BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello its XXXX credit cards on my credit and I didnt open neither one I continue to file a report I file through the federal trade commission identity theft and false information on my report that all credit bureaus continues to post. My identity has been breached through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and nothing is being done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX 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 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 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 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 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 XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase Business has the worst customer service. They continually hang up on you and all their calls are directed to XXXX. They are XXXX  and really really rude. I've had them hang up on me twice, put me on hold and not come back for XXXX minutes until I finally hung up. They always say that there system is slow. I '' ve made XXXX calls in the XXXX  days I've had the account. We have our accounts tied together business and personal and they get them mixed up when we call. 
The problem is that they keep putting my bill payments on hold. When I call back to confirm I have to go to XXXX or XXXX different departments and no one can give me the right number. I even emailed them and they gave me the wrong number to call. It's just awful. I wish I had stayed with XXXX XXXX. 
I've spent at least XXXX hours a day since I opened the account in the last XXXX days. 
No one can tell me why these simple payments keep getting held up. I hold XXXX mortgages with this XXXX XXXX XXXX. I set up an a monthly occurring bill. They called separately on each one without checking that they were all going to the same company with different account numbers. When they called they asked me what kind of information did I have to show that these needed to paid. This is XXXX, because XXXX mortgage was XXXX XXXX XXXX. The problem with this is that it takes XXXX minutes to verify XXXX simple payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have several issues where from being impacted by credit use that several times took negative turns increasing pressure to where it is and the pandemic are warranting a need for cfpb protectoin. Amex, and others are treating the pandemic differently and reporting is at the heart of the issue. Complete and Accurate reporting accounting standards dictate that being impacted by the pandemic be reported to the credit bureaus. This is not being done and in cases where it is being done it is only done if there is a program in place which many times one never even existed so it was never done. This leads to many issues. First if it is not reported to credit bureaus that deliquency is a result of pandemic impact the agencies do not have the data of who is effected and for how long. Second, there is no basis for efforts by the lenders and credit agencies to limit the length of exposure for pandemic impact delinquency. If it was reported this would serve as powerful data that absolutely is a requirement for millions of americans greatly impacted and for myself I will likely be forced into an unnecessary bankruptcy and I am hounded constantly with over 15 calls in a typical day ranging from XXXX to the evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: MA
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 paid off in aggressive amount of money through collection companies signed up with agreement to the bureaus experian and i have paid XXXX in XXXX with agreement that 30 days max that it will not show on report. Now i have a son to support and my score has went up but the accounts i paid off still shows even though it shows paid its stops me from getting a loan, in desperate need to get an place to live and support my son. I want the accounts paid all taken off my report. My score Jumped 70 points since XXXX, i was victim of fraud in 2017 amd the credit bureau promised it would not be shown paid but off my record 100 % that was deal with the lawyer said 60 days max. I need my score to go up snd will jump another to tier 2 maybe even 1 i have done my part i have no more $ $ for companies to want to fight for me. Im close to losing everything cause i have done what was rite snd paid debt. Please please just help and look that i have paid snd please take off my report the things i have paid

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 2023-07-20
Company: FISERV INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This business is claiming that I owe them 6 payments of {$35.00}, for a total of {$210.00}. This is incorrect. I ordered 1 item from XXXX that was {$35.00} back in XXXX and they charged me 7 times for the one item. I talked to my bank and we allowed 1 charge to go through, because it was correct. But the other 6 charges were not, so the bank did not authorize them. Now XXXX has sent a nonexistent debt to TRS recovery services, and now they are sending us letters claiming I owe them money. I have called multiple times and have been unable to get the issue resolved.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}

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 non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fifth third bank is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Fifth third bank to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Fifth third bank did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am requesting Fifth third bank to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be by email, mail, any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ect.. This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this derogatory reporting removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} ) for every update, post, report made since its beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Citibank has issued me a fraudulent cashier 's check for {$1200.00}. I have requested on numerous occasions they refund my money through accounts that I have provided them. This morning a bank branch manager where I tried to deposit it informed me that that check was a blank ; there were no funds on it as it has been placed on hold for fraud. Citibank is continuing to hold my money which contains my monthly Federal pay from the VA. I have informed them they are not supposed to be doing that and keep requesting my pay. This check was issued in early XX/XX/2022. 

