BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My transunion credit file is locked to prevent unwanted credit inquires. My data was leaked in all the big leaks XXXXXXXX XXXX XXXX XXXX XXXX and others. I notice even though my file is locked or frozen when a company tries to run my credit report transunion still lowers my credit score for having a new inquiry.

Is freezing your credit file supposed to keep companies from checking your credit? Then why lower my score for an inquiry that led to nothing? 
Unless they still allowed the company to gain my credit 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 2022-07-14
Company: Experian Information Solutions Inc.
State: TN
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, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/18 i placed an order with the company XXXX with order # XXXX in the amount of {$640.00} I never received the items. I contacted XXXX and attempted to contact the merchant but found it very difficult to speak with a human. After several unsuccessful attempts I contacted my bank PNC and told them I wanted to dispute this charge. They gave me a provisional credit of the funds. I NEVER received a document in the mail asking for more information or telling me that they were going to collect the provisional credit back because my investigation didn't have enough information. Almost 90 days later, I contacted bank when I saw funds were missing they said I could re-dispute charge again. I did and went to bank to fill out form and was not permitted provisional credit this time. My claim was denied again within the week. For the length of time that has been passed since being originally charged. This is unfair and unjust. I was told I was allowed to dispute charge up to three times. So I attempted one last time and claim was denied for same reason. Too much time has passed. I was told to contact merchant so I did and an investigation was held I was told I could receive a possible store credit. At this point, I really wanted my money back but would be satisfied with something. All I was granted was a {$50.00} gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had been a customer of BofA for over 30 years, but closed my account after moving to a XXXX town in Texas with no local BofA close by. I was told that my money could not be transferred to my local bank and that I would have to wait for a cashier check. I was told that my account was closed and when I went online to check I couldn't get into my account any longer so I accepted that it was closed. 
When I didn't receive my check, I called and was told that it takes two weeks to close an account. That seemed odd, and then I was told that it takes another 10 business days to mail the check. 
After a month, when I called again I was told that the account had never been closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEED that money now. They had no right to withhold it from me for that long. Now, I'm told that I will have to wait another 10 business days and with the holiday that's two weeks. I believe that the bank simply keeps your money as long as they can. Incompetent and criminal. 

Nothing can be done now, but someone needs to let these banks know that it is wrong to keep people from accessing their hard earned money when they need it to survive.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I received several emails from Capital One today, starting at XXXX XXXX  saying an account had been opened, password updated, and phone number changed. There were also numerous spam emails that came during this time. I called Capital One at XXXX. They said a new Capital One Venture credit acct. was opened today. Luckily, no charges were made yet. They created case # XXXX and determined it was in fact fraudulent activity. I reported fraud to all credit bureaus and froze my credit. Capital One would not give me any info about the person trying to open the acct in my name such as the phone number and mailing address they used. One of the spam emails that said another acct. was opened in my name said it came from IP address XXXX. I am currently going through and reporting many emails as spam that say I have created accounts for many random places in all sorts of countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NY
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 notified Equifax that I am a victim of identity theft and that there are fraudulent items listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: HOVG, LLC
State: AL
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:
On XX/XX/XXXX, Bay Area Credit Service was informed by the attached Dispute Letter that the {$190.00} charge was incorrect and they should not report my account delinquent. They then sold my {$190.00} " collection opportunity '' to XXXX XXXX XXXX XXXX who then reported my account as delinquent in XXXX ( SEVEN YEARS  LATER ). Luckily I kept the original Dispute Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS IS THE 5TH TIME THIS MONTH ALREADY IM DEALING WITH THIS ISSUE!!! WELLS FARGO EXECUTIVE AGENTS ARE NOT HELPING!!!
LOOK AT MY PREVIOUS COMPLAINTS!!!

MY CARD IS ALWAYS DECLINING AND CAN NEVER SPEND IT!!!

I NEED MY MONEY!!!!!!!!!!

