BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with automatic withdrawal from my bank into this account for my grand daughter. After a few months I noticed that even though Capital one debited my account on the date ( XXXX of each month ), it took them 5-7 days on the average to deposit the money into the account and make available to make interest. Capital One is using this delay tactic to not pay interest on ligitimate deposits by making them unavailable. It shows in the account but not available, for which there is no reason except screwing customers out of paying interest. May not be much in one account but if you combine all the accounts, they are not paying interest on XXXX  if not XXXX  of dollars. I called the bank and spoke to a rep who told me that is normal operating procedure and then he gave me the good news that in my case it was actually only taking them 4 days most of the time to make the money available, which was not true. It has been taking a minimum of 5 days and maximum of 7 days. I transferred all the money back to my account and they said transaction will be completed on XXXX which has not happened yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NY
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:
There are several fraudulent accounts and unauthorized inquires on my credit report that doesnt belong to me. I havent been checking my credit report in several years and I see that these accounts have been on my credit report for over 8 years and should not be on my credit report at all after 7 years. These accounts are fraudulent and derogatory and is preventing me from buying a house and moving with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: Checkr, Inc
State: AL
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: Report provided to employer without your written authorization

Complaint:
Company provided my personal intonation with out my written consent. According to 15 U.SC. 1681 602 A. States that 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 which I never gave them written consent to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Not my account it only on my XXXX credit report it's 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 2023-03-08
Company: Paypal Holdings, Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX  Venmo froze my account while I had {$690.00} in there I emailed them several times & tried to speak w/ chat but every time I emailed them explaining my problem they kept sending a new rep who had no clue what was going on. When I finally spoke w/ someone named XXXX XXXX was instructed to wait 3-5 days which I did. Shortly after I was told my account was not available to use anymore & no update on my funds. Then they told me to wait 6 months. I reached out again recently & they reset the 6 months from when they initially told me so they basically added an extra 3 months to play w/ my money. At this point they have never told me why any of this is happening and theyre extremely hard to get ahold of, and when I do get ahold of them they send multiple reps to have one conversation and stretch it over days so none of them comprehend what Im talking about. I just want my money I dont want an account with them anymore. All theyve been doing is reminding me the account is closed but they wont tell me when exactly I can get my money, which I dont even understand why its being held. Ive done nothing wrong & they wont tell me anything about the whereabouts of my money. Now when I login to venmo instead of showing my {$690.00} pending it disappeared as if the transfer attempt never even exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/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 2022-09-03
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 2023-02-23
Company: Experian Information Solutions Inc.
State: NV
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 consumer reporting agency never had a permissible puXXXXpose Under 1681 b ( 2 ) to furnish anything on my consumer report. I never consented to this report in the first place. Under 15 USC 1681a ( 3 ), the consumer reporting agency assumed this role without permission, not only that, you did not have consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). The consumer reporting agency did not exercise their grave responsibility, they were unfair and partial. I am demanding this account be suppressed immediately from my consumer report : XXXX XXXX XXXX XXXX : Account Number : XXXX : Amount : {$35000.00}

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 2023-03-07
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
i have disputed this company ic systems before, it has showed up on my credit report before then i disputed that. then is reapperad as allied collection systems in which i reported to you all as well. so its like these two companies keep buying and reselling information thats inaccurate and without anyones consent. at one time they were both completely gone from report and now its reappeared.

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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 hard inquiries are preventing me from establishing my credit I did not give them permission to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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

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 2023-03-08
Company: Army and Air Force Exchange Service
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a debt of {$4400.00} that was owed to MILITARYSTAR. It was paid out of our income tax return from the treasury on XX/XX/2023. XXXX put that they updated to charge off instead of removing after collection was paid.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 2023-01-20
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2019 {$630.00}, XXXX XXXX {$300.00}, XXXX XXXX {$3700.00}, XXXX XXXX {$2100.00}, XXXX XXXX {$6900.00}. I Disputed this accounts and No resolution to this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
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 account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX 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 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The consumer reporting agency violated my federal rights by running a credit check on me multiple times from XX/XX/XXXX- XX/XX/XXXX without my permission when the vehicle was first leased in XXXX which should have been the only time the consumer reporting agency ran my credit, no reason for the consumer reporting agency to run my credit 4 times a year after buying the car and without my permission. 