Customer service is nonexistent as they lie, hang up the phone on people and so forth. There is not even a person of contact for this situation. I am planning to file a police report on Citibank for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency XXXX terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 2022-03-30
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had an account with CIT bank subsidiary of XXXX XXXX XXXX for several years. Now, I'm closing on a house and attempting to transfer money out of this account for this purpose. However, I get a message : Force migration is in progress, please try again after some time. 

and I'm unable to access my account or make a transfer. 

I have been unable to access my account all day despite having attempted to talk to their support team for several hours. In some cases, there reps were even rude and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have made 2 complaints against Transunion with the CFPB this would be the 3rd. They have never responded correctly to all my request in thses complaints Transunion has still reported the two XXXX accounts but has removed both Department of ed/XXXX XXXX accounts when they should all show as paid in full. They have recently just placed XXXX/XXXX back on my account after removing months ago. They are still reporting XXXX XXXX with a balance of {$770.00} which was also paid in XX/XX/2019 and reported to all 3 credit agencies as paid with last payment showing as received. Please see attached previous claims/complaints and the attachments on all other complaints filed. I have additional documentation that I would be glad to mail or email my computer will not allow me to attach them again but they are included in the previous complaints.

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 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX  XXXX, account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with Transunion, XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.

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 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Bank of America that I had applied for a checking account and it was opened. The account was opened with a profile that I last had an account in XXXX with Bank of America. They did not disable the profile even though I had no service with them. They opened this account with an address I lived in near XXXX, an address and state I have not lived in since XXXX of XXXX and they sent a card to that address. I called the fraud department and got claim # XXXX, I froze my credit bureau reports and BOA told me they would close the account in 10 days. It is now XX/XX/XXXX and I got an email saying I needed to put money in my account. I did not open this, I am sure BOA is opening fake accounts like they were before leaving me vulnerable to financial issues if someone gets the card. The opened account added another phone number XXXX, which I found the address for in XXXX, Massachusetts. How can they be allowed to get away with this and can I file a lawsuit for this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: TX
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 Spoke with XXXX XXXX within the XXXXXXXX XXXX XXXX XXXX  ) for 1 hour and 1 minute pleading my case, and she acknowledged that XXXX did receive our CFPB complaint but did not act up on it because XXXX assumed that the complaint came from a third party!!! I use a company called XXXX to send out my mails because due to a pre-existing condition I cant go to an actual post office! The fact that XXXX is assuming instead of factually investigating, is a clear violation of 15 USC 1681 ( a ) ( 3 )! Your company ( XXXX ) assumed this role. You were not given express permission by me, the consumer, or a competent Court of Jurisdiction to report these erroneous inquiries, late payments on my consumer report. Therefore, not only did you fail in the initial investigation of these wrongfully reported informations, but you also assumed this role, and assumed these wrongfully reported informations were valid or as you like to say VERIFIED, which is a clear violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: DISCOVER BANK
State: TX
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:
The bank has restricted me from using my card and its been several days now. I have not been notified ahead of time that i wont be able to use my card. i have contacted the bank to ask why i am unable to use my credit card and the response i got was that they are doing verification and that i would have to wait 2 weeks before being able to use my card. This has jeopardized my livelihood as my bill and rent are paid from my credit card. I believe this is NOT a fair and right way to handle such issue and i am asking CFPB to intervene and resolve this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: ALLY FINANCIAL INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
ALLY FINANCIAL ARE DEFRAUDING THERE XXXX XXXX  CUSTOMERS AGAIN. ITS TIME FOR ANOTHER LAWSUIT

Company response to consumer: Closed with non-monetary relief