BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
On XX/XX/XXXX, I came into contact with people claiming to be a branch of the XXXX XXXX. The man I talked to identified himself as XXXX XXXX, phone no. XXXX. He claimed that I have been approved for a loan of {$2000.00} and would place the money in my checking account at the Bank of America. However they said that they required my bank account information and they would put some money into my account and if I sent it back, then I would receive the {$2000.00}. They did put over {$1400.00} in my account. I should have realized then but did not know that that they had done it fraudulently by writing checks from companies or organizations that I had dealt with. They told me I had to send the money back using a XXXX XXXX XXXX. Stupidly, I did that, but then they said that something went wrong and I had to do it again. They put more money in my account this time {$1400.00} from a religious organization I belong to. This organization had previously reimbursed me with a check for about {$15.00} from the XXXX XXXX XXXX and that is how the fraudsters had banking information about this organization. At this point, Bank of America suspected fraud and closed my checking and savings accounts. The money in the checking account including the {$1400.00} from the religious organization remains frozen. I have requested that the money be released so that I can return the money to the religious organization. I have informed the legitimate XXXX XXXX that someone impersonated them The XXXX XXXX assured me that they did not know who committed the fraud in their name.

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 2023-02-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX I paid {$990.00}. on my Chase Visa card to XXXX XXXX XXXX for a tour to take place XX/XX/XXXX. 
XXXX XXXX XXXX sent email saying theyre going out of business. I immediately filed a claim with Chase attempting to get my money back. Their response was too bad but no because too much time elapsed since purchase. I appealed the decision to the Executive office last month. I received a voice mail response again saying no sorry cant help you. 
Meanwhile in XX/XX/XXXX I received a XXXX report saying the company is insolvent. 
There is a significant on-line presence of other travelers also pursuing refunds from their credit card companies. Some of these folks are receiving a credit from Chase and I want to be one of them! 
Please help me get my {$990.00}. back from Chase Bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan with a mortgage company called XXXX mortgage and it is a cash out refinance. The title company called XXXX XXXX situated in Tennessee sent the pay off for my older loan with Caliber Home Loans on XXXX XXXX. They confirmed the account number and routing number to which the payoff to Caliber Home Loans was sent and we also got an a call with the customer service department of Caliber Home Loans to confirm the account details. Title company has a confirmation from their bank that the wire has been sent but Caliber Home Loans says they haven't received it and every time I have to speak with a new agent who makes me go through the whole process again of explaining the details and they are not looking into this issue. I am very concerned at this point as I am not getting appropriate help from my title company XXXX XXXX as well as the previous lender Caliber Home Loans to solve this issue. 

I am not sure what could be the next steps for me as my credit report now shows 2 loans for the sane house now and will have to do 2 payments for no fault of my own.

Customer service is useless for me as of now and also none of the title company or mortgage company is helping me even trace the wire or letting me know what the next steps could be to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX I purchased on my Costco Visa Credit Card 2 tickets from XXXX XXXX, Fl. to XXXX, XXXX XXXX departing on XX/XX/XXXX and returning on XX/XX/XXXX. The total for both tickets was {$5300.00} for each ticket ( {$10000.00} for both ). 

XXXX canceled the flight due to COVID. In fact XXXX XXXX would not even allow US travelers in the country on our travel date of XX/XX/XXXX. 

https : //za.usembassy.gov/health % e2 % 80 % afalert-lockdown-extended-updated-u-s-embassy-pretoria-XXXX/ On XX/XX/XXXX, the government of XXXX XXXX announced an extension to its period of lockdown for an additional two weeks until XX/XX/XXXX. The lockdown measures were implemented to limit the spread of XXXX. 

In light of the fact that the flights were canceled, and in accordance with XXXX 's stated refund policy ( see below ), I requested a refund for the flights that were canceled. 

The refund policy when XXXX cancels the flight is as follows : XXXX XXXX XXXX   Can I request a refund if my flight has been canceled or significantly delayed? 
In keeping with our longstanding policy, if we cancel or significantly delay a flight ( delays or schedule changes greater than 90 minutes ),  we will first attempt to rebook you on an alternate flight, if one is available. 
If we can not find an alternate flight and we cancel the reservation for you, or if you choose to cancel the alternative itinerary we have selected for you, you have a couple of options : An eCredit for the value of the ticket, which can be used toward future travel through XX/XX/XXXX ; or If you prefer, you may request a refund to your original form of payment. 
I requested a refund, XXXX indicated they would do complete it, and after months they failed to do so. 
This refund I am seeking is in accordance with XXXX XXXX policy. 

There are class action lawsuits against XXXX regarding their failure to comply with their own policies. https : XXXX My complaints are with the Citibank Mastercard dispute department XXXX which provided me with a credit but did not allow the credit to become permanent, and with XXXX XXXX . XXXX promised me a voluntary refund, and, contrary to their stated policy, refused to give it. 

When I was forced to submit a credit card chargeback, they contested the chargeback and refused to allow the temporary credit on my credit card statement to become permanent.

