BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I reached out to Chase 's customer service to obtain my records from them. One lady said I had the wrong department, she transferred me to another department and he said that was the wrong department and hung up on me. I need my bank statements from my account from when I opened to when it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX  XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Avant Holding Company, Inc.
State: MA
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:
I have to say first my ID was not stolen but there was no other selection on this site that fit what has occurred. I applied for an Avant credit card on XX/XX/2023. I was approved and an offer was made. I did not accept the offer, nor did I activate the card. I received an email today, XX/XX/2023, that I owed {$39.00} which is what the annual fee is. The reason I did not accept the card or activate the card is because of the annual fee. I spoke with a rep who stated they could close my account. I reiterated that I never opened an account. The rep then stated that it is Avant 's policy that when a customer is approved they open the account. I explained again that I never authorized the opening of the account and I never activated the card so no account should have been opened and I also stated that this seemed to be a fraudulent practice. I work in the mortgage industry and we approve clients all the time but that does not mean that an account is just opened and we give them the money. I asked to speak with a manager. I was told the manager was already on an " involved '' call. I explained that I would wait. The rep stated that they had other calls to take and again I advised that I wanted to wait on hold and this call with me was not resolved so the other callers, unfortunately, would have to stay on hold. The rep proceeded to put me on hold and never came back. I made two additional calls and was also placed on hold and was told I was being transferred. I am currently on the phone with them again right now and being transferred to a manager for the second time as the first time the call was disconnected. They are advising me that I owe a pro-rated annual fee for the amount not used. I never authorized an account to be opened in my name and I never activated the credit card. This seems to be a very fraudulent practice. I have now spent well over an hour of my time trying to resolve this and am still on hold. I never signed any documentation authorizing any of the actions that Avant has made and I never activated the credit card. I applied, was approved, and did not like the terms- so I didn't activate the card thinking that would be the end of it as it is with every other credit card I have ever applied for. After 1 hour and 27 minutes I finally was able to speak with a manager and within 45 seconds was advised that the {$39.00} would not be charged because I never activated or used the credit card but it would report that I opened and closed the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have sent in legal tender multiple times and Citicard accepts the special deposit, then they reverse the credit and do something called " private placement '' because I didn't send them a " registered security ''. In doing so, Citicard fell out of honor, and in an attempt to correct the situation I sent them a {$100000.00} registered security. Citicard just stole that as well, and did NOT apply anything to the account. 

I sent them a U.C.C. 1 claiming the contract. 
I sent them a U.C.C. 3 assigning Citicard to perform I sent them a Bureau of Fiscal services form 233 giving them POA to receive and apply payments I sent them a hand written letter explaining the facts. 

I have yet to come to a resolution, I lay this situation at your feet.

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 2023-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Once again Equifax us reporting inaccurate information about this same lender XXXX ( XXXX ). 
I am submitting the information fron the lender statement about my account as well Equifax credit report showing the wrong amount balance. The amount the are reporting isnt what i owe after statement was closed out. 
This is an on going scenario with equifax and as a result i have lost a number of credit opporunities due to this. 
It seems like they dont take the time to really investigate, and my reporting to the CFPB seem wasteful. I take this seriously as i monitior my account daily and dont think this should be happpening to any consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: WI
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 is reporting inaccurate information on my credit history. I've sent the agencies a Identification driver 's license and recent bill.

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 2023-01-12
Company: Experian Information Solutions 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:
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 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 : 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 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 2022-12-12
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:
In accordance with the Fair Credit Reporting Act the following Accounts, have 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 an account without my written instructions.

15 U.S.C 1681 ( 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. 1681-2 ( 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.

In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report. 

Experian stated the XXXX account XXXX opened XX/XX/2018 was properly investigated but how is that possible if I never applied for the XXXX account XXXX XX/XX/2018 and have sent them a letter from XXXX in which it states the account was opened fraudulently? I have also filed a police report and a FTC 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 2023-03-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2022-03-02
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for a credit card for a department store purchase on XX/XX/XXXX. I was approved for the card and proceeded to purchase furniture on said card. My delivery was set for XX/XX/XXXX but my home was not ready to take delivery so I rescheduled for a later date. I also opted out of one of the furniture items prior to my scheduled delivery. I received the furniture on XX/XX/XXXX. I received an email on XX/XX/XXXX stating a payment was due XX/XX/XXXX. I called the credit card company on XX/XX/XXXX letting them know I didnt receive a bill yet and just recently received the merchandise. At the time of the call the representative stated she would make a note and that I shouldnt pay until XX/XX/XXXX and she would make a note regarding any late fee to be removed. I requested my account be removed from electronic billing statements and would like to continue receiving a paper bill instead. On XX/XX/XXXX I received a collection call from XXXX XXXX regarding my past due bill. I explained the previous conversation with customer service and also requested more detailed information on the balance due. The collection representative stated she couldnt request an late fee adjustment unless I agreed to pay the amount past due. I was very upset the previous rep didnt request this adjustment or note my account. I feel this situation is predatory lending. I was never told my billing would start the date of the transaction instead of my delivery date. I also have never received my initial bill even after I requested it on XX/XX/XXXX. This has caused me emotional distress and a financial hardship because I wasnt prepared to make a payment until after I received the merchandise. My credit score was impacted by the transaction because it reflected a balance above the amount of merchandise I received. The company was only willing to reverse the late payment after I made a payment and is requiring me to pay the late fee to later credit towards my merchandise purchase. In total I authorized {$140.00} payment to eliminate any past due marks on my credit however I also need to pay an additional {$29.00} for the late fee even though the payment should go to my balance. I believe during my credit application I was automatically signed up for electronic statements that didnt allow me to dispute this prior to my due date. The company will not acknowledge there was a break down in communication from the initial credit approval. They will not assist with any corrections to eliminate my minimum payment being a lot higher with less merchandise actually received.

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 2023-04-13
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account was open on XX/XX/XXXX in the amount of {$910.00} for collection. It is currently listed as both a closed and collection account. It also changes the original amount of the account every month ( which cant change since the account isnt open ). I have disputed several times because this account was settled in court on XX/XX/XXXX in favor of XXXX in the amount of {$770.00} and should no longer be on my credit report. They increase the balance of the collection every month, and report it twice. Resulting in significantly lowering my score which is a violation of the FCRA as it should not be on my report at all, but they continue to verify inaccurate 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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
So I currently purchased credit repair software and I ran my credit report instantly. Upon examining my report I found a few mistakes. Those mistakes being my name being misspelled, my address not being up to date and current employer not being correct as well. Knowing that these credit bureaus are responsible for millions of people inform and also knowing that they have ha habit of making plenty of errors on peoples credit report. I thought that disrupting these error would be the correct move to make.I sent my disrupts out on XX/XX/2022 and I have yet had any help with removing this information. Can you please help 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 non-monetary relief
Consumer complaint received 2017-04-27
Company: NATIONSTAR MORTGAGE LLC
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:
Nationstar Mortgage claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX   filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX     XXXX  was awarded Judgment of Possession in  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I filed a lawsuit to enjoin a  Wrongful Post-fo reclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the  Court  they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas.     On  XXXX / XXXX / XXXX ,  Nationstar  's attorney admitted in  XXXX  pen Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or n otice of foreclosure. However, my credit report shows I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently had work done on my automobile at the XXXX dealership under manufacturer warranty, the dealership ended up not doing the work correctly caused damage to my vehicle and refused to give me my vehicle unless I paid them for the supposedly work that they've done. So against my will I was forced to pay them {$790.00} and after that I filed a police report for the damages to my vehicle and ended up having to get rid of the vehicle because of the damage that they caused. I contacted my bank reversed the charges and let the bank know that I was forced to pay these charges and that I wanted that money to be credited back to my account and the payment to be stopped. So on XX/XX/2023 a charge of XXXX was charged to my checking account contacted the bank and had the charge stopped in reversed on XX/XX/2023 for {$790.00}. On XX/XX/XXXX I received a letter saying that the money was permanently added to my bank account and that the case was closed, then on XX/XX/2023 I noticed in my checking account a deduction of XXXX was deducted from my account balance. A few days later I received the letter in the mail stating that we determined that the transaction was processed properly please contact the merchant directly for resolution. I want my money put back into my account because this was a fraudulent charge that I was forced to make against my will. KeyBank waited over 90 days and then without any notification to me deducted {$790.00} out of my account. There is no reason to do this after 90 days and after the fact that you said this was going to be credited to my account permanently. 
As far as banking regulations go this is against bank and regulation E and that Key Bank has a responsibility to follow the rules regulated by the banking commissions and as far as I am concerned and as far as the regulations go they are in violation of Regulation e period I want this money credited back to my account since they have gone and violated regulation e and deducted this money from my account after 90 days has passed they are in violation and I expect them to be reported for doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: U.S. BANCORP
State: IL
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:
XX/XX/2022. 
2 credit cards fraudulently opened in my name. XXXX XXXX Us Bank I did not apply or open anything from them. I noticed it on my credit report and through emails. 

Thanks

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