BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: U.S. BANCORP
State: WI
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:
Online payments are not using the account selected. I have 2 banking accounts entered for my card payment ( s ). This has happened multiple times over the past year. I am extremely careful to select the appropriate account, however when the payment is made the account is changed to the secondary account I have on file. 

This is creating overdrafts and issues with my other bank. Today my mortgage payment will bounce due to the issues with Elan 's website. I want this repaired as well as reimbursed ALL charges, interest associated with the website malfunctioning. 

When I called today I spoke to 2 people and they both told me it was my issue that I didn't select the correct account. I know for a fact that I selected the appropriate account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and make a payment. The only response I got was there is not way this can happen. XXXX XXXX XXXX I know glitches are possible and as a XXXX I know for a fact there is a glitch and the system did not use the account I selected. 

I am tired of having overdrafts at my bank because Elan Financial refuses to fix this problem. The confirmations from Elan when a payment is schedule only state payment has been scheduled. There is no confirmation number or account used. You only receive a msg stating your payment has been scheduled. 

Most recently amounts taken from the incorrect account are : XXXX XXXX XXXX XXXX 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 2022-03-30
Company: Experian Information Solutions Inc.
State: OH
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:
I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE THREE MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.

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 2018-08-13
Company: Experian Information Solutions Inc.
State: MO
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:
I called Experian hundreds of times over several months and Experian continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told Experian the XXXX accounts were closed. Experian insulted me when I called and refused to remove the inaccuracies even though all 10 XXXX loans are closed. Experian denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to Experian that they were violating FCRA and they just hung up in my face.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.

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 2022-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
During the period of XX/XX/XXXX to XXXX, I was scammed by fake crypto exchange and got big finance lost, most of fund transferred to us domestic bank which named as Chase bank and XXXX XXXXXXXX XXXX, I have called my sending bank to recall the wire, unfortunately I didn't get response. below is the detail transaction that is been made. 
XX/XX/2022 wired {$100000.00} to chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX XX/XX/2022 wired {$200000.00} to chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX. 
XX/XX/2022 wired {$400000.00} to Chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: GOLDMAN SACHS BANK USA
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The company approved for loan amount of XXXX in XX/XX/2019 first installment due date XX/XX/2019. I was verbally set up through customer service to have my savings account to make automatic payment monthly to also save in interest rate at 25 % verses 27.99 % Due to the monthly auto pay. On Monday XX/XX/XXXX I checked with my savings no withdraw had been made. I called Marcus Sach and they said there must have been and error when setting up the payment, Why did I receive the loan it was deposited with no problem they said they would arrange again to fix the problem On Tuesday it still was not fixed, I called again and they again said it was fixed. Wednesday no payment still I again spoke with this time a manager and he said to check with my bank the bank indicated there had been no attempt from them to withdrawal. On this day I made a one time  transaction to pay over the phone so it was successful. The interest rate is 5 % daily after the site date as these fees will fall at the end of the loan. It was not my fault as the agreement at the beginning also to get a cheaper interest having set up on monthly auto pay. I think that this was purposely done and may have happened to other consumers, I feel it is a scam and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
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 have disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2023-12-14
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen at XXXX XXXX XXXX. I am a XXXX veteran and was reffered out and seen at XXXX XXXX XXXX  for a medical issue. The Veteran Affairs office has already paid XXXX XXXX XXXX, this is an attempt to double collect the payment that they have already received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2019-04-25
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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-12-16
Company: Blackhawk Network Holdings Inc.
State: AZ
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This is a XXXX XXXX XXXX XXXX, and was registered on giftcardmall.com as is instructed to do so on the card itself. I also checked a couple of times and confirmed the amount, which is {$50.00}. I called XXXX and it was confirmed that the card was registered correctly. Here why I think this company is a BIG SCAM! They won't allow you to register until you agree that they can use your personal information. The rep. told me the only way to by-pass that is to talk to a rep, which I did, and she told me that they will not use my personal information. I have tried to use the card online ( which the card itself says you can use it in store or online, and both times it has indicated that the transaction did not go through because the card is not good. The card also says on the back " Distributed and serviced by XXXX XXXXXXXX XXXX XXXXXXXX '' I contacted them and got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
I have been a victim of identity theft for a number of years now. I cant seem to stop the activity. It has gotten very aggressive in XXXX. They accessed a website service I use and used my debit card on file to deposit funds until my bank account emptied, and then withdrew the funds to an outside account that was not mine. So the money is currently gone. The bank claimed they investigated but closed the investigation and did not retrieve and return my money. It was {$5400.00}. This is absolutely insane.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: PNC Bank N.A.
State: KY
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:
There were several fraudulent transactions made on my card. I did not notice these transactions because this is not my primary card I never use it because I use my actual bank account, also I did not have transaction alerts set up on this account. Once I noticed, I reached out to the bank to file the dispute and the bank denied it. I have since filed a police report so that I can have this investigated thoroughly. Here is a list of all the transactions that were not authorized by myself. When I initially filed the dispute they failed to include all the fraudulent transactions, so I had to file another dispute for those remaining transactions as well as re-dispute the original dispute due to it being denied. I am willing to provide my police report if needed as well as a copy of the denial letter from PNC bank once I receive it. 

Transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-01
Company: Maury Cobb, Attorney at Law, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have email threads with XXXX going back to XX/XX/XXXX with my XXXX business account rep, his boss and XXXX trying to figure out why we were sent to collections. Our account has been set to auto-draft since XXXX. Our business account was NEVER turned off and I don't know why we were sent to collections in the first place or ever notified. It took months for anyone to figure this out. I finally told them to just withdraw the amount from our checking account because I was sick of it. Next thing I know we received another letter from a lawyer- Maury Cobb Attorney at Law. They turned it over again!?!? I was no longer able to contact XXXX. I had to mail a check. I mailed a check on XX/XX/XXXX and now Maury Cobb ( as of XX/XX/XXXX ) STILL will NOT cash the check and our CEO 's credit continues to drop. I have written certified letters to XXXX XXXX XXXX Department with no response... I mean this is ridiculous!?! Please help. I can provide all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
In XXXX of 2022 I found 3 unvalidated collections had been added to Experian 's credit reporting service under my name. I disputed with this bureau last May and they left the collections in place. Then I contacted the collection agency, XXXX XXXX XXXX, mailing them via certified mail a request for them to validate the debts listed. On XX/XX/2022 they sent my a pack of documents that gave line by line medical codes, medications, and procedures performed. There was NO ORIGINAL SIGNED CONTRACT bearing my signature, no signed HIPPA release attached giving this creditor access to personal medical history and data. There was nothing in this mailing to me that indicated they had any relationship with the original creditor to collect this debt. According to federal guidelines, they had FAILED to validate these three collections listed on my report with this bureau. I did not realize how my rights had been violated until meeting with a lawyer last week, who informed me of what had been done and gave me instructions to do next. I began a second dispute online with this credit reporting bureau, this time uploading my supporting documents that XXXX had failed to validate the three debts. After only 2 days, Experian came back with the results of their " investigation '', leaving the unvalidated three collections on my report!! I feel that the reporting bureau did not even look at my documents or bother to read my dispute. This is an outrage! I demand that Experian Credit Bureau remove the three collections that XXXX has placed on my credit. This has severely damaged my reputation, my ability to borrow money for nearly a year now! I demand restitution. According to federal guidelines regarding credit reporting, that I am entitled to have Fair and ACCURATE reporting on my credit!! This is a serious situation!

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 2023-12-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
In XXXX of this year ( XXXX ) I discovered a check had been stolen from a XXXX Postal Service mailbox and {$2900.00} check was deposited into a Citizens Bank account without my consent. The check had been washed and re-written - only my signature was original. I immediately notified my bank, XXXX, and filed a claim. Since then, XXXX has done nothing to help me recover the funds other than sending demand letters to Citizens. I have received inaccurate information from XXXX Claims " Specialists '' on multiple occasions. For example - my claim was closed because Citizens did not respond. Then when I called, they said to disregard that information that it was still open. When I called to check on the status XX/XX/XXXX I was informed again that XXXX closed my claim because Citizens had not responded to them. It is my understanding that Citizens has a certain amount of time to respond and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: AZ
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:
Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS

Company response to consumer: Closed with explanation