BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wanted to make 2 transactions to move money to my Fifth Third Bank moving {$8000.00} from my XXXX XXXX XXXX  and transferring {$5000.00} from my XXXX account both transactions were initiated on XXXX XX/XX/2023. 
Before this I had completed the 5/3 external bank transfer security deposits so I could initiate both transactions via the 5/3 website. 
A week goes by and the money isn't in the account and soon after they call me to tell that they couldn't verify the funds because they thought there was 'fraudulent ' activity despite me initiating the transfer via logging in and also completing the electronic small deposits. 

By the end of XXXX after I had called every weekday, they opened a case to investigate. They told me that a third party operator has the money and it would be returned by the XXXX XXXX to the accounts from which they came. 
On the XXXX XXXX {$8000.00} shows up in my XXXX XXXX XXXX, but nothing in my XXXX account. I check my fifth third account and the checking balance is negative- {$480000.00}, the balance should be {$0.00}- they said because the account has a hold on it - nobody told me I received no call to tell me that was happening or even a letter. 

I called XXXX XXXX after waiting anxiously for the 5 business days to see if the money would show up in the account. But 5/3 told me that I have to contact XXXX to claim my money back?!? 
They said that the third party operator who handles the money that is being transferred ( even though I initiated the transfer through 5/3 website ) might not be able to return the funds because of fraud. 
I asked how I would go about doing this, since XXXX would not know anything about this case, and the 5/3 representative told me they didn't know or the name of the company that was handling the funds. 

I am attempting to explain the situation to XXXX, but I am left in a situation of uncertainty with little to no help, in which I have to consistently chase answers from 5/3.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 2022-11-10
Company: U.S. BANCORP
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: Card was charged for something you did not purchase with the card

Complaint:
My father passed away on XX/XX/XXXX. I notified his credit card companies ( Elan and XXXX XXXX ). Both said that the accounts would be closed and no additional charges could be made. Per my request, Elan sent a refund for {$120.00} on XX/XX/XXXX, as there was a credit on the account. 

My deceased father received an XXXX statement from Elan with a {$49.00} charge from XXXX XXXX XXXX MD. XXXX ) I have no idea who this is, and XXXX ) there were not supposed to be any additional charges on this card as of XXXX. 

I called Elan on XXXX. At this time, representative XXXX told me that the account was not closed. She referred me to the deceased cardholders department. 

I called this department on XX/XX/XXXX. Representative XXXX said that they have kept the account open for charges bc they didn't receive a death certificate from me and couldn't find one as part of public records ( In contrast, XXXX found it in public records and closed the account immediately when I called them. ) XXXX says that I must fax the death certificate and wait around 2 weeks for it to be processed. In the meantime, the estate is financially responsible for any charges made on the card. 

Regarding the current charge, she said it is up to me to contact the business. However, I don't have any information on how to do so.

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 2023-10-06
Company: BANCO POPULAR DE PUERTO RICO
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed twice to Banco Popular of Puerto Rico and XXXX that the information in my Credit Report is incorrect. I had a Foreclosure of my house and my last missed payment was in XX/XX/XXXX. Even though the other XXXX Credit Bureaus has eliminated this foreclosure in my credit report, XXXX continues to report the foreclosure. Banco Popular reported the foreclosure in my credit report in a confusing way every month using incorrect credit codes as XXXX  and in XXXX ( 4 years later ) they are still reporting for XXXX consecutive months that I had XXXX XXXX XXXX  past due when my last payment was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
They say I owe XXXX. I do n't They credit my account wrong.They put my payments in my escrow AND DIDNT CREDIT TO MY PRINCIPAL.i PAID RECENTLY TOTAL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
THEY WILL NOT REMOVE AN ACCOUNT THAT DOES NOT BELONG TO ME. IT WAS REMOVED AND THEY ADDED IT BACK TO MY CREDIT REPORT. I DEMAND THIS ACCOUNT GETS REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I WILL MOVE FORWARD WITH FILING A LAWSUIT.

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 2023-04-18
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone hacked my chime account and stole {$9900.00}. I disputed it with chime and they denied the claim stating that no error was found. I dont know how that is possible when I never authorized those charges. And the merchants for the charges are fakes you can just XXXX  them and tell it was fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Account locked after legitimate transaction erroneously flagged. More than a dozen attempts to contact customer support. Repeatedly told I would be called for follow up ; never called. Capitol One continues to refuse to discuss account or resolve erroneous account restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX... I have previously disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2017 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me the Transaction History Report that I requested from them a few weeks prior. I requested the report because I believed there existed errors in the balance shown on my credit report, and in the letters they were sending to me in attempts to settle the account for my repossessed XXXX XXXX XXXX ( repossessed in XXXX of XXXX ). After reviewing the account transaction history for the first few payments on the loan ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I noticed that the amounts I was charged for interest was too high. Additionally, there was a random fee of {$7.00} for the month of XX/XX/XXXX. The customer service representative who I spoke with for more than XXXX hour was unable to explain to me the reason for that fee or other codes and extraneous fees on the Transaction History Report. 

She stated that I was going to be speaking with the 'President ' of her department, but she refused to specify the unit within XXXX XXXX that this 'President ' would be representing. Needless to say, I was never able to speak with that person, although I was on hold for an extended period of 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 explanation
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: MD
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:
Chase XXXX XXXX XXXX De XXXX reference # on the letter is XXXX I received a letter about a delinquency or other derogatory relationship with chase bank . I do not think I have ever had a bad relationship with this bank. I do not think I have ever had an account with this bank.

My husband recently passed away. He had an account with this bank which I paid back. Over several conversation I had with this bank I had difficulty paying back the amount owed. The amount of money was not large. The problem must be about something else with the transaction.

I would like to know why this complaint has been held against me. I do not want this to affect my credit score. As a recent widow I feel that I should have a better explanation. 
Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
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:
These accounts have led to the deterioration of my credit score and have directly resulted in my current living situation in a shelter. The following collection accounts, which do not belong to me and were not authorized by me, have severely affected my financial well-being : 1. Account Name : XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$78.00} Date Opened : XX/XX/XXXX 4.Account name : XXXX XXXX Account # XXXX Balance : {$8800.00} Date openXXXX 5.XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Date open : XX/XX/XXXX Balance : {$380.00} The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter.

I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA.

I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation.

Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I received notification from XXXX XXXX that my credit score had decreased. I pulled down my credit report and noticed several hard inquiries on my credit report. I called and asked them to remove them as I am a victim of identity theft and they ( a ) Accuracy and fairness of credit reporting. 
The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Stated they would reach out to the creditor. Transunion has violated 15 U.S. Code 1681, Attached is a copy of the FTC Statement, Credit Report from 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 2022-11-10
Company: ACIMA CREDIT, LLC
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 recently got a copy of my XXXX report and noticed and unfamiliar account with a bank I've never used. Acima Digital is furnishing a fraudulent account on my report with no 30-day notice. I know that is a violation of my rights pursuant to 15 USC 1692g because I was never given a chance to see the debt nevertheless challenge the validity of the debt. I have attatched an FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 party. 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 2023-10-07
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
They were charging me unnecessary fees and once I paid my car note on time they would still cut my car off to obtain more money this is in reference to a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Old information reappears or never goes away

Complaint:
TransUnion continues to report inaccurate information on my credit report even though the company sent me a letter claiming they removed the disputed information. The following information does not belong to me : XXXX XXXX  XX/XX/2022, XX/XX/2022

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