BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This was opened fraudulently by someone else. I contacted XXXX XXXX the moment I saw them on my credit report and it was closed two months after opening in XX/XX/2019. It, unfortunately, despite being reported as being a fraudulent account with fraudulent charges, has been being reported on my credit report ever since. It keeps saying I'm late on payments and hurting my credit score. It's closed and the charges aren't mine. XXXX DO YOU MEAN?!

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 2022-10-18
Company: FISERV INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Direct deposit account for my check was deposited Into a account that I cant access because theyre claiming my employer didnt submit my information, and I cant activate it without the banks acknowledgment being in there system submitted by my employer and also XXXX XXXX where we can access our pay stubs shows they received the money on, On XX/XX/XXXX XXXX was payday for our company. The week ends on Thursday and our new week starts again and paychecks are Friday weekly.XXXX XXXX XXXX my net pay what is {$350.00} my gross earnings was {$420.00} check number XXXX since I didnt receive my paycheck on that date they said that it was because by the bank didnt work with their banks and or thats why I wasnt receiving it because it was an online bank or something so I switched my bank deposit information to a different bank but the money was has been deposited into the first account at my money network bank I gave originally for my direct deposit. Now Ive contacted the bank, my employers have contacted them and they are telling me that its my employers that have to enter in my name my Social Security number and my date of birth and Which if that were not true that they didnt have my information that I want to have been able to get through their customer service phone line because you either need your card number to access or your Social Security now when I do my card number call back tomorrow when I use my Social Security number it allowed me to speak go through and speak to a person and she kept telling me that I needed to contact my employer which theyve been working on this for the last two weeks and theyve gotten no response from this bank is the online banking the company I work for is an XXXX XXXX XXXX XXXX MI its XXXX XXXX XXXX  Also the checking number for this a check # is XXXX. I I have all the documents to verify on this information I just want to be paid or for them to release the money back to the employer because of what theyre doing is taking peoples money and not allowing them to receive it thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2021 I received an email saying that my anti-virus provider, XXXX, was deducting about {$250.00} from by bank account for an annual fee. I had just paid XXXX for my annual fee in XXXX, so I called the number in the email to ask them to correct the error. The number I called was not XXXX, as I later found out. The man on the phone asked a number of questions about my bank and debit card to get me my refund. In the process he showed me two crypto-currency dealers ( XXXX and XXXX ) and got my agreement to connect them to my debit card. Four transactions appeared on my bank account totally {$920.00}. When they tried a fifth charge, Chase fraud department sent us an email that my debit card was being used for a suspected fraudulent transaction ( the scammer was trying to put through a much larger amount- {$490.00} ). After I closed the phone call, I called XXXX and my bank. XXXX offered me a discount on next year 's fees and Chase told me that nothing could be done, not even filing a claim, until the charges, which were then " pending, '' went though. I called numerous times over the weekend to Chase, only to be told the same thing : " wait until the transactions go through, then file your complaint. '' The charges finally went through last night, XX/XX/XXXX. I called the Claims department this morning and was told there was nothing they could do and I could call XXXX and XXXX and ask them to put the money back on my account. I am reluctant to call the crypto-currency dealers, XXXX and XXXX, as I do not know if they are legitimate, perhaps even complicit in the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had a Sears credit card for over 30 years. I recently found out that Sears had sent me at least two new Mastercards under their Citibank ShopYourWay Credit Card program when I got a bill for {$650.00} on a card that I did not request or received. Now after logging in to my Sears account, I found out from letters stored in the inbox that in XXXX, they sent a notice that the old Sears accounts were being migrated into new Mastercard ShopYourWay Credit Card accounts through Citibank and that these cards can be used at Sears and other stores where the old cards could only be used at Sears. I did not get the card, or it I did, did not recognize it and cut it up. In XXXX, another letter was put in my inbox that said that since I did not activate the new card, they were closing that account and sending me another card with another new number. It is that card that was used by someone on XX/XX/2019 at XXXX in XXXX, MA. I have reported this to Sears -- they are doing a fraud investigation but keep giving me different dates of completion. And they now have sent me yet another Mastercard and transferred the disputed balance to that new account that I did not request or want. In fact, I have asked them to close all accounts including the original Sears card account which was still open and active ( XXXX balance ). So now they moved the disputed balance back to the card where the charge was made but have left a {$39.00} late charge on the newest account -- even though I never activated it. I only ever activated or used the original Sears card account and have not used it for several years and had a XXXX balance for years. Citibank is issuing these cards without me requesting them, and allowed a charge on one that had never been activated, and continues to not close accounts I asked to be closed, to charge late charges, and to open yet another new account. They have caused me to be an identity theft victim, they have caused my credit score which was very high, to fall 15 points, and I keep having to contact them and they give me false 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 monetary relief
Consumer complaint received 2022-01-15
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was incorrectly charged 3 overdraft fees on XXXX, XXXX and XX/XX/10. Each for {$34.00} for a total of {$100.00}. 

