BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 PNC Bank closed my Smart Access checking account. XX/XX/23 US TREASURY attempted to deposit an SSA payment for XXXX into a closed account. PNC bank did not return the payment to the US TREASURY because they stated the Smart Access account was closed onXXXX/23. As of XX/XX/23 neither the US TREASURY or PNC bank has resolved the issue by returning the funds to XXXX XXXX XXXX in which the I am entitled to since the payment is due to myself. I've been going back and forth with both the bank and social security in which I'm still waiting a whole 30 days for this to occur and it has not happened. I really need my monthly payment due to the hardship it has caused me, I'm currently living in a homeless shelter without any recourse since both companies involved have been less than helpful with no resolution. Please help me retrieve the funds that are owed to me as quickly as possible so someone else who needs a place to rest, eat, and sleep can utilize this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citicards misrepresented the status of my credit card account prior my scheduled payment on XX/XX/XXXX. After receiving the same payment twice, they have been sitting on {$7700.00} of my own money since XX/XX/XXXX. The fault lies entirely with Citicards not with my bank or me. Their excuse : balance owed to me exceeded {$5000.00}, needs higher management review that can take 10-15 business days? This seemingly is a federal government requirement. Ive asked them to send me the specific federal regulation allowing them to sit on my money for 10-15 business days before returning it? Current update : Asked to call Citi Executive Response unit. Now told that it may take a further 10-25 business days to review more than 1 month!!! 
Brief summary of Citi fiasco After receiving my statement by email on XX/XX/XXXX, I had set up my scheduled payment of {$7700.00} for payment on XX/XX/XXXX, 2 days before the payment deadline. I do this on the day or a day or two after I receive my statement by email. 
Logged into Citicards prior to my payment deadline, Website was showing junk. A XXXX  balance showed on my card! Called Citi and was informed that the bug would be fixed. A few days later website restored but could not find my scheduled payment. However, I could see no sign of pending payments online. Being concerned, I called Citicards yet again and asked about this. My account was showing 2 credit cards old and an unwanted new one not yet shipped to me. Informed agent that my pending payment scheduled for XX/XX/XXXX was not showing. She checked and told me that there was no pending payment in the system. I queried this a number of times as I was sure that I had submitted this for payment from my bank account. She insisted it was not showing and asked me if I wanted to submit a payment by phone through her to my bank account. I reluctantly agreed and she submitted a payment for XX/XX/XXXX. 
The day before the payment was due, I checked my XXXX XXXX   account. I saw 2 pending payments for {$7700.00}! I immediately called XXXX again, and the agent now insisted that I should not worry as only one payment would go through. I believed her. The next day both payments went through on my bank account. 
I have been waiting for 14 business days for my money and now am told another 11-15 business days. Had I missed my payment by 1 day, Citi would have lumped a hefty late penalty of 29 % or more on me. This is a disingenuous and dishonest means of holding my money for their use.

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 2021-08-13
Company: Experian Information Solutions Inc.
State: GA
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:
My identity was used with my knowledge and the report credit companies keeps reporting the information. Even though I stated its not Valid! The law says nothing can appear on my credit unless I have validated it! I keep disputing the same items, because they are invalid!

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 2022-12-19
Company: Experian Information Solutions Inc.
State: GA
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 HAVE SOME FRAUD ACCOUNTS THAT DO NOT BELONG TO ME, AND I SENT IN ALL DOCUMENTS AND STILL NO LUCK I NEED THESE ACCOUNTS OFF ASAP. THANKS 1, ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 2. ACCOUNT NAME XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
I send a commission check to my XXXX XXXX XXXX but the check was returned by fifth third bank due to non sufficient fund on XX/XX/2022. Therefore, my realtor notified me and asked me to send another cashier check, which i did on XX/XX/2022. 

However, i noted my first check was cashed by XXXX on XX/XX/2022, in addition, {$25.00} fee is also posted to my checking account. I called XXXX and my realtor, XXXX mentioned that fifth third bank send them to collect the return check. But my realtor was not aware of this, which is the reason to ask me to send another check. 

The issue is when i asked for the refund of {$25.00} XXXX XXXX XXXXXXXX and fifth third bank won't discuss with me as i am not their client, even though the money was deducted from my checking account. 

I am filing the complaint for the issues below : XXXX. During XXXX firth third announced to eliminate the XXXX starting from XX/XX/2022. However, i was still charged for the fee through a XXXX party ( below is their announcement on the website ). 

Fifth Third Bank , National Association, announced that effective XX/XX/XXXX it will eliminate non-sufficient fund ( XXXX ) fees for all consumer accounts. Fifth Thirds elimination of all XXXX fees is the Banks most recent step to reduce punitive fees and focus on the best outcomes for customers. 

2. Neither my realtor ( client of fifth third bank ) or me ( the issuer of the check ) was informed that the returned check was sent to a XXXX-party collector with fee included. Therefore, I had to purchase a cashier check per my realtor 's request. 

Therefore, I would like to be refunded for the {$25.00} NSF fee and compensated for the cost and time to get the replacement check for my realtor, as neither of us knows the first check will be cleared and collected. 

Thanks! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian and XXXX is putting a derogatory decrease credit scores because I have been filing Federal Government complaints with Consumer Finance Burau and ADA Department of Justice. 
Experian, had my score at XXXX on XXXX XXXX and now it has been lowered to XXXX. 
I apply for a VA home loan with three lenders on XXXX, XXXX XXXX and my scores shouldn't have been decreased. 

