BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account and debit card with Randolph Brooks Federal Credit Union. I needed to make a cash deposit to an ATM, but there were no XXXX ATMs in my area, however they are part of the XXXX  ATM network, where I should be able to use any XXXX ATM to do certain transactions, as far as I knew. I found the nearest XXXX ATM that said it accepted deposits, which was a XXXX XXXX XXXX XXXX ATM attached to a XXXX branch ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). On XX/XX/22 at approximately XXXX XXXX, I used this ATM to attempt to make a cash deposit. I entered my RBFCU debit card ( ending in XXXX ), entered my PIN, and selected cash deposit and entered the cash into the machine as instructed. The machine spent several minutes making noises as if it was counting the cash and then an error message appeared on the screen " Unable to return your cash ''. It then printed out a receipt that says : " We encountered a problem returning your cash. Please contact your financial institution. '' It also has the timestamp and the ATM # which is " XXXX ''. 

I went to the XXXX XXXX branch in person on Saturday XXXX and briefly spoke with an employee who only told me that I had to contact my credit union to file a claim. I have contacted RBFCU by phone many times over the past few days and have spoken with no less than 5 employees in the payment services department and the claims department, who have repeatedly told me that they have absolutely no way to initiate a claim with XXXX XXXX because there is " no record of a transaction on their end, so there is nothing to file a claim over. '' I have also spoken with the ATM services department at XXXX XXXX over the phone, who also told me that they need RBFCU to initiate a claim with them to start the process of returning my funds to me. 

So it has come to this, I have both financial institutions giving me the run around. My cash is physically in the XXXX XXXX ATM and whenever they audit it they are going to find the overage, and I don't know how they are going to return the funds to me because RBFCU is refusing to help me or coordinate with XXXX XXXX in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
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: Information belongs to someone else

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. And they want me to pay them money to freeze my credit -- when they collected this information without my consent and failed to protect it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX  is report on my that I have had 3 late  payments. My account was set on auto payment but for some reason it was cancelled in XXXX. XXXX is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. XXXX will not help and it is messing our process of purchasing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: CT
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:
Equifax was involved in a security breach. I received no notification about this until it came out in news reports, but my information appears to have been compromised according to a website they put up on XXXX XXXX, 2017. The amount of personal information they possess can be used to destroy someones finances.

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 2019-10-16
Company: COMMUNITY BANK SYSTEM, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I made a deposit on XX/XX/2019 of $ {$460.00} and the teller made me the deposit for {$170.00}, something that is a mistake, the next day, Saturday I went to the bank, and told her that this was wrong, I asked him to look for the check for XXXX that I supposedly hand to her, but they couldn't give me that, because the check which I have in hand was for XXXX. When I went to the person who helped me that day, what she told me went to the bank again to see if her and see if had already solved this, the answer she gave me was, oh you are still aware of that, I was surprised with This answer is my money and work hard for it, I have to ask for this to be fixed and have the diferente of my money rent to me. 

She told me that if I was still aware of that, the teller named XXXX told me that she would look at the camera with the manager XXXX, but every time I go, they tell me something new, neither XXXX or XXXX have checked what happened with that deposit. I have been doing this for years, weekly, they know it, every day or the next day i get paid ... I take my check to deposit and withdraw what is available balance in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: EQUIFAX, INC.
State: NV
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:
Since XX/XX/XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX  XXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX  XXXX provides an audit of all payments received from XX/XX/XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX XXXX XXXX  XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXXXXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX XXXXXXXX if this is a legitimate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX woman XXXX : XXXX XXXX has sent multiple negotiable instruments monthly to Discover Card Services to settle the full balance and to reopen my credit card account of the created debt and have never received a reply, which was required, neither received any of the instruments back which means that the account is satisfied in full per UCC 3-603. 

In XX/XX/2022 I also sent an affidavit to Discover in which it was not rebutted point-by-point as they never responded. 

With my XX/XX/2022 remittance coupon, I've sent a notice to Discover informing them that according to USC 1693o-1 Remittance transfer, the purpose of this law is to accept my remittance slip as payment for this XXXX bill statment. According to 12 CFR 1026a Billing Error Resolution, by law, creditors ( Discover ) can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. I also informed them that failure to comply by not accepting my payment will result in further legal action. 

In additional, Discover has also charged me an interest fee of {$130.00} and decreased my credit card limit as the account was orginally opened with a beginning balance of {$15000.00}. 

Discover has rejected my remittance coupons for XXXX, XXXX and XXXX which is fraud and discrimination. Discover has also failed to uphold their relationship as the trustee to the trust and have not acted in the best interest of the beneficiary ( me ) which is considered fraud and discrimination. Discover also refused to accept my Negotiable Instruments as payment but never returned any of the three negotiable instruments sent via certified mail, therefore, that is acceptance for value per UCC 3-603. The payments have been made in full three times and they have refused to place a {$0.00} balance on the ledger paid by the XXXX and reopen my account as active. 

Lastly, since they fall under the UCC laws and accept Federal Reserve Notes, Checks and Money Orders, they also are supposed to accept my Remittance Coupon as an instrument of payment too according to UCC 3-603. Discover has committed fraud and discrimination against me multiple times and has also closed my credit card account and reported false information on my credit report to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IN
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:
Regarding the recent Equifax massive security breach reported yesterday ( X/X/2017 ), I checked my information today ( X/X/2017 ) on their website " https : //www.equifaxsecurity2017.com/ ''. My vague result read : " Based on the information provided, we believe that your personal information was not impacted by this incident. '' I have no choice but to assume that means my information has been released to an unauthorized party. I did not follow through the XXXX enrollment as it is unclear if this waives my rights to press charges against Equifax for damages. I have placed a fraud alert on my information in attempt to limit damages from Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX EQUIFAX XXXX ( 1 ) XXXX XXXX XXXX bought my debt and also since reopening this account on my credit report the the balance increased.Wviolation under 15 US CODE 1692c ( 2 XXXX XXXX XXXX XXXX XXXX did not have my authorization to run my credit ( 3 ) XXXX XXXX XXXX  Did not have my authority to run my credit. 

( 4 ) XXXX XXXX XXXX did not have my authorization to run my credit. 

( 5 ) XXXX XXXX Did not have my authorization to run my credit. 

( 6 ) XXXX XXXX did not have my authorization to run my credit. 

( 7 ) XXXX XXXX XXXX was not authorized by me to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Portfolio Recovery reports they have validated the debt yet I have not received validation documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am unable to make the high payments. Over the past year every time I call Navient I am given different information, am told I am not eligible for programs, given different amounts and dyes due. Last time I call I was told I can not enter a program. I called again and entered the same program one month later. Navient then reported me 60 days late on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Today, I learned about an unlawful policy that was put in place by PayPal. This policy calls for PayPal to place and maintain a hold on the transfer of funds ( from the buyer of a product to the seller of a product ), even when both parties agree that no additional performance is due and that the funds in escrow should be released. This policy is a clear breach of fiduciary duty by PayPal and can not be excused as a reasonable impairment of a sellers right to access their funds : especially if the parties agree that delivery has been made and that the buyer is happy with the good/service that was provided by the seller in exchange for valuable consideration ( i.e. the money that was put in escrow by the buyer to be turned over to the seller upon delivery ). The unreasonableness of maintaining a funds transfer hold in such situations has been explained to PayPal via telephone and email by this complainant. Please investigate, and sanction, PayPal for a willful breach of their bailment contract with sellers, a willful breach of their bailment contract with the buyer, their trespass to sellers XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CT
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:
A massive security breach was exploited on Equifax data affecting 143 million people. Executives of the company sold their shares before releasing the information about the hack, 3 months later. I am beyond furious that my information can be so clumsily kept and stolen by a company with this much responsibility in one 's own finances. And yes, I am one of the 143 million affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX2017, Equifax made public that they had been hacked by an unknown 3rd party. On this same day, I used their website to find out that I may have been one of the 140 million people who may have had the their information stolen.
The incompetence of this company may now affect my personal credit for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover from other sources. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CREDIT ACCEPTANCE VALID TO GIVE ME INSTRUSCTION TO VALIDATE DEBT, DIDNT KNOW COMPANY WAS A DEBT COLLECTOR

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 2021-03-10
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020, I faxed a letter to American Honda Finance after a conference call with their service representative, and a representative from XXXX XXXX of XXXX XXXX. The letter and call were designed to explain to American Honda Finance that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX ) made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off Honda . The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, XXXX, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

XXXX  has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA XXXX or XXXX has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against XXXX and XXXX : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I checked my Credit report and Wells Fargo dealer had XXXX inquires on it. I asked for the application for permissional purpose and got letters back listing all kinds of dealerships.

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