BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 non-monetary relief
Consumer complaint received 2023-07-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2023, I received a fraud alert from Huntington Bank that someone had transferred a substantial amount to XXXX from my account. Within minutes I contacted Huntington that it was indeed fraud and this had just happened less than 1 month prior on XX/XX/XXXX. It has now been over 1 week and the money is still gone from my account. Why would the bank allow the transaction to go through if it was almost immediately reported by fraud? I have had a negative balance for over a week now and they are doing nothing to resolve it. I cant buy food for my XXXX XXXX XXXX son and I, cant pay my bills, or buy gas to get to work. They were able to mail me a new debit card but cant put back my funds which I have more than enough to cover the items I now cant pay for. My son has no food and my gas tank is almost empty, so Im doubtful Ill be able to get to work next week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: Bread Financial Holdings, Inc.
State: FL
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:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My Insurance company sent me a check for disaster repairs from storm damages. The check was made out to myself as well as needing endorsement from the mortgage company. The check was very clearly labeled as " For deposit only onto actt XXXX  ''. My checking account. The mortgage company decided to seize the deposits and hold them from me in their account stating that it's because the loan was delinquent. At the time I sent them the check for endorsement, my mortgage was paid in full and not delinquent. They just decided to steal my insurance payment.

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 2021-02-15
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX at XXXX XXXX  someone setup up online access to my acct. minutes later my pin # was changed then at XXXX XXXX  {$2000.00} was withdrawn from my account by XXXX and deposited into a personal checking acct, Non of this was done by me, in fact i had eft this card in my desk drawer and was gone from my home from XXXX, XXXX until XXXX when i tried using card and was unable to first because of changed pin and then because of balance. I contacted US Bank and informed them and started dispute claim. I was told i would be sent forms and i filled them out and sent them immediately back and was told it could take up to 4 weeks. I waited 5 weeks and heard nothing so i called and was informed my claim had been closed because they found nothing suspicious. I was very upset and was told i needed to file a police report before it could be reopened, On XXXX XXXX i filed a police report and then was told i needed to wait for it to be completed and make an apt with sheriffs office, pay {$25.00} and request a copy and it could take up to 4 weeks to receive.On XXXX, XX/XX/XXXX and again on XXXX! XXXX this report was faxed to USBank , I have no way of knowing if they have received because the only thing they will tell me is if they havent and on the first 2 dates they said they didn't? I have done everything they have asked me to do, have spent hours on hold, have requested the documents that they made there first decision on and have never recieved..

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 2021-10-20
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received an online letter from Discover recently reviewing my account without my knowledge Discover stated my credit transaction account is OPEN, but you have changed my account to a lower amount. Discover is aware that I have extended credit to your corporation in XX/XX/2019. Discover has violated me by using my credit report to have judged me by the character of information that was provided by a third party and not authorized by me. I was judged by an alleged negative character that Discover wasnt present to know for sure if the history provided is facts. Im writing you because my credit line should be an open-end credit plan not lowered to {$9400.00} You have already extended my credit from my credit card. Therefore, I demand you to re-consider my credit line to an open-end credit plan. 
If you are not able to provide me with an open-end credit plan, I would like my documentation evidence and I will ask for a right to rescission. As per the statements that have been given to me monthly there are many billing errors. As per Congress 15USC1666b, the statements that are given are not bills for me it is just a receipt. Also as per Congress 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on any account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
Discover has closed my account after the letter above was received. I didn't give permission for Discover to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
On my credit its showing I missed a payment in XX/XX/2020. I have never missed a payment ever or been late. But I did a forbearance for 3 months. That would be XXXX, XXXX and XXXX. I was dealing with a miss XXXX.XXXX At the time. I called multiple times and XXXX XXXX  said everything looks good on their side. I tried to talk to a credit to dispute but I cant.

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 2022-06-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money has been stolen from all XXXX of my accounts! I have made a police report and I had to close mu accounts and reopened new once. I had almost XXXX $ stolen from me. Using checks. I need help. Even after opening new accounts today I had another XXXX $ stolen from my account. The bank isnt doing its job. They made me go get a police report and when XXXX XXXX it to them they made a mistake so I lost a week and had to let them know that they didnt send it he police report since I got a letter about it. So I went back and they submitted it again and once again I got a letter saying that they have not received the police report. These people keep taking my money every day. I have copies of all the forms they have filled out and none of them have my signature. I dont know what to do anymore. Can I sue the bank? Its is chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
3 accounts on experian ,2 accounts from jpmcb ,1 account from discover have been in dispute since XX/XX/2020, XXXX and and XXXX have removed the accounts on the basis that they could not verify the accuracy of the accounts, so I would like to know how experian is saying they verified these accounts if the other 2 credit bureaus removed the accounts. where are the documents used to verify these accounts?, what is the name of the person in your company who verified these accounts? what documents did they use to verify them? please provide me with the name of the individual business address and telephone number.

