BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the transunion, XXXX and XXXX  regarding this and i was told to get an FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-10
Company: JPMORGAN CHASE & CO.
State: WA
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:
I am not liable for a debt with JPMCB Card ( JPMorgan Chase Bank , N.A . ) reported incorrectly to my credit report. I do not have a contract with JPMCB Card ( JPMorgan Chase Bank , N.A . ). 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with JPMCB Card ( JPMorgan Chase Bank , N.A . ) matching these records. They did not provide me with the original contract as I requested. 
JPMCB Card ( JPMorgan Chase Bank , N.A . ) claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. JPMCB Card ( JPMorgan Chase Bank , N.A . ) is in violation according to 15 USC 1681a1 and 15 USC 1681a2. JPMCB Card ( JPMorgan Chase Bank , N.A . ) have caused a negative impact on my credit report due to the inaccurate information they have reported. 


Further, I am also not liable for a debt with XXXX  XXXX XXXX, XXXX. reported incorrectly to my credit report. I do not have a contract with XXXX  XXXX XXXX, XXXX. 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with XXXX  XXXX XXXX, XXXX. matching these records. They did not provide me with the original contract as I requested. 
XXXX  XXXX XXXX, XXXX. claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. XXXX  XXXX XXXX, XXXX. is in violation according to 15 USC 1681a1 and 15 USC 1681a2. XXXX  XXXX XXXX, XXXX. have caused a negative impact on my credit report due to the inaccurate information they have reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: AmeriHome Mortgage Company, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, and XXXX, XXXX, XXXX, I tested positive for XXXX   while providing care for my XXXX year old mother in Indiana but my home is located in XXXX  DC. I called my mortgage company, AmeriHome, informing them of my illness on or about XX/XX/XXXX leaving a message for a return call. I also informed them I was in quarantine and please call. Amerihome never returned my calls .I made subsequent calls on XX/XX/XXXX, XX/XX/XXXX and emailed them on XX/XX/XXXX, because Amerihome failed to return my calls inquiring about options. As a result I went into my retirement account in order to bring my mortgage current. Amerihome failed to tell me about mortgage relief and simply demanded that I bring my mortgage current or face foreclosure and reported my mortgage as late to the credit bureau. When I went onto the Amerihome home website I could only make one late payment at a time which caused my XXXX, XXXX, mortgage payment to be late. I called Amerihome customer service several times and was finally able to reach them on XX/XX/XXXX, and they told me that there was nothing they could do and still failed to offer mortgage relief to me. I learned about HUD sponsored mortgage relief from a friend on XX/XX/XXXX. I called Amerihome on XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX to obtain but the number for mortgage relief/assistance always has a busy signal which is unacceptable in XXXX so I emailed them again on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: SYNCHRONY FINANCIAL
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Searched internet for a higher interest rate for my savings account until I paid quarterly taxes the next XXXX payments so I transfered {$28000.00} from XXXX XXXX  on XX/XX/XXXX to Synchrony high yield savings account. Also, wanted a savings account to deposit savings into on a regular basis with every paycheck. 

Quarterly taxes were due in XXXX. I tried to pay them using the debit card they supplied but it has an expiration date out of range for IRS XXXX website. 

So, I needed to transfer {$7000.00} back to XXXX XXXX, so I could write a check and pay my taxes to IRS and XXXX XXXX XXXX. Synchrony then restricted my account and cancelled the transfer. 

Hence, I had to borrow {$7000.00} from our family business to pay my taxes and next quarterlies are due in XXXX and my license plates and home insurance is due in XXXX. 

I have called multiple times to ask them to contact me and request documents to resolve this situation to no avail.

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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had money in my checking account ready to be drafted from XXXX, the company usually takes a few days to draft money from my account through account number not card so I always take that into account. The amount that was supposed to be drafted was {$1700.00} which was more than enough in my account. The draft usually happens by the XXXX or XXXX day of the month when I submit the payment on the XXXX and I have never missed a payment with this company before this incident, that is a documented fact. I check my bank account on the XXXX of the month and the rent draft bounced, the lease transfer fee was still there, about {$2.00}. I check to see why and two transfers of {$400.00} and {$420.00} with reference numbers XXXX for both that occurred on XX/XX/2023 for transfers that already happened on XX/XX/2023 to my credit account. I usually pay my credit card by transferring money directly from my checking account. I already spoke to multiple representatives one said they couldn't verify on the checking side, but one on the credit side could see an error. I Filed a complaint with one, but I never heard back. I spoke in person to a manager at a local bank in XXXX XXXXXXXX, CA and they told me to deal with the issue through the BoA app. Very helpful advice, I'm forever grateful. I spoke to the management at the apartment complex and said I would not be charged late fees because of my clean record and that I would just have to bring a money order. Well the next day I'm hit with an unauthorized draft of {$25.00} from XXXX. No problem, I just have to access my XXXX account, well they locked me out and I couldn't remove my payment info so they could keep drafting at will. Keep in mind there was no way to contact XXXX  personally, I tried for hours. I reported fraud, obviously, and one very helpful representative was able to see my whole account and saw the discrepancy and helped me get the late charge credited back and helped me freeze my account to prevent further unauthorized drafts from my account and allowed me to draft any money that I might need, I am very grateful for that, not being sarcastic here. It's been several days and I have not heard one word about the incident and times are very tough for me, I need that money, {$820.00} might not seem like a lot, but I'm struggling here. I have plenty of screenshots for proof and I'm sure BoA has the phone conversations recorded, don't worry about that.

