BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged XXXX {$36.00} for overdraft fees in one day when only two were valid. I've paid over XXXX in overdraft and other fees in the last 6 months, and I'm struggling with no help from us bank and no response from management. The over darft charge is what put me in the negative

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 2023-11-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Heres what happened : I had been pelted with overdrafts due to decreased business during the COVID-19 pandemic. I am XXXX and depend entirely on XXXX  for my income. While Chase refunded some of the fees, 112 remained unrefunded. 

1. I mailed a letter to XXXX XXXX. She's the CEO of XXXX XXXX. They intercepted this letter and opened it. XXXX XXXX never saw it. I was informed of this by XXXX, a secretary who called me from the corporate office. I was livid, the letter was for XXXX XXXX and XXXX XXXX only. 

2. In the letter, I asked for any possible refund of fees. Due to the letter, the person who reached out to me ( XXXX ) decided to suspend the account due to my letter. She informed me that XXXX XXXX sometimes looks at these accounts and makes these decisions. She then refused to give me his contact information or to have him contact me. 

3. All managers and XXXX have refused to admit that because of the assessment of fees, led them to be able to charge more fees. If they had refunded all of them, I would have been fine, or at least in a better spot. 

4. They sent me an email indicating that around XX/XX/2023, they would be closing the account. But gave me a falsified reason ( to prevent fraud ) for suspending the account. They actually closed it a few days later. 

5. They have now started collection action to recover the negative balance, which is 100 % THEIR FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital one bank closed my account today XX/XX/23. I would like to know why. All my funds are in this account and I need money I cant eat or pay bills. I tried calling them they cant give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: KEYCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have opted out of debit card overdraft, meaning they should decline all debit card transactions when there is no money in account. They put through a XXXX charge which overdraw my account by {$3.00} and they assessed a XXXX dollar fee. I called and they were able to reverse the fee and it left my account negative. I was not informed if I left it negative they would then assess another XXXX dollar reacurring fee. Now because they waived the XXXX fee there is nothing they can do I ca n't even close my account until it is paid, because I will receive another fee because I only get paid once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX and # 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 2018-09-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase arbitrarily suspended access to ALL my Chase accounts on XX/XX/2018, including my checking account and 4 credit cards, because somebody who has Quickpayed me many times previously tried to Quickpay me money. 

The other account sending the transaction was a Chase account, and there was a 3+ year history of money transfers between my Chase account and theirs. 

When I called the number on the " your account access has been suspended '' screen, they informed me that my account was fine, but they had suspended online access and the accountholder sending me the Quickpay would have to call and verify the Quickpay transaction before they gave me access again. 

Fast forward more than 6 hours of dealing with Chase on the XXXX and XXXX, and the accountholder had not only called and verified the transaction, but also gone into a Chase branch and verified it, and my account was still locked, INCLUDING access to my credit cards. 

On XX/XX/XXXX, I have another 2 hours on the phone, and my account is still locked, with them insisting they can only verify my identity by texting a defunct phone number on my account, and refusing to text the other number already listed on my account. I close the checking account over the phone at this point, because their conditions are ridiculous, their customer service is awful, and I'm pretty irritated at this point and no longer want to bank with them. 

On XX/XX/XXXX, I try to log in to pay my credit cards, and I'm STILL locked out, even after the transaction was verified and I closed my checking account. ANOTHER 2 hours on the phone being transferred to 5 different people, and despite never having done anything wrong, having the transaction verified by the other accountholder both on the phone and in person, and closing the account, I STILL don't have online access to my 4 Chase credit cards, and they refuse to grant this  access unless I go into a physical Chase branch. 

I opened my Chase account in an area with lots of Chase branches, but moved 4 years ago to an area where the closest Chase branch is 200+ miles away. 

So my choices now are close the Chase credit card accounts and ding my credit report with a lot of lost available balance and age of account, or spend literally an entire day trying to travel 200+ miles to fix it, when it's their screw-up, it's been verified on the other end both on phone and in-person, and I've done nothing wrong. 

If that sound like what you want from your bank, I heartily recommend Chase and their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite my previous 4 written requests, the unverified items still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did.

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 2022-09-28
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:
I discovered that there are unauthorized inquiries in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.

