BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-12-10
Company: EQUIFAX, INC.
State: VA
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:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating XXXX 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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 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 2019-08-13
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I observed an unknow debt collection account for {$370.00} from Peter Roberts & Associates. After investigating this matter further with the original creditor XXXX XXXX XXXX XXXX and Peter Roberts & Associates, I became aware that I was a victim of Identity Theft. I immediately contacted XXXX to conduct an investigation and provided all relevant documentation i.e. police report etc. to XXXX, XXXX XXXX XXXX XXXX and Peter Roberts & Associates. Unfortunately, after providing all of this information and documentation, both XXXX and Peter Roberts & Associates refused to remove this fraudulent account from my credit report. I am now forced to pursue legal action against this company as they refuse to remedy this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Truist has let outside lenders charge my account when I have no money in my account. And they are steady charging me over drafts fees of {$36.00}

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 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Credit card account with Bank of America Account number XXXX XXXX XXXX XXXX was closed in XX/XX/2021, with a credit balance of - {$5000.00} BofA stated at closure that the overpayment funds would be sent to me within a week. I did not receive them. I called again and was told that for some reason it was not processed, but would be now and would be paid by transfer to my checking account for which I provided routing and account numbers. I made a third request. 

STILL NO REFUND. 

One month of trying to recover funds for overpayment of account, which is closed.

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 2018-05-24
Company: EQUIFAX, INC.
State: FL
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 really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX Date Opened>>> XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 BK Of Amer has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.

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 2018-12-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased an area rug from XXXX  's online on XX/XX/2018. The rug arrived and the color was different that pictured. I tried to return the rug to the downtown store where they sell rugs but they refused to take it. I was forced to ship the rug back which I did. The XXXX tracking indicates the rug arrived at XXXX 's on XX/XX/2018. They have not issued a credit to my credit card and when I call to complain they tell me they have to have the warehouse find it which is ridiculous! While they continue to delay the credit I am being charged interest on the item when they clearly have possession of it.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Please see the attached document, entitled, XXXX XXXX Breach. This letter is a very detailed documentation of my victimization and whereby, funds were stolen from my XXXX XXXX Debit Card and although I reported timely, XXXX XXXX denied my claim and refused to reimburse the more than {$700.00} taken from me through the unauthorized use of my debit card. 

This letter was sent to Ms. XXXX XXXX, Senior Vice President with Comerica Bank, more than 2 months ago. I faxed this letter directly to her office and subsequent to my fax, followed-up with a phone call to Ms.XXXX   's personal assistant who advised me that all 5 pages of my fax had been received and she was placing them on Ms. XXXX 's desk. 

I've called to speak with Ms. XXXX no fewer than five ( 5 ) times since having sent the fax. She's never returned a phone call, e-mail, or in anyway has she acknowledged receipt of my documentation, nor acknowledged the egregious behavior of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a verbal agreement with Nissan of XXXX XXXX finance officer XXXX XXXX for an out the door price of a little under {$27000.00} for a XXXX XXXX vin # XXXX. While signing papers After XXXX XXXX  XXXX asked me questions and complimented my appearance and job as a XXXX  XXXX XXXX profusely. When we got to the purchase agreement I pointed to the bottom number of {$27000.00} as said that it was more than our agreed upon price. He said it was because I was paying what was owed on the lease. I signed the paper thinking that was my purchase price. When I got home I was looking over the paper as saw that he lied. The amount mentioned was my loan agreement not the purchase price. My down payment had been added to the verbally agreed upon price and that was the sale price. I arrived at Nissan of XXXX XXXX at opening but was told I had no recourse but to speak with XXXX XXXX I waited over an hour to find out he was not due in till XXXX and his manager XXXX XXXX at XXXX. I will return at that time. XXXX was unethical by distracting me while and lying to me. I made it clear multiple times that the agreed upon purchase price was the out the door price of about {$27000.00}. XXXX lied to me multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

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 2021-11-28
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2021, I called today to removed website 's information that had a credit score. XXXX said that the score was from XXXX which is false statement it is actually a advantage score from them, I asked the person on the phone from the company of U.S. bank ( XXXX ) to remove it from my web page so I don't see it, he ( XXXX ) then talk down to me using semantics just 'cause I didn't use the term that he use he was insistent in driving in the point that is the term he use was right and not what I was read right from there webpage, I called it a shortcut credit score he didn't like what I called it and was unwilling move on unless he argued that point, then I said are you saying XXXX can put stuff on my webpage your account and you can't take it off. It seems like a simple fix to me just remove it from the web page. 1. you would have to explain to me why you can not take off a credit score from your on website. After that I called back to the bank to complain and because I didn't want to be referred to by my first name he then refused to move forward with the process of giving me information on how to complain, not even using other way to confirm my identity 2. You have to explain why there is only one way to confirm a person ID on with the first name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase bank advertises that its new XXXX person-to-person money transfer service allows the account holder to send and receive money in minutes at no fees. Following this representation, I received two Chase XXXX transfers and turned around and sent the money a bit later to another person. Chase charged me a {$34.00} fee twice for a total of {$68.00} of insufficient funds fees. Chase stated that there is a delay between when the XXXX transfer is received and when the money is actually available in the account.I was never told about this delay. Chase claims that because of this delay, my account was briefly negative and therefore Chase charged me {$68.00} in fees for two small transactions of {$100.00} and {$49.00} respectively. 

I believe that this is a deceptive practice that caused me to rely on their false advertising and incurred fees that I would not have incurred have I known of this delay that they are describing and that I was never made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: ProCollect, Inc.
State: FL
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:
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-08-10
Company: JPMORGAN CHASE & CO.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Former creditor JP Morgan Chase/Amazon willfully allowed another XXXX dollar in asset company XXXX XXXX to make unauthorized fraudulent charges up to a total of 1 to 6 a day totaling $ XXXX to card ending in XXXX. This account was closed {$0.00} balance in XX/XX/2020. In XXXX Chase opened acct XXXX ane reported to all 3 bureaus decreasing my score from XXXX to XXXX. As a result unable to refinance my home even though all other creditors reflect an outstanding payment history Police report was provided but a consumer statement was not accommodated. Contacted FTC case XXXX ; and OCC referred case # XXXX to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi my name is XXXX XXXX i am filling a complaint against Bank of America for not allowing me to fully use my checking account for overdrafting i have been with bank of america for XXXX  years and majority of my time with them they allowed me to overdraft but ever since XX/XX/XXXX of 2021 they stopped allowing me to overdraft on my account i feel like they are being bias and unfair for not letting me have the freedom of my account to use at all times even if i do overdraft the money is always given back to bank of america with this situation occuring i have no money to pay for my medical prescriptions and other occuring emergencies like utilities me being XXXX  and a XXXX  bank of america has really failed me im asking for a full investigation so that this matter doesn't happened to any other customer.

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 2022-12-10
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Peter Roberts and Associates issued a XXXX $ claim against me the reported to XXXX. This debt was not only paid in full at an amount of double which I have bank statement proof but do to the lack of reporting I filed a claim and the claim was ruled in my favor after proof of evidence was submitted by me. 

They re-issued a claim and stated money is owed when this is not the case and they also told me that I owed double the payment and double was not reported to any agency. 

I paid a total of double {$350.00} and now they are trying to collect another {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
During XXXX of 2017 I attempted to close my credit card with XXXX XXXX ( XXXX XXXX XXXX ). 
I had a credit balance and they refunded the balance by check but would not close my card. It has affected my ability to open a credit facility with another bank. 
I called them today and asked if I could record the call where they would close the credit card. They said because I had asked to record the call they had to hang up. 
To my knowledge the card is still open.

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 2022-12-30
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I own the fact that I was scammed, but when trying to resolve this with Cash App, once I reported the transaction as a scam on XX/XX/15, the other user was blocked. I notified them within hours of completing the transfer. I had to wait 2 weeks to find out today that they were waiting for the scammer to approve my refund- and since she didnt, Im not getting my money back. Now Cash App is telling me to resolve it with the recipient, which I can not do since shes blocked - by their doing. They have no protection for their users and Im out {$150.00}.

Company response to consumer: Closed with explanation