The consumer reporting agency also violated ( Cal. Bus. & Prof. Code 7507.9 ) by not giving me notice for my personal property inventory within 96 hours of repossession.

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 2023-03-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my TD bank beyond checking account on XX/XX/XXXX as a new customer as there was a cash promotion for new customers. 

The term was to earn {$300.00} if I have {$2500.00} in qualifying direct deposits within 60 days of account open. Minimum {$5000.00} had to be maintained in order to have the maintanace fee waived. So I deposited {$2500.00} twice and kept it for 6 months. 

However, my cash bonus never came through and when I called the TD bank representatives twice in XX/XX/XXXX, they were all saying that I didnt sign up using the correct online promotion link, but through the direct mail site. 

I never used a promo code from a direct mail and couldnt believe that they didnt make up to what they have promised although I followed all the prerequisites. 

I was also told that I am forever ineligible to receive any promotions from TD bank as I will never be a new customer now. 

I tried calling the XXXX ( promotional dept provided by the bank teller ), but, of course, they never called me back despite I left multiple voicemails. Is this some sort of scam to use my money and information for some other purpose? Obviously, TD bank is not responding to me and avoiding me. 

I am deeply disappointed and concerned that major bank like TD bank can be so unethical to their new customer. I wanted to make sure and report their misbehavior so that no other customers get affected by their false promotions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: MO
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XX/XX/2023 I tried to use my card it declined because it expired XX/XX/2023. I having been calling Direct Express everyday all day to speak to someone about not receiving card that the automated service says was sent out XX/XX/2023. U never received a replacement card and the system is saying high call volume try your call again later I have been calling every hour and still cant get a hold to a representative to atleast have a new card shipped out. My rent is due in the XXXX if this month and I cant access the benefits on my card. Now I will be charged {$200.00} additional for late fee. I need access to my funds and all fees that so have to pay because of this negligence by Direct Ecoress to be reimbursed too,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hello on XX/XX/XXXX I applied for a credit card with a 0 % balance transfer. Never on the website was i told there was a delay in receiving my card. i did not receive my card until XX/XX/23. During this time Penfed Credit Union would not send out my balance transfer requests as they will not until i physically receive the card and activate it. Since XX/XX/23 I have received XXXX credit cards with the same exact card # meaning they were activated when they mailed # 2 and # 3. As of today they have the companies i requested a balance transfer to have not recieved the payments. Online it shows i owe PenFed Credit Union money as well as everytime I call them I receive different responses from their customer svc dept. " The checks have been cashed. They were put in the mail on XXXX XXXX. They have not been cashed. I have to redo everything as its more than 30 days and they do not see my requests. '' Everytime i call its different. My credit score has dropped over 40 points since I applied for this card as the balance transfer request has not been completed. I have contacted XXXX XXXX and they assist in investigating issues like this with companies as well as an attorney. Its been over 2 months and none of my cc 's have received the payment of the balance transfer request but PenFed claims they sent it. They do not have tracking numbers or copies of the checks that they claim they sent to the companies on my behalf.

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 monetary relief
Consumer complaint received 2023-03-07
Company: Exeter Finance Corp.
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: Reporting company used your report improperly

Complaint:
I went to a car dealership to look for a vehicle to purchase and the dealer stated that he was only pulling one hard inquiry. More than one hard inquiry was pulled unlike what was stated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: ALLY FINANCIAL 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: Reporting company used your report improperly

Complaint:
On XXXX/XXXX/2021 I was shopping for a vehicle for my business and the dealer pull more than one hard inquiry on my report. My credit report was misused without my permission. I was under the assumption that only one hard inquiry would be used for 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 2023-03-01
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
When Truist was Suntrust, I opened an account and deposited {$100.00}. When I went back to withdraw some of the money, I was informed by the banker that I couldn't get my.money and to call support. The workers were rude and nasty as they said this. I called support and they informed me that my account was closed and that I couldn't get my money back. So essentially they stole {$100.00} from me. Fast forward to months later, I receive in the mail a bank statement from truist that says I have an account w them and it's {$75.00} in the account. So the company took from my starting balance. When I called truist to get my {$75.00} and take the {$24.00} as a lost, I was informed that I can not withdraw my money because I had never used the account. The thing is when I tried to use the account when it was suntrust I was denied access to my money. A bank stealing a measly {$100.00} from consumers and then taunting me w it by sending monthly statements saying I have money in this account I can't access

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