BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
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 was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
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 2022-08-30
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a letter in the mail from US Bank regarding a exclusive promotional offer of opening checking account that was linked to my business credit card that I have with them in the beginning of XX/XX/2022. 

The terms of the promotion stated : XXXX. Open a business checking account with promo code XXXX XXXX. Deposit {$5000.00} in new money within 30 days of account opening XXXX. Enroll in U.S. Bank online banking or mobile app XXXX. Complete 5 qualifying transactions within 90 days of account opening Once the terms were completed XXXX points ( equivalent to {$500.00} ) would be added to my business credit card within 45 days of completing the above requirements. 

I opened the account on XX/XX/2022 and used my U.SXXXX business credit card to fund the account with {$200.00}. I enrolled in online banking on the same day. I did an external transfer from an outside bank of {$4800.00} on XX/XX/XXXX. I completed 6 qualifying transactions between XX/XX/XXXX and XX/XX/XXXX. 

After waiting 45 days and not receiving the bonus I called and spoke to a representative to see when and if the bonus would be posted to my account. The lady whom I spoke to had to do further research and stated someone would contact me within 3 business days. I received a call 10 days later stating the terms of the promotion were not met. The {$200.00} that was used to fund the account was not considered " new money '' and therefore the bonus could not be given. 

Even though I used my U.S. Bank business credit card to fund the initial opening, I use an outside bank to pay the credit card bill. So the technicality of " new money '' can be open to interpretation. 

Afterwards, I called countless times speaking to multiple representatives with each time having to explain the whole situation from the very beginning. Each representative gave me a different response and was told I would hear back at a certain time when I did not hear back at all. One representative gave me their e-mail and advised me to reach out to them if I did not hear back in 24 hours. After 72 hours passed I emailed the representative and received no response. 

I am more disappointed in the service I was provided. I have a brokerage account, personal checking account, business credit card, and now a business checking account with U.S. Bank. For them to not value me as a customer was disappointing to say the least.

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 2022-08-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The issues that I am having an issue with my private student loan. I filed bankruptcy in XX/XX/2019 and it was discharged XX/XX/2019. The bankruptcy case # XXXX. Im still being charged for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: IL
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:
After a review of my credit report I began disputing a fraudulent account appearing on my credit report. 
XXXX performed their investigation and removed the fraudulent account. I continued to dispute with XXXX and Experian with no resolve until submitting a complaint with the FTC. 
After the FTC complaint investigation, XXXX  then removed the fraudulent account. 
Experian changed the name of the disputed fraudulent creditor to the name of yet another fraudulent creditor using the same information ( alleged account number, alleged amount, etc. ) I have filed another complaint with the FTC. This alleged account has been investigated and removed twice already and Experian continues to reinsert this fraudulent account under different name variations.

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 2022-08-30
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:
I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, XXXX Bankruptcy Court Dock # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I 've been waiting days for the bank to update me about a transaction for funds that were never despensed out of a ATM. All they can say is that they have no estimated time frame for the issue to be fixed. Nor do they have any updates. Sounds like they do n't know what they 're doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
At first my account went negative and I asked Citibank why am I negative they said franchise tax board put a lien and took the money. I called franchise and they said it was not them. After so much back and forth with the fraud company it ended up being a forced transaction from XXXXXXXX XXXX car. My car was a total loss my insurance company paid XXXX XXXX car for me. A month later Citibank charged my account and left me in the negative. I filed a claim it was denied so my account has been negative since. I am XXXX XXXX XXXX and was on XXXX and was not getting any money and explained that to them. I got a call, email said I have to bring the account current before 15 days before it is closed. I paid brought the account negative within the 15 days and they said they cant stop the account closure. For one they are my bank they should support me and I faxed an appeal and the receipt form XXXX that they paid my rental for XXXX and I didnt get a response from Citibank . I went to branch and manager XXXX said she cant help me to keep my account open that it is up to back office. Why did they send me a letter to pay to bring current to prevent closure but now that it is current there is nothing they can do.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act TXXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX have 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 an 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 non-monetary relief
Consumer complaint received 2022-08-06
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a chime checking and savings acct.i received a deposit and needed to send my tenant some money. It asked me to use her name or email or chime tag..I used her name as she is a chime user and in my contacts I've never sent her money previously. Her name came up I proceeded to send her XXXX. She never received it we both called immediately and was told to file a dispute I did.sevral hours later I got denied no explanation or answers to where my money was. I spent hours trying to get answers only to be told nothing ..it 's gone ... unacceptable..that is not how banks do things ..I can't believe they just are like so sorry bye.In trying to find help I've read that this happens all the time chime steals people 's monies ..how is this legal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my card open 4-5 years plus and have yet to have a credit increase, even after paying on card on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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 company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: NJ
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 been so patient with Experian but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1500.00}

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 2022-10-03
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I set up a Square account for my XXXX and XXXX XXXX XXXX  and I processed 2 transactions and 2 transactions got declined for reasons out of my control. 

They wanted me to verify my account which I did. I sent the my XXXX  paperwork, Drivers License, Linked my bank account and 4 other things of proof and they deactivated my account and are holding my money until XXXX. 

They need to release my funds to my linked business account instantly. 

This is not fair practices and it is discriminatory. 

All of my business paperwork is current and licenses valid. 

They need to release my money. 

Square is participating in discriminatory Banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I noticed I was having issues with my account. They closed it without my knowledge, without any warning & without my permission. I have always paid my account on time. I believe this is in retaliation of filing a complaint with them because they would not help me with a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: BBVA FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 BBVA locked my acct without reason. I was told conflicting information as to why my acct was locked. I emailed paperwork as they requested. ( 3x ) I have left messages for the investigator, XXXX XXXX 3 to be exact she has never returned my call. I spoke with a rep XXXX XXXX she gave me her direct email address to send info. I never heard back from her. Every time I call reps are not helpful. The call either drops or they transfer you without telling you. They have the worst customer service. To date my acct has been locked since XXXX. I received a letter stating they are investigating my acct and it will take 10 days. That was on the XXXX of XXXX. No one has contacted me regarding the outcome. And when I call reps just say I need to speak to fraud dept because they have no info to give me. Meanwhile the bank is holding my money hostage. This is illegal bad business practices. I need help. These banks are bullying people. And non one seems to be able to help. I can't pay my bills. I'd like my money and to close my account with this bank. I tried to get some resolution today and again I was transfered to another rep by the name of XXXX who I was told was the back up person to the rep handling my acct. He too did not answer the line and I was prompted to leave yet another message. Why is my acct still locked?? Why is no one returning my calls? .. Why did the letter I received said it will only take 10 days?? This is unfair!! The are holding {$13000.00} with no explanations. They never reached out to the loan company to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: AR
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 Account # XXXX, and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor 10 XXXX XXXX Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX I have been disputing these charges/reports via XXXX XXXX since 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 2021-07-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXXPlease remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, EQUIFAX, XXXX  the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Global Payments Check Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GLOBAL PAYMENTS CHECK SE XXXX I was a victim of fraud and have attached the document from a ID thief case I have never done any business with GLOBAL PAYMENTS CHECK SE. Please delete this account from my credit report. 
This can be done by submitting a UDF form to all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: MO
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX XXXX, XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX, and XXXX  XXXX have 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 an 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 non-monetary relief
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
my wallet was stolen a few years ago out of my purse while i was traveling, since then my identity had been compromised and accounts and inquiries have been done in my name this is a identity theft dispute. ive tried reaching out to the company couldnt get the proper assistance ive even sent my supporting documents to the bureau and im not getting any response.

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 2020-04-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had a credit card through XXXX XXXX XXXX, that went delinquent in XXXX of XXXX. In XXXX of XXXX, it was charged off. 

However, on my Experian credit report - XXXX XXXX XXXX  is providing wrong information. They are reporting that the Date of First Delinquency was on XX/XX/XXXX. That is incorrect! The last time I ever paid was in XX/XX/XXXX. It was charged off in XX/XX/XXXX after being more then 120 days late. 

Because of the INACCURATE information reported by XXXX XXXX XXXX, Experian is not able to remove my negative credit history, even though it has been more then 7.5 years. 

I have tried to dispute this information with Experian multiple times, but they are saying that XXXX XXXX XXXX  is reporting the above INACCURATE information. 

I have tried to contact XXXX XXXX XXXX, however they simply do not pick up the phones.

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