BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
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  XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Early Warning Services, LLC
State: TX
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 sent in disputes in the past about fraudulent bank accounts being opened in my name as fraud and Identity theft. Please update my information to reflect accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. I submitted a complaint to CFPB on XX/XX/2023 and US Bank responded that they had mailed Declaration of Loss form to me on XX/XX/2023. But I still haven't received any useful documents from US Bank yet besides some promotional mails. 

I trust USPS service in my area because I never miss a letter in over 3 years. I also searched online, there are several victims who have exactly the same experience with me, and some of them still have not got the money back yet. Consequently, I believe there must be some issue on US Bank side related to their mailing system.

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 2020-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Since Im XXXX XXXX XXXX XXXX and on heavy medication, my memory is not up to par however about 1 1/2 years ago, I received a signed by a XXXX County judge judgement t in favor of XXXX in the amount of {$1300.00}. I was shocked because I was never made aware I had a court appointment. This was done behind my back without my knowledge. Then every 4-6 months, Id receive the same letter. Then, yesterday, my bank, XXXX emailed me that a legal hold was placed on my account. After talking to XXXX, they told me that since I am direct deposit SSI that  my funds are protected but they took my XXXX year old daughters money from her high school checking account. She works 2-3 hours most days and had {$110.00} dollars. I called XXXX a d they said this was an old capital one credit card for {$500.00} but they now are representing Capitol One and they need {$2000.00} to release the lien on my bank account. I explained this judgement was done behind my back and it actually was fir {$1300.00} and he said now more attorneys fees added to it and they will continue to take my XXXX year olds money until I pay. The other option is that he will release the lien if I pay {$1500.00} up front. I told him I only have {$940.00} per month on SSI and my rent is {$870.00}. I ha e to rely on family to help me survive.I get food at food closets. I have no car. Im extremely poor. I need your help please. This is an outrage that XXXX are getting away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX : {$18000.00}.

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 2023-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I logged into my account and saw that someone took out {$800.00} from my Chase bank account. Once, I noticed that someone had taken {$800.00} dollars from my account I immediately locked my account and called Chase. I've been dealing with Chase for almost a couple of weeks for them to give me my money back, but Chase doesn't want to give me my money back. Chase claims that I took out the money but I did not even receive a text or an alert when someone took out the money from my bank account. I've been asking Chase to review the camera footage and see who took it but they don't want to. I need something done because it is unfair that Chase doesn't want to give me back my money after someone stole my card and took out the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent XXXX money transfers to XXXX XXXX XXXX XXXX for XXXX vehicles that I had purchased. The first was sent on XX/XX/2023 for XXXX. The second was sent on XX/XX/2023 for XXXX. The name of the company was XXXX XXXX XXXX XXXX from XXXX XXXX XXXX 

I sent the money from my XXXX XXXX account to their Bank of America account. The bank of america account number XXXX with routing number XXXX reference number XXXX. 

After being suspicious of fraud I called XXXX XXXX within XXXX hours to report the fraud.I also called Bank of America and they were no help in this matter and said they couldnt do anything about it. I also filled out an XXXX form and the FBI was notified. I have yet to hear back from anyone. XXXX XXXX VA XXXX XXXX was also notified and they said they have received numerous calls about this company for a week but yet this company still were online and selling the cars. 

The company had all the pictures, videos and titles of each car on their lot. I was sent numerous pictures and videos of the cars and even talked to him on the phone numerous times. 

The claim numbers from the bank are XXXX and XXXX. 

If there is anything else needed please let me know I have the whole conversation on text.

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 2023-03-15
Company: Experian Information Solutions 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:
I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for my XXXX or Experian. The account i'd like to self-report is XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX XXXX XXXX ) XXXX opened on XX/XX/2022.

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 2021-01-28
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is our problem : I accidentally overpaid my XXXX XXXX XXXX bill through my Citibank online banking service on XX/XX/XXXX. Instead of paying the XXXX XXXX XXXX bill which was {$200.00}, I paid them {$1700.00} which was to go to my XXXX XXXX XXXX Visa bill. My mistake. I called XXXX XXXX XXXX about this problem in XXXX, and they told me they would reverse the amount of {$1300.00} ( {$1700.00} minus {$200.00} ) back to us through the Citibank bill pay. That was supposedly done on XX/XX/XXXX. It never showed up. At that time we thought it was the fault of XXXX XXXX XXXX. After many phone calls and letters, XXXX XXXX XXXX created two investigations on their end. We also conferenced call with Citibank agents and XXXX XXXX XXXX agents to prove it to XXXX XXXX XXXX that the reversal had never been received. Finally, after speaking to XXXX XXXX XXXX XXXX Payment Research Team and following their investigation of the problem, they believe ( XXXX XXXX XXXX ) and I believe that the problem was on the Citibank end. At that point in time, we wrote and sent a letter to Citibank detailing the problem and suggestions that XXXX XXXX XXXX had. That was sent and received XX/XX/XXXX by registered mail. We waited and heard nothing back. We sent a second letter by registered mail that was received XX/XX/XXXX and to this day have never heard back. We have been with Citibank since the XXXX 's and thought that at least someone would reach out to us. We hope someone can help us resolve this problem.

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 2018-02-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Complaint : Following the authorization of a one-time charge scheduled for XX/XX/XXXX, XXXX XXXX charged my checking account at least 55 times. Upon receiving notice of these charges, XXXX informed me of an additional 19 charges. Most, but not all, of these charges were refunded. However, on XX/XX/XXXX XXXX charged my account an additional 4 times without issuing a refund. 

I waited more than 45 minutes on hold to speak to a customer service representative on XX/XX/XXXX and more than 60 minutes on XX/XX/XXXX ( see pp.5-6 in attached .pdf ). Although XXXX customer service representatives acknowledged they had never seen this problem before, they refused to provide any information verifying the number or dollar amount of the charges or refunds. 

Timeline / Notes : XX/XX/2018 - Attempted one-time payment with debit card via XXXX website. The website returned an error message stating the payment had not been processed. 

XX/XX/2018 - XXXX charged my checking account 55 times for the payment. The account was refunded 51 times. XXXX customer service admitted to an additional 19 charges that were visible on their end. ( See pp.1-3 in attached .pdf ) XX/XX/18 Call 1 - Despite confirming the charges on their end, XXXX required a bank statement showing the charges from me before they would create a ticket - Although they stated they would resolve the issue, XXXX refused to provide me any evidence verifying how many times they charged or refunded my account. 

- When asked directly, XXXX customer support confirmed all charges would be cancelled / refunded and the one-time payment would not be processed. 

XX/XX/2018 - XXXX charged my checking account an additional 4 times on the morning of XX/XX/XXXX. As of the time of writing ( XXXX XXXX ) the 4x charges have not been refunded. ( See p.4 in attached .pdf ) - XX/XX/18 Call 2 - XXXX customer support team lead advised the 4x charges were authorized on XX/XX/XXXX. No such authorization was granted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 still showing late payment on XXXX XXXX XXXX XXXX despite the multiple letters I sent to XXXX. 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 XXXX XXXX XXXX customer service representative.

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 2023-03-15
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-12
Company: Albert Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Okay well I was adding money to my card to save it because my wife had recently had a XXXX and I wanted to make sure I had extra money saved so I was making deposits from my XXXX XXXX  out to this card While I was at the hospital with my wife someone had stole my card I guess or my card number and was making transactions from XXXX and XXXX XXXX which I don't know what that is I disputed it and they sent me back something saying the transactions needs to be verified and verification was given I'm not understanding what that means but I did not use the card especially for no XXXX gold coins and now they're not helping me get this problem resolved the questions they ask are a set up no matter what u say your wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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. 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 2023-03-15
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-01-14
Company: JPMORGAN CHASE & CO.
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:
I opened a credit card account with Chase in XX/XX/XXXX ( SLATE Card ) under a military program. I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have been trying to fix it with CHASE and they keep on telling me that my Slate CC was not covered under that program due to some amendments. That being said, I recently opened another credit card account, the Freedom card around XXXX or XXXX of last year to consolidate all my CC accounts into that account. It so happened that they had a great offer with that account, and zero transfer for 18 months. I have been very patient with Chase to help me out with the Slate card and they kept on turning it down. I even ask them several times to let me know before I use it again to transfer some balance once again and there were no answers until I recently executed a big transfer a couple of months ago and they immediately charge that account of $ 200+ of charge fees!!! I told them that I will not use those accounts ever again and I will report them for what they have done. I need some help on these issues. I am currently paying the minimum until I resolve this issue with CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Transunion, XXXX, XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I  recently conducted a review of my credit report, and I noticed that your agency showed several credit inquiries that I find to be problematic. 

These inquiries are curious because every since I learned that my Identity was compromised in XXXX, I gave up on applying for any form of credit. I have no recollection of doing any business with the below companies.. 

I contacted each company, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this get the right, and fair, attention. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, XXXX XXXX The List of Hard INquiries reported on my credit reports : XXXX - XX/XX/XXXX XXXX   XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX and XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - 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 explanation