BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
We have been unsuccessfully attempting to close an IRA that my Mom had at Webster Bank. She died two years ago and we have had multiple interactions with the bank, filled out all the requested forms ( multiple times ) to no avail. I finally jumped through every hoop and was told I'd receive a check in the mail only to receive a deposit slip showing my portion of the proceeds had been deposited into some random account that I have no access not knowledge of. The bank has been unwilling to complete the closing of this account. We are at a loss as to how to proceed in securing the money which, by law, is OUR money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-25
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had some fraud on my bank account and Chase bank is helping me with disputes but My bank account went into the negative because of the fraud charges and they are only removing 2 of the nsf fees and not all of them. I have been with chase for 4 and a half years and now feel like they are mistreating me. If I can't get them to resolve this matter I will be leaving Chase for good.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a call from ERC telling me I owed money to XXXX XXXX XXXX I told them I am waiting on a check from XXXX XXXX XXXX due to filling a dispute with this company due to the service always being off and hardly ever on which was why I discontinue service and returned their product the service was more off than on told them I was returning it that I was not satisfied with it and have it back immediately I would try on many attempts to fix the problem to get a credit and each time the service stayed off it became a real problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a FSA for commuter mass benefits for TOLLS  and the bank " XXXX XXXX  '' is not paying the XXXX as I instructed. I have funds available and they are not giving me access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 don't have a XXXX credit card and this what they are trying to say this one is XXXX account on your TransUnion credit report. 

I tried to dispute this with transunion but they still are showing this on my report and it has affected my 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 explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report has false information about 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 non-monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion and XXXX are fraudulent on their accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2018-10-07
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Im filing a complaint re : Synchrony Bank debt collection actions on 2 accounts ( mattress & carpet ). I informed them on XX/XX/XXXX that I had a family emergency & would catch up missed XX/XX/XXXX. payments in XX/XX/XXXX.,  including any late fee. Since then, the co. has contacted me several times a day, 7 days a week, on both my home & mobile phones, even though Ive asked them to stop. I went online today after I received another call, & was required to update my phone numbers, even though theyve called me on both since XX/XX/XXXX. I can send copies of communications. Thanks for your help in this matter.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: GA
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 put in a dispute was put in with XXXX on XX/XX/2023. I didn't receive the results of the investigation after 30 days. I then filed a complaint with the CFPB on XX/XX/2023 stating that XXXX was in violation of FCRA. The results were supposed to be updated within 15 days which would have been XX/XX/2023. I'm now filing a second complaint with the CFPB because it has been 24 days and i have not received results.

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 2021-10-17
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Grain Technology, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I WAS CONTACTED BY XXXX XXXX ABOUT AN ASTOUNDING DEBT FROM AN HSBC CREDIT CARD. I WAS THREATENED WITH GARNISHMENT AND ADVERSE REPORTING TO THE CREDIT BUREAU. XXXX XXXX ALSO INFORMED ME THEY HAD SPOKEN TO MY BANKRUPTCY ATTORNEY AND VERIFIED THAT THE CREDIT CARD IN QUESTION WAS NOT INCLUDED IN MY BANKCUPTCY. NEXT, XXXX XXXX  INFORMED THAT BY OPENING THE HSBC ACCOUNT, WHAT I HAD DONE WAS ILLEGAL AND MY BANKRUPTCY WOULD BE VOIDED UNLESS I PAID THE THE {$600.00} PLUS DOLLARS THEY SAY I OWE. I CONTACTED HSBC AND VERIFIED THAT I DO NOT HAVE ANY OUTSTANDING ACCOUNTS WITH THEM AND XXXX XXXX WAS PROBABLY TRYING TO SCAM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to get an account looked into on my report and they don't take the time to look into it the day after I put in a dispute I receive a notification that the information is correct. When in fact there is no possible way to send the information to the account to be looked at in the matter of XXXX hours. Name of company is XXXX. XXXX XXXX that I needed looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from First Continental and XXXX XXXX on XXXX2018 in regards of Denial of VA Loan Modification in which I have sent to Department of Justice XXXX XXXX and Federal CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
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:
I was a victim of Identity Theft a few times over the past two years and have submitted police reports, identity theft reports and have spoken with each credit bureau. I even have an extended fraud alert on each bureau. I just pulled a copy of my credit report and it states I have a medical collection opened in XXXX 2017. This is NOT FACTUAL and needs to be removed as it is apparent identity theft. The credit bureau has not removed this account even after my dispute to them. 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 explanation
Consumer complaint received 2022-12-03
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose

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 2023-06-29
Company: Credit Karma, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been working with my neighbor and XXXX XXXX XXXX to get my phone switched over to my affordable connectivity plan since XX/XX/2023, and we were finally able to get the required information from XXXX to transfer my number. I checked all my accounts and had more than enough in my credit Karma account, so the transaction was done on the XXXX of XXXX. Furthermore, I keep getting e-mails saying they need more info again and come to find out Credit Karma is holding my money and will NOT release it until the XX/XX/XXXX. This is going to cause me loss of contact with the XXXX XXXX, my XXXX doctors, my specialty clinics and family and friends. It is my money, and they are treating it as if I asked for a loan and won't release it! This is what my account says at credit karma- XXXX XXXX XXXX XX/XX/XXXX Hold <<<<<<<< - {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hold <<<<<<<< - {$12.00} Posted XXXX XXXX XXXX XXXX {$100.00} {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$89.00} - {$15.00} XXXX XXXX XXXX XXXX  {$100.00} {$20.00} XXXX XXXX XXXX XXXX {$85.00} - {$23.00} XXXX XXXX XXXX XXXX  {$100.00} {$43.00} XXXX XXXX XXXXXX/XX/XXXX {$65.00} - {$23.00} XXXX XXXX XXXX {$88.00} - {$20.00} XXXX XXXX XXXX XXXX {$100.00} {$20.00} XXXX XXXX XXXX XXXX {$88.00} {$20.00} XXXX XXXX XXXX XXXX {$68.00} {$20.00} XXXX XXXX XX/XX/XXXX {$48.00} {$20.00} XXXX XXXX XXXX XXXX  {$28.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recently received a letter from Midland Credit Management , Inc, in regards to a debt that is not mine and never known to me. Send company a Validation letter on XX/XX/2020. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On about XXXX 2022 I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from XXXX, Equifax and XXXX XXXX stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone went into a branch and opened up a account in my name

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 2020-04-15
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I am disputing a charge and the details are outlined below. Charge was made XX/XX/XXXX on my Chase Amazon Credit Card with a post date of XX/XX/XXXX - On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX  through Amazon. The Amazon order number is XXXX. Cost with tax was {$1100.00}. On XX/XX/XXXX, I received notification from Amazon ( not  XXXX or XXXX XXXX ) that there was a problem with the XXXX  and it was being recalled. This is the link - XXXX XXXX XXXXXXXX I called XXXX and they told me not to use the XXXX  as it was a fire hazard. I asked where it could be repaired and they told me the parts were not available and did not know timing as to when available. I called and wrote to XXXX XXXX asking about a return. They told me I was past the time on their return policy. I have notified Amazon and not sure of the status. I have also filed a dispute with my Chase Amazon Card but so far not much response on that. I have found on the internet that XXXX of these units have been recalled in total ( XXXX last year ). I believe there is also a class action lawsuit against XXXX. This complaint is against XXXX XXXX ( possibly XXXX ) as XXXX XXXX sold me a generator that had problems and still has problems and is dangerous and can not be fixed at this time. XXXX XXXX nor XXXX have notified me about the recall even though I purchased the generator from XXXX XXXX and registered it with XXXX. I only leaned about the issues through Amazon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PNC Bank is not allowing my account to be linked to my XXXX account. This is frustrating since XXXX only allows investing funded through valid checking accounts and this is my only checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: CA
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:
XXXX. XXXX. XXXXXXXX XXXX  XXXX. {$25000.00} 3.I 've submitted all the proper documents to prove my claim to all reporting agencies XXXX, XXXX have compiled base on my claim and remove said account from my credit report only Equifax remains to be corrected ... corrected/remove updated ... ( all documents sent by certified mail )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone and debit cards was stolen on the XXXX of XX/XX/. I called bank of Oklahoma to block my card but whoever stole my phone was able to access my online bank and stole {$2000.00}. The bank claimed they will freeze my account and carry out and investigation and a dispute was filed with the fraud department. Today, I was told the my dispute was denied and that I owe the bank. I was spoken to in a horrible way by someone from the loss prevention department I assume. He spoke to me as if I had stolen my own money and asked my questions in that regards. Whoever hacked into my account also took money from my XXXX XXXX XXXX account. I am a victim of identity theft and I am currently filling a claim. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I never agreed to interest loans imposed by the SunTrust company ... XXXX.nor did I agree for SunTrust to take over my loans and they bought my debt without my consent or notification. I formally refuse to take on the new undiscussed interest rates and this new lenders service ... .I do not do banking business with SunTrust nor have they ever given me a loan. I demand this debt be removed because it is not my debt once it is paid off from the entity I agreed with. 
I have not confirmed any paperwork with SunTrust and this makes my balances new and different interest monies are included which I did not agree upon. This debt is no longer under a signed contract with XXXX XXXX as I was not present or notified prior to the shift in debt possession. 

I would like this debt permanently removed since it has been satisfied by an unknown benefactor as shown on my credit report. Benefactor named as SunTrust.

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