BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NY
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 dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: NC
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:
In XX/XX/XXXX sent a dispute to experian they responded back with account verified but failed to send verification, in XXXX submitted a XXXX letter which came back verified followed up with a follow suit letter as to how they could keep verifying a account that the other 2 bureaus deleted for lack of verification. The last response from them was in XX/XX/XXXX stating account is still verified and outcome remains. The have failed to send me any documentation as to how the account has been verified.

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 2024-01-10
Company: CITIBANK, N.A.
State: TX
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:
Attempted online purchase from the Government of XXXX. Card blocked. Foreign ( Non english speaking ) representatives placed me on hold and then disconnected me 3 times. Only my name was ever asked and account security word. Called back 3 times. Card was blocked - Company states that I have to wait for a letter to arrive by mail to verify my identity as all attempts to verify me have failed. No verification steps were performed nor was I asked any questions. Company flat outright lied. Company refuesed to identify what steps can be taken to unblock the account. I am willing and able to verify any information to unblock the card but they refuse to proceed with a verification process.

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 2023-06-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a Chase XXXX Card holder. 

Here is chase contact info : ( Chase Executive office email- XXXX ) XXXX ( XXXX ) XXXX On Sunday I tried to redeem XXXXXXXX XXXX to my XXXX Redemption Card . The online system did not work. I decided to call an associate who said it was done. I then tried to use card for XXXX  which did not work. I called back and spoke to a manager who said it would be done by Monday night. 

On Tuesday Night, nothing had changed and the issue was still not fixed and continued to be esclated. Essentially blamed XXXX for system errore and refused to provide me my money back as it was over XXXX XXXX 

I wrote letter to executive office who contacted me on Wednesday. The woman provided her information and again blamed issues on XXXX system issues and she would research the issuem So now I am out XXXX and chance I lose out on XXXX reservations using that money. 

Listen, not everything is going to work, but it is crazy that this can not be immediately fixed especially when acknowledging the problem. 

You can not advertise rewards by showing them in account and then when customer goes to use, there is all of the sudden issues. That is crazy. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Located a puppy and trying to make a purchase of him online. XX/XX/2019 transfer {$800.00} to XXXX XXXX for the dog. Transfer through Bank of America XXXX on the XXXX transferred XXXX to XXXX XXXX because the dog was supposedly trap at the airport and they couldn't fly out needed a special crate would be able to refund upon delivery of the dog also through Bank of America XXXX. Did not receive the animal contacted the bank stated they could do nothing about it because it was XXXX I had to talk to them on Monday. That Monday they'll just took note of what happened and told me they would get back to me within 10 days. At the end of 10 days I spoke to them they indicated that they had found the transfer to XXXX XXXX they were waiting for XXXX XXXX to replace the funds. Did not hear from them call them again understood that for 10 days the notes and on someone's desk no one acted up on it which allowed this guy to get further away with my phones and separate my money for me even greater. Still not have heard a final response from Bank of America are XXXX I have the bill of sales the text message you sent back and forward in the emails that I received from these folks. Please help if you can

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 2022-09-11
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: Reporting company used your report improperly

Complaint:
accordance with the fair credit reporting act XXXX  Account 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 2020-12-17
Company: EQUIFAX, INC.
State: NC
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 filed a complaint XX/XX/XXXX.Three days later the dispute was closed. I sent documents proving that the information was invalid from XXXX XXXX XXXX. I have disputed a few times with XXXX XXXX XXXX. They are making up this amount and have no proof. I have proof from XXXX XXXX on the amount. When the reports do not match accurate information it should be removed from the credit report stated by the Fair Report Credit Act. This company has not removed the report and opened up another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
i sent money to a person and the wrong amount was entered and I canceled the first one but the second one went through with the wrong amount and now I can not get in contact with the person and money gram is not trying to help me after several attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid debt in full to lenders. The company has sent me a discharge letter in which I have sent to all 3 credit reporting agencies. All 3 agencies have yet remove this item off my credit report. I have sent letters and documentation to all three agencies regarding this matter with no solution.

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 2024-01-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BMO bank verified me over the phone for almost 3 hours. They then called me the next day and requested my bank information over the phone. They told that I had to deposit a certain amount in both accounts. After that verified me for almost 3 hours and took some of my money from my old account they locked my accounts and then said they could verify me. They then turned mean, and rude. With this account you get a bonus if you transfer a certain amount. I find that these banks including BMO try to get you to open a account for their investors then they make it difficult for you access your account. They then started complaining about people trying to steal their money. However, I have to put money in the account and keep it there for months before I would get a bonus. After they took my money they refused to allow me access to my money. They had verified for hours. Then I stayed on the phone for days trying to access my funds. They then became very mean and refused to help me access my money unless I got forms signed and notarized which I did. Then no one from BMO called nor apologized to me!!! The last person I spoke with in their customer service had some very strange sound in the background. It was so distrusting I had to ask him what the sound was. His reply was, " Does it sound like something rubbing against the phone. '' Yikes!!! I want that phone call pulled. I am requesting someone from your corporate office call 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 2019-04-10
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:
XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} There are no contracts, no valid claims ... accounts were settled with original creditors, grave errorfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 any other adverse item of information, other than record 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 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 2021-01-20
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid 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:
In XX/XX/XXXX I received a letter from XXXX XXXX  credit card company demanding that I send them XXXX XXXX financial information by XX/XX/XXXX. No specific reason was given other than provisions in the Patriot Act. It is my understanding that this portion of the Patriot Act expired in XX/XX/XXXX. I am also a XXXX XXXX XXXX and don't have the corporate documents demanded. Seeking clarification I called the phone number provided. I called that phone number 24 times across the next month and was consistently placed on hold for between 30 and 60 minutes and unable to speak with anyone. Without additional information I am not able to comply with the demand. Today, on XX/XX/XXXX XXXX XXXX  credit card was declined to a XXXX vendor. Credit card customer service indicated that my account was being held hostage for non-compliance and her only solution was to give me the same phone number I had unsuccessfully called, adding that " this is a very busy number ''. As I write this I have been on hold to the aforementioned phone number for 45 minutes. I am outraged that the credit card company wields this much power and uses it during the pandemic when running a XXXX XXXX is precarious. Please help soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
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 have previously disputed inaccurate information on my Credit Report with Experian and XXXX XXXX XXXX XXXX Last Month I filed a compliant with CFPB against, XXXX and the 3 credit bureau 's. 
In my compliant, I addressed the fact my credit reports indicated I had made late payments to XXXX XXXX XXXX XXXX. 
XXXX acknowledged I had made NO late payments. I had received updated Credit Reports, but not from Experian, so on XX/XX/2023 I went into my online Experian account to see what updates they had made on my Credit Report. Experian did make update and added into the Status " Never Late '', but above that in Bold Red Writing it reads " Potentially Negative ''. 
On my online account in Experian, they provided me a report # and Phone # if I wanted to discuss things further. On XX/XX/2023, I called and provide the report # and was transferred to the dispute dept. The person I spoke with had no record that I filed a compliant with CFPB, I asked how/why they would have updated my credit report, she replied they received something from XXXX and they contacted them directly. I said, if you updated my account to read Never late, why would the statement Potentially Negative show in Red on my Credit Report, and I also asked why on my Experian Online Account it still shows Late Payments of XXXX days & XXXX + days and in another area it shows Serious delinquency? She wasn't able to answer these questions.

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 2021-01-19
Company: EQUIFAX, INC.
State: NY
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: XOOM CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
A money transfer for {$1000.00} from the US to XXXX was initiated via Xoom in XX/XX/XXXX. The transfer was not successful, Xoom admitted to this and agreed to refund the amount. The refund has not been made yet ( as of XX/XX/XXXX ). 

Detailed timeline : XX/XX/XXXX, XXXX XXXX  : transaction for {$1000.00} initiated ( US to XXXX XXXX XX/XX/XXXX, XXXX XXXX  : Xoom confirmed successful completion of transaction ( however, it was not successful ) XX/XX/XXXX : I provided bank statement details of both my bank accounts ( XXXX and US ) showing that the transfer never happened. Xoom responded by saying they will check with their banking partner in XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : Xoom sent me an email saying that 'Xoom or our partner has encountered an unexpected problem ' processing this transaction, and they agreed to refund the money to my US account. 
XX/XX/XXXX : Xoom sent me an email saying the automatic refund failed and they need to send me a check, and asked for my mailing address which I provided. 
XX/XX/XXXX : Xoom sent an email saying they mailed out the check and that I should receive it in 10-15 daysXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX: multiple calls to Xoom to check on the status of the refund, since I did not receive the check. 
XX/XX/XXXX : Xoom sent me an email asking if I received the check, I responded negative. 
XX/XX/XXXX - XXXX, XXXX : multiple calls to Xoom to check on the status of the refund, since I did not receive the check. Same answer each time : this case has been sent to XXXX and they are waiting for a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions 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:
XXXX recently ( in XX/XX/2023 ) closed a New York and Company account based on information contained in my credit report on other non XXXX accounts that are in dispute. I never gave XXXX permission to check my credit report and to check other accounts that have nothing to do with XXXX As per the FCRA XXXX must send proof that I gave written consent to report the New York and company account and proof of my written consent to check my credit report in XX/XX/2023. XXXX will also need to send proof to support their claims that the other nonXXXX accounts are " valid '' and " delinquent. '' XXXX must send the contracts for these other accounts. Otherwise I will have to pursue litigation for XXXX for conspiring with the credit reporting agencies and the other institutions to violate my rights under the FCRA.

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 2021-01-20
Company: EQUIFAX, INC.
State: NV
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 has been compromised and seem to been a victim of the dark web, after careful review of my credit files I'm demanding that the following accounts be removed and blocked from my credit files immediately. 

1. XXXX XXXX XXXX {$57.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. Dept of ED/ XXXX {$22000.00} 5. Dept of ED/ XXXX {$18000.00} 6. Dept of ED/ XXXX {$15000.00} 7. Dept of ED/ XXXX {$10000.00} 8. Dept of ED/ XXXX {$10000.00} 9. Dept of ED/XXXX  {$8300.00} 10. Dept of ED/XXXX  {$7800.00} 11. Dept of ED/ XXXX {$7700.00} 12. Dept of EDXXXX XXXX {$7500.00} 13. Dept of ED/ XXXX {$5900.00} 14. Dept of ED/ XXXX {$5500.00} 15. Dept of ED/XXXX {$5500.00} 16. Dept of ED/ XXXX {$4500.00} 17. Dept of ED/ XXXX {$4300.00} 18. Dept of ED/ XXXX {$4100.00} 18. Dept of ED/ XXXX {$3700.00} 19. Dept of ED/ XXXX {$3700.00} 20. Dept of ED/ XXXX {$2900.00} 21. Dept of ED/ XXXX {$2600.00} 22. Dept of EDXXXX XXXX {$2200.00} 22. Dept of EDXXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation