BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I bank with US Bank and they have XXXX to transfer money. XXXX is the system Us Bank use to transfer money. Last month I transferred money through XXXX and the person I transferred money to received the money. Today I use XXXX and the bank email me saying the money went to XXXX XXXX XXXX and the only person I had a as a person to received money was my Landlord account, so I called the bank and spoke with this guy name XXXX, he said he did not know what happen, he put in a dispute so that they could get the money back from XXXX XXXX XXXX. I ask how did XXXX XXXX XXXX become a part of my account or have assess to my account and he could not example what happen that XXXX XXXX XXXX has assess to my account. XXXX is the way I transferred money to my Landlord to pay my rent but instead my rent was sent to XXXX XXXX XXXX and I was told that it would take 7-10 days to make the correction. I ask to speak to his supervisor or manager and he left me on the phone for about 5 minutes and told me they were not available. I could leave a message on their answering service. The best time was to call back Monday, is what he said and then he said, I must have pushed sent for XXXX XXXX XXXX. 
I said I have only one person listed to receive money from me and that is the name that showed, not XXXX XXXX XXXX. When XXXX came back to the phone after I asked for the supervisor and or manage. He told me that I must have pushed the sent sign for XXXX XXXX XXXX. I told him there was no sign for XXXX XXXX XXXX not on the page I was on. All it showed was the person that was suppose to get the money. He still could not explain how XXXX XXXX XXXX have assess to my account with XXXX. Because XXXX XXXX XXXX is not a part of my contact list for XXXX, so " How did my rent money get routed to XXXX XXXX XXXX? '' and Why do I have to wait 7-10 days for it return? XXXX is picked when you want to transfer money through the bank to someone and XXXX ask you check you information before sending which I did. 
Please help. US bank attendant would not let me speak to anyone else, He claim they were unavailable. So the whole weekend and the bank make a error that impact other people 's lives and nothing is done.

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 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
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 belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-08-11
Company: AES/PHEAA
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: Public record information inaccurate

Complaint:
My student loan was paid in full after I became XXXX in the military, my balance was XXXX and was paid in full in full in 2016 with XXXX XXXX   Listed on my XXXX XXXX and XXXX  the account # XXXX, has remarks listed as Chap XXXX Bankruptcy, when I paid this and was not under ever a bankruptcy. This is affecting my ability to obtain credit or employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: PNC Bank N.A.
State: OH
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:
Good morning, On XX/XX/XXXX I placed an order from XXXX XXXX  XXXX XXXX on their website for 2 small pizzas and 2 make your own salads. 
I received a text message from them at XXXX XXXX stating they had some issues and were cancelling my order. 
On XX/XX/XXXX at XXXX I contacted them asking for my refund as the charge of {$48.00} was not refunded. No answer On XX/XX/XXXX at XXXX I texted again asking about my refund. They finally answered at XXXX saying it was processed. 
On XX/XX/XXXX at XXXX I texted again asking about my refund. No answer. 
On XX/XX/XXXX at XXXX I texted again. At XXXX they answered basically saying it was not their problem. 
On XXXX I texted again asking where my money was. No answer. 
Please see attached screen shots. 
Please refund my money ASAP! I am a long time customer of PNC along with my 5 family members and I should not have to go through all this NOR wait 90 DAYS!!!! For my money that very clearly was not refunded. 

I have been trying to work with PNC and they keep dragging it out and making false promises and still no money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit to Truist Bank with my payroll check to my checking account on XXXX before going into XXXX. After XXXX and getting home I checked and realized the money hadn't posted and said may have a hold I called at that moment to Truist bank the lady I spoke with said she didn't see a hold but if one showed the next day to call back so I could receive help. The next morning on XXXX there was definitely a hold I was told that I wouldn't have access to my funds until the following Friday XX/XX/11, so I called spoke to a supervisor she told me she couldn't do anything to help me because the account was new and I did a mobile deposit. She said what I could do was go into the branch speak with the branch leader and see if they could help me. So even though I just had XXXX I went to the branch to get some help. I was left waiting for over an hour even though I had explained I just had XXXX that didn't seem to matter. When XXXX the branch leader came out. We went to his office he told me that mobile deposits where out of the branch hands, this happened in XXXX sometime and unfortunately customer service sends people into the branch they can't do anything for them. He proceeded to call his operations leader where they said the something that because the account is new and I did mobile deposit nothing could be done. I let them know by doing this and not even making a part of the funds available if the whole check couldn't be made available was going to put me in a hardship. I'm not able to pay rent, put gas in my car, or buy groceries for me and my family. All I got was I'm sorry. No other options or resolution had been made available to me. So from Friday XXXX to Fri XX/XX/11. I have no money to operate with my kids start school and I have no access to anything. I have had to go to a food bank, sell things in order to get enough to try and live for the time they placed a hold on my paycheck. Both sides of the operation is blaming the other with no resolution for the customer who is left between the two. There was no warnings or statements before depositing the money via the mobile deposit that this would happen.

