BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I attempted several times to transfer funds from an external account to my USAA checking account to cover bills. They all went through with the exception of one for {$200.00}. When I checked, the external account balance was lower than expected and it was lower than the requested transfer amount. I fixed it and submitted a new transfer request. This time, however, it said the amount requested was for more than the approved amount ( Approved amount in red lettering was {$0.00} ). Since it was a federal holiday I figured it was probably a temporary issue. When I tried again in the following days I received the same error message. I then contacted USAA bank and they explained that because of the 1 failed money transfer I was no longer permitted to transfer from an external account. Please note : At this point in time I had accrued a total of 3 NSF fees, and they removed one as a courtesy. Customer service representative said that this would bring me to the " courtesy maximum three NSF fees removals per 12 months '' rule. I again said, if it were not for the bank not allowing me to transfer money due to 1 single failed transfer attempt, an unnecessarily harse penalty, the bills would be paid. The CSR apologized but did not offer more.

In the following week I directly transferred money from my other account but it takes 3- 5 business days to complete the transfer of funds this way, instead of instantaneously like I had become accustomed. In that short time period I RACKED UP a plethora of NSF fees. Without exaggeration, probably equal to or more than I've had in my entire 35 years of banking. I find this extremely punitive and unnecessary. I am unemployed at the moment and this hurts me terribly. 
The date it all started was XX/XX/2022 with one - {$5.00} returned item fee. Then on XX/XX/2022 I received 2 - {$5.00} returned item fees. Probably my fault at this point. Then on XX/XX/XXXX, I received the first of many NSF fee of - {$29.00}. 
On XX/XX/2022 the failed external transfer I mentioned earlier for {$200.00} was returned and I received a - {$5.00} returned item fee. XX/XX/2022 I received 2 more NSF fees each for - {$29.00}. Around this date is when I called customer service and they did grant me the courtesy NSF fee + {$29.00}. 
Then on XX/XX/2022 I received XXXX NSF fees ( - {$87.00} ), XX/XX/2022 XXXX NSF fee ( - {$58.00} ), and XX/XX/2022 XXXX NSF fee ( - {$29.00} ). XX/XX/2022 I received another 3 NSF fees ( - {$87.00} ), on XX/XX/2022 another 3 NSF fees ( - {$87.00} ). 
This is current as of XX/XX/2022. 
Although attempting to get ahead of this, it has unfairly snowballed into a something unmanageable except by intervention by the bank, which they have shown no motivation to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
State: IL
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:
My new Chase XXXX credit card has declined charges numerous times. On XX/XX/2021 I went to XXXX XXXX XXXX to make a purchase but my credit card declined the transaction I was HUMILIATED in front of everybody. I called chase and spoke with a representative in the fraud department and verified information to show it was me attempting the charges, they unlocked my card and told me I wouldn't have a problem processing the transaction next time, so I went back to XXXX XXXX XXXX and attempted the transaction again and it was DECLINED, HOW HUMILIATING. I opened the credit card in response to a promotional offer that requires me to spend {$4000.00} in 3 months to earn XXXX bonus points. Because of the bank 's frequent charge declines, it appears to be a willfully intent to mislead and or deceive the consumer I may not be able to spend the required amount to receive the bonus they promised in the credit card contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request this time, I really need these items to be corrected as soon as possible. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion had a glitch in the system which caused all inquiries to delete.TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added they said they could not remove them I also asked to talk to a US representative and I was hung up on, these inquiries add a hardship and my rights were violated by TransUnion.

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 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Unfortunately Ive now already spent a 16+6 hours and a 1 hour visit to try get my CD at Bank of America closed. 

They keep bringing up new holds and obstacles, hoops for me to jump through to get my money. XXXX XXXX 

1 year ago ( XX/XX/2021 ) I only opened the CD as to provide for getting a business creditcard. It was very clear i wanted it for 1 year. The company said and still claims When in maturity you can automatically renew or withdraw the funds without penalty. 

I have not been able to get my funds. Ive called for more than 16 hours on 6 different days. 
Last month they finally said the hold from the small business team is lifted, your funds are now released. Wait 10 days for your cheque. I DID NOT RECEIVE IT. 

I called today again for 2 hours and visited an office. They said there is another hold. No explanation on what happened. 

They are again emailing and calling different departments. I have 0 faith I will get my money. 

Please recommend how I can legally force them to give me my money. Potentially they are doing this with hundreds of clients. Could be hundreds of millions they illegally use to invest. 

I feel very hurt sad frustrated and angry. Today I suddenly had to throw up and been feeling very dizzy after the hours of talking with Bank of America employees who just turn me in circles and dont understand whats going on. 

Today they just emailed the small business department to ask to remove the hold.. last month they already removed the hold and said they released the money and the cheque is on the way its the 4th hold that appears and is always mentioned weeks later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NJ
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to use their fraud services to retrieve {$3200.00} from a fraudulent XXXX transfer which they said I was cancelling it. I reported it the minute it happened and just now kin XXXX they are saying we can't do anything. The fact that they couldn't even stop it the minute it happened I don't understand when people cancel transactions days old. And I'm shocked with banks and fraud insurance they couldn't even get {$1000.00} back. It took me forever to save that money and the fact I gave bank of america 13 years of being a customer and they could not do literally anything to help since the beginning is wild to me. I was told to leave a complaint here by friends and family I really hope this belps.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}

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 2023-12-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This complaint will be my follow-up to my prior complaint.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
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:
This will be my follow-up to my previous complaint to ensure that these accounts are investigated for their erroneous reporting : XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}

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 2020-10-01
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus Transunion XXXX and XXXX  to remove these credit hard inquiries off of 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 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They rushed me into a settlement deal and I don't even know that they are a legitimate company. Each time they call they say you have only 24 hrs to complete this paperwork. Etc. Since being rushed into a settlement deal I have seen accusations of them being fraudulent on the internet and I just don't know how they rush me so much! I am in the middle of my work day and they are telling me this action needs to be completed today! I haven't had time to research the company to see if they are legit and I've already given them {$1000.00}. They want me to rush the last {$500.00} to them or they will tag on more fees... .Also I had mentioned to the lady that there was fraud on my account and that is what the debt is from. Is there a chance I am not responsible for the debt?

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 2023-06-28
Company: EQUIFAX, 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: 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received a cut off notice from XXXX XXXX informing me that I was behind on my bills and my electricity would be shut off within thirty minutes if I did not send an outstanding balance of {$490.00}. They walked me through my Wells Fargo account and finding the XXXX application. 
After wiring the money, I did not see the payment posted on my XXXX  account so I realized I was the victim of a scam. I called Wells Fargo immediately and filed a claim. They have not covered the amount even though they state they offer 100 % fraud protection. The only reason I used the XXXX app is because its on my Wells Fargo app which I did not ask for so it seemed as if it was safe and backed by my bank.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: NC
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:
I have sent a letter to XXXX, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from XXXX or transunion. Experian responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. There was charge off on my XXXX  XXXX auto finance account. The date of first delinquency was XX/XX/XXXX. The account has not only been reaged which is illegal but been completed altered so that the CO isnt reflective. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should not be reporting at all. It is the bureaus responsibility to report accurate information.

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