BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I have a title loan with the OneMain Financial branch located in XXXX Texas. The loan has typically been paid through ACH debit initiated by XXXX. On XX/XX/2022, while reviewing my bank account, I discovered that XXXX had taken a second ACH Debit from my account in the amount of {$550.00}. I immediately reached out to XXXX XXXX where my account is located. XXXX XXXX was able to see the fraudulent ACH Debit and noticed that the debit was made in the name of XXXX XXXX XXXX whom I do not know. The only way to stop XXXX from making further fraudulent debits was to close my checking account of more than 30 years and open a new one. This has led to countless hours setting up the connections with all of the other vendors I use. I reached out to XXXX on Saturday, XX/XX/2022 but the support line was unwilling to help as the branch was closed. I finally was able to connect to a representative at the branch named XXXX XXXX in order to get them to reverse the fraudulent ACH Debit. 
He has refused to help reverse the ACH debit unless I show them a screenshot of my bank account with all of my information on it and the current balance. This has been now been going on for several days and XXXX XXXX refuses to give me contact information for anyone other than himself. I am stuck and they still have my stolen {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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 Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am a business owner and even though it is a corporation, I have to use my personal credit. Who personally uses their credit for XXXX or any other corporation? My major issue at this point is I pay a monthly fee to be a member of the credit reporting agencies. I get updates daily if there are changes and can refresh my score at anytime. Recently I purchased a home the bank pulled my score from Transunion as did I and the scores were different as much as XXXX points. This week I am purchasing a new vehicle and my score was XXXX points less than what the bank got. Because of the difference on the house I am paying 2 % more monthly and the vehicle I will be paying 3 % more. Anyone that pulls my credit or any Americans credit should receive the same score. I find the scoring system as a fraud / scam to consumers. The system needs to be the same, I work to improve a score of XXXX when really ( per the bank ) I need to work to improve a score of XXXX of which I have never seen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed account.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This letter I HAVE ATTACHED is a formal complaint that this credit bureau has ignored my previous TWO request and failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I get no response from the credit bureau when I submit disputes.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: NE
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:
Called Experian on XX/XX/22 to dispute unrecognized hard inquires on my account. The representative was very deceitful making up random laws to justify unknown inquiries and when asked that I be provided with my credit files and sources that verify that the inquires were infact accurate and valid the representative hung up on me.

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 2017-05-31
Company: EQUIFAX, INC.
State: WA
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:
On multiple occasions I 've not only contacted Equifax about inaccurate & erroneous regarding addresses to Which ive never lived in! I have even sent notorized doucments proving that i didnt live at the address, supposedly those addresses have been deleted but yet the remain on my Equifax credit report. This hinders my chances of obtaining credit, verifying who i am when i apply including getting turned down because of this. Please inform Equifax that im now seeki ng Legal Consumer Protection Council if this inaccurate information stays on, and that i will seek Legal remedies via Lawsuit. attached i have provided dispute results from Equifax and Todays File which still shows the Supposed '' Delet ed Addresses ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXXXXXX XXXX : XXXX Date Updated : XX/XX/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 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 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 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
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my 3 credit bureaus ( XXXX, XXXX, TransUnion ) and found many unauthorized inquiries that I did not recognize. I am trying to close on a home and the creditors that made the unauthorized inquiries refuse to either investigate or remove them. Please help. This is destroying my credit.

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 2018-02-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account in XXXX on XX/XX/XXXX. I transferred XXXX to Coinbase, and I bought a virtual currency ( about XXXX Ethereum ) on XX/XX/XXXX. 

That same day I tried to transfer that virtual currency to another platform ( XXXX ) and my account was locked.XXXXI opened a support ticket, and I got an automated reply on XX/XX/XXXX. After that I got another reply on XX/XX/XXXX, saying that there were going to investigate it. It's been more than 3 weeks since that but still no answer. 