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 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on XX/XX/XXXX, I received an email that if I download a new banking App and pay my bill with the app by XX/XX/XXXX I'll get a {$10.00} bonus. I did exactly that, but did not receive the bonus and now the bank is not accepting this offer. I've saved the email

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting 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 noticed unauthorizedbard inquiries on my credit report that I would like removed. According to FCRA, these unverified and unauthorized items must be removed. I never authorized these companies to run my credit, it's fraudulent. There is no information on account numbers because they are not linked to any open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XXXX I made the mistake of transferring $ XXXX into a credit card account. The next day, XX/XX/XXXX I called to have the funds transferred back where they came from, a non Wells Fargo account. Customer service said they were taking care of it and put in the request. This call was made by me several more times because the money was not leaving the credit card account or appearing back in the checking account it came from. During these calls I was told many different things. Sometimes it was they had put in the request, other times I was given a date that it would be transferred. One particular call I was given a fictitious number to call so I could talk to the person doing the reviewing of the transaction, customer service is apparently trained and allowed to lie. All this time I am having to make calls and arrangements for the account the money was intended to go to. This is all taking an enormous amount of time and ended up costing me several XXXX dollars. On XX/XX/XXXX I noticed the money was no longer in the credit card account. Five days later it was still not back in the checking account. I called to inquire were the money was. I was told Wells Fargo had issued a check and I could expect to receive it in 7 to 14 days.

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 2019-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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 2023-08-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke with XXXX XXXX in XX/XX/XXXX regarding why I received a late payment on my account after speaking with several others who were uncertain to how I received the late payment. I received credit for 3 months payments towards my principal account as well as removal of interest to satisfy a previous complaint with this company. After reaching this agreement a late payment appears before my actual due date in XXXX of XXXX from XXXX of XXXX?. I received the notification from the bureaus. After reaching out to the company per the previous complaint I was directed to XXXX XXXX who states that the late payment was from XX/XX/XXXX. I let XXXX XXXX know that it is illegal to report a late payment from several months after it supposedly occurred and violates my FCRA rights as a consumer. I explained that during my email communications and calls to the company no one ever stated any such thing. She states that they were not able to tell me because of my cease and desist in place from the previous complaint. I advised her that Ive had several communications and not one person saw nor mentioned this late payment. This company continues to disappoint its consumers, in turn in why they no longer do these types of loans. My bureau reported at the time all on time payments from XX/XX/XXXX until XX/XX/XXXX. This appears after the agreement was reached from the prior complaint and the proof of that was provided from XX/XX/XXXX from a screenshot of my online bureau report. The correction of payments would have satisfied any payments and or any interest if I was truly delinquent. The dates reporting are all different for the same bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: FISERV INC.
State: CA
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:
I asked why they were charging me for the transactions and requested a refund. The company known as Fiserv uses XXXX XXXX XXXX XXXX They charged me maintenance fees but also charged me PCI compliance fees just for using their platform. At minimum, the PCI compliance should be on the merchant, but somehow it was on me to pay these fees and ensure compliance. 

The original company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clover Connect XXXX XXXX  as a merchant to process transactions. They charged me since XX/XX/ just by having an open account. XXXX also did not assign an account manager or help with sales as they promised at the beginning of the contract. Perhaps, sales would have offset the fees from XXXX. 

is not like XXXX, XXXX, XXXX, or many others that do not charge a fee UNLESS a transaction is executed. All in all, they charged over {$600.00} fees without any transactions or sales on my account. Some of these charges were blinding and caused overdraft fees on my Business Checking Account. 

I added screenshots of what occurred and some correspondence between me and the company. The Merchant account XXXX is XXXX and XXXX XXXX is XXXX XXXX XXXX through XXXX which is a part of Clover Connect and Fiserv.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
President Trump sent emails about the moratoriums that were in place because of covid-19 and that all foreclosure sales and hearings were set aside until XX/XX/2021. Every foreclosure sale and hearing was set aside XXXX in the XXXX judicial circuit except XXXX XXXX. This caused XXXX XXXX to sell my home of 31 years to XXXX for XXXX on XXXX. The chief Judge, XXXX XXXX presiding at the time allowed this to happen. Judge XXXX XXXX wouldnt allow me to introduce emails I received from the White house signed by President Trump in any hearing as evidence. The presiding Chief Judge XXXX XXXX honor my request to recuse himself but dishonored my request to change venue. XXXX appointed Judge XXXX XXXX to honor a writ of possession fir the XXXX XXXX to remove my grandson and myself on XXXX from XXXX XXXX XXXX XXXX. The new moratorium that now in place and these judges dishonoring a presidential moratorium order set themselves each up to be charged XXXX fine plus a year in jail. All of them basically stated that the covid-19 pandemic affected everyone in the United States except XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Binance as a whole does not help anyone with anything. They have never stopped tweeting, advertising, gloating and talking on all social medias, but tell the people waiting on their terrible horrnedous customer support that they are " on it ''. I am out XXXX of investing money for 2 months now without any end in sight. Complete joke of a company that has a value XXXX XXXX. 
I sent stellar Lumens to XXXX without a memo, so it goes into a fund that sits and waits until you claim it. I have done just that to no avail. 
My username is XXXX on binanceus I have provided them the transactions, video of me saying what they wanted me to say, the balance, EVERYTHING. Need someone with some sort of power to let them know this isn't ok and that we want our money NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX  XX/XX/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 2023-07-08
Company: FIRST MERCHANTS CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is the message I received via text. " First Merchants Bank ( XXXX ) Your card is locked. Call XXXX immediately. '' I do not have an account at First Merchants Bank. This is the second text message from the so-called bank. The first one came XXXX XX/XX/2023, The second one came today, Saturday XXXX XX/XX/2023. I have not responded to these texts.

Company response to consumer: Closed with explanation