BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: DAVID W. EDWARDS, P.C.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX XXXX i had a XXXX performed at XXXX health. I completed the financial assistants documents on the website. I was then ask to upload my banking statements to complete which I did. I was under the expression that everything was all good now. XXXX XXXX XXXX  I received a letter from a bankruptcy attorney and I'm confused to why. I open the letter and it says that a suit was file against me in the XXXX XXXX court system. I look the case up and it saids XXXX has file a suit against me for a XXXX XXXX XXXX and I'm in shook cause I hadn't never received any communication from this XXXX company. XXXX XXXX XXXX I reached out to XXXX XXXX regarding this matter and explained to them that I applied for the financial assistants cause I not able to pay the bill. The representative looked into this matter and informed me that the documents I sent them wasn't able to be opened and she apologized that this had happen and If the bill was still with them should could of fixed it but I would now have to deal with the collection department. I shouldn't be punished for something that someone could have called and informed me that the documents they requested couldn't be opened. I was then transferred to the collection department ( XXXX ) the lady answers the phone and tell me she'll transfer me. I was on hold for over XXXX mins and no one answered. XX/XX/XXXX I noticed that certified mail was being sent out from the XXXX XXXX XXXX law firm. I called and spoke with them and informed them that their XXXX  ( XXXX ) never communicated with me regarding a XXXX bill. How can someone not communicate with you regarding a bill and have an attorney file a suit against you. This is considered breaking the law without giving me knowledge of a debt. I was told I will have to respond back to court document. I then tried reaching back out to XXXX and finally got them on the phone just to be told we can't talk to you regarding this matter you'll have to speak with our attorney. 
After reviewing the reviews of ( XXXX ) this is a normal pattern for them to not answer phone call from the people they have bills with and send their bills to the attorneys without trying to communicate with the defendant.

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 2023-03-07
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/XXXX, XXXX XXXX Bank made a digital transfer of {$10000.00} to Barclay Bank Delaware. The XXXX XXXX statement dated XXXX XX/XX/XXXX - XXXX XX/XX/XXXX reflects a transmission date of XXXX XX/XX/XXXX and a posted date of XXXX XX/XX/XXXX. Barclay bank statement dated XX/XX/XXXX - XX/XX/XXXX shows receipt of funds on XXXX XX/XX/XXXX, and declared a XXXX balance on the Barclay credit card. The following month 's statement, showed the payment, but the account balance was back to the amount as if no payment had been received. Barclay declared that the digital transfer of funds was being treated as provisional. Since that time Barclay has insisted that no payment transfer has been received and that I have to provide all digital transfer information as proof of payment. 
Starting in XXXX, I provided copies of my XXXX XXXX Bank statements to Barclay and was informed that they were not good enough to provide proof of payment. Numerous attempts have been made to fax Barclay Bank digital information. I am attaching a chronological sequence of events of all contact with both Barclay Bank and XXXX XXXX showing the numerous phone calls and interactions that are still on going.

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 2023-03-07
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a vehicle right before the epidemic lost my job like most people took the money I had was only short {$500.00} to pay full amount of Car Loan company refused I was never behind on a payment I had only had the vehicle for a few months as is so told them I need to get something with the cash I have and I would surrender my vehicle to them because I needed something with no payments which is what I did now my credit report is all messed up. They have me at 60 days late. They have it open on some accounts closed on some accounts and a charge off on another account. I need this fixed please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi denied my claim for a dispute when my XXXX XXXX XXXX  when into bankruptcy. They sent a online message to ask for more information by a certain date when I provided more than enough information to process the claim. They did not contact me by phone or by mail. 

After citi denied the claim for not responding to an online message, Citi informed me to file a " Trip Cancellation & Interruption Protection '' since my flight was cancelled and would be covered under this benefit. They said they would mail me a form to fill out. 

about 2 weeks later the from arrived. I talked to another representative from citi who got an email sent to me that I could respond to and send the information in electronically. Why did the first representative misled me for 2 weeks? 

