BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Current ( Finco Services Inc. ) on or around XX/XX/2022. I initially made 2 small deposits to establish the account and ensure everything was working correctly. Next I created and funded 3 " saving pods '' with dollar amounts close to the {$2000.00} maximum per pod. Within 24 hours of accepting the deposits Current closed my account.

Following an internal review of your account activity, we are exercising our right to permanently close your Current account, and if applicable, your linked Current teen account ( s ), pursuant to the Account Agreement, Section C, Article 12. We are also terminating your access to any Current services, and this decision can not be appealed. 

I did request further information and was sent the following reply : We dont generally provide specifics related to the difficult decision to close your Current account. However, please know an objective and detailed analysis of account and transaction history, along with intelligence collected from sophisticated external sources, supports our decision to part ways. Based on this analysis we strongly believe appropriate action was taken. 

Current has now informed me they will only release my money after receiving a hold harmless letter via email from XXXX XXXX. XXXX will provide the letter to the account holder but due to security concerns will not email it to Current. Current informed me they will only accept an email from XXXX ; therefore, they won't return my money. Current did send three auto emails to me this morning, XX/XX/2022, stating the deposits had been settled and the are funds available. After I received the emails XXXX at Current has confirmed they will not release any money until XXXX emails them a hold harmless letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: HW Holding, Inc
State: OH
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:
HUNTER WARFIELD INC has placed an account on my credit report that belongs to someone else and is included in a bankruptcy. The petition will be attached showing this account belonging to someone else

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TN
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 contacted Equifax multiple times over the past 7 years over the same issue. I do not exist in their system we go through the process and I mail them all the required documents to verify my identity and establish a file. A few weeks later I will get a letter basically telling me I don't exist and to contact Equifax XXXX. I am not from XXXX! XXXX and XXXX have perfect accuracy on my credit history but Equifax has caused me undo financial burden with this error as I have been forced to take loans with higher interest because better lenders require an Equifax report. In the past I have been denied housing and job opportunities as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until Jun 2022 700 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$590.00} written off. 
XXXX XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX XXXX account. $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
For Years beginning in the year XXXX, I had service with XXXX XXXX. I always called in my monthly payment and I was asked each time if I authorized payment. I then closed my storage and account. XXXX XXXX then asked if I would make another payment due to cleaning of unit was in dispute. I said NO you can not have anymore funds and that was the end of conversation and I hung up. Chase Bank then allowed money to be removed from my account. I opened a dispute as unauthorized and was given a temporary refund pending outcome of dispute.Chase then made a ruling in favor of XXXX XXXX. I contested this decision over the Phone with Chase Bank and 3 times now have been told that a copy of my authorization would be sent to my address. I have not received any documents to support their claims that I authorized payment. Each time I call Chase I get the runaround. I have suffered from this financial loss. This is theft and fraud. XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Please Help me get my money back. Thank You. My mother once asked what " Chase '' in Chase Bank stood for and I told her that " Chase is what you will have to do to get your money ''. I was right. Uploaded are Chase account. #. XXXX XXXX lease ( face sheet ). ( Note Could not upload )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 called TransUnion at XXXX. The reference number for the call was XXXX. The agent advised that they would escalate two recent unauthorized inquiries XXXX XXXX on XX/XX/2022 and XXXX XXXX on XX/XX/2022, for disputing. However, they insisted on mailing in identity verification documents and an FTC report, which have been attached for your review ; however, this should not be required. I called TransUnion, verifying my identity on the phone prompts. Subsequently, it was made clear that there was no authorized nor permissible purpose for the hard inquiries. The legal process should be that the hard inquiries are dropped if there is no authorization or permissible purpose found. It is the burden of proof of the credit reporting agency to identify these factors, not that of the consumer to prove that their identity was potentially stolen.

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 2023-09-12
Company: DISCOVER BANK
State: PA
Product: Credit reporting 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:
Following inquiries, were never applied to from me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
( XXXX ) Experien is using email to send weekly & daily information that is not wanted. in my previous XXXX related complaints ( XXXX filed XX/XX/2023 ), I asked for a paper copy of my updated Experien Report. Company has refused to do so. 