These fees are incorrect as I moved deposits over from my attached savings account to cover the balances. Also, each time I made the transfer, I received emails from Citi Bank thanking me for the deposit with the email stating I have avoided any fees as a result. 

This is a problem that has always plagued Citibank as this has happend before and when I call, the customer service is Horrible and I am always told " we will reverse is this 1 time but not again '' and its labeled a Courtesy when in reality it is a Citi Bank error. 

That brings me to the Customer Service on this matter. I have called Customer Service and used the chat services in the Citi App over 3 times and the service is below horrible. Twice I was told, " It was been reveresed and you will see the cash returned '' Ofcourse it never happend. Another time I demanded a Supervisor and was told " I see the error, I requested it to be credit to your account but I need to call you back once its approved '' .... and ofcourse, No call back or refund. 

Horrible, Horrible, Horrible. 

So I am now left to submit a complaint to correct an error and get my {$100.00} refunded. Being with Citi for almost 20 years, this is just obsurd and honestly pathetic. 

Please see the attached chat I took a screen shot of as proof and refunded the {$100.00} as soon 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 monetary relief
Consumer complaint received 2023-02-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This was a case of a hacked XXXX account linked to an XXXX XXXX credit card. Neither XXXX nor Chase helped me with this problem. I talked to a branch XXXX of a local Chase Bank hoping he could tell me who in Chase I could contact. He told me straight out that I was not going to hear what I wanted to as Neither XXXX or Chase wanted to be out the money. That about sums it up!! The false information that Chase Bank gave me as to why I owed the money was abhorrent, including a statement that I had actually made a payment on the account, which I had NOT. They took payment information from a separate credit card account I had with them and used that as my supposed payment. It took me 17 months to finally get the matter settled, no thanks to them. The business practices of both XXXX and Chase leave a lot to be desired. The credit bureaus were involved in this mess of course because of my dispute. Not sure which Federal Agency would be interested in this but someone should beThank-you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorize any to make on my behalf. It is the result of identity theft. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Employer ( s ) :  XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that  information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license

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 2023-03-14
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Around XX/XX/2022, a check I had written was processed earlier than I expected, and I incurred a {$35.00} overdraft charge. While I think this is excessive, I understand it was my fault. Knowing the check cleared early, I transferred funds to cover, since I had also written 2 {$10.00} checks that needed to be covered. The bank processed the {$120.00} check first, which overdrew the account, then processed two {$10.00} checks, which further overdrew the account, resulting in two additional {$35.00} overdraft charges. When I checked with the bank, they essentially said, tough, my problem, and wouldn't budge. Been a customer for years, using a variety of their products. When I asked about their order of processing checks, they refused to answer. While I acknowledge the first OD charge, the last two are outrageous and unfair.

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 2023-02-24
Company: Experian Information Solutions 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:
( Last XXXX of Account numbers ) XX/XX/XXXX - ( XXXX XXXX ) - Account / # XXXX XXXX ( XXXX XXXX  ) # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY, IF THE PERSON KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY 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 explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( XXXX ) The reporting of this account is inaccurate. I have disputed this with the credit bureaus for 5 or 6 times already but they still have not removed this account from my report. I have indicated in my letters the reason why they need to delete this account. First, the date opened and closed is inaccurate. Second, the balance owed is incorrect. I do not owe them {$340.00}. I have asked them to validate this account but their response is misleading.

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 2024-01-03
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX XXXX XXXXXXXX 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and have noticed I have multiple late payments on the accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this accounts that I included in the screenshot inside this complaint in on dates of [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ]. Please investigate and provide proof with statements showing these payments are late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they as they should be due to the fact i was never late. Thanks! Please send see screenshot attached.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-01-04
Company: Westlake Services, LLC
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account with XXXX in 2018 wich was a general credit card. I never had an issue with the creditor. I made payments on time and as agreed. My account was sold to XXXX XXXX  when the creditor closed. Since then, I have experienced nothing but illegal fees in my account, although payments have been paid. When I have asked about fees being added to my account I have been told that I am being charged fees for not paying on the due date and by this this, not paying late but I have been illegally charged fees for paying the card 'earlier than the due date '. 

I have tried on several occasionas to gain clarity and have always been given the run around.I need immediate assistance with this. I am planning to hire an attorney to get control of the account and have the illegal fees charged on the account returned. I have exceptioal credit and I only pay the fees to avoid having my crdit ruined by this company. I am being scammed and taken complete advantage of by this company. 

I have bank records showing all payments made on the account since it was purchased from XXXX. I am asking that my monies illegally charged be credited to my account or returned in the form of a check payment rom the company and that I receive no further illegal charges for paying my account monthly bill earlier than the due date. 

I have always had a monthly payments for tis account that are generally around $ 90- $ 100 monthly for the due. However, in the last year, I have been charged anywhere rom $ 9- {$27.00} in fees some months for paying on the account earlier than the due date. 

I would like this resolved to avoid paying or an attorney, but I will if this isn't as I will not continue to be illegally charged fees on an account that I never had an issue with until this company purchased 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, 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