BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: OPTUM BANK, INC.
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a direct follow on to previous complaint # XXXX. 

Optum Bank continues to falsify records about when deposits to my XXXX are actually available. 

Yesterday, XX/XX/2023, my bi-weekly paycheck was issued, which included a {$110.00} contribution to the XXXX. Yet, this morning, XX/XX/2023, there's no reflection of that transaction ( see attached screenshot ). But I'm sure when the statement comes out at the end of the month, Optum Bank will show that the money was available on XX/XX/XXXX. XXXX other financial institutions that receive funds from my paycheck, and they all properly show funds available this morning from yesterday 's deposits. 

Furthermore, in the single email I received from the previous complaint, I was promised " updates as they become available '' but I never heard anything else from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: JPMORGAN CHASE & CO.
State: CA
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 had been using my Chase credit card normally. One day, my transaction was declined. I called Chase to ask why that happened as I've never had any bad encounter or situation with Chase or any other credit card company for that matter. They didn't explain anything, they only told me I am blacklisted. I want to understand what it means by saying I am blacklisted. I'm assuming they're discriminating either against my nationality, age, or language ability. I just want them to explain to me what it means to be blacklisted and why I was blacklisted as well as had my account closed. In addition to Chase, after using my XXXX XXXX for a while my transaction got declined. When I called to solve the issue, they told me to go with my ID to a union bank to verify my identity. I went several times to the XXXX XXXX XXXX. Every single time they told me to wait and my card will come. When I called customer service to see where it is, they told me I need to reapply. The teller at the bank filled up the application for me and told me I was approved for {$10000.00} and that my card would come in 7-10 days. I waited 15 days and called. They told me I have to go to the branch. I told them I did go to branch and the bank teller was the one that filled out my application and told me I was approved. They told me doesn't matter go to branch. I went to the same branch and talked to the same person whose name is XXXX, and she again said my card will come and to wait. I waited again for a longer time, I called again, and they told me to go to branch again like a joke. This time I went to the XXXX XXXX XXXX, explained everything to the store manager whose name was also XXXX, and she called and talked to customer service and said everything was solved and you'll receive your card. Again after a while I haven't received my card and called and they said to go to Branch and they're leaving an open link that they can solve everything under that link. I went to branch and spoke to the manager again and she had the bank teller help me. She said its already late took my information and said she'll call me tomorrow. She never called so I called. She told me the account is closed and I need to reapply. At this age I went to a branch 5-6 times and now I need to reapply and I have been approved TWICE for XXXX - first time I used for a while, second time I never received my card. Am I supposed to reapply 4-5 times to receive a card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2023-04-26
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted repeatedly GM Financial. They ask that I return their call at XXXX. I have had no dealings with GM Financial. 
I bought a car from XXXX in 2006 and it was paid in full, by my dad. I have no attachment to that loan and have had zero dealings with GM, except for car repairs, which I have paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is my follow-up prior to my previous complaint dated XX/XX/XXXX. 
My complaint disputed some items which needed an investigation ASAP. Please verify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were already in my previous complaint and I am Including them again.

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 2018-12-15
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX I lost my wallet which had a couple of credit cards inside of it. After I called and let you guys know that my wallet was lost and so were my cards so I would need you to stop the cards from being able to be charged, I was told don't worry you wont be responsible and we're going to close this account as well as send you a new credit card. There were other that I had to call that did the same thing except XXXX XXXX  & Citi Bank. XXXX XXXX  told me I need to go a branch location with my ID to prove that I am me, and they will send me a new card. When I did that to verify my identity they told me my account is closed and I need to reapply. When I asked why they said they had no idea only that I need to reapply and asked me if I want to do that and I said no. When I came home and checked my credit report I saw that XXXX XXXX pulled out my credit reports which is another hard inquiry on my reports without MY authorization. Citi Bank didn't get me any information, needed provided me with any paperwork or explanation, they just said my account is closed permanently and they can't do anything about it. ( I have police reports and it makes no sense since obviously everyone in the world will lose things at some point in time. )

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 2023-04-26
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:
This complaint is my follow-up prior to my previous complaint dated XX/XX/XXXX. 
My complaint disputed some items which needed an investigation ASAP. Please verify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were already in my previous complaint and I am Including them again.

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 2018-12-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Well basically what happened is this in XX/XX/XXXX my brother took out am american express card in my name hes XXXX XXXX person.I didnt know about it but then in XX/XX/XXXX I checked my credit report and I saw that I owed american express XXXX XXXX so I called them and said what the XXXX   is this I dont have or ever had an american express card by the way they didnt seem to care but I found out it was my brother the dummy so I told them to transfer the card into his name you see at this time he was making the minimum payments to them so they were making money on the interest so it wasnt in there favor to help me but any few months ago he stopped paying them and they ran and levy my bank account for XXXX I dont think it fair because a few things pop in my head why did they give so much credit it seems predatory and in doing so why didnt ask for identification on so much money on an unsecured debt so now i lost XXXX dollars they ran to my bank with a court order and took the money.Another words they target people in lower income brackets to take advantage of them when they cant pay back and one day everyone in this country is going to pay back in a big way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Care Credit account that I used to get some dental work done last summer, and I have been paying the minimum amount due every month on auto-pay. I did not look at the app to see my bill because I just assumed that my minimum payments were going toward my balance ( the minimum payment amount I am paying was the figure Care credit gave me not a figure I made up ), so I didn't check it. I went to see what the balance was and it is almost XXXX more them the amount I used for the dental work, because they are tacking on fees every month. One fee is for card security which I never set up, and the other is an interest charge on purchases, but I have not made purchases, they are charging me an interest charge on previous interest charges. 

I got care credit almost 15 years ago when I had dental work done. My dentist 's receptionist is the person who filled out the application, so I never saw the application nor was any of their caveats explained to me at the time other than the fact that it was going to absorb the cost of the service. I could pay it off over time, so the initial application was never actually seen by me, and the way it was explained to me is that that was a totally normal way of applying for this service. 

Jump to last summer I needed to up my limit for the dental work which was done via the app and again there wasn't any thing that fully explained how they were going to be using the fees or that they would be charging me fees that would exceed the monthly amount that they set up as the minimum payment. My minimum payment is {$100.00} and the fees are XXXX for interest on purchases ( again there have not been any purchases just them charging interest on their own interest charges ) and a security fee that I never requested or signed up for that is apparently XXXX for every XXXX I owe so it is up to XXXX now. Just those 2 fees alone exceed the minimum due amount, which again they set. 

I feel this is deeply predatory, and evidently so do MANY other people as a quick google search will show the MANY court cases and grievances other people have with Care Credit,

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I reached out to the 3 major credit bureaus and stated this : In XX/XX/2015, I was at a party and my purse was stolen that had all of my personal sensitive information such as my ID and social which were stolen. I didn't think someone would actually steal my identity but I've recently check my credit report and saw accounts open and hard inquiries that I did not open and don't belong to me. I have listed them above but here is another one that I was unable to add : XXXX : XXXX XXXX XXXX, Acct : XXXX, Opened : XXXX, Balance : {$470.00}. Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
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 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Item in dispute is an entry on TransUnion credit report. A Federal Tax Lien was filed in XX/XX/XXXX based on tax years XXXX, well beyond the legal limitation window of three years. TU confirms only that it is on file in XXXX XXXX, California ; and they intend to keep it posted on my credit report until XX/XX/XXXX. It is based on tax years beyond ten years history now. I am respectfully requesting that this be removed from my file. I hope you can help me with this. Thank you for your look into it. Court document attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: NJ
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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