I provided all the necessary information. I got a response that it wasnt one of the 12 covered reasons so I would not get a refund, but this was clearly a " Trip Cancellation '' due to bankruptcy but i did not have " protection '' while Citi markets this as " Trip Cancellation & Interruption Protection '' Multiple times citi mislead me on what to dispute and claim. Citi " attempted '' to contact via secure message when it should have called or sent certified mail to ensure I was properly notified. Citi misrepresented its benefits by marketing a term called " Trip Cancellation & Interruption Protection '' but really only has 12 covered reasons.

Note this account is for a senior citizen over the age of XXXX. Citi bank took advantage of a senior citizen.

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 2021-03-10
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
Early Warning Services ; XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to XXXX  XXXX XXXX And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From My Early Warning Systems Consumer Report and XXXX  Consumer Report. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CARD Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a account with Card.com that gives you checking account through XXXX XXXX XXXX On XX/XX/2021 I received {$18000.00} from stimulus.. I used my card for purchases etc. Then I get message that my card was closed for suspicious activity. I then contacted Card.com about my balance {$440.00}. They state " I need to send them copy of my drivers license, social security card, piece of mail to verify address, and letter of recall from IRS. So I then write IRS telling them what is needed. I get all documents and send to Card.com ''. I call them two weeks later after mailing they said they didn't get them to upload them on verify @ card.com so I did. I call two weeks later they said it was pending. I told them " Your terms and agreements state that if Card.com closes account a check will be mailed within 7-14 business days and Card.com closed the account without my permission so Card.com needs to honor their terms. The lady hung up on me. I call back they tell me to fax the documents XXXX so I did this. I have even requested a arbitration under their agreement without response. I again, again, and again have mailed documents with threatening of class action law suit. I have read so many complaint and reviews that this company closes accounts and keeps the balance in the account. I have emailed, mailed, and faxed documents they requested without any acknowledgement!!! The account number is XXXX the routing number is XXXX the card number is XXXX XXXX XXXX XXXX. There is got to be someone who can help me get my money it has been 2 years dealing with this company with no closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
in accordance with the fair credit reporting act, the holder of these accounts have violated my rights to privacy. 

XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-08
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied for a {$45000.00} Home Equity Loan with Rocket Mortgage. I was approved that same day with an approval email from Rocket. There were no subject to items or conditions with the approval email. I was told our debt/ income is no issue, the XXXX no issue, and the credit no issue. I explained to the loan officer, XXXX XXXX, that I had prior credit issues but that it cleared getting the first mortgage with Rocket on XX/XX/XXXX. He said all is fine. XXXX been prepaying our first mortgage with Rocket by {$400.00} per month. We signed all sent documents on XX/XX/XXXX, the appraisal was ordered, updated W2 statements uploaded, and title work began. On XX/XX/XXXX, I was told the past credit issues prevent the loan. 

I appealed with Rocket since I was issued a binding approval. It's gone up Rocket 's corporate solutions ladder. Today, XX/XX/XXXX, I was told by Alex Coop there is nothing they can do and that they, " Installed new software and clearly more training is needed with their loan officers. '' That's not my fault. They approved us. It is my understanding a lender can only pull out if there are specific changes/ findings from the time of approval. There were no changes. They simply can't fit it into their underwriting box despite being told on day one we fit all parameters and were issued an unconditional approval. 

I'd like our loan. My credit now has a hard pull which has lowered its score. Or Rocket can offer an unsecured {$45000.00} loan to us but declined that option. I suggested that. 