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 2022-11-22
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:
I ordered my credit report and found several items that were not authorized by me and asked Experian to remove. I sent 2 letters and both came back saying I was not the person I said I was. I sent in verification ( driver 's license, SSN, bank statement ) that Experian continue to not look into my complaint. 

Below are the items I would like Experian to remove from my credit file. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXXXXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXXXXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed

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 2022-03-30
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XXXX I contacted XXXX and informed them that on XX/XX/2020, the debt they had assigned to yet another debt collector had been assigned as part of my divorce settlement to my ex-husband as his debt. I provided the collector with a copy of the divorce decree via certified mail and they lost it in XXXX XXXX XXXX. The debt continues to be placed from agency to agency to keep it new and hitting my credit. I have told them not to contact me and that I was not responsible for the debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX was told during the downturn if I paid 3 months in advance, I would be approved for a XXXX  by Wells Fargo. I made the payment, roughly {$3300.00} to cover XXXX XXXX. They forclosed on XXXX XXXX, XXXX after scamming me of my {$3300.00}. The address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2023-03-02
Company: EQUIFAX, INC.
State: AL
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 Co 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I find out I have been a victim on an internet wire transfer. The scammer/hacker intercept a closing and provide wrong wire instruction and money went into a Bank of America account XXXX This was wrongfully wired to a domestic account with Bank of America. Since the discovery of this, XXXX XXXX  has filed a XXXX recall, XXXX against Bank of America for a recall. It's been pass 90 days and Bank of America has only been responding the case is still under investigation and no additional information has been provided. Both XXXX XXXX XXXX and Bank of America are ignoring to further investigate into this case. Both party are denying information to me. XXXX XXXX from Bank of America responded to the first complaint by stating they will open a new internal case and ask me to provide a copy of the wire transfer and I did back in XX/XX/2022. When I called back to get more information about the case, she stated she has no further information and can not disclose any information regarding the status or when will the case investigation be over. XXXX XXXX at XXXX x XXXX XXXX XXXX from XXXX XXXX XXXX Bank has not responded to my inquiry on the status of recover the fraud wire. 
When I contact XXXX XXXX XXXX Bank to follow up, XXXX XXXX  say XXXX XXXX and their representative did not contact them or respond to the inquiry. Bank of America have ignore and left the case as opening and refuse to cooperate with XXXX XXXX XXXX Bank to resolve this. 
How can the public trust and be protected if both these big financial institute refuse to resolve client 's issue in dealing with a domestic account? Why is Bank of America allow to not respond to XXXX XXXX XXXX on a domestic wire transfer fraud and leave the case in open for months?

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-03-02
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw XXXX XXXX XXXX, of XXXX XXXXXXXX XXXX. on XX/XX/2021. This was arranged by the Department of Veterans Affairs XXXX XXXX under the MISSION Act. The VA contacted the office and provided them with all the information on how and when to submit billing. The doctor was simply HORRID! And I did not return to her. The doctor I did follow-up with found many issues with my XXXX. 
XXXX XXXXXXXX did not properly or timely submit their bill to VA for payment but now has referred it to Waterfall Revenue Group, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXXaterfall has posted this to my credit reports.

All of these collection attempts are in direct violation of Federal Law under the MISSION Act.

I contacted Waterfall and they literally laughed. I provided them with a copy of the VA Form XXXX - Approved Referral For Medical Care which was sent to the doctor, yet they refuse to remove the item from my credit report. I have also filed 2 disputes with XXXX and provided them with a copy of the VA Form XXXX - Approved Referral For Medical Care and they refuse to remove the post only noting that I dispute it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-08-17
Company: EQUIFAX, 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:
There is an inquiry on my Equifax Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following : XXXX Bank XX/XX/2023. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
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: Public record information inaccurate

Complaint:
There's a late payment showing on my personal credit report from XXXXXXXX XXXX, but I have never 30 days or more past due on this account. 

I've attempted to work with XXXX in the correction ( s ) and haven't made any progress.

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 2022-03-15
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). 
XXXX XXXX never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). 
XXXXXXXX XXXX needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). 
According to the attached XXXX mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. 
All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.

Company response to consumer: Closed with explanation