BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a {$1000.00} payment to our discover account credit card over a week ago. Today, the account still doesn't have the proper balance updated along with the proper credit being updated. We have called the Discover Bank about 10 times in one day. Every time resulted in us getting hung up on mid way through the call. The representatives are very unprofessional. They are saying I won't be able to access the credit for the payment until another 8 days. This is ridiculous and doesn't make sense. They have already takened the money out of my account but won't confirm with the bank that my payment has already cleared so they can un-lift the available credit. Quite honestly Discover has taken my money and isn't acknowledging my credit for it. We are being dicked on side ways by this company and feels like we have no help. It appears I we will need to elevate the our concerns any way we need to get this issue resolved ASAP. We are also closing our account with discover afterwards and I am also looking into law suit possibilities. I want someone help accountable for this unprofessional act. I am not done with them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: FIRST FINANCIAL BANCORP
State: IL
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:
ONLINE PUPPY SCAM STILL UP & RUNNING : XXXX robbed me of two bank transactions. One for {$950.00} through my XXXX XXXX XXXX and XXXX XXXX  in XXXX XXXX, IL XXXX Account XXXX Transaction ID XXXX and another for {$610.00} XXXX Transaction ID XXXX to a XXXX XXXX XXXX XXXX Account email XXXX I have over 90 emails between him and I with fake shipping receipts from ( check it out ) XXXX in which I was given the Tracking # XXXX telling me my puppy as at the airport and asking for more money, and I also have my telephone logs, etc. The Online Puppy Scammer 's bank account is with : FIRST FINANCIAL BANK, XXXX XXXX XXXX, XXXX, IN XXXX telephone XXXX I WANT MY MONEY BACK. I AM A XXXX XXXX ROBBED OF AN EMOTIONAL SUPPORT ANIMAL DURING THIS PANDEMIC. THERE GOES MY STIMULUS PAYMENT! HELP, PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: LFG Data Services Holdings, LP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today XX/XX/2019, I tried to access my EquiFax account to un-freeze my account for a short period. I spent 2 hours trying by both logging into my account, updating passwords and information and calling direct for help but .... In order to speak with a customer support person I had to 1. ) give them a cell phone number 2. ) my social security number. 3. ) answer two security questions and 4. ) answer questions from information generated from my personal credit report. After successfully answering the questions the recorded voice came back and said the customer service rep could not help me and to send my requests in writing to them. 
I have never had to give any personal info to any company in order to just talk with a customer service person. 
They advertise you can freeze and then unfreeze an account online but after several attempts to do so it seems like they don't want to talk with me. Try it yourself. 
I could get into my account and update my personal info but could not unfreeze my account for an hour to let a car dealer check my credit. 
Please do something about Equifax as they seem to be saying one thing and in reality their software, phone access is not as they say.

If one does not have a cell phone then you can not access customer service help. Their unfreeze software does not work even though I can access my account, update personal formation etc ... It seems they don't allow access to freeze and unfreeze actions. 
Help us with these credit reporting agencies ... ..especially EquiFax ... 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my Citi XXXX checking account some time in XXXX XXXX, and received an email confirmation on XX/XX/XXXX. I had been trying to close the account all week, but there was no option to do so online, and I had spent hours on hold during several occasions trying to reach a representative to do so. When I finally spoke with an agent to request the account closure, I was concerned I'd get hit for the {$100.00} fee for having a balance below the minimum. When I explained that to the agent, she assured me that the fee would be waived if it did hit the account because she understood my intent had been to close the account prior to having the fee assessed. 

I then began receiving overdraft messages stating that I owed the {$100.00}. I tried calling several times and finally reached an agent today ( XX/XX/XXXX at XXXX ). She explained there was an error in the way they closed my account that caused the fee to hit my account. She suggested she would fix it by mailing me a check for the {$100.00} so I could come to a branch and pay off the overdraft. I explained it was ridiculous to send me a check for money that doesn't belong to me just so I can go to a branch and pay it back. She saw my point and agreed to get a XXXX on the phone. I waited on hold for 45 minutes to speak with a XXXX, who then explained that my account had not been closed when I called because the call ended without their reading me disclosures. I don't remember the call ending abruptly, and do believe they read disclosures. The XXXX went on to explain the 1st fee did get waived, but the fee that caused the overdraft was for the following month because my account had not been closed. Again, she provided a solution of sending me a check that I could bring to a branch and payoff my overdraft. After once again explaining how ridiculous of a solution that was and that I planned to submit a complaint to the CFPB, she finally offered to send an email to backoffice to reverse the fee instead. 

I don't believe she will actually do it, so I am submitting this complaint to insure my credit bureau score is not impacted negatively by this. I also don't believe that my account had not been closed after my request because they didn't read disclosures. If that had been true, the account would not have gotten closed the following month either. Seems obvious that someone discovered that the account had not been properly closed when it should have been and fixed that, but forgot to also fix the fact that fees were hitting a " what should have been closed account. ". This is a ridiculous amount of incompetence for a major 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 monetary relief
Consumer complaint received 2018-05-31
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have CITI credit card since XX/XX/2017 and I've been on good standing by using it since I opened it ... it was my main card and I was using it a lot because I had an offer for no APR for 9 months and % 3 cashback and I was shocked before a couple days ago while I tried to make a purchase and it didn't go thru and i called the creditor and they told me that my card has been closed for delinquency!!!!! and they took my reward and refused to give it back to me ... i disagreed this over and over but no solution

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 2019-08-29
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I would like to notify you about a problem that occurred today regarding one of XXXX 's billing contractors, specifically " State Collection Service , Inc. '' which is located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The corporate office has a website and several toll-free numbers XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX. An employee of State Collection Service, identifying themselves as " XXXX XXXX '', was using a WA State phone number XXXX to collect payments ( in my case - in error - no money was owed ) today. Unfortunately, XXXX XXXX decided to record and use the robocall from the XXXX XXXX XXXX XXXX office as her own Caller ID/ Announcement to entice XXXX customers supposedly owing money to pick up their phone. While it was an ingenious idea on the first day of school in the district ( to make parents think their child was in trouble or sick on the first day at school ), it was also clearly illegal IAW both WA State and federal law, specifically The Fair Debt Collection Practices Act which prohibits debt collectors from " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' If State Collection Service , Inc. tries to deny the allegation, it should be reminded that the collection agency is often not the only party on the line recording phone calls - many consumers, like myself, do it now for their own protection. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone has hacked into my email, they have hacked into my accounts, used my cards for their own purchases, and now I have tried to open up a chase card and my name. I was laying in bed and received a hard inquiry on my credit report coming across my phone. I am in bed and have not applied for a Chase credit card whatsoever. I have contacted my credit card companies and had to report fraud and had to replace my identity at the XXXX. I need to take it on my credit report immediately this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: DC
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 SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-26
Company: SUNTRUST BANKS, INC.
State: SC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
CD Issued XX/XX/XXXX for 1.35 % annually. CD for XXXX. XXXX percent time XXXX is XXXX interest. The CD matured at XXXX. Short XXXX. I called them XX/XX/XXXX and they have not returned a response. I called today, and got no where. CD is with SunTrust Bank, XXXX. XXXX XXXX XXXX, TN, XXXX. If they short every consumer then they make a lot of extra money. 

I do not have a scanner to I can not upload the documentation.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 disputed a collections account on my credit report that is not mine. I uploaded documents showing information from the supposed creditor that I do not owe anything as they do not have me on their records what so ever. I have proof I have never left Florida. The debt collector doesn't even have my correct address or spelling of my name but they keep saying the information is accurate and the debt is mine. If they did proper investigating they would find I have nothing to do with this collection and it is fraud. There are tons of complaints from others on XXXXXXXX XXXX  stating XXXX has done the same exact thing to them.

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 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I deposited {$1900.00} cash into the atm XXXX at XXXX pm ... The atm screen showed there is a problem with the atm and the transaction can not be counted and the money can not be returned. It then showed a screen to manually enter the amount of deposit. I entered {$1900.00} and hit print receipt. The receipt only showed {$300.00}. {$1600.00} is missing. I immediately went to the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who started a claim # XXXX with the atm vendor by telephone at the XXXX with XXXX XXXX XXXX at the telephone # shown on receipt that states we created an issue record that will be attached to your transaction. It has been 13 days and they have not resolved this claim. The atm should have been counted the next day and receipts checked. This issue should have been resolved immediately. As of today I have a temporary credit of {$1600.00} in my account which I am worried will be removed at any time because they will state the atm was not over {$1600.00} in cash on that day.

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 2022-04-30
Company: Experian Information Solutions Inc.
State: FL
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 my rights have been violated. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have late payments listed on my credit report from XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Credit Corp Solutions Inc.
State: IN
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:
Sent letter to company to validate alleged debt on XX/XX/XXXX. Company reported to credit bureau account was accurate dis regarding laws on XX/XX/XXXX I am filing a complaint regarding the verification process of a debt, noting apparent violations of the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 623, along with the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312. The verification of this debt seems to have disregarded FCRA regulations, and there have been clear violations in reporting inaccurate debt without proper verification as mandated by these sections. 
Under FCRA Section 611 ( 5 U.S.C 1681i ), I am entitled to a proper investigation into the accuracy of reported debts upon request, which, in this case, was not adequately fulfilled. Furthermore, FACTA Section 312 emphasizes the accuracy and integrity of information reported to credit bureaus, requiring diligent verification to prevent inaccurate reporting. 
This failure to provide requested information and validate the debt raises significant concerns about compliance with FCRA guidelines. Non-compliance could result in misleading and unjust repercussions on my credit standing. 
I urgently request immediate action to rectify this matter. I will attach the original documents I provided for your review. According to FCRA Section 611 ( a ) ( 7 ) and FACTA Section 312, inaccurate information must be promptly corrected or removed from the credit report, and any debt found to have violated verification requirements should be dissolved.

I implore swift resolution in alignment with these FCRA and FACTA statutes to ensure fair and accurate credit reporting practices are followed. If you'`re unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity. 
Sent to Credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Debois, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I financed a car from ABC MOTORCREDIT and was financed buy DBS FINANCIAL. I was charged a down payment of {$500.00} which is illegal according to the truth and lending act. The finance charge is the sum of all charges. There are multiple violation on my contract. The car was repossessed and Im currently being taking to court. I would like my down payment back as well as the total sells price and the fee schedule for the violations committed : 15 usc 1692h 15 usc 1601 15 usc1611 15 usc 1691c 15 usc 1692 15 usc1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Based on the balance on my account, Chase intentionally processed higher transaction expenses first so that it will be able to charge overdraft fees for insufficient funds. 
On XX/XX/2023 I was charged 3 separate overdraft fees of {$34.00} each, totaling {$100.00} On XX/XX/2023 I was charged 2 separate overdraft fees of {$34.00} each, totaling {$68.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 2 separate overdraft fees of {$34.00} each, totaling {$68.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} I spoke to XXXX about the excessive overdraft charges on XX/XX/2023 and asked to speak to a manager, who also refused to refund the fees. Chase knows that I have been a customer with them for many years and always have income coming into the account. Yet the little income I make, Chase also takes it with its overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason, I used that PayPal for long time and I still have balanced on that account and XXXX need to to help my needs. My account is XXXX XXXX

Company response to consumer: Closed with explanation