( XXXX ) I have requested not to use email to send me marketing information or others. Company has refused. Continues to send me massive amounts of email information that is unwanted and unnecessary.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-11
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XX/XX/2020 was not process with the bank in time. The intrest charge resulted in {$2200.00} in intrest. I paid the XXXX. The store card is XXXX XXXX which is associated with Comenity Capital Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payment for XX/XX/XXXX and XX/XX/XXXX. These XXXX payments were Initiated before the due dates but posted late due to XXXX delays. Capital One failed to correct the errors after my dispute. The incorrect payments should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Back in XXXX, I enrolled aXXXX XXXX XXXX XXXXXXXX University to major in XXXX. in XXXX. I was number # XXXX of my graduating class from XXXX XXXX XXXX High School with a 3.6 GPA. In the beginning, I was allowed to attend the school for free through merit, but I even explained to the school that both of my natural, birth parents were deceased, my mom died in XXXX  and I just went to court to determine who would obtain custody rights for myself. In XXXX, my brother 's father was granted custody of me as my legal guardian. Therefore, I should've went to school for free regardless! However, I was a scholarship student and I received a low grade in Public Speaking. From there, I was stripped of my scholarship at that time. Then I had to get student loans. Since that date until now, my credit as been jacked up tremendously and I'm unable to fully live the American dream. Now, years later, I'm still trying to undue all this mess. I currently work at XXXX XXXX XXXX XXXX since XXXX, so the majority of what's due should be paid down by me being a county employee under the PSLF. However, the date keeps resetting and is currently saying XXXX. I used to have the IDR plan, but I recently changed it to the SAVE plan. Documents I received from Mohela and what I'm being told is two different things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The last time XXXX XXXX reported account to Credit Bureaus was back on XX/XX/XXXX and havent reported any account activity since. Its currently reporting a balance of XXXX to all credit bureaus when thats not accurate. I only owe XXXX on account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Ref # XXXX 15 U.S.C section 602 A. Section 2. 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 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 non-monetary relief
Consumer complaint received 2021-04-17
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank card was fraudulently used and I filled out the fraudulently used papers I was finally sent after months of reporting the fraud. They finally sent papers I filed them out filed police report and sent back all paperwork and was told sorry no fraud was committed. When all the proof was there and I was told I would be reimbursed.a portion of my stolen money Within 10 days and was my money was never returned to my government account. My name is XXXX XXXX XXXX. My Ss number is XXXX. My address XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The Bank Is US Bank.

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 2017-06-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi I 'm XXXX XXXX. This was back a couple months ago in XX/XX/XXXX-XX/XX/XXXX. I was missing my XXXX XXXX  Card one day, I could of drop it outside or lost it. I found things charged on my card that was n't even mine. So I called XXXX XXXX  they told me I 'm sorry that someone bought or stole from you using your card. They offered a kind gester to waive all the fee 's so the women from XXXX XXXX told me well you have {$0.00} balance now, after desputing the charges. Also she was suppose to send me a letter so I can send back never got that. She also opened me up a new account. So after all this I was like, okay XXXX told me I do n't owe nothing and all the charges were disputed. I told her thank you for all the help and you have a wonderful day. So Wells Fargo Fraud or Debt Collections tried contacting me like 5 months later, and I got interest from them also. But they said oh your charges got denied. I was like why. He said because of transaction history and I knew that was n't why because I never used the card. So the person who stole my card used around {$300.00} dollars which XXXX said they waived it all and said I have a {$0.00} balance but not its like {$500.00} or more now coming from Wells Fargo. Then Wells Fargo was like we have no file on record saying it was waived or they said anything about that. So basically I 'm in a fraud debt, I do n't even owe. He also told me oh you can not right a letter for fraud either the Manager of Wells Fargo Fraud Team.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

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 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting 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:
They told me to contact the credit bureaus about the information with the Inquiries. I told them thats the inquiries are fraudulent and unauthorized 3 : capital one inquiries XX/XX/2023 XX/XX/2023 XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief