BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate 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 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX XXXX 2022, I opened a savings account with Bank of America, N.A. ( BofA ) online. I answered everything asked for to the best of my knowledge. I also disclosed my dual citizenship ( XXXX being my other citizenship ) since this was asked about too. 
I was able to fund the account with {$250.00} from another account with another financial institution via XXXX while going thru their opening procedure online. 
I received an email confirming the account opening right after that and was able to log in online to that account for the first time. 
The next morning I tried to log in again online, but wasn't able to do so. 
The day after that, XXXX XXXX 2022, I noticed that the initial funding amount of {$250.00} was debited from my other account with another financial institution. Therefore, I tried again to log in again online, but wasn't able to do so. 
I called BofA to request a new password as I wrongly assumed I didn't enter it right. Since I didn't have my full account number, I was put on hold for someone from their " Fraud Department '' to answer my call.

After some considerable wait, someone answered my call and told me that my account was closed without giving any reason and was transferred to speak to someone else if I wanted my questions answered. The next person did not tell me my account was closed, but told me that I would need to go into a branch with a form of ID and my SS card in hand to verify my identity to access my account and my money. 
I did that the same day in the afternoon. After some more considerable waiting, someone in the branch was able to pull up my account information after they verified my identity. They told me that the account was closed and a check was issued. 
I left the branch anticipating a check to arrive in the mail sometime the following week. 
It took BofA until XX/XX/2022 to credit my other account with another financial institution for the same amount originally withdrawn. 
BofA sat on my money for one week, wasted my time, made me drive into town to their branch giving me the run-around and didn't even provide any explanation whatsoever as to why my account was closed. 
I suspect it might have to do with my national origin/dual citizenship, however I don't have any evidence for that other than the above stated facts.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Trans union has 2 collection accounts showing on my record which is hurting my score. They fixed one account and removed it but the have XXXX XXXX XXXX ( XXXX XXXX ) still showing a collection in the amount of {$1000.00} which is NOT TRUE! I have disputed this numerous times and even have the proof as to when it was removed between XX/XX/2023 and XX/XX/2023 due to their error! Now it is still back on my report showing as a a collection! This is hurting me from getting a vehicle in which I need very badly! They removed the other 1 because I sent in photos showing it was taken care of! This account needs to be removed!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: CA
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 Balance : {$79.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXX XXXX. Balance : {$6500.00} ; XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXX .... Balance : {$960.00} ; CALIFORNIA XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2800.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; CALIFORNIA XXXX XXXX XXXX/XXXX/202 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-03
Company: EQUIFAX, INC.
State: GA
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:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Total Card, Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am trying to close my account on a Total Visa credit card. 
I can't use it, balance is XXXX, alway get declined. 
I emailed them numerous times, leaving message in their XXXX page and customer service number is out of service or always busy line. They charge me {$6.00} every month as fixed fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the XXXX XXXX at a XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York. The organization has had a business bank account with Chase for over 15 years. During the last few months, we attempted to add XXXX signatories to the account. Because of multiple errors, incorrect information provided, and general incompetence by Chase representatives XXXX XXXX and XXXX XXXX at the XXXX XXXX XXXX location in XXXX, this did not get accomplished after XXXX in-person visits to ChasXXXX XXXX XXXX XXXX ignored all of my attempts to contact him regarding this matter. On XXXX, because of its own errors, Chase told us that it would close the account if we did not appear in person at the branch that day. We decided that we wanted to close the account and told that to XXXX XXXX. XXXX XXXX told me that the account was closed at that time but that we had to make another in-person trip to pick up the check for the balance. We agreed that we would do so on Saturday XXXX. When we got there on XXXX, we were told that more mistakes had been made by Chase and that the account would not be closed until Monday XXXX. XXXX XXXX agreed to close the account on Monday XXXX and to mail us a check with the balance. The account has not been closed and XXXX XXXX and XXXX XXXX have continued to ignore my calls and email. 

Chase also incorrectly put a hold on an escrow account belonging to our lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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.

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 non-monetary relief
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I, the consumer and natural person, was denied credit by Capital One when I applied for a credit increase. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Capital One due to the response I received. 

Capital One is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX Associated with 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.

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 2021-04-17
Company: Long & Foster Financial Services, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I applied for a mortgage with Prosperity Home Mortgage ( XXXX, GA ). I provided all financial documents requested and received a pre-approval for XXXX ( XX/XX/XXXX ) which increased to {$180000.00} ( XX/XX/XXXX ) .The mortgage consultant XXXX XXXX NMLS # XXXX requested that I try and have a late payment removed to increase my buying power, but other than that my scores were good with a range between XXXX. Initially I was not finding any homes I liked. After about 2 months in that changed and my realtor XXXX XXXX began putting in offers with the pre-approval from XXXX. In the beginning of XXXX, XXXX began asking questions that he asked in the beginning about my income and adding my husband to the application. With me having stronger credit I told him no to keep the application with just me. My realtor asked me to contact someone else she knew and had confidence in to possibly submit an application. After speaking with this gentleman he said it didnt take an application for him to know my DTI was too high and he didnt understand how XXXX was able to get the pre-approvals in the first place. I contacted another lender who said the same thing. After months of having the pre-approval, XXXX says he couldnt get me approved. XXXX has done a credit check 13 times. There are 13 inquiries on my credit report because of his negligence and total disregard for my credit history. I reached out and he said there was nothing he could do. He said the inquiries would not affect me but that was another lie. I have been denied credit due to high inquiries. The company he used XXXX was all that appeared 13 times. I was told a supervisor  would call and that never happened. I also filed a XXXX complaint and sent one in directly Prosperity and never got a response. These inquiries are unacceptable. There should be one at the beginning and one at the end of the process depending on how long it took to find a peppery to purchase. The entire process was negligent on his behalf and very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$25000.00} ). Its been over 45 days and TransUnion havent respond to my request as theyare required to by the Federal Credit Reporting Act.

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 2022-11-11
Company: U.S. BANCORP
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:
You offered me an opportunity to explain my XXXX late payment with Elan Financial Services, but with no satisfaction you reported everything was accurate. 
I did have issues with my wife with the XXXX XXXX XXXX, around the time that my payment went past due. 
I was out of town and could not take care of it. 
I would like to take advantage of your kindness, to remove negative reporting from my credit bureau file. 
I tried to talk to a representative, but they would not accept my reasons for late payment back when this occurred. 
Please check my record, I have never been late, that is the only late payment that I have on my record. 
I would appreciate if this can be removed as soon as possible. Thanking you in advance. 
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 2022-02-09
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discover credit card offers consumers a way to see if they are pre-approved for a Discover credit card via Discover 's website. Discover allows consumers to check their pre-approval status once every XXXX days. Each and every time I seek pre-approval, I am denied because of " the number of recent inquiries. '' Despite a fair credit rating with a XXXX XXXX of XXXX, according to the credit data pulled on me by Discover on XXXX XXXX, 2022, I am still being denied because of " the number of recent inquiries. '' It is my belief that Discover is intentionally discriminating against me, and potentially other consumers, for seeking credit -- credit related to housing, automobiles, XXXX XXXX and any other form of credit. This is not only discriminatory but an unfair and deceptive lending practice by Discover ; Discover is knowingly and deliberately telling consumers that we need good credit to apply for and be pre-approved for their products, but we must not apply for any credit because applying for credit creates an inquiry, which according to Discover, too many inquiries is grounds for denial of credit. Such a model of lending and denial of credit is unfair and deceptive. How are consumers -- how am I -- supposed to obtain credit if I do not actively apply for credit and subsequently maintain credit? Discover is expecting the impossible of consumers with their unfair demands that we do not apply for credit. The numbers of inquiries on a credit report in no way reflects my ability to repay my credit obligations. In fact, I can not have any credit obligations unless I actually apply for credit which in turn requires a hard inquiry on my credit report from credit card companies such as Discover. Discover is engaging in unfair and unrealistic lending practices, especially when no human has even reviewed my pre-approval application for a Discover credit card. Furthermore, my XXXX XXXX alone, even without human intervention, demonstrates that I am creditworthy enough for Discover. It is unfair and impossible for lenders like Discover to expect good credit and then penalize us for applying for credit in order to maintain the good credit they require. Even after the online notification that Discover can not pre-approve me for a credit card, they still " invite '' and " encourage '' me to apply for their credit cards, which is also misleading and deceptive ; if they won't pre-approve me because of " too many recent inquiries, '' then they should not misleadingly and deceptively encourage me to apply for their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TransferWise Ltd
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi, Hope your doing good I tried to register a business account with Wise as i have a registered company in United States along with verified XXXX. 
Wise for some unknown reason deactivated the account. When we tried to call them they said nothing about what causing the issue. I would need a business account with Wise to get paid from my clients. 
I also tried sending an appeal but couldn't do that because at that time Wise had already closed th account. 

I will definitely provide the necessary details in order to resolve this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I paid to stay at XXXX XXXX XXXX on XXXX XXXX. in XXXX, TN for a month. There were many problems with the hotel. One of the main problems was the cigarette smell. I already told the XXXX that I had XXXX and needed to be in a quiet and nonsmoking room. I also said I needed a room on the ground floor due to a XXXX  injury. I accepted the room on the third floor because the room had already been paid. However, a few minutes after taking all my belongings from the parking lot to the XXXX floor in XXXX trips by car, I noticed the strong smell of smoke after the doors had closed. I also noticed many other things. I wanted to leave when i started having XXXX and became ill. It was not until the morning of the XXXX of XXXX that i was able to physically leave. On the XXXX of XXXX I filed a dispute with Regions because the management said they do not give refunds ever for any reason and no exceptions. On the XXXX of XXXX, today, I was told on the phone that my money would not be refunded. I stayed in the hotel for two days, in which time I was very sick because management did not listen to my requests. I should not have to pay for this hotel. I paid {$1600.00} and I need my money back. I have suffered a lot due to XXXX XXXX XXXX and Regions. At this point, me and my son are XXXX  with no money at all. In addition, regions is holding money from my son for no reason at all and have given both os us a really hard time and made false accusations against both of us in the process. I feel tremendously XXXX  profiled and XXXX  against.

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