BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: U.S. BANCORP
State: KY
Product: Credit card or 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 purchased a XXXX  gift card from XXXXXXXX  a company of US Bank at XXXX grocery store. 

When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the XXXX at XXXX and the sid they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. 
They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. 
I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.

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 2018-12-19
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
On XXXX of 2018 My XXXX XXXX was wrecked and totaled. At the time my account had a balance. Prior to my due date my insurance company sent a check of XXXX for payoff of my vehicle. 

There is still a shortage on the account and a gap claim has been filed. I am awaiting for them to send the payment over Per my insurance company it has already been sent. 

However even with the shortage the check of XXXX should have counted towards my payments there is no way Chase should be placing late marks on my credit they just placed one today

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made a hotel reservation using USbank reward point on XXXX for my XX/XX/XXXX travel. after that Covid19 happened, I requested cancel my hotel reservation on XX/XX/XXXX. because it was refundable reservation. it supposed to be back to my account but I already switched credit card product usbank flex perks to usbank travel rewards.so agent told me I will receive refund check instead. 
but they never send me a check for {$130.00}. whenever I call to them customer service toss me to special agent and special agent toss me to member service department and member service depart ment send back to cutomer service center. no one knows what they can do. 
it is simple. 
I made a reservation through usbank travel. 
it is refundable. one night cost {$130.00} I requested cancel trip before deadline.

Usbank send me check for that. 
thats all. 
but they didnt do that

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 2020-07-09
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft and the EQUIFAX data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to Equifax, XXXX, and XXXX  on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
South west credit systems XXXX stated that owe an amount already paid to XXXX  there is no exchange for amount or consideration. There is no loan and should not be inferred. XXXX  has all equipment in possession yet expected again to show reception and I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Revolut Technologies Inc.
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husbands 's salary is set to direct deposit ( {$3400.00} ) to my personal Revolut XXXX  checking account has been " pending. '' They are hassling me about the source and purpose of this money. I supplied the last 3 earnings statements and they are still withholding this deposit. 
Money was to be deposited XX/XX/2020. They do not appear to be in any rush to solve my problem ( not solved as of the writing of this complaint ). The money has not been unfrozen - and they do not want the direct depositing of his salary to my account ( Revolut does not offer joint accounts - that is why he is not listed on the account ).

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 2020-11-25
Company: CITIBANK, N.A.
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:
On XX/XX/, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, DSNB/MACY 'S add a hard inquiry on my credit report per 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
Consumer complaint received 2020-04-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem is still not fixed. The mortgage company does not seem to understand how to apply payments and continues to put my weekly payments into suspense and charging late fees, when payments are received well before their deadline of the XXXX monthly. I have been charged bogus late fees and have had to submit many complaints and PHH is still not acknowledging their errors. PLEASE HELP. 
Previous complaint numbers XXXX & XXXX Lets start with XXXX payment. 
XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$1100.00} = XXXX paid in full by XX/XX/XXXX XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX XXXX XXXX=XXXX paid in full by XX/XX/XXXX XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$430.00} = XXXX paid in full by XX/XX/XXXX Financial institutions were closed on XX/XX/XXXX due to XXXX day - so if the payment was delayed in being processed by PHH, it was not my fault, as it was there on the XXXX. 
XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX $ XXXX XXXX paid in full by XX/XX/XXXX XXXX payments made as of today XX/XX/XXXX XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00} = {$2100.00} paid toward the XXXX payment STOP PUTTING MY PAYMENTS INTO SUSPENSE AND CREDIT MY ACCOUNT AS PAYMENTS ARE RECEIVED. YOU CHARGED ME LATE EVEN WHEN PAYMENTS WERE PAID IN FULL PRIOR TO THE XXXX. REMOVE ALL LATE FEES CHARGED AND REIMBURSEMENT ME FOR UNJUSTIFIED LATE FEES PHH TOOK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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:
On XX/XX/XXXX Experian was sent a SECOND letter via certified mail ( copy attached ) detailing inaccuracies in credit reporting and verification. This letter was complete with all company names, account numbers, and specific concerns involving each item in question. A copy of state issued drivers license and social security card were also inculed as identity verification. As of todays date XX/XX/XXXX, there has been no response to the demands indicated in that letter. A complaint was filed with CFPB and on XX/XX/XXXX XXXX  responded that they were unablle to proceed because they needed the names and account numbers that they had already been provived. Experian continues to maintain that they have investigated and results are accurately reporting despite never providing details of how this investegation results were determined per my rights as a Texas consumer. Experian ia also sharing information with a third party company XXXX which was not authorized by me. This third party company has also been sent cease and desist letter yet Experian continues to illegally provide/ exchange my personal information with this third party company without my authorization or consent.