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 2023-11-07
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is my second complaint, COMPLAINT NUMBER XXXX. 
I JUST WANTED TO ADD THIS TO THE COMPLAINT. TODAY IS DAY 10. CASH APP GAVE ME A SELF IMPOSED TIME LIMIT, AND TODAY IT IS UP. DAY 10. I NEED ACCESS TO MY MONEY, AND IF THEY NEED MORE PROOF OF WHO I AM THEY CAN COME OVER FOR TEA OR DO A DNA TEST. NOBODY, NO PERSON DISPUTING ANY TRANSACTIONS. CASH APP CREATED A FAKE DISPUTE, JUST TO COLLECT THE MONEY AND NOW HOLD IT, MY ACCOUNT IS FROZEN. I DEMAND A FULL NOTICE OF SOCIOLOGY POSTED ON MY CASH APP, SO FRIENDS AND ASSOCIATES CAN REGAIN FAITH IN ME. THIS HAS BEEN DAMAGING TO ME AND MY CHARACTER. I WANT A FULL FLEGED APOLOGY IN WRITING, AND I'D LIKE TO KNOW THE ANSWER FOR WHY THEY DID WHAT THEY DID TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In accordance with the fair credit reporting act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 Section 602 A. States I have a 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.

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 2022-07-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had been trying to to contact Commenity in XXXX but had trouble with the website. My bill was due on XX/XX/XXXX. I had try to contact that by bill would be delayed beforehand. I sent my bill in on XX/XX/XXXX to pay {$1500.00}. The website was down. After processing they had charged me a late fee and also out of nowhere reduced my credit limit to below my balance, lowering my credit score and causing an additional host of problems. The company has been unreachable and website has been down for weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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

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 2022-12-28
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have submitted my XXXX XXXX XXXX XXXX application on XX/XX/2022 to Mohela ( who is my servicer for my loan ) and it says it is processed but I don't see or hear any actions that are taking place on my account. I have tried to contact them but they don't respond. Could you please help me get my XXXX application processed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-05
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
While being a customer of XXXX years I have tried my best to get my late payment removed because during the time I had XXXX and I also was struggling financially. I have reached out numerous times to contact a representative to see if I can get a deferment and was denied the option that they allowed customers to use if they experienced any problems with XXXX but instead I was denied. Even after contacting those that are part of the financial team or even the members that represent this company all they could say was they reported it accurate and not even understand why I had one late payment hat I even paid for once I was able to get myself together. The amount was {$130.00} and was credited as late as of XX/XX/2022. These were the actions that I had taken, to reach out numerous times to explain my situation and a goodwill letter after the fact of me paying. I don't want to dispute it but rather the mark be removed due to the situation I was going through at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: GA
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 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 2023-06-23
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
MY complaint : Experian continually gives unauthorized access to my credit report with other consistent violations of the Fair Credit Reporting Act As a direct result the information in my credit report is less than fair, true or accurate. As a direct result any extra information submitted by the consumer is given to the furnisher of the inaccurate information to update that furnisher 's reporting to coincide with the consumers self-reports. 
Please NOTE : all other subject matter of a disputed item is unaddressed. 



I received a message from Experian stating : 1. Your dispute results are currently not available online ==== I have not received the results of the dispute. 

2. AS YOU REQUESTED, THE RESULTS OF OUR INVESTIGATION HAVE BEEN SENT TO THOSE ORGANIZATIONS THAT REVIEWED YOUR REPORT. 
====== I never made such a request. ( Quite the contrary I stated DO NOT share any documentation or evidence I submit or have submitted with any outside parties -- & the agencies listed that reviewed my credit report DID NOT have my consent- ) According to the Fair Credit Reporting Act, the dispute process is to review the accuracy and completeness of any disputed item. I have requested when contacting the furnisher Do NOT share the details of my complaint with the furnisher of the information or vendor that collected the information from any source. DO NOT disclose any information I have submitted regarding the dispute. 

I have requested a copy of Experian 's processing i.e., a copy of the review and consideration of the dispute. ( with every dispute made to Experian I follow up with a request for the report - I never receive this report ) I reported that the furnishers or vendors response to dispute inquiries does not use the information for the purpose intended and I do not consent to my extra submissions and/or documentation being shared with the furnisher or vendors reporting to Experian. 

I DO NOT RECEIVE A FULL ACCOUNTING OF PROCESSED DISPUTES.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-30
Company: URS Holding, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX over the phone at ( XXXX ) XXXX, a person named XXXX contacted me about a debt for a person that is not me, XXXX even admitted that it was not for me once I verified just my year of birth. The company refused to identify itself as a debt collector insisting on it being a personal financial call. 

They contacted me before XXXX XXXX. 
They contacted me for a debt that was not mine. 
They have refused to identify themselves as debt collectors and instead lie and say its for a personal financial call.

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 2022-06-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry : experian XXXX XXXX XX/XX/22 Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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

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