BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. One bureau, Transunion has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. Transunion once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other two Bureaus XXXX even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. XXXX violations total is XXXX, between the 3 accounts. Transunion violation total is XXXX, between the two accounts. XXXX  total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-04-22
Company: Experian Information Solutions Inc.
State: OH
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:
The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. One bureau, XXXX has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. XXXX once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other two Bureaus Experian even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. XXXX violations total is 35, between the 3 accounts. XXXX violation total is 20, between the two accounts. Experian total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-09-09
Company: DriveTime
State: IL
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:
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX  XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX  XXXX ) of any sort. 

In regards to The company ( XXXX  XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX  XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My wife, XXXX XXXX and I had Traditional IRA and Roth IRA accounts with Capital One bank. Without our knowledge, our accounts were transferred to XXXX XXXX XXXX in Illinois. The company has been charging Predatory fees for maintaining accounts and mailing statements. 

Each account was charged {$35.00} maintenance fees and {$10.00} mailing fee ( total of {$90.00} for each of us ... {$180.00} in total ). They refuse to credit the account for the fees. The were charged for the year 2022. 

When I asked to have our accounts transferred to XXXX, they said, each account will be charged {$25.00} ( total {$100.00} ) for our four accounts. 

We have not received any communication from Capital one or XXXX XXXX company. We would not have approved this we knew about this predatory charges. We are totally helpless. 

I read XXXX complaints and reviews about XXXX XXXX company which echo our feelings. 

They told me they are not regulated by any Federal agency and are only regulated by State of Illinois. 

We are asking for refund of are fees and waiver of transfer fees to XXXX ( Total of {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
-XX/XX/XXXX Lost wallet and ID document, SSN, Driver license, XXXX XXXX  , 3 XXXX XXXX XXXX debit card , XXXX  ID and Driver license, 1 XXXX XXXX credit card. 

-Replace all lost document. 

-XX/XX/XXXX Notice from XXXX  report about new bank account open at People  united bank : open on XX/XX/2019 and notify call center about the issue. 

-XX/XX/XXXX Verify ID at Peoples united bank XXXX Branch XXXX XXXX XXXX XXXX, NY, USA XXXX . XXXX XXXX bank representative verified my ID and told me That now account was closed and have {$45.00} fee left. Then he contacted Fraud department and recommend me to disputed on XXXX   report. 

-XX/XX/XXXX Dispute to XXXX report . 

-XX/XX/XXXX Visit XXXX XXXX  precinct police officer demand letter and proof of victim of identy theft to make police report. Call the bank representative. Then i call Customer service, she give me address to send the dispute letter. 

-XX/XX/XXXX Send the disputed letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX XXXX  refuses to work with me. I have a financial hardship that has prevented me from making on-time payments. It's nothing new people not showing me any mercy or grace. Now they are sending me threatening voice mails. I have made a payment arrangement on XXXX. My payday is on XX/XX/. Not on XX/XX/. I can't help that. I don't get paid on the XXXX of the month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have constantly been in communication with the company about what day I would be making my payment but they keep calling me and my job harassing me stating that they will not be able to hold the loan. For my XX/XX/2020 payment, I explained to several of the reps that I would be making the payment on XX/XX/XXXX. However, each rudely told me that that was not acceptable and they could not notate my acct unless I came in person and sought out other avenues. The reps continued to call harassing me and my job up until Thursday, XX/XX/XXXX. I told the rep on that day that since they could not respect and honor my commitment to make my payment on the XXXX, that I will not be making the payment on the XXXX due to the harassment. I even spoke with the manager XXXX and the same rude unprofessional comment ensued. She states that they do not accept and honor scheduled payment dates over the phone. I told her that I will make the past due payment on XX/XX/XXXX and if they continued to harass me up until that point, I will continue to withhold payment. This is a ruthless, unprofessional group of sharks that are out for blood and is not willing to respect their customers and the dates that they are able to pay. They continue to call and harass, which is unacceptable. I do not ignore their calls and when I say I'm going to pay. I want the constant harassment to STOP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Agent XXXX XXXX of XXXX told me that her investigation found that XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX XXXX noted her findings in comment # XXXX in their system. She also sent me a dispute form and walked me through exactly what to say on the form and reference comment # XXXX. 

XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX will not take ownership of this computer glitch. 

