BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: ASSOCIATED BANC-CORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Associated Bank regarding the suspension of my ability to schedule transfers and the complete lack of response from their customer service department. I believe that my experience with Associated Bank has been frustrating, unprofessional, and a significant inconvenience. 

Details of the Complaint : Inability to Access Account : On XXXX I attempted to log into my online account with Associated Bank, but I was unable to do so. I received an email notification stating that my " Ability to Schedule Transfers Has Been Suspended ''. 

Attempts to Contact Customer Service : Immediately after receiving the suspension notification, I contacted Associated Bank 's customer service department through their provided helpline. The representative informed me that my case had been assigned to someone who would handle the matter and assured me that I would receive a call from them the following day to discuss reactivation of the service. 

Lack of Response : Despite the assurance, I did not receive any call or communication from Associated Bank for several days. After waiting patiently, I called their customer service again, and once more, I was promised that someone would contact me within the next 24 hours. Unfortunately, as of today 's date, which is almost two weeks after the initial suspension, I have not received any response or call from them. 

Inconvenience and Loss : The inability to access my account and schedule transfers has caused me significant inconvenience and stress. I rely on these services for my financial obligations, and the lack of access has affected my ability to manage my finances effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: WELLS FARGO & COMPANY
State: CA
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:
Again ... .Wells Fargo is failing to address why a fraudulent signature is acceptable at their bank. They claimed a delivery receipt was provided to them ... which is true ... but it was fraudulent ... and did not contain my signature, which has been verified NOT to be mine by a Wells Fargo manager. 
I want to know why it was accepted? This has not been addressed in any of your so called letters or your THOROUGH investigation. I will keep filing complaints until this question is answered : " Why is fraud acceptable at Wells Fargo? ''

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 2023-08-24
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: TN
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:
We ( my wife is the primary on this card, and I am a cardholder ) had XXXX points in the Chase Freedom Ultimate Rewards program, the equivalent of {$3500.00}. I went online to redeem these points for the purpose of paying my account on the due date, an option that was listed. My points were immediately removed and my balance reduced to XXXX points. There is no indication online that the transaction is pending, so I called to ask if an agent could confirm any of my payments. She said she was greatly concerned because she saw conflicting information, and she transferred me to an " escalation leader, '' ( XXXX XXXX XXXX who stated that it might take up to three days to receive credit, and that the points nor the transaction would be visible until they credit the account. Similar disclosures are seen when paying with a checking account ... the transfer might not actually take place for a few days, but you are credited for paying on the day you initiated the transaction and not charged late fees or interest as a result. My complaint is that they immediately took my points ( which they kept inhouse and are being used to pay themselves ), brought my {$3500.00} balance of points to XXXX but are not crediting me with paying the points or making the transaction until such date ( 2-3 days ) that they choose to credit my account, and told me they will charge any ensuing interest on that amount for the days between when I paid the points and whenever they get around to crediting them to my account. They automatically and immediately took my points/money, and there is no reasonable policy that should be permitted to withhold credit the moment they take my cash equivalent payment ( or at least make the payment retroactive to the date the points were surrendered ). I essentially handed over {$3500.00} without receiving even so much as a receipt or an online acknowledgment of the transaction. Only an upper tier " escalation manager '' can even find the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: SC
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:
Back in XXXX & XXXX of 2019, XXXX XXXX Bank stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, Equifax shows account was paid as agreed, but on other credit applications that use Equifax, shows negative information was placed on the two accounts that I had with XXXX  XXXX, Equifax credit report shows no late payments so I am requesting this negative information be removed from XXXX, XXXX, Equifax as well due to inaccurate information being placed on my credit reports. Late payments being reported and this information needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a Cashier 's Check from the XXXX  XXXX XXXX across the street in the amount of excess of $ XXXX. The teller did not catch that the check was missing an endorsement and went ahead and deposited my check. XXXX  XXXX XXXX paid this invalid check and Citi closed my account or " fraud ''. They have held my life savings for nearly 60 days. 

I keep getting different answers to if I will get my money back and nobody at Citi can provide any assistance. 