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 monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: CHARLES SCHWAB CORPORATION, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 I opened an account with XXXXles Schwab Bank. 
On XX/XX/21 I sent a transfer of {$12000.00} from my XXXX bank account to my Charles Schwab checking account. The transfer was received and credited to the Schwab account. 
On FridayXXXX I sent a wire transfer from the Charles Schwab account to my brothers XXXX  XXXX XXXX account . The online notification from Charles Schwab indicated that the transfer was successfully submitted. 
On the following Monday XX/XX/21 I discovered that the transfer had not been made and that my account was locked and under investigation When I initially called customer service I was told that as it was a new account, it was being scrutinized and it should be cleared up and unlocked in 3 -5 days.

Later on another calI, I was told by another rep that it would be 3-5 days. After more calls I was told it would be 5-7 days before the situation was resolved.

Now, going on 3 weeks and dozens of calls to the Schwab, I am being told that they are holding the account on lock down in perpetuity. They give no cause, no solution and are simply choosing to keep my account locked with no available action or redress on my part.

Customer service and their supervisors have told me multiple times they can only email the Schwab fraud team, the ones that are reported to have locked the account and hope for a reply.

I have heard this at least a dozen times now and yet no resolve. I spoke to a supervisor and was told the same exact thing word for word that they have no direct way of communicating with the fraud team and can only send emails.

Both the customer reps & the supervisors allegedly sent emails to the fraud department manager and still there has been no move to resolve the lock down On XX/XX/21 a Schwab rep told me that Schwab fraud dept. is waiting to get a verification from XXXX XXXX  of my account there ( where the funds initially came from ) before allowing me access to my money. 
On XX/XX/21 I placed calls to Chase Bank and was informed that they have not been contacted by Charles Schwab regarding this matter.

Schwab has confiscated the money in my account, given no indication if, or when it would be returned, and there is no redress to my grievances, or recourse to the situation.

Charles Schwab will not tell me why it was locked down or what can be done to unlock it. They further indicate they can keep my money in perpetuity. Therefore I am filing this complaint against Charles Schwab as they indicate they are keeping my money and leave me no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
Dear TRANSUNION, 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 I recently received a copy of my TRANSUNIUON credit report. The credit report showed a credit inquiry by your companythat I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless Ihave authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for meto acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as toforward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, Thank you for your time,

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 2022-01-03
Company: DISCOVER BANK
State: NV
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:
reported it several times to discover company but they never paying attention. they keep on telling me its me. My signature on the card is like XXXX my intiial. I lost the card and reported to them but it was used already. it so easy to copy my signature. I told them to help me several times. its not my transactions. Nobody helps me. Please help me to fix this it gives so much impact in my credit score.. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
While setting up and online payment for property tax for the city of XXXX, CT. I was instructed by Citibank 's website to accept the mailing address in their system. The result of this acceptance the tax payment went to the city of XXXX, IA. There were two separate payments one for XXXX on XX/XX/XXXX and one for XXXX on XX/XX/XXXX. I request proof of payment from Citibank when I was informed that my tax payments were late. I brought the proof of payment to the controller office in XXXX. There was no information on the proof of payment that would allow the controller 's office to locate the funds. It was with the assistance of the bank manager that we discovered the payments actually was setup to be delivered to Iowa. I contacted Iowa 's Mayor and City Clerk, they could not find any funds matching those amounts on those dates. I went back to the bank manager explaining that I needed the actual bank account or bank name and address so that I could give the City Clerk more specific information. Again I was given a report of the Electronic Transfer without any reference to any account in Iowa. With the bank managers support we requested a funds return due to the funds not being deposited by the correct payee. I was sent a letter that stated it was too late to request the funds be return and that I should contact the payee directly. At this point I reported the transactions as a fraud case, since Citibank was convinced the monies had been transmitted correctly and the payee claimed they never got the funds. I was hoping that a fraud investigation would reveal the account where the funds were deposited. However the fraud investigation concluded the Citibank had transferred the funds correctly and there was not fraud and that if I wanted to get the funds return I would have to contact the payee. The bank manager then escalated the case to his manager but so far no one at Citibank seems to have the skills to investigate their own database, trace the payment and find the account where the funds are sitting,

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 2022-12-12
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I made an electronic payment of {$3500.00} to my credit card company from my bank. The bank statement shows the transaction but it was never credited to my credit card account. I understand that the payment was sent to my old account number that I had used in the past but due to a computer up grade at the credit card company it no longer matched the old and new numbers. I have tried to resolve the issue with the credit card company giving them 90 days as they required but no resolution. I have sent the documents they requested and my bank has tried to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: 1 STOP MONEY CENTERS, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called due to my job cutting our hours to make payment arrangement for my loan on XX/XX/XXXX I was told that they would note my account for the amount being paid on XX/XX/XXXX for {$170.00}. On XX/XX/XXXX {$240.00} was withdrawn from my account unauthorized by me. I have called and disputed the charge but they said there nothing that can be done because that is my past due balance. I stated the whole point of making arrangements is to be able to pay what I can without jeopardizing feeding my children. I feel this practice is against the law especially with the Covid Cares Act in place. Our business is slow due to new cases and I am being penalized with unauthorized charges. I want my loan removed and wiped clear for the collection calls and unauthorized practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 is missing that should be on the report

Complaint:
I have tried numerous times to tell TransUnion that XXXX XXXX XXXX is reporting the wrong address an address I have never had on my credit report for an account that account is inaccurate and needs to be deleted immediately please check the address this is not my address or never has been

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