BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We received an official Cashiers Check for my nieces birthday from her father. She completed a mobile deposit for this check into her account. The amount of the check was {$500.00}. We received an email from CapitalOne first saying that the check was suspicious and the deposit was held based on this. We then received a notice that the check was being processed and we could destroy it. 

When I called to clarify what was happening, the representative confirmed that it was under processing but wouldnt clear until XX/XX/24. As this is an official cashiers check, it should be within 1 business day per Reg CC but the individual was insistent that there was nothing that could speed it up. When I asked for escalation to their executive office she first told me its have to write in. I had to push to get her to file a complaint and have it escalated, even having to cite complaint standard requirements. She told me then that it could take up to 30 days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand the following accounts be verified or removed immediately. 

XXXXXXXX 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
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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 status incorrect

Complaint:
THERE SHOULD NOT BE IN NEGATIVE INFORMATION ON MY CREDIT REPORT PLEASE CORRECT INCORRECT INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureaus stated for the second time my account was properly investigated and up to date. Ive disputed everything that was not mine yet its still on my credit report. I was told i had a XXXX account on my credit file by experian and when i went to the bank they told me there was no such account. Ive been looking for cars and less than 3 month ago my down payment was {$200.00} but today XX/XX/XXXX i was told my down payment is $ XXXX. So when i called and talked to someone i was told again that was accurate but that's not possible because i have different credit scores, different amounts owed, incorrect account numbers, incorrect dates of open accounts, incorrect dates of closed accounts, inaccurate addresses, inaccurate names, inaccurate accounts, inaccurate active dates and not to mention it took more than 30 days to respond. This is grounds for removal, they have also violated my rights as a consumer. 


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 : A consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 XXXXXXXX - {$0.00} XXXX XXXX - {$5800.00} XXXX XXXX - {$2700.00} XXXX XXXX XXXX - {$290.00} XXXX XXXX XXXX XXXX - {$210.00} XXXX XXXX XXXX XXXX - {$78.00} XXXX XXXX XXXX XXXX - {$1500.00} - all XXXX XXXX XXXX XXXX - {$4200.00} XXXX XXXX XXXX - {$1600.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-04-13
Company: Orion Capital Solutions LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called all my family members several times now saying they are trying to locate me to sign some papers and some members told they have a claim against me and i need to call them. They have my current address and phone number. They keep calling family trying to make me contact them. They also use other company names like XXXX  but the phone number belongs to orion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15U.S.C. 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

MEDICAL COLLECTIONS ARE ALSO PROHIBITED FROM VIOLATING HIPPA LAWS AND WITH WRITTEN CONSENT CAN NOT FORWARD ANY PERSONAL HEALTH DIAGNOSIS TO ANYONE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: MOHELA
State: IA
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:
I submitted my PSLF application on XX/XX/2022. I received email notification on XX/XX/2022 my PSLF application was denied. I didn't understand how because I have been employed for the XXXX  for over 14 years and I have made over 120 monthly payments. I called Mohela on XX/XX/2022 and spoke with a worker. She reviewed my PSLF application dated XX/XX/2022 and stated my application should not have been denied as I met the qualifications submitted on the application. She reopened my XX/XX/2022 PSLF application with a received date of XX/XX/2022. Now I have to wait another 90 business days before Mohela processes my PSLF application. What kind of business are they running. If the error is caused by Mohela I should not have to start over and wait another 90 days for the process of loan forgiveness. I should be able to keep my original received PSLF application date of XX/XX/2022. I do not have time in my day to wait 2-3 hours to be on hold with Mohela just to speak to someone about their error. The Mohela PSLF application process should not be difficult to verify my employment and 120 payments made by my student loan servicer. It's as if Mohela does not want people to receive student loan forgiveness authorize by the Federal Government so they prolonged the process and denied my application that meets all the qualifications for forgiveness. Please change my PSLF application date back to XX/XX/2022 so the process to loan forgiveness can be completed in a timely matter. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX : Acct # XXXX ; XXXX XXXX  : Acct # XXXX ; XXXX XXXX XXXX  : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish my 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 any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account NumXXXX : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2023-02-13
Company: EQUIFAX, INC.
State: MI
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX, I made a mobile deposit into my checking account. The mobile deposit application said it would be made available on XX/XX/XXXX. I contacted Citizens Bank on XX/XX/XXXX since the deposit was unavailable on XX/XX/XXXX. I received a letter on XX/XX/XXXX outlining that the deposit will not be made available until XX/XX/XXXX because the bank believes the bank will not honor it. I contacted the bank again on XX/XX/XXXX and I had spoken with the supervisor, XXXX. I explained to XXXX my grandson asked me to deposit XXXX check for {$580.00} into my checking account. She asked me how old was my grandson and that he should have gone into a bank to cash it. I told her that Citizens bank offers mobile deposits. I asked her what makes the bank determine if a check will not be honored. She could not give me an answer and advised me to contact XXXX to ask the government why Citizens bank will not honor the check. I asked her if could she cancel the check so I can cash it in person. She said no because I will be getting two deposits. I said you told me that the check will not be honored. XXXX had no right to ask me how old was my grandson and that I should have gone into a bank. XXXX appears to make up her policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase online. USAA asked me to verify the purchase, which I did. USAA declined the transaction as fraud anyway and continues to restrict my checking account EVERY DAY. 
I have more than enough money to cover the charge and acknowledge I made the charge, but USAA ( by their own internal process ) has determined the charge is fraudulent. 
USAA, however, can not explain why the charge is fraudulent, and deem my account as " fraudulent '' on a daily basis. 
I have to literally call USAA to unrestrict my account EVERY DAY. I have called customer service as well as the " Member 's Resolution Team ''. They acknowledge that there is nothing they can or will do to stop this, and it is up to ME to verify my account to access MY funds. 

****This is the most unbelievable customer service experience I have EVER had! ****** USAA ADMITS : * They don't know why ( and can not explain why ) my account has been deemed " fraudulent '' *They will continue to deem my account as " fraudulent '' and require me to call in to access MY FUNDS as long as the " system '' sees fit. 

They wouldn't even close my accounts out due to pending charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number 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 XXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: NC
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 : States a consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of this account. We will pursue {$1000.00} for this violation if the account is not deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Have had a lot of un happiness with Citi Bank they have been my worse nightmare to deal with I wanted to close my account its been over one month and was told it can take over 2 months to close not sure what is going on the treatment has been horrible not wanting to help me close my account and get my refund back to me and not wanting to give me the promo that was offered.

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