I have not been provided any documentation outlining the reason for the account closure and have not been provided a method to get my funds back. Citibank and stolen my money to invest and gain profit.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was not 30 days late on XX/XX/20. Please eliminate this late payment on this account. I believe it is reported wrong. Please correct this issue XXXX XXXX XXXX Late Date XX/XX/20

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: EQUIFAX, INC.
State: MN
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 have several credit inquires i did not authorize creditors will not remove when asked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was not 30 days late on XX/XX/20. Please eliminate this late payment on this account. I believe it is reported wrong. Please correct this issue XXXX XXXX XXXX Late Date XX/XX/20

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-04-17
Company: LEXISNEXIS
State: PA
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:
I ' ve reached out to LexisNexis regarding information on my consumer report to be removed. They claim it's valid. I don't understand why addressees are on my report and I've never lived there. I don't understand why different variations of my name is on there. I spell my name one way because another entity refer to me as another it should not be made part of my profile. If I never lived somewhere it should not be a part of my profile. I pay extra for another Layer of privacy, not listed non published yet LexisNexis has my phone number as part of profile. My cell number is private they also have that as part of my profile. I don't understand why my childhood resident is relevant to my profile. I've lived at the same place for 23 years why where I lived when I was XXXX relevant to my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: NV
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:
Hi there, My name is XXXX XXXX, I am a XXXX XXXX and have three properties in XXXX XXXX. One primary residence and two rental properties.

One of the rentals was under renovation and another is being rented. 
My tenant got laid off during covid-19 lock down and was unable to pay the rent. 
I was mislead by many news in XXXX that missed payments would not be reported for 3 months not to damage credit. So I did not have enough funds in XXXX to pay the rental property since I did not get the rent from Tenant, so I pay balance for 2 months in XXXX thinking it won't damage my credit during pandemic. Next day I receive credit report of a 30 day late payment from XXXX XXXX XXXX that dropped my score by 100 points. 
I called XXXX very next day on XX/XX/XXXX of XXXX to ask for forgiveness and help me solve the problem. I explained the situation with misleading news. I explained them that I did not receive a payment for rental property and had to ask for payment assistance XXXX file attached ). Customer rep from XXXX submitted a request and told me I would receive a letter from XXXX next 20 days. She also advised to file a dispute with credit bureaus witch I did same day. 
I just received Experian dispute results and it still shows 30 day late payment. 
I received assistance check 1st days of XXXX but the payment was already late and due for 2 months now, so I paid for both months on XX/XX/XXXX. 
I have 2 accounts with XXXX and I paid my personal property on time but I did not have funds to cover the rental property. 
I also applied for Economic Injury Disaster Loan on XX/XX/XXXX because my business has hit very hard, I just received application pre approval on XX/XX/XXXX but still don't have funds. ( file also attached ) I believe businesses need to be more supportive during this pandemic, I am building a brand new building and we are finalizing the construction right now, we started construction in XXXX of XXXX, now I have to close on my SBA 504 loan next 30 days and my credit is in 600s. We are talking about XXXX loan and this is a massive impact for me right now. I did not let anyone in my team down and did not furlough any worker in my company to help them, now after paying their weekly income I am suffering the consequences. 
CFPB please help me remove 30 day late payment, I know I was late but not because I was careless. If I have to I could find XXXX news that mentioned that credit would not be affected during pandemic. 
Loan number with XXXX XXXX XXXX XXXX ( account was just refinanced ) Property address : XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX Experian report number : 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 2023-11-17
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: STERLING JEWELERS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Kay Jeweler XX/XX/2016 {$510.00} This account is an result of identity theft. I had no knowledge of this account. please investigate. I had no such luck with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: ALLY FINANCIAL INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non U.S. bank However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX  XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information, Ally Bank does not cooperate in the process or returning those funds. Multiple calls to the customer care hotline resulted in straight up conflicting responses on when and if the money would ever be returned. As of now, Ally Bank more or less kept the money.

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 2018-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today, XX/XX/2018, I tried to enable an external application called XXXX. When I tried it did not allow me and a message said that Capital One was " blocking youfrom enabling external applications '' and to " file a complaint with the CFPB '' to alert Capital One of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00}

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 2021-10-23
Company: BAM Management US Holdings Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
The Binance exchange which is very popular has received XXXX XXXX as an XXXX  in which the infrastructure was already perfectly functional and setup for a previous airdrop XXXX XXXX XXXX in which they have announced that they will support. When the XXXX airdrop came, they decided to not distribute it to the rightful owners and keep it for themselves and we have proof that they have the XXXX XXXX  in their address by looking at their address on the blockchain. This company needs to be put back into place and ordered to distribute XXXX XXXX to the rightful owners who participated in the airdrop  and they are currently holding ~XXXX  XXXX  dollars worth of XXXX  which are not theirs.

Company response to consumer: Closed with explanation