BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
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:
In Accordance with the fair credit Reporting act XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX has violated my rights. 15 U.S.C1681 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 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 explanation
Consumer complaint received 2020-06-03
Company: ROBINHOOD MARKETS INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Robinhood app allowed scammers to spend money on a debit card I never received or used. These scammers made purchases in XXXX with XXXX  merchants, a country I never been before. I lost around {$700.00}, overdrafting the account and now Robinhood claims I am borrowing from margin for these fraudulent claims. Robinhood has no customer service to speak of and if you report these fraudulent charges, all you will get is a stock response in your e-mail claiming they will respond in some unknown time later. They have no phone number to call to confirm whether someone is even monitoring their fraud system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 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 non-monetary relief
Consumer complaint received 2017-09-21
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: PA
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 confidentially under 15 USC 1681. XXXX  Name : XXXX, XXXX XXXX  Name : XXXX XXXX, XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 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 explanation
Consumer complaint received 2018-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a XXXX XXXX XXXX Neon Blue/Red XXXX from XXXX XXXX XXXX on XX/XX/2018 for {$200.00}, tax included. Payment was made by XXXX pay through my Bank of America checking account. Order number given was XXXX. Order was confirmed by email and shipping was pending. All communications with this seller since have been in vain. No response to any emails requesting updates. I have reviewed XXXX pay policy sine this event and am quite aware that I have been scammed, but would like this seller to have some consequence. Please help!!

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2018-03-28
Company: JPMORGAN CHASE & CO.
State: NY
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/2018 JPMorgan Chase Bank closed my personal and business credit cards. The reasons of closing the accounts by the bank are the following : 1. Rapid increase in revolving balances 2. Too many requests for credit or/reviews of credit I called the bank and explained the reason No. 1 as My business is growing so my buying power is going up but at the same time I am paying my balance in full amount every time I buy and I auto full pay my credit cards from my business checking account. I am never being late from the day I got these credit cards from JPMorgan Chase bank.

For reason No. 2, the bank told me that I am requesting too many credit cards every month and I was shocked and told them that I did not do that. So, they told me to contact the credit bureaus. I called the XXXX Credit Bureau to send my credit report to me. After looking at the report, there were 21 inquiries for credit cards which I have disputed with them and they deleted those 21 inquiries from my credit report. 
After that, I called Chase bank to reinstate my cards. The supervisor asked me about what I am buying from XXXX wholesale and where I sell those merchandise. I provided them all the detail information about my buying and selling. They told me they going to review my application again and will get back to me in four to five hours. After thirty minutes, they called me and declined my application. The reasons they gave me now are the following : 1. This account and/ or related account was closed at the banks request.

2. Rapid increase in revolving balance. 
I explained them about the rapid increase too many times and they agreed but not opening my account. My business is affecting from XXXX XXXX till now. I do not want to go to another bank and start from zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
i was part of the breach of identifies in the company. inquires should not show on my credit profile.

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 2020-12-18
Company: BANK OF THE WEST
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I received my credit card statement from period XX/XX/2020-XX/XX/2020, with charges from various retail stores that were charged on my credit card. The charges were from XXXX for {$840.00}, XXXX {$31.00}, XXXX # XXXX for three charges {$150.00}, {$37.00}, {$200.00}. The third charge was XXXX store for {$930.00}. 

At that same time I received text from my bank that there was a suspicious charge from XXXX  on XX/XX/2020 for {$640.00} which was removed by the fraud department after a urgent call from me. 

I called the fraud department and they notified me to go to my branch in XXXX XXXX, this was at the same time there was looting and the unrest going on in XXXX XXXX Area, which caused me to stay away from any retail stores and stay home for long periods of time due to Covid-19 outbreak due to high risk age group. 

After a few day I went to Bank of the West as per fraud department, filled out a dispute form and send it out to the Bank of The West fraud department. After five days I received a response that charges were in fact unauthorized and were removed. 

Furthermore, I checked my credit card and the charges were added back on my card. I called Bank of the West fraud department, the supervisor name XXXX, I asked her why the charges as back on my credit card. She said I was physically present when those charges were made and the dispute was not in my favor therefore the charges remain on the credit card. 

I was notified to file a police report on XX/XX/2020, but nothing has changed from the original decision from the bank. 

Currently, I continue to receive statements from Bank of the West with Fraudulent charges that we not mine. There is lack of communication from the bank when I tried to reach out to them. This has caused me a lot of distress, sleepless  nights and 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 2023-06-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday ( XX/XX/2023 ) I reached out to the Truist support team because I received a check from the U.S. Department of the Treasury for a large student loan refund ( {$11000.00} ). My concern was that the check would not arrive in time to be deposited with a teller, and I was worried about the safety of depositing the check after hours at the ATM at my local branch. They assured me that checks deposited before XXXX would be processed as part that day, and that being a government check I should expect a hold on all but the first {$100.00} on Thursday night, but that the remainder would be available on Friday. 

I confirmed this with the support team twice. 

Satisfied I decided to go ahead with the ATM deposit rather than wait until Friday ( XX/XX/2023 ) morning and deposit the check at the branch. Everything seemed fine Thursday after the deposit and the {$100.00} was released to me. 
Friday morning I was alerted to a hold for the full amount with the reason of " Doubtful Collectability '' that wouldn't be released until XX/XX/XXXX. 