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 2023-10-18
Company: EQUIFAX, INC.
State: KS
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 recently notified all three bureaus that I am a victim of identity theft. I mailed and submitted online all required information. In return the credit bureau accused, and told me that I made my complaint in ERROR. this complaint is not an error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
American Express is in our opinion a den of thieves. For example see the attached " response letter '' which was sent to CFPB in response to our complaint that we provided them all the documentary evidence ( also attached ) that they need to reverse their cardholder XXXX XXXX XXXX 's credit card charge back of {$5000.00}, back to us, in our favor. Please help us cut through AMEX 's modern day highway robbery and return our duly earned legal fee based on the duly signed contract and itemized billing invoice sent to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 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 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 seven 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 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 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i used to have a credit card with capital one bank, and used to pay all my owed amounts on time, never been late once. 
but suddenly i received a letter saying that i Owe them {$3600.00} to the collection company XXXX XXXX XXXX, they did call me more than once and i told them that i did already reported to the bank that i lost my card and it had been used in different countries internationally which i have never been there and the bank said that it has been used card present so it is not online which proves that it is not me!! but they forward the account to this debit collector and they keep asking me to pay it or they will move forward and i did tell them the same info and they provided me with alot of letters and cases opened in the court against me!!! i have my passport that can prove that i am here in the USA and even when i travel, i didn't Travel to these countries that the card is used at, what should i do? 
all the transactions occurred in 2018 .if you can see any recorded calls with the bank, you will see that i did report them with this info since 2018 till today more than one time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 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 can not Furnish a 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 2023-08-07
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good afternoon! I opened an account at Citi Bank using my personal phone number, which I still own to this day. The account with the phone was opened for me at AT & T. On XX/XX/XXXX my account was restricted due to two XXXX transfers. On XX/XX/XXXX, I called Citi Bank in the fraud department, according to the letter I received. I called more than 30 times, they tried to verify me using my phone number ( which I used when opening my account ). They could not verify me because they said that this number does not belong to me. Although I have confirmation from AT & T that the number and account belong to me. When I called again on XX/XX/XXXX, a bank employee told me that they sent me a letter with a verification code by mail, although I myself am outside the US, on treatment. My mom checks my mail. They assured me that the letter would arrive in 5-7 days. After 10 days there was no letter. I called again, already another employee told me that I had to wait 10-12 days. When asked how to verify in another way, the employee hung up. I called many times with a request to verify in a different way, since there is still no letter, I was refused. All my money is in my blocked Citi bank account, I can't pay bills and other payments because they hold my money. Please help me. What i need to do now?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: JPMORGAN CHASE & CO.
State: WI
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:
.We purchased a home from XXXX XXXX and XXXX XXXX in XX/XX/XXXX. We purchased a mortgage thru Chase bank. Chase bank has on record that we filed bankruptcy in the passed which we never did. The former owner of the home filed bankruptcy and chase Bank thinks our name was on the deed with the former owner which we have no connection. The deed reads that the former owner granted us the deed at closing. I have called our register of deeds dept and they confirmed we are the only ones on the deed. I also called our title company and confirmed the house was not in the former owners bankruptcy case. I also called the former owner 's bankruptcy lawyer and she confirmed we are not at all involved with his bankruptcy and they have never heard of us until Chase Bank sent them a letter stating about our mortgage loan. On XX/XX/XXXX we received a letter stating it was Chase 's error and that we did not file bankruptcy on our loan and it would be corrected. The only thing they corrected was saying we were not bankrupt on our loan and their records still state we filed bankruptcy in the past. The former owner settled his case so they say it has been resolved but still lists us as filing bankruptcy. I have called XXXX Executive Office to get this resolved on XX/XX/XXXX, was assigned a case number but no action is taken as of XX/XX/XXXX. I called Chase on XX/XX/XXXX and XX/XX/XXXX and they confirmed our name was still on their records as bankrupt. Chase said it was supposed to be reviewed in 10 days but it was over the time. She said she will have them investigate this and have it moved up to the top. We are very concerned this false record will inpact our fulture loan abilities

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1200.00} on XX/XX/XXXX. Regions put a hold on the check. I waited until check has been cashed by Regions, then on XXXX requested removal of hold, was denied and I was advised to contact the branch. 

I spoke to the branch manager, who advised me that the reason for the hold is punishment for my previous overdraft transactions. I was not aware a bank can punish a customer by holding their funds for previous overdraft items. 

I advised manager that funds have already been withdrawn from payee 's account, therefore should be released to me. Manager told me they will see what they can do and get back with me, but the never did. 

Four days after deposit I still don't have my funds. They have been withdrawn from the payee on XX/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 explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX XXXX has violated my rights.

15 U.S.C 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 can not Furnish a 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX  XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/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