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 2020-04-08
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
PayPal extorted my money. During this difficult time due to covid19 my work place is shut down and I am not able to work. Because of this I have no money. My friends reached out to me and tried to send me donations via PayPal because they know my difficult situation and that I have XXXX children who need food. First they charged me a fee from the donation money sent to me. Second they claim I am a new seller and that they must hold my money for 21 days. I am neither a buyer or a seller. I am a recipient of Charity. These people are just sick stealing from a family in need during a global crisis. More than likely they are also collecting interest on my money while they " hold it '' and they won't give it to me for 21 days. You have to be a real evil company to steal from a guy with XXXX kids. I will never use or recommend their service to anyone ever again. If you want to send a friend money or receive money from a friend don't use PayPal ...

Company response to consumer: Closed with non-monetary relief
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 account has already been investigated and the inaccurate account removed. I am requesting that Transition follow suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
XX/XX/XXXX we rented a car from XXXX in XXXX, through a broker, XXXX XXXX. Rental car fees were charged to our Chase Visa card. Under the terms of the rental agreement, local taxes, and misc fees were to be invoiced after return of the car. Upon receiving a billing to our credit card for XXXX XXXX from XXXX after the rental period, we found that this billing included XXXX XXXX for refueling the car, despite the car being returned full. We filed a complaint with our credit card bank, Chase, and the dispute was resolved in our favor. XXXX issued a credit for XXXX XXXX. 
Subsequently XXXX claimed that they were never paid the undisputed amount of XXXX XXXX by Chase. Despite several letters from us, they turned the non-payment over to a payment recovery company, XXXX, who threatened legal action. Chase states that XXXX has been paid. In three separate conversations with Chase, including one with a supervisor, Chase maintains that XXXX has been paid. I have requested that Chase furnish tracking information so that if Chase has paid XXXX, the payment can be traced. Chase refuses to provide tracking information - their position is that the charges appear on their credit card statement, therefore XXXX has been paid. 
At Chase 's suggestion I have furnished XXXX with copies of all credit card statements of our credit card since XXXX, 2015, asking them to check their bank for payment, all to no avail. XXXX advises that they have checked and continues to insist that it has not been paid. 
In conclusion, it is impossible for us to resolve this issue. We have paid Chase for the non-disputed amount. XXXX insists that they have not been paid, Chase insists that it has made payment, but refuses to provide payment tracking information. 
Note that the outstanding amount has now dropped to XXXX XXXX as a result of XXXX offering a further discount of XXXX XXXX to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2020-07-09
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$590.00}

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 2020-10-16
Company: FMS Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In two written statements to FMS INC I've made it clear that the two accounts in collections that they hold on my credit report are not mine and are a result of Identity theft. Dates of both letters are XX/XX/XXXX and XX/XX/XXXX while expressing to cease contact. 
I received three calls today, XX/XX/XXXX and three calls a day for the last two months attempting to collect this debt. I've blocked each number. A new number calls each time and the voicemail state FMS INC in an automated attempt to collect. 
Today, XX/XX/XXXX a XXXX account was made with my name, pictures of my family and a profile picture that was not me. Also, a XXXX number was used. This account showed up on mother 's account impersonating me and or trying to gather information on me. 
Either way this is disturbing behavior and a part of a long series of behavior to either use my identity or collect on debts that are a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
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:
Company or Organization : XXXX XXXX XXXX Account NumberXXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX  Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have contacted Transunion 3 times about a collection account on my credit report. They did not send me physical proof verifying that this account is mine. They claimed they verified it but this account does not belong to me and I do not have a contract with this company. Transunion refuses to send me information on how they verified this account as mine. I already contacted the Collection agency and they also did not send me Verifiable proof with my signature or contract with this company. Transunion is not compliant according to the FCRA and are reporting fraudulent and inaccurate information on my credit report without any proof or authorization. I also believe that the three credit bureaus are still communicating with each other because even though my accounts are frozen two of the three bureaus didn't have this account and now all of a sudden 2 out of three have this account now. If this is the case then anyone can report fraudulent information onto my credit report without the accurate information.

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