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 2023-05-14
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased an XXXX from XXXX XXXX and I never received the order and did not get my money back are the product it was {$250.00} and I made the purchase on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I called in regards to a debt. I received two letters and a filing from the court. I have never spoke to anyone from this company or received any other information from them. 
When speaking to XXXX he told me I had two debts with him and asked me what I could pay hm today to resolve the debt. I told him I had {$100.00} today and he said that wouldn't be enough to take care of the two debts. He could give me only {$120.00} for the one. I asked about the third debt I had. He told me it was in another department and he could transfer me after I paid these two. I told him I wanted to know all I owed to them He said he couldn't tell me that but unless I paid him today he wouldn't give me the other offer again. I said I needed the whole amount and that's when he started basically yelling at me that he needed my payment before he could do anything and talking over me and telling me there's nothing he can do for me if I didn't pay him now. I told him Idid n't appreciate the way he was talking to me and he continued to be rude and ignoring what I was telling him. All he was concerned about me paying him today. He didn't ever once offer me the payment options that are in the letter they sent me either. He only wanted me to pay the both today. I spoke to the legal dept and made arrangements with them on the larger amount but I had to get a manager on the phone to transfer me to them. He would only give me the number to call myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX, I submitted a letter regarding unknown and inaccurate information on my credit report. As of XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and disregarded. I feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove the items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately, or I will file for litigation due to the unjust due stress you have caused me. Furthermore, my personal information was impacted by the XXXX  data breach andmay have gotten into the hands of unauthorized individuals.

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 2023-05-14
Company: Credit Karma, LLC
State: AR
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:
To whom it may concerns, on Sunday XX/XX/2023 I checked my credit scores on Credit Karma and pulled my credit report. It was showing no credit score and closed all accounts stating that I'm deceased. Well I'm still alive and well in good health. 
If they re-insert deleted negative information such as charge-offs, late payments, collections, and inquires after deleting EVERYTHING that's another violation of my Consumer rights under TILA and the FCRA. I only want positive accounts reporting on My Consumer report.

Under 15 USC 1681i ( 5 ) ( B ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I went into the US Bank branch in downtown XXXX XXXX on XXXX XXXX and inquired about opening a checking account since when I looked online they seem to have good customer service. After going through the whole process with one of the people at the branch opening account, they never got the login to work on the app or online but they said it will be fine and then just try to call later. When they asked how I would like to fund the account I said I do not have cash with me but I do have the money orders that I was planning to deposit into my other account with XXXX XXXX. She said money orders are no problem. You can use them to deposit with us and it'll be available tomorrow. After I deposited them and then contacted the customer service to get help with the login. I was contacted back later by some supposed fraud department. The person was extremely rude and accusatory and basically asked about two or three questions and then you said you know what we're just going to close your account then. Twitch I said that's pretty unreasonable but okay I can go back to the branch and then get the money orders since I have not had Any access to the account nor login and only had a temporary debit card that was not working either. I was refused that solution and told both in the branch to just contact the fraud department and the fraud department person said no. There's nothing you can do. We're going to just mail you a check for the amount. The check has never been sent. I have since moved from that property and it's been at least since XXXX of last year and the check is still not been sent and no follow-up via email phone or physical mail at all. I basically had given up any hope of trying to get my money back from them and kind of just forgot about it until somebody mentioned to try to file a complaint with you guys or another entity to get a response from the bank. So I'm hoping this will help get them to actually do what is right and just simply send me the funds that have been held hostage for nearly a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: AR
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 sent a letter to Equifax stating that they had violated 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining, money property, labor, or services on credit card. Notice, congress said Any card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transition below. I have attached the dispute letter I sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: GA
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 have violated my Federally protected consumer rights to privacy and Confidentiality under 15 US 1681. 
Account name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Has Violated my Rights.

15 U.S.C 1681 section 602 A. Stated I have right to Privacy 15 U.S.C 1681 section 604 A section 2. it also states that 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 7 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft 01 CITIBANK N A Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I filed disputes on my credit reports with Experian, XXXX and XXXX after learning that I had been the victim of identity theft, with an unauthorized credit account being opened for {$1000.00} in my name with XXXX. I filed my FTC identity theft complaint, as well as my police complaints, along with my filed disputes. By XX/XX/2023, XXXX and XXXX had removed the unauthorized account from my credit reports. 

Experian subsequently updated my account to also remove this unauthorized account, only to subsequently add it back to my report and the " credit grantor subsequently certified the accuracy '' of the account. When I attempted to submit additional documents in support of my dispute, namely a document from XXXX stating that I am not responsible for the account, which goes entirely contrary to what Experian claims the creditor told it, Experian told me that it would no longer be investigating my dispute and accused me via email of either : ( XXXX ) materially misrepresenting this fraudulent activity ; ( XXXX ) agreeing in writing that the information was blocked in error ; or ( XXXX ) knowingly obtaining or should have knowingly obtaining possession of the goods pursuant to this transaction. No other credit agency has found this to be true and I have a document from XXXX stating that I am not responsible for this account that Experian is unwilling to review.

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 2020-02-12
Company: EQUIFAX, 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:
I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX  XXXX  XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$60.00}

Company response to consumer: Closed with explanation