BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2019-08-13
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 applied for a loan. After receiving the stipulations for the loan via email I sent a message stating I know longer wanted the loan approximately 1 hour after. I called them and sent multiple emails requesting not to put the loan in my account. Spoke with someone on the line they took all the information. On XX/XX/XXXX the loan was put in my account. OnXX/XX/XXXXI  have tried numerous times to send this money back. I had 24 hours to cancel loan the message came in at XXXX XXXX  XX/XX/XXXX I responded at XXXX XX/XX/XXXX I didn't want this loan and to cancel

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Chime Financial Inc
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Chime account who is issued through XXXX was used to make many fraudulent charges. Chime was supposed to look into the dispute and they denied my claim less than XXXX hours after filing it. They did not look into the claim at all. Due to the fact that I had used the website in question in the past, the claim was denied. My using the site in the past has no bearing on if these charges were made fraudulently. I asked for the documentation that was used to determine the denial and all I was sent was the information that I gave them, there was no documentation that they had gathered. The charges accumulated over XXXX and XX/XX/2023 and totaled over XXXX. I do not understand how a claim can be denied without properly investigating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: CA
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, 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have received letters from  Citi Bank that my credit cards accounts were closed without reasons and an advanced notice. I respect Citi Banks decision to close the accounts. However the reward Thank You points and Dividend Dollars from the accounts were forfeited. I earned and accumulated these points and Dividend Dollars by using Citi Cards over the years, and Citi Bank collected the transaction fee from merchants.

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 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Capitol One without prior notice closed my savings account with all my savings in it in the amount of {$22000.00}, and they have delayed the process of giving me that money, even after several phone calls with manager level representatives. 

I called Capitol One the day the account was closed on XX/XX/XXXX and talked to a manager in the customer service department they told me that they couldn't find a reason why the account was closed, saying that it looks like an email from the office of the president of their company close the account. I told them that I needed access to my money as soon as possible. The representative told me that they could cancel the check and electronically transfer the money. Thinking this would be the fastest way to get my money. I asked them to do this. I gave them my new address because the address they had on file where they sent the check is an old mailing address. 

I followed up on XX/XX/XXXX with another phone call and another manager in their customer representative section. They told me that there was no answer from the president 's office about why my account was closed and that it appears that they were still attempting to cancel the check, the initial time frame I was given of getting my money in a few days was not met and this manager told me that perhaps on XXXX  or XXXX  of the next week on XX/XX/XXXX my money would arrive to my bank account. 

On XX/XX/XXXX I called the bank again after receiving an email from Capital One saying that I had to sign an affidavit and get a notarized, spending my own money, and mail it back to them in order to stop payment on the check and to initiate any transfer my money to me and that this could take up to 95 days. I could not wait 95 days to get this money so I called again and I spoke to another manager. The information about my complaint on this day is below for tracking purposes. That manager attempted to get the money from the original check that was mailed to me and that I had originally been told could be canceled quickly uncancelceled so I could cash the original check sent to me. She told me that she could not find any notes in the system from the president 's office explaining why my account was closed. 

Ticket number : XXXX Badge number : XXXX, name : XXXX XXXX team I have been denied funds for my own bank account for a week now and this is critical because I was told by them originally when this account was closed that I could get it back quickly in a few days. This is not true. They're now attempting to hold my money for 95 days. On top of that, they have not done any due diligence to explain to me why this bank account was closed, which is a complete mystery to me to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There was XXXX inquiries on my report that I didn't authorize to run 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 2023-03-06
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX has used my credit improperly. After reviewing my credit, it was reported 2 late payments. One late payment was XX/XX/2022 and the other late payment was XX/XX/2022. In accordance with the Fair Housing Credit Reporting Act-XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A, States I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, states consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Credit Karma, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I continuously get emails falsely reporting that your credit score has gone up XXXX points! Click here to see the changes it is a blatant lie intended to get me to click on the link and be redirected to their site so they can try and sell me a variety of services and loan and credit card offers etc etc. most of the time my credit has remained the same and in many cases actually gone down. Its a waste of my time and a deceitful lie intended to get a click and more traffic on their site. I would provide a specific date but it is a continuous thing as I get these emails regularly so it seems a common marketing practice that I dont appreciate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These below inquiries do not belongs to me 1. XXXX XXXX XXXX {$37000.00} ( XXXX XXXX ) 2. XXXX XXXX  {$2400.00} ( XX/XX/XXXX ) 3. XXXX  {$130.00} ( XX/XX/XXXX ) 4. XXXX XXXX XXXX {$0.00} ( XXXX XXXX ) 5. XXXXXXXX XXXX XXXX {$0.00} ( XXXX XXXX ) 6. XXXX XXXX XXXX {$0.00} ( XXXX XXXX ) 7. XXXX XXXX {$0.00} ( XXXX XXXX ) 8. XXXX XXXX ( XXXX XXXX ) 9. XXXX  ( XXXX XXXX ) and another date is ( 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 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
BOA refuses to disburse funds from my deceased XXXX  account. As executor I have sent in the requested documents twice by fax, once by mail, and twice in person. I have been attempting to handle this since XX/XX/2021 to no avail. I have all documentation proving they have not disbursed the funds despite receiving the info they have requested.

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 2018-10-28
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DIVERSIFIED CONSULTANTS, XX/XX/XXXX DIVERSIFIED CONSULTANTS, XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Sometime during mid XX/XX/2023, Chase started preventing customers from logging into their accounts if the customers don't have the most up-to-date web browser ( i.e., XXXX, XXXX, XXXX, XXXX ). Unfortunately, many customers like me with older computer hardware ( e.g., XXXX with XXXX XXXX XXXX XXXX ) can not update to the most up-to-date web browsers. This effectively means that I, along with others who must use older operating systems due to software needs, are now completely prevented from using Chase 's website to maintain and view our accounts. For reference, I phoned Chase on XX/XX/2023 to understand if there is an alternative version of the website that will still allow me to access my account without needing to purchase a new computer, but I was told there is not. Also for reference, there is no other website that I'm aware of - let alone another financial institution website - that is completely blocking customers from accessing their accounts via desktop if they are not using the most up-to-date browser. I can not imagine that I am the only person facing this accessibility challenge, as there are thousands of lower income customers who do not have the financial means to regularly purchase new computer hardware that can support the most up-to-date browsers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
Because my phone number changed I am u able to make payment or access account. I believe this is a ploy to enable PenFed to charge late fees. The credit union should be able to verify me by phone and update my phone number as requested..I attempted to use their secure method but after trying for an hour it will not accept documents I am trying to provide.

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 2022-09-29
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 information incorrect

Complaint:
XX/XX/XXXX 1.Experian has on my report double information ... XXXX XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

2.Experian has on my report double information ... XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

3.Experian has on my report double information ... XXXX XXXX  is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

4. Experian has on my report double information ... XXXX XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

ALL 4 OF THE ABOVE ONLY RAN MY CREDIT ONCE IN XXXX AND EXPERIAN HAS IT ON MY CREDIT REPORT TWICE, IDENTIAL ITEMS TWICE, THEY NEED TO CORRECT THIS IMMEDIATELY! There is no reason that a double credit check would have been ran on the same month, I only purchased ONE CAR! 

XXXX want my credit report to reflect 1 CREDIT CHECK from each one below not 2. Two credit checks were not done ONLY 1 WAS DONE FOR EACH BELOW IN 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
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds 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 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
i wrote to Equifax, XXXX, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. however, the accounts are continuing to reports errors on my credit profile, which is causing damage to my credit score. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On  XXXX   XXXX ,   XXXX   at  XXXX   XXXX   XXXX , I received a telephone call from  Ally Bank on my personal telephone. The person calling advised me that the call was being recorded. I told him I didnt want to be recorded. He told me I could not communicate via telephone with Ally Bank without my call being recorded and that he could not call me back on a line that is not recorded or otherwise stop the recording. I decline to continue the call. The only account I have with Ally B ank is a savings account. California is a  two  party consent state as described in  Cal. Penal Code 632 . The  Federal statute is mute since the California statute is more restrictive and the Federal  statute defers to the more restrictive statute when one exists.

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