BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-17
Company: U.S. BANCORP
State: MN
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 ARE TWO DATES OF INQUIRIES FROM SAME COMPANY THAT WAS NOT AUTHORIZED BY ME. PER COMPANY RESPONSE, THE INQUIRY WAS BASED ON XXXX XXXX XXXX XXXX. I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXX XXXX THAT WOULD RESULT IN TWO INQUIRIES SHOWING UP ON MY CREDIT REPORT. I HAVE ALSO DONE MY INVESTIGATION, AND I HAVE NO RECORD OF DOING BUSINESS WITH ELAN FINANCIAL SERVICES OR XXXX XXXX XXXX XXXX. I ALSO HAVE A FRAUD ALERT ON MY CREDIT FILE, WHICH MEANS THE CREDITOR MUST CONTACT CONSUMER PRIOR TO INQUIRING OR GIVING OUT CREDIT. SO IF AN ACCOUNT WAS OPENED IN MY NAME WITHOUT CONTACTING ME FIRST, THEN XXXX XXXX XXXX XXXX AND ELAN FINANCIAL SERVICES BROKE THE LAW AND VIOLATING MY RIGHTS. BELOW ARE DATES OF THE INQUIRY. THE PURPOSE OF THE FRUAD ALERT IS TO PREVENT FRAUDULENT ACTIVITY ON MY CREDIT REPORT. PER FRAUD ALERT, STATES DO NOT EXTEND CREDIT OR OPEN ANY ACCOUNTS WITHOUT CONTACTING CONUSUMER. THEREFORE I DON'T NEED TO FILE A POLICE REPORT, UNLESS THE COMPANY WANTS ME TO FILE POLICE REPORT AND CHARGES AGAINST THEM FOR OPENING AN ACCOUNT WITHOUT MY PERMISSION. 


XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Spirit Airlines offers a credit card that goes through Bank of America. The card offers " XXXX XXXX priority boarding on all flights '' ( from spirit.com credit card application ). I applied for the credit card which I had for about a little over a year. I booked my spirit flights through spirit website and paid with my spirit credit card. My flights are XXXX XXXX instead of the advertise XXXX  XXXX on all flights. 

A company should not advertise such benefits if they are not able to honor it. I reached out to Spirit about the matter but no one fully addresses the situation.

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 2017-06-07
Company: Experian Information Solutions 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:
On the dates of  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  I have unrecognized inquiries from the following company :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have sent a letter to address listed on  XXXX / XXXX / XXXX  but have yet to receive a reply.

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 2022-01-04
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am the owner a small business named XXXX XXXX XXXX XXXX XXXX Over the past year I have been charged $ XXXXmonth from PNC Bank for a merchant account. When I called PNC merchant services, they can not find my business or myself in their computer system. I was told by PNC Bank merchant services that I should file an affadait with my bank ( XXXX XXXX  ) to have the money returned. I approach XXXX XXXX  and was told by the Branch manager that I needed to have something in writing from PNC bank to stop future XXXX funds removal. I told them I spoke with PNC Bank and they can not find me in their computer system and their is nothing they can do. I have called, written, and even went to local PNC Bank branch to stop this from happening to my checking account. Is there something you can do to stop this from happening and return my money? I have been messing with this for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX, I used the Bank of America app to make a transfer of funds from my checking account to my credit card. The balance on the card was XXXX. I typed in XXXX which was my desired amount to pay. When I reviewed the scheduled payment amount, I saw that the app took XXXX out of my account instead of XXXX. After checking to see if there was an edit or cancel option ( which there was not ) I immediately called Bank of America and told the person on the telephone line about the mistake. She told me I would have to wait until the next day to correct it as the item was processing. I called the next morning and had great difficulty getting through to a live person. I was disconnected several times because the issue I was calling about was not on any of the menu choices. When I finally got through I made a complaint about the app not having the ability to cancel the transaction, as well as requesting a refund for the overcharge ( a simple general ledger correction. ) The call took XXXX minutes, and I was told that the refund would take XXXX days. 

I checked my account and the refund was not issued. On the XXXX day I called again ( XX/XX/XXXX ). This time I was on the phone for XXXX minutes. I was told by XXXX that when she called the credit card services they only found the record from XXXX. The agent told me that a mistake was made and they refunded me an overcharge of XXXX, so a refund of XXXX was requested. I asked for the call to be escalated and spoke with XXXX who identified herself as a supervisor. She was not helpful except to inform me that there was an investigation into the matter and it would take an additional XXXX days to resolve. I said I was unhappy with all of this. I had requested the XXXX dollars since XXXX and if the amount wasnt refunded I would file a complaint stating that Bank of America would not give me my money that I requested. Here we are on XX/XX/2022. There is nothing posted to my checking account. There is no consideration for how this is affecting the management of my funds. Bank of America now has had my money interest-free since XX/XX/XXXX because of a glitch in their software.

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 2023-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act CAPITAL ONE XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Th e Macy 's   XXXX   XXXX  Credit Card account was overpaid  and Citi blocked the account. After requesting a refund, Citi refused to refund citing " security review ''. This is directly violating the Truth in Lending Act : Per regulation Z, 1026.11. ( a ) ( 2 ), Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Banks are required to refund the overpayment upon request within 7 days.

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 2022-08-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car is a total loss. My insurance ( XXXX ) is not able to issue the payment to me because the title of my car was never transferred to the financing company ( Ally ). I purchased a new vehicle from XXXX XXXX months ago, and the title was never transferred to Ally. I have been contacting both companies to solve the problem, XXXX and Ally, and none of them are taking responsibility for this matter. I have contacted XXXX and they have confirmed that the title of the car is under XXXX Lease name. I have been paying/financing the car through Ally for XXXX months and they seemed to never have the title of the car.

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 2019-09-05
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Duplicated charges from the same doctor 's office since XXXX. My husband signed/authorized the charges only once with every visit to this doctor 's office but they are all duplicated on the Discover Card statements. We have paid Discover Card for these unauthorized  transactions. Dispute department has been contacted in XX/XX/XXXX and XXXX worked to put the credit of {$660.00} and {$140.00} on our account. These then showed up as transfer balances on XX/XX/XXXX and XX/XX/XXXX respectively ( see attached ). Discover Card dispute supervisor ( XXXX ) whom I spoke to on XX/XX/XXXX confirmed that Discover Card has paid the doctor 's office twice for each of these transactions. We have paid Discover Card and expect Discover Card to pay us back in full for the unauthorized charges immediately. It is a mistake made by Discover Card in paying the merchant for unauthorized transactions and their Fraud department should take responsibility for not catching this. Discover Card is unfairly making the payment to us for these unauthorized  transactions dependent on them being able to recoup the money from the merchant as a " transaction by transaction '' dispute and reversing the temporary credit when the merchant is unresponsive or responded that they did not duplicate a charge to Discover Card for a particular disputed transaction. XXXX also told me on the XX/XX/XXXX call that she can only put a partial amount of the total owed to us on permanent credit ( {$770.00} ) and refused/ can not give us permanent credit for the full amount owed to us ( {$1300.00} ). The {$770.00} permanent credit still has not shown up on my account as of this writing. On XX/XX/XXXX, I have received several letters in the mail from Discover Card stating they are unable to settle the disputes in my favor and consider the charge to be valid with merchant 's response attached amounting to {$730.00}. On XX/XX/XXXX I have also reached out to the doctor 's office and spoke with XXXX in Billing. I was told to mail her the statements showing the duplicated/unauthorized transactions. This was mailed to her by registered mail. XXXX made a follow up call to me on XX/XX/XXXX and mentioned XXXX, her supervisor has provided a full report to Discover Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX. ) I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA and Account : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint. I am including it again.

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 2022-08-16
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Zwicker & Associates Attorney at Law XXXX XXXX, XXXXXXXX XXXX XXXX I just got my report and I think it is wrong! I opened an XXXX XXXX card in 2006. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in 2006 on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts XXXX XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX did not exercise grave responsibility when making fake scores. They violated the fair credit reporting act. They were unfair, partial, and did not respect my right to privacy. They never had a permissible purpose. They were never instructed to furnish my 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 2019-11-27
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Comenity Bank the servicer of XXXX XXXX Credit card has been contacting family and associates of mines during the month of XX/XX/2019 and earlier even after they have been told not to on previous occasions. They are violating my privacy and any business matters I have should be with me not anyone else. They are also not complying with the Fair Debt Collection Practices Act as they have released information regarding my debt to non authorized third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I received emails from Capital One stating that my payment had posted. The payment was never posted and the funds had not been taken from my account. The representative on the phone told me that they send them out to avoid any " Late payments. '' Unfortunately this caused me to have 2 payments returned. I sent another payment for {$110.00}, received an email that informed me that the payment posted, I called the following day trying to find out why it had not been posted on my card so I had the available credit ( because I needed it ), and my bank was n't even going to release the funds for another 3-4 days. I did not even have a payment due!!! I was making an early payment. Because I could not wait another week for the funds to be available and because no payment was due for over a month, I decided to take the funds so that I did n't have to wait so long. I could make a payment in a week or two and be fine. Capital One just decided to close my account. This is a secured account. I really messed up my credit in the past and this was my first step in trying to repair my credit. Now I have this account on my credit report that says, " Closed by creditor '' and was only 2 months old. Considering that I received emails saying my payments were posted, I wanted Capital One to either reopen my account, or change the reason why it was closed, as to not have another negative impact on my, already negative, credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
PLEASE BE ADVISED THAT YOUR COLLUSION WITH XXXX XXXX MUST CEASE WE ARE GOING TO FILE CLASS ACTION LITIGATIONS FOR VIOLATING THE XXXX XXXX XXXX AND FCRA 15 U.S.C. sECTION XXXXG YOU HAVE XXXX DAYS TO FORCE XXXX XXXX TO UNBLOCK OUR CREDIT FILES TO ENABLE COMPLETE ACCESS TO OUR SCORE ETC...

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 2022-08-13
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit reporting act XXXXXXXX XXXXXXXX # 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 XXXX 9014 .... Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX  Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX .... Updated The information you disputed has been updated. Please review your report for the details. XXXX XXXX .... Updated The information you disputed has been updated. Please review your report for the details.

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