Also I have XXXX balances as of XXXX XXXX on my credit cards 1, XXXX XXXX XXXX Credit Card # XXXX, 2XXXX XXXX XXXX Credit Card # XXXX 3. XXXX  XXXX XXXX Credit Card # XXXX 4.XXXX XXXXXXXX # XXXX balance {XXXX} My credit score with Experian should not be decrease because of Charge Off accounts of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX 

Experian is violations of Federal and State Laws and violations of my ADA Disability Act under Department of Justice. 
I am XXXX Lifetime and Retired and a XXXX XXXX XXXX XXXX Veteran.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
USAA incorrectly reported fraud to another bank and has failed to correct its mistake for almost two months, which is causing over {$40000.00} to be withheld from me. Between XX/XX/XXXX and XXXX, 2022, I transferred money from my USAA savings account to XXXX XXXX XXXX XXXX ( " XXXX Fed '' ). I did this over the phone with USAA representatives to save money on a wire transfer. On XXXX XXXX, 2022 USAA sent XXXX XXXX  an XXXX and Hold Harmless Agreement advising my transfers were fraudulent. USAA admits this declaration of fraud was a mistake. In addition to numerous phone calls where USAA has admitted its mistake, USAA has also issued letters on XXXX XXXX, 2022 and XXXX. XXXX, 2022 stating no fraud was found and that my account is in good standing. It has been almost two months and USAA has still failed to advise XXXX XXXX  of its mistake or take corrective measures. On XX/XX/2022, XXXX in USAA 's CEO team advised she can't get someone in USAA to " click the button '' to undue the fraud alert. Due to USAA 's actions, XXXX XXXX  has permanently banned me from banking at their institution, will not provide me any information other than to say USAA has provided them information confirming my actions were fraudulent, and refuses to return over {$40000.00} in my XXXX XXXX  accounts. USAA has been aware for almost two months that it mistakenly issued the Indemnity and Hold Harmless Agreement to XXXX XXXX  but has done nothing to correct its mistake and advise XXXX XXXX  that my transaction was not fraudulent. To make matters worse, USAA is now not responding to my phone messages including near daily phone messages left on XXXX 's, CEO Team, voicemail for almost two weeks.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CASHCALL, 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:
Im a victim of fraud and I want my financial freedom back. My complaint is against CASHCALL account # XXXX, date open XX/XX/2015, balance {$0.00}, status paid and closed. I already tried disputing this with the company and they still have not remove fraudulent account from the 3 credit bureaus ( XXXX-XXXX-XXXX ) violating the FCRA in which the credit bureaus have to remove the fraudulent information. The FCRA requires credit bureaus to block the fraudulent information from my credit report as resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my 3 report as soon as possible due to the fact that it is a fraudulent account. Im attaching a Federal Trade Commission report, with letter sent to CASHCALL alerting them that this account has fraud charges. In the case that  the account still remains in my report I will take legal action against CASHCALL. This is a clear violation to my financial rights and to the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: JPMORGAN CHASE & CO.
State: IL
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:
I was a victim of credit card fraud. From XXXX XXXX my Chase credit card was charged XXXX for XXXX shared rides I did not authorize. I contacted my credit card XX/XX/XXXX. The card was cancelled and charges were removed. Approximately a week later Chase determined I was responsible for the charges. I called chase to dispute the charges and I was told to provide a copy of my XXXX  ride history. The fraudulent charges were XX/XX/2019. My XXXX  ride history did not any rides for the month of XXXX. Despite sending in my ride history, Chase continues to hold me responsible for these charges. I have filed a police reports and identity theft report with the federal trade commission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
Company: WELLS FARGO & COMPANY
State: MS
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 rewards from credit card

Complaint:
I requested redemption of cash reward points from Wells Fargo valued at {$77.00}, They have documentation that says you can only redeem earned points at {$25.00} intervals so they only sent me {$75.00}. How this passes as ethical is beyond me. If I earned the points and they have a monetary value how is it ethical that they restrict redemption to an abitrary {$25.00} amount. How much money are they saving when customers cancel their cards or die and relatives cancel the cards? Granted the amounts lost would not exceed {$24.00} yet they say it was earned by the customer by using the Wells Fargo card who assigned the value of the points. If it is earned then it is owned by the individuals that earned it. What are the odds that you will ever have an exact {$25.00} increment when redeeming points? I contacted the company and they sent me the rules and when I tried to contact the " XXXX '' man and has not returned my call. This occurred around XX/XX/2021. It's a small amount of money that's involved, however this could reap thousands of dollars for Wells Fargo 's Rewards program over time at their customers expense.

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 2020-08-06
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had issues with XXXX XXXX for awhile. They are on my credit report still. I have asked kindly for them to remove there tradeline. I am under nocontract with these people. In a earlier complaint they said they never or have no record of them suing me. I am providing a copy that they have sued me in the state of minnesota. When I spoke with them about the judgement they ( vacated ) they told me they would not contact me, pick up any accounts on me or contact me. They denied they ever did this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax : needs to fix the issues about the inaccurate information for the personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the personal informations that I am disputing : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these 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 information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: MD
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:
The date provided in for chapter XXXX bankruptcy is inaccurate my public record states that date I filed is XX/XX/2017, my actual filing date for chapter XXXX is XXXX XXXX per letters from courts Im requesting that it be deleted from my report I have reached out several times via certified mail to Experian they verified that public records were accurate.

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