XXXX will not PUBLICLY acknowledge that their system has a problem and has refused to correct the late payment credit reporting on my account. Now XXXX has locked me out of my account completely. ( see attachment ) I made of 40 calls trying to resolve this matter. During that time I was under the direction of agent XXXX XXXX. Now XXXX will not allow me to speak with her regarding her internal investigation. They are now saying they have no record of this in their system. This is not right for XXXX to do this to consumers of their products. Please help me with 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 explanation
Consumer complaint received 2023-01-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim # XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Chase Bank, Fraud Dept Fax # XXXX Re : Claim # XXXX On XX/XX/XXXX XXXX XXXX XXXX was contacted by phone someone claiming to be from Chase Bank XXXX XXXX. He told her that fraud had occurred on her joint account with her husband, XXXX XXXX. He was able to mention several legitimate charges and then mentioned a {$2000.00} XXXX transfer to son, XXXX XXXX ( also a customer of Chase Bank ), a transfer that we never made. He said that we should get XXXX on the phone with him still on the line and get XXXX to transfer the money back to our account through XXXX. He said that if he didnt do that, he would be included as a suspect in the fraud. So, XXXX transferred the money back through XXXX, but it didnt arrive back in our account. Then, another {$2000.00} was transferred from our account ( though we didnt do it ) into XXXX account. He was told to transfer it back to our account, and he did. But it never came back into our account. XXXX tried a third time to transfer the {$2000.00} back ( since he thought something went wrong with the XXXX transfer since it didnt come back into our account ), but none of the money ever came back into our account. It was obviously intercepted by the gamer when XXXX tried to transfer it back to us. 

We made a claim with Chase Bank, and it was denied. Chase Bank sent us {$2000.00} back temporarily while the investigation took place, but then took it back after they concluded their investigation and ruled that all those transfers were legitimate and done by our devices. After this claim was escalated, Chase Bank eventually sent back {$2000.00} into our account. But not the full {$4000.00}. 

After two phone calls with Claims supervisors, both of whom purposely disconnected us and hung up on us, we are faxing the documents that clearly show that Chase Bank needs to send back the other {$2000.00} to our joint account ( which has been frozen and another opened ). 



Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX  I had perfect credit I then went to XXXX XXXX XXXX XXXX XXXX I met a girl who was a XXXX XXXX  she told me that she could get me released early so I gave her my information and she begin to use my information inappropriately she opened an account with US Bank, and XXXX XXXX  when I was released I filed a police report. I sent it to all the bureaus and ever since my credit has been restricting me to uncomfortable living conditions as a result of some inaccurate information there is over 57 addresses on this report a clear indication that something is incorrect when I have been at only three locations my entire life.

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 2023-01-07
Company: EQUIFAX, 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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I requested that two items needed to have a stop pay because they were redundant and I had already paid them or scheduled a payment. I specifically stated I wasn't disputing the charges and that the companies weren't at fault. The Citibank Dispute representative didn't understand that and had a very poor understanding of how her bank works along with poor English skills. 

Citi sent me forms to fill out to pursue the " disputes ''. I never filled out these forms and decided it was easier to leave the charges as they stood. 

Two days later I couldn't log into my account and was directed to a number. I called the number and the man who answered stated he called me. I never received a call from Citibank. I don't recall ever receiving a call from Citibank, ever. 

I was run around in circles for two hours to finally get the information that my account was locked due to fraud. There was no fraud. I specifically claimed that I was responsible for the issues I was trying to get rectified. I couldn't get anyone to listen. What kind of global bank  operates this way? 

I was then yelled at because I had ACH deposits that I needed access to. No one would give me an intelligent answer. I was then informed by the fraud department that any transactions received would be returned including ACH deposits. This was completely false-they had made it up and lied about it. 

The lock-out happened on Weds XX/XX/. A social security ACH deposit was accepted by Citi on Friday, XX/XX/. I need access to these funds. Citibank refuses to release them. 

I have been yelled at, consistently fed false information, and treated unprofessionally. I need those funds released, not in 60 days but now. What kind of bank employs people who have no business interacting with their clients.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: VA
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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-09-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I bought XXXX in the amount of {$340.00} on XX/XX/2023 with MoneyGram International and when I tried to sell my XXXX and pick it up at a store they blocked my account and said they would send me information in 60 days. I really need my money, this is an inconvenience to me and my family. I can not wait 60 days for money that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The investigation is taking longer than 30 days, I wasnt provided any proof of claim towards the account in question, I wasnt showed any results, and the accounts wasnt deleted as it should by law.

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 2018-10-10
Company: BCB Investments LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX has put {$1700.00} collection on my XXXX report I have sent 3 letters asking to verify debt letting them know Im unaware. They have not responded once asked XXXX to verify or remove on several occasion. They state that debt was verfied I ask how they did not provide answer. Last attemt I sent out was XX/XX/XXXX, to both parties XXXX XXXX came back an stated that debt was verfied on XX/XX/XXXX, How is that when I asked you the next month? Please help me to get this bogus debt removed from my XXXX file there the only agency reporting this.

Company response to consumer: Closed with explanation