BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
First Citizens Bank had a promotion to receive a bonus of {$300.00} if you opened a free checking and savings account. Criteria for receiving the bonus was to establish direct deposits of {$1000.00} per month, OR make 10 debit transactions within 90 days of account opening. 

I opened my account on XX/XX/2020, and by XX/XX/XXXX I had completed the 10 debit transactions. The terms and conditions clearly state that they will pay out the bonus within 120 days after completion of all qualifiers. 

It is now significantly more than 120 days since I met all qualifiers and I have not received the bonus. 

On XX/XX/2020 I sent a secure message to First Citizens asking about the status of my bonus. 
On XX/XX/2020 First Citizens responded saying they would research On XX/XX/2020 I sent a SM asking for an update. 
On XX/XX/2020 First Citizens said they are still researching and has no timeline for when they'll have a solution. This is not acceptable, and not in line with their own terms and conditions for the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed this account with XXXX  on XX/XX/2018 information on my credit report was updated but the information was not removed and XXXX advised me to dispute directly with Chase. I contacted Chase and explained to them that the account that they are reporting on my credit report was fraudulent and Chase sent me a Fraud Affidavit to fill out., after I filled out Chase Affidavit along with a police report, Chase denied my fraud affidavit and refuse to remove the fraudulent account from my credit report without a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I previously had a fha mortgage with Wells Fargo and was unable to modify my loan in order to prevent losing the property. I owned the property from XXXX and it was sold in a short sale by the 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 2017-12-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I work internationally as a XXXX in XXXX. My school provides us with a large bonus of {$7100.00} XXXX or {>= $1,000,000} XXXX, which is a significant amount of my salary in XXXX. The money was deposited into my XXXX bank account on XXXX, XXXX. I went to the bank with a representative of my school and a few other teachers to wire transfer the money to our USA bank accounts so we can use our money while home for the holidays. I performed the transfer at my bank in XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ). I was informed during this time that my bank. XXXX XXXX XXXX, did not have a XXXX code so we would need to go through an intermediary bank, which was XXXX but that I should receive the money within the next 2 days in my account. Needless to say the money has not arrived into my account at XXXX. Currently I am home in Minnesota for the holidays, extremely stressed out and financially broke. The money was transferred to XXXX XXXX XXXX XXXX from XXXX to first convert the XXXX to XXXX, then XXXX XXXX XXXX XXXX to XXXX. XXXX has tracked the money to XXXX. The transfer has not been rejected or cancelled. I have called and also have personally visited both XXXX and XXXX. XXXX XXXX XXXX says that they are unable to do anything because they are only the receiving party but they did verify that the bank name, routing number, and my account number for XXXX was correct. I have personally visited XXXX which indicated that their swift code was correct and told me they can not help any further. I have called XXXX they have refused to do anything to help, stating that they can not verify me as authentic communication and they have not taken any action to look into this matter, even though I have identification when visiting a XXXX branch personally. I do not have an account with XXXX. XXXX says they can investigate but for a price, which I will initiate if necessary. XXXX is holding my money unethically and should process the transfer or reject it so it is sent back into my account in XXXX. XXXX is unjustly holding onto my money benefiting for the interest it is gaining. I am in extreme emotional distress. This is a significant portion of my salary, that I have been depending on, and its XXXX time. I really hope this situation can be solved very soon. I have the information and paperwork from the transfer available upon request.

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 2022-10-19
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2017-12-22
Company: EQUIFAX, 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:
To whom this may concern I, XXXX XXXX XXXX filed with identity theft in the year XXXX between XXXX - XXXX, I also filed a police report during that time when my identity was stolen, When This situation was noticed I imeaditly notified my bank, the bank asked me to take a police department statement for all the fraud that was shown on my bank account monthly statements, they froze my checking account, the investigation lasted for almost 2 months I was really frustrated and scared also to top it off I never gone through this bad situations before and I hope to never go threw this XXXX again, I just want my life back and my life to be peaceful and no harm and my credit to be normal and build my life back to perfect. I dont want to go through life with a bad horrible XXXX credit score and be in debt all mylife

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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 have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: JPMORGAN CHASE & CO.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I hired a moving company that never provided the service for my move and i was still charged. 
This company never provided the required services for my move. When I called about the move, they stopped responding. This moving company never provided the services required under the contract for my move in early XX/XX/2020. They charged me a deposit ( {$920.00} ). I called the XXXX XXXX XXXX XXXX at least ten times over three weeks. No response email or phone. When I was forced to cancel the move and hire another moving team, I reached out and asked for a full refund. The customer service general email and sales manager stopped responding to my emails. 
I tired to dispute the charges with Chase Bank once I realized i was charged. I disputed this with Chase Bank for over a year after hiring a lawyer to summon the said moving company, and come to find out that this moving company was a fraud and closed down it's business. When I asked Chase to reopen this claim with proof from my lawyer that this business was closed down to several fraudulent acts toward several people, Chase Bank would not review or discuss or refund me the monies. I sent Chase Bank the summons and civil actions paperwork as well as the receipts and complaints. They still refused to look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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:
XX/XX/2020 EXPERIAN was sent a formal dispute letter about inaccurate information contained in credit file. This dipute letter asked very specifically that the inaccurate information be VERIFIED and a document of the verification measures and entities be provided according to FCRA. 
XX/XX/2020 EXPERIAN sent a credit report which told me to contact the credit grantors myself. It also stated that no information was VERIFIED simply UPDATED for every single dipute item. 
At this time EXPERIAN refuses to properly VERIFY any of the inaccurate information that I have asked them to review which is a direct violation of my rights under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2021-06-22
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received the response from complaint XXXX and I am disputing the charge for the RETURN PAYMENT FEE. This was CREDITED to me so why is PAYPAL CREDIT recharging me for it on my minimum payment?

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 2019-08-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
fifth third Bank has failed to resolve any of the previous complaints in particular recently I've had to just closed out every account with them less to checking account due to the company not responding to the various complaints that have been filed fifth third Bank has refused outright to even file and accept disputing a transaction I had a transaction that was unauthorized because my card was stolen and I believe the total charge was {$22.00} and some change of gas from XXXX gas station when I called into the deceased department in the fraud department I was told that they were disputing the transaction but that is not actually what happened they did not dispute the transaction and I was prompt it to go again and follow a whole nother series an extra steps to dispute the transaction that I had already called in for this is a separate complaint in regard solely to the issue of a {$22.00} charge on my secured card that was not authorized nor did fifth third Bank accept and honor the disputed transaction so after being forced to close the account due to the continued customer service the funds were never released back to me and never honored back as a disputed transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried repeatedly to have Equifax update my personal information as well update my creditor account information. Equifax has continually refused to do this. They insist that they have the information that is being reported by my creditors. I have informed them that they do not have the correct information and that I know my creditors have sent updated information. The information they are reporting is 7 months old, well past the 90 days it should take them to update information from lenders. They are still showing two accounts, which my name is no longer associated with, as being open and they are showing an incorrect balance on a third account. In addition, I have asked them to update my new legal name to match the name on my social security card, drivers license, and credit cards. Again Equifax is refusing to do this claiming that they can't prove my identity when I have answered every question they have asked. I'm sure had they updated my information from the lenders at some point in the past 7 months they would have discovered that my lenders have the new legal name already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Bread Financial Holdings, Inc.
State: FL
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:
This account wasnt opened by me and on top of that this account has shown closed on my credit and every month its still attaching a late fee. This company need to properly closed the account and stop charging it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Experian Information Solutions 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.

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 2020-12-08
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sent my account to collections which was originally called XXXX XXXX. this was the incorrect amount. I than got a call from Allied Collection Service out of XXXX XXXX. I spoke to a woman named XXXX who was a nightmare. I kept being threatened about how this was going to go on my credit. I told them let me talk to XXXX  and get this resolved since this is the incorrect amount. I had moved to XXXX who was to help pay off any balance i owed to XXXX. XXXX from Allied Collection gave me an option of a payment plan so this will delay any remaining balance that i owe from reporting on my credit. In which I told her ok but i can only do minimum amount of {$50.00} per week based on my financial situation. She gave me a time frame of 2 months to pay off the whole amount. I told her this is all i can do until the dispute comes back with XXXX. i told her if it comes back that i owe i will pay the remaining balance within the time frame. She refused to take or schedule my payment. Even though it states in the email i received from them that i was able to make payment arrangements without anything being reported. She was not willing to work with me at all. She said this account will be in dispute on their end and we are not to have contact until it is resolved. I never received a call back or email of the results. they have reported the amount i owed to all 3 credit bureaus. Allied and XXXX  have been colluding back and forth and unwilling to help at all. I am in the middle of purchasing a home and this will further delay the process. These two companies have not given me any chance to review the amount owed and i keep getting bounced around between the 2 companies. Every time i call and try to get answers i keep getting transferred.

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 2022-09-20
Company: Bread Financial 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:
Someone is trying to open an account on my credit. Other information has slowly been taken over with XXXX, etc. They are trying to open an account with ComenityCB/XXXX  at XXXX XXXX XXXX XXXX XXXX OH XXXX. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions 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, XX/XX/XXXXAccount # 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 explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my dispute, please. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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:
The charge off date for the account 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 explanation
Consumer complaint received 2023-09-05
Company: Nelnet, Inc.
State: CA
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:
My credit report is showing late payments to DEPT OF EDUCATION/NELNET XXXX XXXX DEPT OF EDUCATION/NELNET  XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX XXXX DEPT OF EDUCATION/NELNET XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NELNET 's customer service representative.

Company response to consumer: Closed with explanation