THERE IS NO WAY A PROPERTY MANAGEMENT COMPANY IS OWED THIS AMOUNT AND IT IS NOT A EVICTION. I CALLED DOWN TO THE XXXX XXXX JUSTICE COURT THAT HANDLES THE EVICTIONS AND GAVE MY NAME AND SOCIAL SECURITY NUMBER AND WAS TOLD THERE IS NOTHING IN XXXX XXXX FOR A EVICTION OR DEBT OWED IN MY NAME. I AD DISPUTED THIS DEBT LAST YEAR PLEASE REVIEW THE COPY FROM THE JUSTICE COURT AND REMOVE FROM MY CREDIT FILE IMMEDIATELY!!!!!!!!!!!! This is fraud and not my debt!!!!!!!! According to XXXX XXXX XXXX this is a old charge off eviction debt that was turned over to collections. Not mine!!!!! Fraud!!!!! Please Remove!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: KS
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:
These inaccurate addresses are reporting on my personal credit file with XXXX, Experian and XXXX credit reporting agency. There are no name associated with this file, I don't think these inaccurate addresses are 100 % accurate because I don't even connected in these stated addresses. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my credit file.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief