BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am intrested in disputing all incorrect information on my credit report with transunion. checking my data ive noticed Alot of errors that is hindering my file. I'm intrested in updating my credit report to clear all my files.

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 2023-07-14
Company: Experian Information Solutions 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:
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.

The letters are stated with items and issues.

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 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 2023-04-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a best buy citi store card and since the start of me having this card its been nothing but problems. I cant place a order online because my orders all get cancelled for some unknown reason. Also my card is always gettting locked everytime i attempt to use it. When i call into customer service its almost always with someone overseas who has no business dealing with accounts they speak bad english and they are very rude. Ive called in numerous times with my the pin thats mailed to me and still its not good enough. Complete joke of a company

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 2023-01-25
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX, XX/XX/XXXX, I dealt with fraud scammers whole stole {$1200.00} from my bank account. I filed a dispute with Chime. In which they investigated, then today they denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: WELLS FARGO & COMPANY
State: CA
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 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-08-13
Company: Westcreek Financial
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i was under the understanding that i made a agreement to freeze the account back in XXXX and i finally with back to work in XXXX and i made a payment arrangement made a payment and was to start to make payments to have this account paid off and as soon as i made the payment west creek financial started reporting the account 60 days late now i had to pay the account off with money i don't have so my credit report don't have any bad marks on it i believe they lied to me and now they are saying i have to wait 30 days before they can do anything i do believe this may be a violation of the cares act. 

XX/XX/XXXX made a XXXX payment payment arrangement was to pay XXXX per month starting XX/XX/XXXX to have agreement paid off in XXXX XXXX but as of today XX/XX/XXXX i paid it off XXXX i believe they set me up to report this on my credit report and took advantage of me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 reached out to XXXX AND TRANSUNION ABOUT THESE COLLECTION ACCOUNT THAT DOESNT BELONG TO ME AND THEY ARE STILL ON MY CREDIT REPORT AND ALSO THE FRAUDULENT INQUIRIES I WANT THEM REMOVED ASAP

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 2023-05-14
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is Cashap stealing {$230.00} from my account. On XX/XX/23 {$1000.00} was deposited at XXXX. At XXXX a transaction from XXXX was made for {$230.00}. They claim I did not have enough to cover the amount and cleared it. After clearly showing {$1000.00} available And allowing multiple transactions to occur since then. Today {$300.00} was deposited in my account and they took the {$230.00} out of my account again. I was given No notice or indications prior to them taking my money today. They never showed Any negative balance on my account and I have had multiple deposits and transactions on that account between XX/XX/23 and now. This has caused me an extreme loss per this was my only funds available that family was giving me to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX Account NumbeXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 an 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 purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a 30-year mortgage with Pentagon Federal. A year ago this past spring, I decided to look at refinancing it, because of the falling interest rates. Of course I went to PenFed. 
After all was said and done, I was told that the monthly payment on a 20-year mortgage would be {$680.00}. This was quite a reduction in my monthly payment, and I took it. I did have one problem after getting the mortgage, I got a notice from my insurance company that my payment was due and hadnt been made yet. I notified PenFed, and it got made ; no one said anything about you know, youre supposed to be paying the insurance yourself, or anything like that. 
Everything was fine until this spring. I got a notice that my payment was being reduced to {$660.00} a month, and a refund check which I think was supposed to be a refund of excess escrow. I thought this was odd, and held the check a little while before cashing it. I should have held it longer, because I soon got another notice, this one that my payment was being raised to {$740.00} a month. 
I called PenFed, and and asked what was happening. I was told that my payment was raised because of my insurance. I contacted my insurance company and was told that no, the cost of my insurance had not gone up. I called PenFed again. And thats when I found out what really happened. 
When my loan payment was originally calculated, the calculation didnt include anything for insurance. ( And apparently they did this twice - when I first got my loan, and again when my payment was reduced to {$660.00}. ) I asked why, and was told that when I applied for the loan, my insurance had just been paid, and why would they charge me for something that had just been paid? ( Isn't that what escrow is for? ) The same representative who said this also said I should have been told that my payment would go up. 
Calling PenFed has offered me no relief, the representatives will only tell me that my escrow account is low and I need to catch it up. So in XXXX I wrote to PenFed, at the published address for mortgage complaints, and have not received a response. They apparently calculated my loan payment without insurance Twice, but paid the insurance. This is their error, not mine, but now I'm paying {$64.00} a month more for it. 
The ironic part of all this is that PenFed held the mortgage I was refinancing, so they had my insurance information when I applied for the refinance. And my insurance was in escrow on that loan because they insisted on it - previously, when another institution held my mortgage, I paid my insurance myself.

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 2023-09-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Chase Business Account Claim Department in Texas Dear CFPB, I am writing to file a complaint against the Chase Business Account Claim Department located in Texas. Since the beginning of this year, they have been engaging in questionable practices that have greatly affected my business operations. 

My company officially started its commercial activities earlier this year and set up a website, requiring the purchase of various internet-related services. Suddenly, several domestic service providers in the United States, including the Chase Claim Department, seemed to have colluded against me. In the end, I had to set up the website 's server to a company in XXXX to run it normally. They either refused to provide services or, when they did, the services were all open source and were immediately canceled by me. However, they immediately joined forces to siphon funds from my account. This includes clear evidence in the form of emails and receipts showing payments made to the other party. My company has not received a single cent in its Chase account, and they transferred the funds directly to the companies providing the canceled services. 

From that moment on, Chase 's Business Account stopped depositing any payments to my account, and they have been withholding refunds and payments I have made for over a year. Additionally, this Department has colluded with other businesses to steal money from my account. I have provided evidence showing that these businesses did not provide any services, and their services were supposed to be free for 30 days. I only tried their services for a couple of hours and canceled within that timeframe. However, there have been multiple instances where they took my money and refused to refund it. It appears that they are returning the funds to the service providers, and I have been unable to recover these amounts. 

The main reason for these issues is that at the beginning of the year, I started various commercial activities, and I may need to try out new projects. Therefore, I experimented with several businesses, but Chase 's account handling department kept returning my money to the service providers and refused to help me recover it. They seemed to be aiding these businesses in stealing money from my account. This eventually led me to change the server settings for my website to ensure normal operations. 

I kindly request that the CFPB investigate these practices by the Chase Business Account Claim Department in Texas and take appropriate action to rectify the situation. I believe that their actions are unethical and detrimental to my business operations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: PA
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:
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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
At this time Coinbase has blocked me from getting access to an account that I previously went through all of the trouble of reporting them for, only to now not be able to get back into the account. This matter was previously addressed in # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened this account online ... everything was fine until I mobile deposited a check, they froze my account the next day and they wont let me close my account unless I go into a branch in person which is very difficult for me as Im XXXX and live on ssi and I have no mode of transportation, not to mention every month td bank would send me a statement and just take {$1.00} every month from the checking account to pay for paper statement fee ive tried everything in my power to work things out with this bank but they would not close my account neither send me back my money I Believe this is unconstitutional!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, around XXXX XXXX a wrongful XXXX transaction was made by mistake. It was notified to Discover bank immediately within 10 minutes in the hope that the transaction would not go to the first-time recipient yet. Discover bank 's customer service did not transfer me to their Dispute team and said that they couldn't do anything to help, they did not mention Regulation E to resolve this situation. Until XXXX, after researching by myself, I found out about Regulation E and called back, after I mentioned specialty about Regulation E, they gave me the phone number of their dispute team, but their dispute team is closed 30 minutes ago. I called back to Discover bank dispute team in the morning, they told me to call XXXX. I called XXXX, and a XXXX representative said they can help me but they need Discover bank to work with them since I did the transaction via Discover app, XXXX is unable to reserve the fund because they have no access to Discover bank data. I was stuck in between because Discover and XXXX did not work together to resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-01-03
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appear in my report without my understanding.

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 2023-07-14
Company: Experian Information Solutions 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:
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. 

The letters are stated with items and issues. 

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 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