BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Credit Karma, LLC
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had traveled to illinois to buy a couch that allows my XXXX dungther to sit up and down on her on. This was a second hand purchase so the sell requested to be paid in cash. Once l got there.I tried to transfer the funds from my Credit karma savings account to my credit karma spending account to get cash out. I was unable to do it because I had already made six withdrawals per the Fed Reg D. I Was under the Impression the Fed Reserve had removed the requirment in XX/XX/2020, because my other bank allows as many as needed. oAfter looking into it I am still not seeing it has been reinstated. After I noticed the issue I called credit karma to find a solution to the problem and was told I had two options 1. ) wait until next month, which is not a possible option for me at this time or 2. ) Close the account and have the funds transferred to my spending account. I chose this option and was told by the rep that had been sent to the department to close the account and to watch my emails and then it would be done soon. I waited a half hour and still nothing it happened, so I called back and What is informed it would take about 2 to 3 hours, I was frustrated but there was nothing I could do about it so explain to the person I was buying the couch from and told him I would just wait in town for the couple hours, after waiting three hours still nothing I called back again and was told they could see it had been transferred and it would be any minute and not to worry. I was worried at this point because the only card I had with me was the Credit Karma card. I had to tell the lady I was not going to be able to purchase the couch so I was out my deposit and I was also out the money for the XXXX that I had rented. Not only that but because I had been waiting for so long my wife had no way of getting me any money considering I couldnt use my money that was on the card. I had to sleep in my car without any money for food or gas overnight. I replied to the email that the customer service representative had told me to reply to which wasnt an email I received after I called the very first time that said they were working on my issue. I got no reply I still havent. I finally decided to file a complaint with the company Credit Karma and shortly after I sent it I received in reply stating they were working on it. I am extremely frustrated and feel that this company is extremely out of line and should not be able to hold your funds. I might be misinformed about regulation D and maybe it has been reinstated, but even if that is the case I chose to have the account closed that should not be something that takes them three days to do especially after I had countless employees give me different timelines. Someone needs to provide answers and I need to be able to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: MS
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:
A few months back I requested my credit report from XXXX, Equifax and XXXX. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last four of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. XXXX charges {$24.00} for a credit file lock and that gets expensive also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is still showing XXXXXXXX XXXX on my credit report its been on my report for 10 plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also

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 2023-02-04
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is still showing XXXXXXXX XXXX  on my credit report its been on my report for 10 plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also

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 2023-01-17
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I noticed that there were 3 wire transfers out of my checking account to an unknown person named XXXX XXXX. With no knowledge of this person or any reason why money would be transferred out of my account, I immediately contacted Navy Federal 's customer service line, where representatives assisted me in filing a fraud claim over the phone, signing a fraud affidavit, contacting local law enforcement, and closing my compromised account. 

However, since XX/XX/XXXX, the only communication from Navy Federal has been the detail-less denial of my claim without any evidence or consideration. I have been repeatedly stonewalled by customer service representatives that do not who to refer me to, if anyone, where I seek information to properly get my money back. I have only received two communications -- one denying my claim without any context, and another denying my appeal without any context. Navy Federal Credit Union, its fraud team, and its customer service staff have been negligent in properly investigating the loss of my money in a fraudulent transfer, and have not helped whatsoever in the investigation by XXXX XXXX Police Department, nor forwarding any information that may assist me. 

Navy Federal Credit Union has all the information necessary to approve of my fraud claim and forward information to law enforcement in order to stop this fraudulent activity, and has clearly no respect for their customers. They have the banking information of my old bank account, including the time, date and account number of the fraudulent transfers, but I am getting detail-less denials that there was any wrongdoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and I noticed that I had unauthorized inquiries on my credit report that I do not recognize

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 2022-10-20
Company: EQUIFAX, INC.
State: KY
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:
FRAUD REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. This was already included in my prior COMPLAINT, and I'm including it again. 
Please validate this account : XXXX  XXXX XXXX .... Balance : {$560.00}

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 2023-02-04
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. The items I'm disputing are erroneous and fraudulent. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the XXXX items : XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX AV, XXXX, CA, XXXX XXXX XXXX XXXX Balance XXXX {$930.00} XXXX XXXX XXXX Balance XXXX {$900.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX balance : - XXXX XXXX BANK XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$220.00}

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 non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : # XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2022-10-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Synchrony Bank replaced my Amazon secured account with a store card on XX/XX/XXXX hours after I replenished my {$150.00} deposit. My access to that deposit was immediately restricted because the agreement was my deposit was to be refunded. When I first spoke to Customer service about my refund, I was assured a paper check was sent out on XX/XX/XXXX and should arrive within 15 days of that date. The check did not arrive. I called again on XX/XX/XXXX and spoke to XXXX as well as her supervisor requesting an electronic transfer. All of my payments had been made electronically. I was advised that this bank had no capacity to make an electronic transfer to me. After holding for more than 30 minutes for a manager I gave up. On a subsequent call connected via Amazon Customer Service, I was advised another paper check had been issued on XX/XX/XXXX and should arrive by XXXX. It has not.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Second complaint to Experian, and again I am sending a copy of the FTC report and my social security card and my Identification

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 2023-06-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To Whom It May Concern : I am writing to you today to file a complaint against Citibank , N.A . for charging me interest after I paid my balance in full and in time according to the terms of my credit agreement. 

On XX/XX/2023, I made a payment to Citibank , N.A . in the amount of {$13000.00} to pay off my entire balance. The due date for this payment was XX/XX/2023. I received a confirmation from Citibank , N.A . that my payment was received on XX/XX/2023. 

However, on XX/XX/2023, I received a statement from Citibank , N.A . showing that I was charged interest in the amount of {$160.00} on my balance. I was very surprised to see this charge, as I had paid my balance in full and in time. 

I have reviewed the terms of my credit agreement with Citibank , N.A . and it states that I will not be charged interest on purchases if I pay my monthly Citi Flex Plan Payment Amount plus my entire balance, excluding any Citi Flex Plan balances, by the due date each month. I met all of these requirements, so I believe that Citibank , N.A . is charging me interest illegally. 

I am requesting that you investigate this matter and take appropriate action. I believe that Citibank , N.A . is violating the Truth in Lending Act ( TILA ), which is a federal law that protects consumers from unfair and deceptive lending practices. 

I have attached a copy of my statement showing the interest charge and my credit agreement which is in the last page of same document. 

Thank you for your time and attention to this matter.

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 2016-01-20
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of XXXX XXXX , XXXX A/K/A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or XXXX of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by XXXX that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to U.S.Bank Trust, N.A. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from US Bank giving XXXX XXXX the Authority to dispose of these matters as it concerns XXXX XXXX XXXX XXXX XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank put my bank accounts on deposit only status an is not giving me any information about why an when I will receive my funds left in the account. This has been since XXXX XXXX per their deposit agreement this is unacceptable please in accordance with all applicable regulations regarding this matter please contact the bank and let them contact me or provide me with written instructions to resolve this matter please I dont have any levies or liens against me or my company associated with the IRS

Company response to consumer: Closed with explanation