BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been in contact with all three credit bureaus regarding an authorization by XXXX XXXX XXXX in the amount of {$240.00} on XX/XX/2023. This was a deposit for a car I was purchasing, but that fell through and I was then due to have the authorization reversed and the {$240.00} made available in my account. The merchant posted a separate charge for {$240.00} that same day, instead of releasing the initial authorization. Both transactions were done using my XXXX XXXX XXXX Credit Card with a {$400.00} limit. At this point, I had {$240.00} taken out of my account for the authorization hold, and another {$240.00} posted as a charge - putting my card at {$490.00} ( or {$98.00} over my limit ) and my credit utilization at 99 %, which resulted in my credit dropping nearly XXXX points with all 3 bureaus. As soon as I noticed this, I paid off the credit card on XX/XX/2023 to a {$0.00} balance, and was issued an additional credit from XXXX which gave me {$400.00} credit + {$240.00} on my XXXX XXXX XXXX  XXXX. I went from a XXXX down to a XXXX when XXXX XXXX XXXX reported the 99 % credit utilization to the three bureaus on XX/XX/2023, despite the fact that my balance was at {$0.00}, and my credit utilization was also at 0 %. As of today - all three credit bureaus still show I am at 99 % credit utilization, and I still have an outstanding balancd on my credit card of {$390.00}. They STILL haven't updated the balance and the credit utilization, although XXXX XXXX XXXX told me they reported my {$0.00} balance on XX/XX/2023 to all credit bureaus. The thing that is most upsetting is that my credit score took a nose dive due to a mistake that XXXX caused when they charged me a second time, putting my credit utilization at 99 % - and none of the credit bureaus have corrected this NOR have they issued back the credit points I lost because of this.

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 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I purchased a silk shirt from XXXX and then after receiving it, I found its not a silk shirt. XXXX refused to help and says its final sale. Its basically lying to customer about the fabric, so its defective.I contacted capital one credit card and capital one dispute had a charge back on my account several days later, without even an investigation. I think capital ones dispute process is truly broken. Ive had several charge backs like that and its simply not working. 
{$32.00} on XX/XX/2021

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I am unsuccessfully trying to get updated on my accounts being closed. I called the number as recommended once I was locked out of my accounts, and was told they could not tell me why my accounts were closed I just had to wait for a letter and XXXX days to get my savings back! I am rightfully frustrated, and to top all of this off the agent hung up on me the first time I called! I then called the corporate number and could barley hear XXXX as she was giving me basically the same information except this time I received a reference number # XXXX. XXXX then gave me a number, and the name XXXX to speak to about my case, I called the number turns out it was the exact one I called this morning ( XXXX ) XXXX. I don't think it is unreasonable to know why my checking and savings accounts have been closed without notice, or to have my money returned to me without waiting XXXX months! Could someone please rectify this in a timely manner? I was originally locked out of my online account on or before XX/XX/2023 ; I called them XX/XX/XXXX, XXXX and emailed. The response to my email : Citi Reference Number : XXXX Hello XXXX, Thank you for contacting Citi. We received your correspondence. Please be assured that your communication is important to us and will receive a deliberate and thorough review. 

We appreciate your patience while we investigate this matter. If applicable, we anticipate having a response to you within XXXX calendar days. Should you have any questions or wish to provide further information regarding this matter, please feel free to call us at XXXX. * Our business hours are Monday Friday, XXXX XXXX XXXX XXXX., CT, with the exception of holidays. 

I do not want to use this financial institution any longer I just want my savings back. 
Thank you

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 2019-01-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My checking account at Chase was compromised by someone printing and cashing fake checks that were not in my name, but had my routing and account number at the bottom. The checks were printed as if from various companies, like insurance and legal companies. Checks did not have my name or signature anywhere. See an example attached. 

In total, about {$10000.00} were lost from my account due to this. 

In a span of three days from XX/XX/2019 through XX/XX/2019, hundreds of such fake checks were cleared from my checking account. Normally I would rarely write any checks. In the past I wrote probably one check a month or so.

Chase proceeded to approve these transactions and cleared funds from my account. I was alerted to this happening by automated email from Chase about my account being overdrawn. In addition to fraudulent transactions, Chase charged three separate overdraft fees to my account. 

Upon receiving an alert and realizing the problem on XX/XX/2019, I contacted Chase by phone, then visited the branch, where I opened a claim with Chase. Chase froze the account and informed that it would take 3-5 days to process my claim.

Two weeks later, as of XX/XX/2019, Chase has not refunded my money ( around {$10000.00} ) and is claiming that the investigation is still ongoing. 

I asked why Chase can not proceed with reimbursing me while their investigation is ongoing, but did not receive a satisfactory response. 

Essentially, the same can happen to anybody with a Chase checking account, as it's apparent that Chase doesn't have any automated monitoring or alerting around suspicious checking transactions, does not verify that checks even have an account holder 's name or address on them, and does not verify signatures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22
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:
Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR 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 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America closed my accounts with them and canceled my credit card which had {$1500.00} in bonuses on it. 

They would not give that money to me and denied me access to it. 

Basically. My account representative at Bank of America told me to go through them

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 2017-06-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I currently bank with Wells Fargo and am using an app called XXXX XXXX. In order for the application to run properly, my bank has to communicate with them and send them my information. This is being done at a very slow rate and it is literally costin me money. I would appreciate it if my bank was able to more efficiently, and effectively send and receive information from other companies so that this error would n't come up as much

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 2023-07-15
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, I received an alert from XXXX stating the debt collection company Caine & Weiner updated a {$0.00} balance to my credit reports under collections. The balance was paid to the original company. This collection account is affecting my credit negatively.

15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request payment validation, privacy, and accurate information on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene finance did not send any documents stating change in loan modification or give me information about new recast Nys haf is looking into where they applied funds and a lawyer is looking in predatory lending practices By trying to put in place a loan modification instead of recast I am still in arrears The bank has not been truthfully with agreement set forth by Nys haf Predatory lender

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX i filed a complaint about my hard inquires with transunion and its been over 30 days and these are all the inquires thats on my report : XXXX XXXX XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX  ( finance ) XXXX XXXXXXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( finance ) XX/XX/XXXX And there has been no respond

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 2022-04-19
Company: BARCLAYS BANK DELAWARE
State: MO
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 customer service

Complaint:
On XX/XX/XXXX, Barclay 's Windham Rewards card took a payment from my bank when there was a {$0.00} balance because I had auto payment turned on for the statement balance, but I had made a payment in full by check before that autopay date. I even received an overpayment refund from the last payment. On XX/XX/XXXX, I advised them they took money from my bank when no payment was due. They informed that a refund could not be processed until 7-10 business days have passed from the date payment posted. I have reached out to them on multiple occasions only to get the same response. 
Additionally, they can not process a refund in the same manner they took it. I have to wait for a check. I have been debited {$2400.00} since XX/XX/XXXX. There still has not been a check issued to me as of 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 2022-06-19
Company: Experian Information Solutions Inc.
State: IL
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 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 an 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 explanation
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: Store credit 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:
on XX/XX/XXXX I made a purchase at XXXX XXXX in the amount of {$760.00} with 18months no interest if paid in full. When I realized the card company was charging interest I opened a dispute on XX/XX/2023. Subsequently, the case was closed without contacting me, allowing me opportunity to present evidence of my claim, etc. I've tried on numerous occasions to upload the receipt supporting my claim, I've tried using the chat function to figure out how to provide the receipt, today ( XX/XX/XXXX ) I called customer service. The representative refused to help resolve my issue, claiming I only have one interest promotion on my account, neglecting to understand I have the receipt for the second interest promotion. Her solution was for me to go to the store and have the manager call citi, or to mail the receipt to their po box . Both solutions requiring more effort and time on my part when we are in a digital age and could have easily emailed her the receipt to review and resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notices from Weltman Weinberg & Reis CO LPA attempting to collect a debt that i have no knowledge about. I requested copies of my consumer credit report to validate their claim and discovered a XXXX XXXX XXXX XXXX Account being reported with a balance of more than {$1000.00} I have contacted XXXX XXXX XXXX XXXX which is the original creditor about the fraud that is being reported as a result of identity theft, i attempted numerous of times to write Weltman Weinberg & Reis CO LPA about this matter however i got no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi I recently went and applied for a car at a XXXX dealership but when ever they ran my credit they hit me with a BUNCH of Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * US SM BUS ADMIN ODA * US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
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:
It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete this item as soon as possible. XXXX XXXX Opened Date XXXX XXXX, XXXX  Balance {$3300.00}.

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 non-monetary relief
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: IL
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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