BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
My credit card company is deny my claim based on this letter from the company. 

XXXX, XXXX XXXX Fri, XX/XX/XXXX, XXXX ( 8 days ago ) to me Good afternoon, Thank you for reaching out to us regarding your visit to XXXX XXXX. I was recently provided with your ticket information and the images of the receipts that show the items you purchased at the front gate. After reviewing the ticket barcodes that you provided, we did see that they had been previously used at the park for entry on XX/XX/XXXX. The XXXX XXXX portion of the tickets were also used two times inside the park on the same day. Due to the inconvenience of this situation, we would like to offer you two additional single day tickets to visit the park by XX/XX/XXXX and we would also include two XXXX XXXX  vouchers for you to use on a future visit with us. The tickets and XXXX XXXX will be sent to you separately from this email. 

Once again, thank you for contacting us and allowing us to look into this matter. I hope that we can see you again at the park soon! 

Thank you! 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I am asking them to reopen Hello, Please reopen Claim number : XXXX for {$280.00}. 

Customers should not be held liable for the companys glitches, errors, or theft within a company. If I paid for a service, I should get it at the time I paid for it. Services was not rendered. I can not go back to XXXX XXXX in XXXX when I paid for hotel and plane tickets to go in XX/XX/XXXX. 
XXXX XXXX reuses their barcodes. If you were to call any of their parks, they will tell you that they reuse their bar codes. 
I purchased tickets for XXXX XXXX in XX/XX/XXXX, and you can see that in my bank statements. How could I have used the passes in XX/XX/XXXX. Unless I have some magical powers. 
My tickets were taken away ( stolen ) from me in the early morning by a crocked manager if the food passes were used twice that day. I did not use them I did not have them to be able to use them. The restaurants in the park open for lunch and afterwards. Either they gave my food passes to their friends, or it was a reused barcode. 
XXXX XXXX refused to give me a refund for their own mistakes, scams, corruption that is happening in the park and to hang onto my money they are giving me back what I bought to use in XXXX instead of refunding me money. I can not do anything legally to them because I live in another state. Which is why they are doing this and getting away with this. I can only ask my credit card company to help 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 monetary relief
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.

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 2023-11-16
Company: January Technologies, Inc
State: NJ
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681c. ( a ) 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account name XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$2200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$10000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$800.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$670.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$450.00} written off. 
Important note Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status CloseXXXX. {$680.00} written off.

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 2023-11-16
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was looking at my credit report with the mortgage company and I noticed my credit was not reported for the mortgage company Im with. Its not reported on my credit history Its not going towards my credit score or have any history of payments documented to my 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 explanation
Consumer complaint received 2021-05-18
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
( Tuesday XX/XX/XXXX ) I went to a convenience store ( XXXX ) to use the XXXX ATM for a withdrawal using my unemployment issued debit card through a company called ( Reliacard ) The XXXX atm did not dispense the money and malfunctioned. I called XXXX immediately and was not able to get any help. 
I called the convenience store manager over and he was also not able to help. I tried to file a police report simply to document everything that happened, because with no one willing to help, I consider that theft. 
I called Reliacard and was told to hand write a letter stating everything that happened, and I would get a provisional credit in 10 business days. After 12 business days I called and was told another 5 business days to potentially 45 more days for their investigation. I still do not have that weeks unemployment insurance paid to me yet. 
I receive the payment every Tuesday, today is Tuesday XX/XX/XXXX, and for some reason I did not receive this week 's payment either yet I immediately called US Bank Reliacard just now, and they told me the payment hasn't cleared, but my unemployment website is saying it cleared yesterday ( like it does every week and I usually don't have an issue ) so I asked again about my other payment dispute from XX/XX/XXXX and they are just giving me the run around. As of today XX/XX/2021 Reliacard is illegally holding {$1200.00} of my unemployment payments and I have bills due, Please help.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
according to the fair credit reporting act, there's creditor has violated my right on the 15 USC 1681 section 602 stage I have the right to privacy 15 USC 1681 section 604a section. Also states of consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason.

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 2023-01-24
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: Old information reappears or never goes away

Complaint:
I filed a disputed that the credit report company quickly responded stating a duplicate outdated debt will remain. After escalating the matter, the credit responded stating the debt is no longer collectable and pass the legal statue of limitation. 

However, this duplicate outdated debt that the creditor stated they " legally '' can no longer collect due to it being past statue of limitations still remains on my credit file with XXXX. The credit reporting company REFUSES to remove this invalid information from my credit file, knowing it is a violation, nor have they added a statement saying the debt is past the legal statue of limitation per law and creditor response. The creditor stated they can NOT assist because it is a credit reporting company issue and not theirs.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/2023 This INQUIRY was unauthorized and done fraudulently without consent!

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 have at least 3 charge per month of an overdraft fee for insufficient funds, this been going for what i can see 2022 ( XXXX ) All of them for at least {$10.00}. I have been calling, but they said those are normal charges.

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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had money taken from my account, showing on my statement like when an automatic propane machine at XXXX failed to disburse the product and after contacting the propane company they said they refunded the money but now there is no evidence of the money coming out or being refunded and was told by bank of america that when the money is refunded they remove it from my statement. Now I have no record of it coming out or being returned which has happened more than once, I do not believe the money was ever credited back to my account.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-05-20
Company: Experian Information Solutions Inc.
State: AL
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 refinanced my home in XXXX XXXX  XXXX. We found my brothers XXXX XXXX XXXX on my report showing delinquent. We had a conference call between myself XXXX XXXX my brother XXXX XXXX and XXXX. XXXX with XXXX XXXX XXXX  company and they confirmed at that time it was my brother XXXX XXXX delinquent mortgage and they stated they would have it removed. XX/XX/XXXX I apply for a construction loan to build my home and again it is on my report making no bank want to lend money because it shows delinquent on a house I do not own.

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: DISCOVER BANK
State: CA
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:
Notice discovery has been running credit inquires every month and every week since the year 2022. I never have or applied for a discovery credit card. I called discovery they said no open account is open on their end. They ran my social to confirm. They inform me to contact you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: VYSTAR CREDIT UNION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The letter that was sent to me states this was for VyStar credit union. I dont owe them a dime me and my husband walked into the establishment and close the accounts. Anything that was owed we paid at that time I have not had an account any other time with this company the only time Ive done business with VyStar is back in XXXX I have never done business with XXXX XXXX XXXX. The correspondence they sent had my maiden name on it. Ive been married for over XXXX years and wouldnt have anything with my maiden name on it. The claim they are coming after me with would be over XXXX XXXX XXXX at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX XX/XX/XXXX, purchased of four Visa Gift Cards, XXXX {$50.00} and XXXX {$100.00}, from a XXXX  store, XXXX XXXX XXXX, XXXX, CA XXXX. Presented the XXXX {$100.00} cards as a wedding gift and the XXXX {$50.00} cards to relatives as gifts. While trying to access the funds, it was discovered that all XXXX cards had been compromised and all XXXX had XXXX funds available. XX/XX/XXXX, I contacted XXXX customer service, Gift Card department who took the information and requested I send a picture of the purchase register receipt along with a picture of the front and back of the cards. I complied and was told their research team would get back to me. In the meantime, they instructed me to contact and file a claim with XXXX. We complied and paperwork was filed with XXXX. XXXX responded that it was a XXXX issue and XXXX stated it was a XXXX issue. XXXX said they would investigate, and they had 90 days to get back to us. 90 days passed and XXXX stated the claim was denied because the cards were used. I reiterated that the funds were not available and were not used by the persons who were in passion of the cards. I asked them to provide me with the ; when, where and by whom? Visa refused to provide that info information. However, Visa did send a replacement card for XXXX of the {$100.00} cards. 
I am seeking restitution for the {$200.00} outstanding funds. The XXXX {$50.00} cards and the XXXX {$100.00} card. Along with the {$22.00} transaction fee charge by XXXX. 
This purchase was made in good faith from what I thought to be XXXX reputable companies who both failed to deliver by providing unusable products. 
Conversation notes, emails, card images and register receipt is available upon request. 
Thank you in advance for you time in this matter. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation