BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX Credit Card, for which I intended only to use for gasoline purchases at a local XXXX XXXX XXXX. On XX/XX/XXXX, the bank who manages this credit card, First National Bank of Omaha ( FNBO ), sent me a letter saying they couldnt check my credit unless I removed a credit freeze from my credit bureau accounts. I didnt get their letter until XX/XX/XXXX, but I removed the freeze temporarily, from XX/XX/XXXX to XX/XX/XXXX. Once the freeze was removed, FNBO was able to run my credit report. Today, I received a letter from them, in which they now claim that they cant continue with my application unless I provide the following information ( also shown in the attached file ) within 20 days : 1. Copy of my driver license/state ID verifying my mailing address 2. Signed copy of my original social security card 3. Copies of W2s for the past 2 years I called the bank to express my extreme concern that they are asking for this information as I feel its excessive to ask of a consumer who has a XXXX score of XXXX. In addition, when I advised the rep that I am retired and dont have W2s, she said I could send in my tax returns for the past 2 years.

Although I dont understand the need to verify my address since Ive already received 2 letters from them at my address and Ive lived at that address for 11 years, I am willing to provide them with a copy of my drivers license. For the social security card, why do they need this? Theyve already ran a credit report with the social security number I provided on my application. For the W2 request, asking me to provide 2 years of tax returns is overkill. 

Ive had credit card accounts since XXXX and have always excellent payment history, and currently I am only using 4 % of my available credit, as confirmed by my XXXX account. I have NEVER had to provide this level of documentation to any credit card company, but in particular, for this type of credit card, which I intend to use only for gasoline purchases, and don't expect the credit limit to be more that {$500.00}. 

It seems as if this bank wants to deliberately make it difficult for me to obtain their credit card. To reiterate, I have a XXXX score of XXXX. There is no reason for them to ask for these types of additional documentation.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-02-12
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
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 have an account with XXXX XXXX XXXX. I applied for the card to rebuild my credit. I have a small Account consisting of {$1500.00}. I make the full payment each month. However the last two months the Balance has been over {$1500.00}. They told me it's because I made payments over that amount however I don't know how that's possible because If I try to use the card it will either show " Denied '' or " Approved ''. 

On XX/XX/XXXX i made a payment of {$1500.00}. I was able to use the full amount of my balance {$1500.00}, however when I tried to schedule my next payment on XX/XX/XXXX it said I still owe {$68.00}  due XX/XX/XXXX from the previous month. 

They said every time i go over my alloted {$1500.00} I get reported. I extremely frustrated because of the following : 1. ) I pay my card in full each month but for some reason they with hold or not show some purchases on the card. WHich leads to confusing balance updates 2. ) Then they charge me for over charging my card, which they have t power to deny payments.

3. ) They report this behavior like its my fault they can't keep up with the purchases on my card. I get the negative hit and they make it look like its the consumers fault 4. ) in the end its their fault for not updating my purchases and payments in time.

I'd like to report them for this terrible, unethical behavior. It's bad business.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint against Experian, XXXX, XXXX, and XXXX regarding unauthorized hard inquiries, fraudulently obtained bankruptcy information, and incorrect personal information that is being reported on my credit report. I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and warrant an investigation. I kindly request that the Consumer Financial Protection Bureau investigate the following issues : XXXX. Unauthorized Hard Inquiries : 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 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

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 2022-02-23
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:
I am so bewildered about this situation. I've submitted this complaint 3 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Note, CFPB closed similar previously submitted complaint without informing me of why, when the website stated my complaint was pending additional information. When I called, I was told it was believed a 3rd party submitted the complaint although the complaint was submitted from my account. 

On XX/XX/2022, I sold my home and received a net payment of {$62000.00}, via wire. Since that day, I have carefully balanced spending to ensure I manage my money properly and to ensure my bank is a proper steward of my funds. On XX/XX/2022, I logged into my account to check transactions and I noticed the bank had some suspicious accounting. At the end of XX/XX/2022, I had {$10000.00}. The first transaction from XX/XX/2022 shows my balance had dropped to {$4000.00}. On XX/XX/2022, I called the bank and spoke to a representative who claimed to " not see what I see ''. I explained to the representative that there is no accounting on their part that could explain over {$6000.00} missing from my account. The representative then tried to explain that " pending transactions '' had been ledgered, but I explained to her that there was no transactions anywhere close to that amount that would justify such a drop. I also explained that my daily balance emails at no point indicated I had a {$4000.00} balance. I requested an executive review and was told someone could speak to me but I had to get into work. I called back and requested to speak to a senior management official and the representative again claimed to not see what I was referencing " on their end ''. It then appeared the representative was not able to comprehend my concern and began mixing up the transaction I was referencing with my current balance. The representative put me on hold to " escalate '' the call but after XXXX minutes simply came back on the line to tell me a manager would be in touch within one business day. I then attempted to contact the fraud department. I was told the the app " sometimes doesn't reflect what is shown online. This is nonsensical and opens consumers up to fraud and mismanagement due to failure to account for funds. I was told that the pending credit from a furniture retailer for {$6200.00} was NOT calculated as part of my daily balance because it hadn't been credited yet. However, what I can see on the banking app contradicts what they are saying at the bank. I've monitored my account very carefully to account for expenses and budgeting for my new home. I request CFPB review all the phone calls from XX/XX/2022 and obtain transaction history staring from XX/XX/2022 to present with a USAA representative. I believe the bank has stolen my money and I request an investigation into USAA 's management of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To whom it may concern, I have tried several times ( 4 to be exact ) to get Trans Union, XXXX, XXXX, and XXXX to investigate my credit file as they are reporting inaccurate information. I noticed that they were reporting bankruptcies on my credit file that they received from XXXX which I noticed was also reporting inaccurate information to Trans Union, XXXX, and XXXX. I contacted XXXX by mail, and they advised that Trans Union, XXXX, and XXXX  has never responded to their request to initiate an investigation into the inaccuracies that they have been reporting. I have attached letter correspondence between XXXX and I which states that they reached out to all 3 credit bureaus who are simply stating that they will not re-investigate their inaccuracies. I have also put a freeze on my XXXX file until the inaccuracies are fixed by XXXX. I have contacted the bankruptcy courts who stated that they did not report any court filings about me containing my social security number to XXXX, Trans Union, XXXX, or XXXX. Note that I am a " XXXX '' and my father shares the exact same name and addresses attached to his credit file. If the original source of those reports ( The Federal Courts ) is stating that they did not provide any information to either of those bureaus regarding any cases, if any that I'm involved in, then how is this being reported on my credit file? Since XXXX, XXXX, Trans Union and XXXX  have all refused to correct those inaccuracies, I am filing a complaint with your office. I have also attached all USPS certified returned confirmation slips that confirm that all four credit reporting bureaus received my disputes and refused to follow the guidelines set forth in the Fair Credit Reporting Act. 

I have also contacted XXXX, XXXX  and Trans Union in reference to a collection account that was added to my credit file without me receiving any notification of this collection account. I have sent four dispute letters to each agency and only XXXX  corrected their file to report accurately. XXXX   conducted the proper investigation into the frivolous collection account and removed it, then why are the other 2 bureaus refusing to do the same? Any assistance from your office to get these credit bureaus to conduct proper investigations into inaccuracies on my credit files would be appreciated.

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 2023-08-21
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, {$500.00} was charged on my XXXX XXXX XXXX  at Victoria Secret in XXXX, I contacted the credit card company to disputed it, however my dispute was denied by the credit card company. 

Joint card holder/my wife and I did not make the purchase or have not been to XXXX, my wife has Victoria Secret card, never use other cards at Victoria Secret . 

This is a fraud by a fake card, it is very suspicious obviously according to the transaction record XXXX provided to me, however Victoria Secrete worker did not check their ID at cashier.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-06
Company: Experian Information Solutions 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:
THIS COMPANY IS A XXXX XXXX XXXXXXXX FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS COMPANY IS MARKING MY PAYMENTS LATE WHEN THEY KNEW I WAS AFFEECTED DIRECTLY BY XXXX I DEMAND THESE ITEMS REPAIRED XX/XX/21 AND XX/XX/21 THESE PAYMENTS WERE AFFECTED BY XXXX XXXX XXXX XXXX XXXX XXXX AND I SENT PROOF THAT I COULD NOT POSSIBLEY XXXX OR XXXX OR XXXX IN ADDITION I PAID XXXX SO THESE IDIOTS NEED TO FIX IT THIS IS MY XXXX TIME COMPLAINING THEY IGNORE YOU AND THEY IGNORE ME I AM FINDING AN ATTORNEY TO SUE XXXX THEY ARE ALL XXXX AND DO NOT CARE ABOUT CONSUMERS. THIS COMPANY IS FRAUDULENT IN ITS PRACTICIES AND NEEDS TO BE HELD ACCOUNTABLE. I DEMAND MY CREDIT REPORT FIXED THE CREDIT CARE ACT SAYS I CAN NOT BE PUNISHED FOR BEING SICK REMOVE ALL NEGS NOW ITS SUPPOSE TO REPORT ON TIME AS REQUIRED BY CARE ACT

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is an account reporting on my credit report from XXXX XXXX which is saying the balance is coming from XXXX XXXX XXXX XXXX from XX/XX/2012. I never signed a joint lease with anyone, I have asked several times for a copy of this lease I supposed I signed. The credit bureau is allowing this allow to report on my credit report when it does not belong to me, Please have this account investigated and removed from my credit report. I contact the original credit XXXX XXXX and they are telling me they don't have a lease agreement with me or never had one with me. So I'm not sure where they are getting this information from. Please remove immediately. Thanks, 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 2020-03-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Under penalties of perjury LIES and Fabrication of statements JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
XXXX : XXXX, XXXX. 
We suffer from XXXX XXXX  now, XXXX XXXX XXXX, our grand kids are distinct now, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008 and never assigned to no one. 
Please HELP Help.We are retired and can't cope with this anymore PLEASE HELP ME ... 
They call my kids my grandkids my neighbors they come knocking on everyone 's home they harass us every day PLEASE HELP US STOP THEM we are old and retired and can not deal with this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a of bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX   XXXX {$370.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$1000.00} American Express Giftcard as a part of a XXXX XXXX XXXX through my work. I have been trying to use the card on multiple online vendors, and have not gotten any store so far to take the card. This is extremely frustrating as I have now read multiple reports of people having the exact same issues and have had no luck getting them resolved with the company. In fact, many have been told to " just use it other places until you find somewhere that works ''. In my opinion this is not an acceptable resolution for this issue. Please help me get the money from this card so that I am actually able to use it. Holding money in this matter with no way to spend it when it is supposed to be " accepted virtually anywhere American Express is accepted '' is false advertising and should be criminal.

Company response to consumer: Closed with monetary relief