On Saturday, XX/XX/XXXX, I emailed a detailed account of my the issue to a branch banker I had worked with before. I also attempted to call during Saturday banking hours. Since XX/XX/XXXX was a federal holiday, I went to the bank this morning to work with the branch manager to resolve the issue. He was on vacation but the banker I had emailed was able to call a support line who explained they couldn't do anything. At that point she reached out to her supervisor for assistance and told me she'd reach out to me by end of day. By XXXX I'd grown impatient and reached out to her and she explained that because my account was under two years old that they would not release the hold. 

I explained that as I understood Title 12, Chapter 11, Subchapter A, Part 229, Subpart B, 229.10, Article C.1.i - ( 1 ) General rule. A depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited, in the case of ( i ) A check drawn on the Treasury of the United States and deposited in an account held by a payee of the check ; Further I provided the banker with Appendix C to subpart 229, with details rules governing new accounts.

She has taken that information and escalated it. But given her response to my quoting federal regulations, I doubt anything will come of it. 

I have recordings of all conversations, pictures of the check and it's associated materials, and even a video of myself depositing it in the ATM since I was worried about this exact scenario.

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 2022-08-07
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, Upon reviewing my credit reports, I noticed that there may be some violations per the Fair Credit Reporting Act. I noticed with the XXXX XXXX account number XXXX on XXXX the date opened states XXXX and for XXXX it reports open date as XXXX. The other account with the same creditor account number XXXX states that there is a balance of {$700.00} owed on this account but there is another account under the same exact name and amount owed account number XXXX states this account was opened XXXX. Neither of these accounts am I familiar with. There are two other accounts that I am not familiar with until I currently reviewed my credit reports. One account is XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. I also noticed with this account that there are inconsistencies in the balances on XXXX the balance reflect as {$760.00} while on XXXX the balance reports as {$760.00}. Please remove these unfamiliar accounts that is possible fraud accounts. 

I also noticed that there are an enormous amount of inquiries on my reports that have not been requested by myself. I am asking that these request for credit inquiries please be removed. These inquiries includXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks again please do a detail investigation of these accounts and remove as soon as possible because they are having a negative effect of the scores reporting on all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Monday, XX/XX/2019, our car was burglarized and multiple credit cards stolen ( in XXXX, CA ). Those cards were then used fraudulently ( between XXXX XXXX - XXXX  ). 

The most significant fraudulent charges came through a Square Reader - all using a different credit card by a company called " XXXX XXXX XXXX '' - for even amounts of {$500.00}, {$1000.00}, and another {$1000.00} through three separate transactions on different cards. 

Our credit card companies are making us whole ; however, it is apparent that using different credit cards by one Square Reader is a pattern that won't be detected by one credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$810.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than XXXX business days following 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 2019-10-31
Company: PNC Bank N.A.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've mailed in by certified mail a COPYRIGHT CLAIM AFFIDAVIT to which PNC BANK has not responded and XXXX continues to report on my credit profile in DIRECT VIOLATION OF THE DODD FRANK ACT, FCRA, FDCPA and several other consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been working as a XXXX / XXXX XXXX for a number of years. I am a XXXX XXXX and not a corporation. 

I have had a PNC Bank business credit card account for about 10 yrs. 

In XX/XX/XXXX I moved to a different location in my state, with a new mailing address. I updated my new mailing address on the PNC website, and PNC Bank mailed me a letter confirming they received the new mailing address. 

PNC Bank has recently removed any access to my business credit card account on their website, but I have saved screenshots showing that my address was correctly entered on their website. 

Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any statements from PNC Bank by mail or email, that showed that I owed any minimum payment. The only statements available were several statements on the PNC Bank website that stated that my balance was {$0.00} and my minimum payment was {$0.00}. 

In XXXX & XX/XX/XXXX I left multiple messages on the PNC website stating that I had not received any statements. I have screen shots of those messages. 

I continued making monthly payments until XX/XX/XXXX, when my balance was {$5600.00}. After that I made several charges totaling about {$83.00}, and then the credit card was no longer valid. 

On XX/XX/XXXX I mailed a certified letter to PNC Bank explaining that I had not received any statements for my PNC Bank credit card account. 

PNC Bank customer service began calling me several times per week, leaving messages asking me to call them. I returned the calls multiple times but each time I received a voice mailbox. 

On XX/XX/XXXX, I finally reached PNC Bank 's Small Business Credit Card Default office. They told me that my correct address had been entered on their website, but they had accessed the wrong address in the PNC default office. 

On XX/XX/XXXX I received an envelope with PNC Bank statements for XX/XX/XXXX to XX/XX/XXXX. PNC 's XXXX statement was due XX/XX/XXXX. My interest rate had been increased from 12.4 % to 30.74 %, multiple late fees and large finance charges had been imposed, and a minimum payment of {$680.00} was demanded. 

On XX/XX/XXXX I received a new statement with total amount of {$940.00} due on XX/XX/XXXX, and the new balance was now {$6100.00}. I refuse to submit to PNC Bank 's racketeering practices.

Company response to consumer: Closed with explanation