BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019, my U.S. Bank account ( which currently had a negative AVAILABLE balance at the time ) posted an ACH deposit from my employer in the amount of {$1100.00}. 

Subsequently, in chronological order, the US Bank went on to assess me four separate overdraft fees totaling {$140.00} for transactions that occurred AFTER the deposit had posted, a fact which is clearly supported by the " snapshot transaction '' feature, which shows a positive balance more than sufficient to cover the overdrafts which, until they POSTED on the SAME BUSINESS DAY were phantom transactions in a " pending '' status, in which funds had not yet been paid out to the respective merchants. 

This is a very sneaky and questionable banking practice from an institution who vaunts its credentials on it website as " One the World 's Most Ethical Companies '' for five years in a row.

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 2022-10-12
Company: ALLY FINANCIAL INC.
State: OR
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:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/2XXXX 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 2017-09-15
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage just recently got sold to Selene Finance from XXXX XXXX XXXX, when confronted with XXXX XXXX XXXX told us we have no say in the matter, that nothing will change on our contract on our modification when Selene takes it over, well here we are the second month they have sent us and our PMI insurance went from XXXX to now XXXX. When you call them you can not get connected to speak to anyone. Can you tell us what to do now, since we have been contacting you about this issue for the past 4 to 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, 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:
My identity was stolen and sold to people in the U.S. that person was found and prosecuted for identity theft. In XXXX of 2020 I found an apartment community that was fraudulent. This fraudulent information was removed and blocked from all credit bureaus with the exception of Equifax. Equifax continues to report fraudulent information after seeing police reports and reports from the US Department of Justice of the person that was prosecuted. I am requesting this to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
On XX/XX/2021, I noticed an unauthorized transaction of {$120.00} on my Bank of America Credit card ending with XXXX. This transaction was done on XXXX ( reference # XXXX ). I immediately informed Bank of America regarding the same, as well as XXXX. XXXX confirmed that such a transaction was not made on my XXXX account. After a day I received an unsolicited product at my home consisting of 18 kitchen glasses, XXXX confirmed to me that the account from which this order was made has been flagged suspicious and they have suspended the account. They further asked me to keep or dispose of the product which was delivered to me ( but which I didn't order ), I even asked them that I can return the product if it helps in the refund process. 

After a month ( XX/XX/XXXX ), the fraud dispute was rejected by Bank of America, stating that " The merchant provided documentation confirming you received the merchandise or service ''. I explained my case again to the bank and they agreed to reinvestigate, parallelly XXXX told me that this would be handled by the bank. 

After reinvestigating ( XX/XX/XXXX ), the Bank has again denied my claim and its refusing to further act on it. XXXX ( as per my call with them on XXXX, XXXX ) is also not willing to resolve it even though they admit that its a fraudulent transaction, even though I told them that the product is still safe ( after 2 months ) with me and they can pick it back and process refund. 

So someone fraudulently used my credit card on XXXX but neither Bank of America or XXXX are resolving it even though I am willing to return the fraudulently ordered product. The attitude of Bank of America is totally against the Zero Liability that they are advertising.

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 2022-01-06
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
look i dont have dates except todays really. 

Disputed a record that was FRAUD potentially commited by a wanted Pennsylvania Fugitive. 

XXXX XXXX emailed me and stated on XX/XX/XXXX. That i owe XXXX XXXX dollars On my XXXX report XXXX Which was reported by CONVERGENT OUTSOURCING. 
WHICH WAS REMOVED FROM ALL REPORTS XX/XX/XXXX. I Don't get why it has re-appeared. It was removed and isn't mine. it was even marked in comments : ( Meets requirement of the Fair Credit Reporting Act ). Which means it shouldn't be there again. So either XXXX XXXX is trying to XXXX my record up again. Or Convergent Outsourcing is. 

Im just trying to build some XXXX XXXX credit finally in life. I shouldn't have any accounts open or even in collections. I've never had any

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 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I applied for the card for XXXX XXXX  XXXX  they told me would be no hard inquiry once i got one I took care of this right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.

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 2020-11-24
Company: Experian Information Solutions 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:
I am filing this complaint because Experian has ignored MULTIPLE requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. 

On XX/XX/2020 and XX/XX/2020 I have submitted complaints against Experian about the failure to reinvestigate my dispute. The response Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. 

This is to confirm that this is sent directly by me.

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 2021-03-27
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ask Carter-Young to remove a account off my credit report or show me how its valid or verify it. When they could not they told me they would delete it. I feel like its a breach of my privacy, theft of my identity, and a improper use of my consumer report .Carter-Young is civilly liable pursuant 15 usc 1640 criminally pursuant 15 usc 1611. I demand compensation for their violations of the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
About a year ago two accounts from XXXX appeared on my Experian profile, I did not recognize them. My attorney contacted Experian via mail and by phone because I had been a victim of ID Theft and she was assisting me in a law suit .... anyway Experian removed the accounts. However, after a year this past Friday- Experian re- inserted the accounts back to my credit without proof or proper validation. I called them and was told I needed to contact XXXX. I already had and have been unable to get proper validation and was told to dispute the account with the bureau. If the accounts are not removed, I will be filing a law suit. I was just about to apply for financing

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 2021-03-27
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:
Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with Green Dot about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was open fraudulently

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 2019-11-01
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX incorrect

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 2019-03-19
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
This email was sent XX/XX/XXXX.. 
Good Day, I am EXTREMELY upset with the way my issue is being handled, as a customer it makes NO SENSE to be violated by a thief as well as Western Union.!!! 
I purchased XXXX money orders totalling {$600.00} that were stolen. I immediately called to have them flagged or canceled. 
I was told I have to pay a NON REFUNDABLE fee of {$60.00} to have a trace put on them which may take up to 120 days. 
I am in NO WAY fortunate enough to be able to afford this amount let alone WAIT 120 days for a resolution, this was part of my rent money. 
It seems as though your policy benefits the crooks and not your customers. It provides the crooks with enough time to cash & spend MY HARD EARN MONEY..!!! It should not cost me MORE money that I dont have to track down these money orders or who spent them and where.!!! 
I am looking forward to speaking with someone in your Corporate Office in search of a better solution to avoid involving attorney 's & reaching out to the XXXX as well as the media. THIS IS EXTREMELY UNFAIR Money Order Info : XXXX XXXX On XX/XX/XXXX I submitted the the Money Order Research Request form. On XX/XX/XXXX the stolen money orders were cashed. On XX/XX/XXXX I recieved in the mail a photo copy of a cashed money order for {$100.00}, however I paid to have the {$500.00} money order traced ... Customer Service is outsourced to the XXXX and even they are very rude & unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: WA
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 have an item on my credit report from XXXX, Equifax, & XXXX  that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: WELLS FARGO & COMPANY
State: NY
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:
Wf Bank Na I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I applied for the card for XXXX XXXX XXXX they told me would be no hard inquiry once i got one I took care of this right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

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 2023-01-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2022, approximately XXXX XXXX midnight eastern time, a perpetrator broke into our condominium 's mail box with a stolen XXXX master key. He was able to open all the mailboxes and stole all the packages, mail, and monthly common charge checks from the building. This person then washed the check with chemical and changed my check 's name, amount of {$250.00} to {$2500.00}, and memo but kept my signature on the check The check was then deposited into XXXX XXXX Bank. I filed a claim with Chase bank and also filed a police report immediately as soon as I found out. They told me I have to wait 90 days for Chase to investigate and contact XXXX XXXX. I haven't heard anything within 90 days so I called Chase for an update and they told me XXXX XXXX 's didn't respond to Chase 's claim. And they told me that my funds wouldn't be recover if XXXX XXXX doesn't respond. Chase said they aren't responsible for it anymore. I attached all the evidences and documents that the bank told me to fill out. Please help me recover my funds as both banks are denying responsibility to help me on my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Each time I call Tran Union and bring their attention to incorrect items or items that has not be varied, they open up investegation to items the is okay on my report Later the become negative items My credit score dropped 40 points after I talk with them about one item that was not my item and the company refused to vary information and stated it was not my information. 
Student loan was okay but up dated to being late-WHY this is not was not reported before they investograte but told me over the phone the item was update and ok- tape recorded the conversation

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 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I received a voicemail on XX/XX/18 by a Bank of America phone rep. They did not leave a name or phone number/extension to contact. I have been receiving calls from phone # XXXX however no voice messages were ever left. When I call the number back it takes me to the call center and no one seems to know why I was called. 

When I finally reached someone on XX/XX/18 who directed me to the car loan department the rep ( XXXX XXXX or XXXX ) stated my car was out for repossession. And I requested to talk to a manager to try to get resolved today they stated 24-72 hours it would take for call back. The rep stated nothing he can do and I need to go into a financial center to try to make payment. He could not make payment arrangements or anything. Then stated once I make payment at the Financial Center then I need to call XXXX when I am there to ensure they have payment.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 USC 1681C-2 STATES *EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIED INFORMATION THAT RESULTED FROM AN " ALLEGED IDENTITY THEFT '' PLEASE REMOVE THESE ACCOUNTS AS IT IS A VIOLATION TO MY CONSUMER RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: AZ
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:
I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.

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