BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Rent payment was supposed to be debited from account and was declined saying insufficient funds. I called Chime and they advised me of the process to unlock my account. I followed the steps including allowing access to my account remotely and them instructing me to transfer the money out and that it would be transferred back in in an hour. I called back in 1 hour exactly when finds not transferred back in. They advised me that I didn't call them and filed a dispute and the next day denied my dispute and said it wasn't their fault. I called the support number on my card and verified my account with all 3 people I spoke with. My rent money {$970.00} is gone and I am now facing eviction and they are not taking responsibility for fraud at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: TN
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:
accounts opened without authorization

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 2023-05-09
Company: Experian Information Solutions Inc.
State: PA
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 reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00}

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 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
accounts open fraud. contacted companies and credit reporting agencies and to no prevail. sent letters and proving my correct identity. filed police reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: DISCOVER BANK
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Theyre holding me accountable for the charges that were fraud even though Im providing all the documentation such as police report and all other complaints I have made in regards to this issue and my identity theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citibank allowed debit card transactions to overdraw my account. The problem started on XX/XX/2023 and, since then, they have allowed 7 transactions to post causing {$110.00} in overdrafts. There are still 3 pending transactions totaling {$19.00} that will further overdraft my account. I called Citi on XX/XX/2023, and was told that Citi has a software to decide what accounts they allow to have debit card overdrafts. I'm not sure why this is their policy, but maybe since they did away with overdraft fees, they have to make money somehow. 

The purpose of a debit card is to act like a credit card. Why would a bank allow debit card overdrafts based on some arbitrary formula that is not known to the customer? It seems like a scam to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To whom it may concern, My name is XXXX XXXX ( full name : XXXX XXXX XXXX ), I am a resident of California with a permanent address in the city XXXX, CA XXXX. 
I am a victim of identity theft, someone from another State ( Texas ) have been using my social security to apply for credit cards and loans. 
I have Identity Theft Protection with XXXX XXXX, I was alerted with the below activities. 

I filed with XXXX report # XXXX filed on XXXX, and sent certified mail to the following institutions : Equifax XXXX XXXX XXXX for fraudulent credit cards applied under my name. identity I did not make the charge ( s ), I am requesting for an immediate investigation, and requesting that the item ( s ) be blocked to correct my credit report. 
Below are the credit cards applied and using my identity under an address from Texas and I believe under CFPB : XXXX XX/XX/21 - CFPB XXXX XX/XX/21 - CFPB -XXXX  XX/XX/21 - CFPB XX/XX/21 XXXX  - CFPB XX/XX/21 XXXX - CFPB XXXX XXXX account # XXXX open XX/XX/21 account closed XX/XX/21 Service address/ Billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All of the above cards and loans, applied by an individual from Texas addresses below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Appreciate your help. 
Sincerely, XXXX XXXX Tel XXXX  ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past month I've been trying to get my personal information corrected with Experian, this agency has the wrong information and no proper tools to help me fix my problem. IN turn, XXXX  has my credit listed at XXXX, but Experian keeps bumping out my request for the free credit information reasoning issues that are never explained. 

I did contact their support via email, they sent me to their on line app that refuses to accept my documentation although I am sending only PDF 's and for less than 15 MB - the app keeps telling me that there not PDF 's or is more than 15MB. I called their XXXX number, there is NO WAY I can get a LIVE person to talk, the menu keeps looping me within the menu options without any chance of solving my problems. 

I need to just have my personal data revised and properly updated so I can have my Free Credit Report copy! 

Thank you!

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 2022-01-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
i use paypal for recive money from customer ( my website service XXXX XXXX XXXX XXXX  XXXX since XXXX XX/XX/XXXX my paypal account permanently limited i try to read " PayPal Acceptable Use Policy '' https : //www.paypal.com/th/webapps/mpp/ua/acceptableuse-full but i still have no clue what am i doing wrong i think my website are legit and this might be automated suspensions faulty. 

this not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I enrolled in Bank of America 's Pay Plan XX/XX/XXXX. They debit 26 biweekly payments from my primary bank account and apply those payments on the first of each month to my balance.

This month, even though they are holding {$1700.00} in debited funds, they have not applied it toward XXXX 's payment. 

I have contacted them on 3 separate occasions. The first, on Wednesday, XX/XX/XXXX, the customer service representative said she was able to apply the funds and it would be reflected on my account within 48 hours. However, the payment is still outstanding and the funds have not been applied. 

I called back yesterday and waited on hold for almost an hour. They were unable to apply my payment. As of this morning, there has been no progress on making my payment. 

I tried making a manual payment on their website, but they wanted to charge me a fee due to late payment, even though I'm a month ahead on my mortgage payments.

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 2021-05-28
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I wrote a check on my account at KeyBank to XXXX by XXXX for a window replacement in my home. When I saw the replacement later that day, it was shoddy. On XX/XX/XXXX at XXXX am I went to KeyBank and stopped payment on that check. That was check # XXXX in the amount of {$7600.00}. The bank sent me a written confirmation that they had stopped payment on the check within a few days. I also informed the window company that I had stopped payment on the check. They nonetheless presented the check for payment several weeks later and the bank paid it. I have spoken with several people including the bank manager at the XXXX XXXX of KeyBank. Today I received a notice from the Key Bank Adjustments Department stating that the bank credited my account in the amount of {$.00} in this matter. Apparently they stopped payment on a check for {$7600.00} and not {$7600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: Paypal Holdings, Inc
State: CA
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 decided to make a purchase of some dresses for my wife and used PayPal for payment.The seller told me that I will receive my order within 2-6 days, now is telling that I will receive it no less than a month or 45 days. accidentally l checked the invoice the shipment coming from XXXX XXXX it is an XXXX store. I can not wait so long for several XXXX products.so I am disputing this transaction, I don't like lying. And I do not want t pay for a products that I don't wear. Just in the invoice please check the website but I was told that it is a local store a little far from XXXX  XXXX of all the seller send the shipment after I made a dispute. My wife ordered from the seller some goods like clothes etc. from website https : //envofashion.com where the average price is {$50.00}, I paid {$370.00} Calculating I supposed t get 6-7 items and I supposed to get a medium or big box, instead I received an envelope 7 by 4.5 inches where the seller could fit no more as a postcard. The seller decided to send something via USPS and through tracking number USPS can decide that I received the shipment and Paypal closed the case to seller 's favor. Please ask the seller how much is the weight of the envelope.Just in case I attached the envelope to compare with XXXX size paper.The envelope came from XXXX, GA. Also the shipment came from a company XXXX XXXX, I googled and found their XXXX page https : //www.facebook.com/search/top? q=Jewelry % XXXX where they sell jewelry and whatches worth $ 10-20.couple of those could fit in the envelopei paid XX/XX/XXXX the shipment appeared on XXXX after i started the dispute and i am not sure what is in the shipment. if it is what i ordered i will cancel the dispute. Theseller reported somg government agency. I am requesting from Paypal and the seller to provide me any type of explanation to what was in the envelope, otherwise the seller 's only response was Tracking info provided by XXXX XXXX XXXX which is I XXXX Shipped by Other .And the buyer received the shipment, which is an envelope. Not PayPal not the seller don't provide me with any serious information to response, only threatening that there is a report somewhere. But in reality this is becoming internet fraud, because paying {$370.00} and getting an envelope with a postcard where PayPal is involved too, because the transaction was done through PayPal, which is reviewing seller 's information two weeks, usually it takes 5 days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX 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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX did a hard inquiry on my transunion report. I tried calling and since I don't use them automatic phone system won't give me a operator since i dont have a cc number to enter. So I emailed them saying the inquiry wasn't me. No reply back. 

Next I contact transunions to report fraud they told me nothing they can do by phone. All complaints must be mailed in and can take up to 90 days to review and reply. Which is crazy if a credit card been issued in my name to someone. 90 days is too long to shut down this fraud.

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 2022-08-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has failed to send requested documents, such as a statement stating that they was aware of the car location. Once the statement is enclosed with the fraud affidavit I will sign it. Your company was aware that the XXXX XXXX Police Department found the car and it was available for pick up by XXXX XXXX immediately. XXXX XXXX failed to pick up the car from the XXXX XXXX Police inbound @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Your company also release the title to the car to XXXX XXXX for Lien sale of the vehicle by the XXXX XXXX Police department tow yard. 

Please explain why your company was not interested in the vehicle and you allowed the lien sale and still trying to collect the debt from me. 

Once again I will sign another affidavit once I receive the statement above.

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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had XXXX chase accounts and my account was being garnished for a debt which was on my personal account. Following that I had deposited a check from my car insurance for car repairs in the amount of about {$2100.00} from XXXX. The check cleared and chase froze and closed my joint account. Following that my personal account was cleared for garnishment and and I have a total of {$380.00} of my personal money that I can not access. Chase has tried to get signatures for the check from my lender by calling and the lender will not answer my car is no longer in my possession due to repo and I explained that to both XXXX and chase no one will budge and give me my funds. This has gone on long enough. Ive complained before got a case number and still have yet to hear anything back from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX, I paid off my credit card with Capital One online, an amount of roughly {$10000.00}. I was told that I had a pending charge of {$23.00} on XX/XX/XXXX, so I spoke with a representative to pay the balance off, and I was told that my account was paid-in-full and there were no additional charges/fees.

On XX/XX/XXXX, I received a notification from Capital One stating that I have an interest charge of {$41.00}, even though I was told there were no additional charges/fees on my account. I spoke with a manager, and I was told the charges were applied because of residual interest charges, and the charge would not be waived. I explained that telling customers their accounts are paid-in-full and then applying an interest charge after the fact is misleading and not a good business practice. Supervisor responded by saying the charges will stand. 

I was a customer of Capital One for well over a decade, and this is how I was treated. I was given misinformation, and the company couldn't understand their wrongdoing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2021-06-06
Company: Debt Recovery Solutions, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items listed on my credit report. Its been well over 45days and I still have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent out a letter on XXXX advising the company to verify the verified accounts that they had on my file and I advised the company they had 15 days to do so and they have failed to send any supporting documents

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