I hope you can help in this matter and hold a lender accountable. Consumers have rights and this is a violation of fair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: LEXISNEXIS
State: MD
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:
In XX/XX/XXXX, I filed chapter XXXX XX/XX/XXXX it was removed after seven years. In XX/XX/XXXX XXXX  put it back on my report under the same docket # as a chapter XXXX. The law is clear under the FCRA. The credit reporting agency has the responsibility to report 100 % accurate, complete, and verifiable information on my report. I sent them proof and they still refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
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 am an XXXX XXXX XXXX XXXX. On XX/XX/2022 XXXX $ was taken out of my account and transfered to a different account. I did not authorize this wire transfer. The money was sent to an external account number which was added to my account on XX/XX/2022. I never requested for an external account to be added. I have called Chase Bank multiple times. However they say they determined the wire transfer was authorized and they refuse to give me back my money or help me at all. I am at a complete loss as what to do. Chase Customer service has been useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
made dispute with eqifax in XX/XX/2018. results form XX/XX/2018 recievd from company still were reposting incorrect information. XXXX account dated XX/XX/2018, the status of account was updated with the same incorrect information, also a statement was added to the account on my behalf that I never requested to be added. the closed date for account is incorrect, this being incorrect affects the time since negative section on my payment history. the payment status was updated to " placed for collection and skip '' on XX/XX/2018, although the collection agency sent notice of me owing no balance. this  information reset the timer on the account. the statement added " charged off account variable rate '' was placed as a statement, which I never requested. this has negatively affected my score and me trying to show credit worthiness to potential lenders. the payment history is incorrect as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has reported my account as delinquent, but I have disputed the charge altogether because I never, ever, ever received the merchandise from XXXX XXXX. In fact, XXXX XXXX went out of business. 

I have disputed the charge multiple times. My dispute is in fact the subject of another filing with CFPB. 

Despite my dispute, XXXX has reported my account as delinquent. I need your help in getting this corrected.

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 2023-03-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I wrote my rent check for {$4400.00} and put it in a mailbox near my apartment to deliver to my landlord ( XXXX XXXX XXXX ). The check was deposited on XX/XX/XXXX. 
In XX/XX/XXXX, I received my rent from my landlord for twice as much. When I went to my Chase account, I saw that my check had been digitally deposited and endorsed by an entirely different person ( XXXX XXXXXXXX ). I reached out to my landlord and they confirmed their office had not endorsed the check and they did not receive it. They sent me evidence of a stamp they typically use for endorsing checks ( XXXX XXXX XXXX ). 
On XX/XX/XXXX, I went in person to a Chase branch and filed a fraud check claim, which required consent from both myself and my landlord that the check was fraudulently endorsed and my landlord did not receive the check. Chase let me know that it could take up to 90 days for my case to be resolved.

I then proceeded to hear nothing from Chase for almost 3 months. On XX/XX/XXXX, Chase contacted me with a very brief letter stating they had not heard from the depositing bank, XXXX XXXXXXXX XXXX, and they'd be closing my claim at the 90 day mark and would not recover my funds if they did not hear back by the 90 days. 
This was extremely upsetting that I did not receive a case update from Chase until 5 days before they warned they'd close my claim and would not be recovering the funds. 
I reached out to XXXX XXXX  XXXX and they shared that they never received a fraud claim from Chase. They proceeded to share the email, subject line, and body of the email Chase should use to contact them. I called Chase to share this information and Chase said they could not confirm if they actually send the fraud claim to XXXX XXXXXXXX XXXX. 
Chase lied to me as a customer and showed gross negligence in protecting me and my money. I started banking with them as a XXXX XXXX XXXX and I will be closing my account after this terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I asked my bank to transfer XXXX Then the next day XXXX Then they began holding my transfers for 3 days at a time. 
I then transferred XXXX they held it as well. 


I transferred it from an external account ending in XXXX. 

My external account showed they never pulled anything out. It had the full balance of XXXX I then waited 5 days. 
Upon returning they stole the funds transfer As the result of XXXX  it up You dont charge XXXX after never transferring the money Then when I re did it they stole the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan company received the payment and it cleared my bank on the XXXX of XXXX. However, they didn't " post '' it until XX/XX/2022 so they are charging me late fees. It is crooked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le 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 by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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