Following their instructions, I didn't open another ticket. I just replied the support email a couple of times to see if they were doing something but still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: KEYCORP
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have had repeat problems with KeyBank related to wire transfers, specifically regarding the XXXX XXXX XXXX. Going back to XX/XX/XXXX, I was purchasing a vehicle out of state. I spoke with the branch manager XXXX and asked her how I would go about initiating a wire transfer for down payment. XXXX told me that there are absolutely no wire transfers within the branch and that they are almost always a scam. So, instead I had to do a bank certified check which was a huge pain. I also do XXXX investments which requires a domestic wire transfer, so on multiple occasions I had to send personal or certified checks because I was under the impression that KeyBank did not offer any wire services. Fast forward to XX/XX/XXXX and I am purchasing a 2nd home in Florida. I called KeyBank to see what the process would be for closing and they said I could do a wire transfer over the phone. Two days before my closing, I called to initiate the transfer and they told me I had to do a transfer in the branch only. I called the XXXX XXXX KeyBank branch and they once again told me they do not offer wire transfers period. I asked him to look into it and he said he would to " appease me. '' His name is XXXX at XXXX XXXX KeyBank. He ended up being 100 % wrong. This entire time, they could have done wire transfers for me in the branch. On top of that, my mom had to wire {$25000.00} for me as a gift towards the home. When she went into the branch, XXXX told her it was again a scam and that wire transfers were dangerous. My mom called me crying from the parking lot not knowing what to do. In order to transfer the money for my closing, I ended up having to do a round trip flight from XXXX to XXXX to visit a branch to sign a piece of paper. This ended up costing me over {$1000.00}. The wire transfer misinformation is just the beginning when it comes to the issues I've had with this XXXX XXXX KeyBank branch. Just today, my contractor told me he was being questioned by someone in the branch about what I was doing and why I was writing him so many large checks. This branch has repeatedly been nosey. Last year, I had someone fraudulently take around {$3000.00} from my business account with XXXX I told them at the branch it was 100 % not me. They told me that because I receive wire transfers into my business bank account, it was my fault and that if I went through with the report that they would most likely rule against me. I moved forward, filed a police report and the bank ultimately ruled in my favor. The XXXX XXXX branch needs an overhaul, specifically XXXX and XXXX. Please follow up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I attempted opened a Citi bank account on XX/XX/2021. They closed my account immediately after receiving a direct deposit due to fraud. They would not or could not tell me what the issue was. I banked with this bank before, and my account was compromised. I called then to solve the issue, and the account was closed due to fraud with absolutely no help to me or my personal info that had been compromised. Since that has been a few years, I figured they may have gotten better as a bank and decided to give them a second try. Well, I guess I should have thought twice about it. Because here it is a month later and I am still getting text alerts that money is still in a account that I can not use or have access to. I called about this the first time around XX/XX/2021 and was told that they are closing my account and will send my money by check in the mail. After constantly receiving these text alerts, I have yet to get my money. On XX/XX/2021 I decided to call again. They asked me questions to get into my account. I answered everything. My mothers maiden name, my full social, and my full name. They said my info was incorrect! Like I could really mess up my personal info! Smh! So they wouldnt allow access for info unless I had a debit card or account number. Which I shredded after being told the account was closed. Thank XXXX I screenshot the account info when I first opened the account, because if not, I wouldnt have gotten anywhere. He goes into my account and says its a fraud block on the account and it says its being processed to be closed. Considering the fact the account wasnt open a week, Im not understanding why its taking so long for this account to be closed. At this point Im asking if there was anyway I could upload a picture ID along with my social security card. I was told no. This is ridiculous and I am not understanding how a bank that claims they want to make sure theyre customers are taken care of, arent being taken care of. First of all, how are you holding someones funds that came from a direct deposit? Make that make sense! I can not believe I am going through this for a little {$200.00} that I forget about until I get the daily text alerts around 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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 accounts are fraudulent : XXXX XXXX XXXX - {$200.00} XXXX XXXX - {$570.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Credit Karma, LLC
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We tried to make a transfer from Credit Karma savings account to Credit Karma checking account but received an error message saying we had already hit the max 6 withdrawals per calendar month. We decided since we needed the money we would close the savings account and transfer the balance to the checking however in order to close the savings account you have to link an external bank account ( which we got error messages when trying to do ). Because of this we reached out to Credit Karma on XX/XX/XXXX to assist with closing the account for us and transferring the balance to the checking. They were quick to respond and had us confirm we would like to close account. After we confirmed there was no further response from Credit Karma. After 2 days ( XX/XX/XXXX ) we called Credit Karma for follow up and were told that they would escalate and we should receive an email. Yesterday, XX/XX/XXXX our savings account was closed and money withdrawn but NOT deposited to our checking account. We emailed AGAIN asking where our money is and got no response. This morning XX/XX/XXXX when trying to call the same number we called on XX/XX/XXXX we get a busy signal or just a failed call in general. We have no idea where our money is and the company has refused to respond to any of our requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have in previous letters to Experian ( most recent attached ) asked to have XXXX XXXX XXXX ( Supposed Bankruptcy ) Re-Investigated pursuant to the Fair Credit Reporting Act, Their response has been that the item was verified as mine per a third party Data  Furnisher XXXX in XXXX 2019. I have informed them and provided proof that they could not have verified these items with XXXX as I have a letter from them stating that my file with them has had a Security Freeze on it Since XXXX of 2019. It is impossible for them to have verified any information with them and my Consumer Rights have been Violated by their inaction to correct the matter.

Also, I have challenged several Credit Inquiries as not having my authorization for the hard pull on my Experian credit file. They refuse to provide me with any proof that they are mine such as a hard signature etc. I have stated that these companies did not have permissible purpose to do a hard inquiry by me and that they should 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 2016-10-21
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Suntrust sent me a letter dated XXXX/XXXX/2016 that it would request that invalid inquiries in XXXX 2016 be removed by XXXX. 
I contacted XXXX and the rep says there is no record of any request from Suntrust. 
Suntrust checked my credit 3 times in XXXX and XXXX time in XXXX for my mortgage application of XXXX 2016.

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 2022-07-06
Company: EQUIFAX, 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  Accounts # XXXX from 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  # XXXX XXXX DEPARTMENT OF EDUCATION, XXXX XXXX XXXX DEPARTMENT OF EDUCATION, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Accounts # XXXX from XXXX  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 DEPARTMENT OF EDUCATION, XXXX XXXX XXXX DEPARTMENT OF EDUCATION, 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