BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a cashier 's check for US {$29000.00} on XXXX Two years later, I went to get a replacement at a Chase branch. The teller pointed out that the cashier 's check does not expire for 7 years. In fact, the cashier 's check reads " VOID AFTER 7 YEARS '' right next to the date of issuance. 
I went back in early XXXX XXXX XXXX to acquire a replacement for this cashier 's check and I was told my money was considered abandoned after 3 years and sent to the state as unclaimed property. If I wanted to get my money back, I had to start a claim process with the state of California and wait 6 months. 
I was never told that it expired after 3 years. None of the documentation states anything about 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The following accounts that are reporting on my credit report are reporting inaccurately and I filed disputes for those accounts, and yet to have heard back from the three CRAs in the allotted time that the Bureaus give them to investigate.

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 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i called bank of america to inform them about my EDD Debit card atm withdrawls made on my debit card and it was not i who made these transactions. So i was transfered over to the fraud dpt where i made the report of unauthorized transaction totaling the sum of {$1200.00} in two different ocassions the first one on the date of XXXX XXXX for the sum of {$980.00} and then again on XXXX XXXX for the sum of {$220.00}. Again i explained to the personel from Bank of America how Ive been a victim of fraud, The next day i call so i could get some type of feedback on whats the process and how long it takes come to find out my account is closed and no one can help me because the account is closed.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-26
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX : {$34000.00} ; XXXX XXXX  XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
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 have 24 active hard inquiries to my Transunion report. I am an identity theft victim and Transunion keeps lying to me and telling me I can not dispute the extremely large number of fraudulent inquiries. I called once again tonight on XX/XX/19 and was hung up on after verifying my information multiple times and blocked from speaking with the fraud department like I asked for. For the third time, I am submitting my police report and screenshot of 24 hard inquiries, most of which are fraudulent, to Transunion and asking for the correction to be made.

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 2023-05-20
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-11-23
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened in regards at least XXXX inquires with the CFPB XXXX and XXXX. 
Under my consumer protection rights I'm opening, and I will keep opening even with the same issue, this XXXX Bank and its employees are using THE LEGALLY DISPUTED AMOUNT OF {$1000.00} FOR SERVICES NOT RECEIVED to report as delinquent Account which in fact is not. 
I made Aware CITIBANK THRU CFPB Inquires if they report this amount to the Credit Bureaus as delinquent account, I will take action against them as well I will file the proper complaint with the CFPB for a false statement made in one of their responses. 
Today I received an email by XXXX showing the amount I legally disputed with CITIBANK for services not received as Delinquent Account. 
This Credit Report is affecting my Credit Status and the ability to get loans /credit with low interest. 
As well I'm including in this inquire to XXXX to have remove a Legally Disputed for services not received, and to have XXXX not to report a wrongful Amount on a Disputed Account. If they don't comply with my request also XXXX will be included in the Legal Action after this formally inquire.

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 2023-11-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi has consistently placed fraud alerts on my citi XXXX XXXX. When I called to verify my identify this time they asked for my checking account information, which I was not comfortable providing.

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: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
affirm has charged my card {$150.00} down payment on a loan through XXXX pay. Its been XXXX weeks. Ive sent countless emails and been in live chat XXXX times. They wont refund my money. Ive sent proof from merchant that order was never processed. They wont reply to merchants attempts to reach out. Its like nothing Ive ever seen. I want money returned to my card. Im XXXX and about to seek attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Nelnet, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dept of ED has been on my credit for years. Ive told them countless times I am not the owner of this account and they continue to show on my credit please help withthe removal of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Chime closed my account with over XXXX dollars in my checking account and would not allow me to withdrawal my funds citing that I violated the deposit account agreement. I explained to the merchant that I needed access to my funds to pay for my medical treatment on Monday XX/XX/XXXX in numerous emails in addition to car repairs and they simply responded back with automated responses. I also called to update my mailing address with Chime and they updated my mailing address incorrectly. I emailed them the correct mailing address several times and they responded back by saying they would mail the funds in my account to the incorrect address in 30 days. This is mental abuse as they are aware that I need these funds for medical treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
These following credit inquiries are unauthorized 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 2021-07-23
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, SCA collections received a certified letter ( XXXX ) in reference to a request to validate a medical debt for {$540.00} that I allegedly owed their client from XX/XX/XXXX. Instead, on XX/XX/XXXX, SCA Collections mailed me a bill detailing private medical procedures, performed by their client, without my prior authorization in violation of HIPAA laws. On XX/XX/XXXX, SCA Collections received a 2nd certified letter ( XXXX ) in reference to a continued failure to validate the alleged debt ( FDCPA Violation ) and an intent to sue for a HIPAA violation if the collection was not immediately deleted from all 3 major credit bureaus. As of the date of this complaint, SCA Collections has not responded or complied with my request for deletion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
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:
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 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 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 Any other adverse item 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Old account remove immediately Car was a lemon n was over the blue book prices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
XXXX had a breach in 2022 it's public information to look up lawsuits taking place I was told I was part of that breach I had no idea it happened until I was told I was in and out of hospital dealing with this and felt like I was discriminated against by the bank because I'm poor and sick my identity was stolen and XXXX was dragging everything out they still are dragging it out, it's a complete mess I tried to send money via XXXX pay which also runs through XXXX and the receipt from receiving person sent me copy it had a totally different person 's name I was robbed had to call bank continuously and nobody knew what they were doing it was very scary I was frustrated upset crying I was laughed at hung up on etc I don't think a person should be treated that way I understand they have policies however my identity was stolen and I was punished for that and they closed my account while things were still under investigation not fair by any means

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
accordance with the Fair Credit Reporting act 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. Creditor is reporting different info to all credit companies XXXX, TransUnion, and XXXX The following Account Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/18 i called transunion on 2 separate occasion about a issue with my credit report regarding an " airline credit card hard inquiry '' which i explained the phone number does not work and the address is a p.o. box. The first time they gave me a phone number to call the merchant and ask for a letter of deletion. when i called the number they say they do not know anything about it and that they are not related to that company. When I called transunion back to open a dispute so transunion does there job and investigate this fraud they said told me the same thing and said it happens to all XXXX XXXX people and to call the same merchants back and call XXXX XXXX  as well, which has no customer service number at all, to have them fix this. This is beyond ridiculous and beyond just passing the problem along. Transunion did nothing when i called to open a dispute into my credit report when it is their responsibility not mines to investigate anything that i request especially if I told you the company does not exist and the company they refereed to me basically disavowed any knowledge of this company. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Venmo withdrew {$75.00} from my account twice. I paid the person ( and was supposed to pay them ) {$75.00}, but it was only supposed to be one charge. The end user did not receive money twice. 

I contacted venmo on XX/XX/XXXX and have had very minimal interaction with them. They take multiple days to respond and continue to ask for the same information that I have sent them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus stated that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX. This ground for removal. They also violated my rights under XXXX XXXX 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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