BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Problem with customer service

Complaint:
I have a Citi Shop Your Way Sears Mastercard. It is a general purpose credit card specifically tailored to Sears. 

I cancelled a Sears protection plan back in XXXX and I was supposed to receive a refund of {$1200.00} plus tax. I followed up today, XX/XX/2019, after I had still not received the refund check promised only to find out that the refund had been issued to my Shop Your Way card on XX/XX/2019 without my knowledge and with no notice. What is more, during this time ( or recently ) my card apparently was issued a new card number, but no one notified me or even sent me a new card. So I had to sort through that confusion as well. I still do not have a card with the new card number. 

My card had a {$0.00} balance so my money has just been sitting there with a negative balance this entire time ( earning interest no doubt ). It is, I believe, standard practice to eventually cut a check when there is a negative balance on a card for a prolonged period of time ( especially a large balance such as this one ). However, it is clear that there was no plan on the part of Citi/Sears to do this. ( Incidentally, my refund was reduced by {$89.00} plus tax for a home visit to service my refrigerator ; however, this was incorrectly charged, as the visit was covered under the regular 1 year manufacturer 's warranty - Now waiting on Sears to refund this as well, which I presume will also go to my credit card ). 

I have called the card 's customer service phone number three times today at different times. I have held for very long periods of time, and still no answer. 

The final straw is the message I received in the " secure message center '' following my message sent earlier today, in which I requested to receive my funds immediately. The message reads as follows : We received your recent inquiry regarding your account. We are unable to issue a refund at this time. A credit has been issues for an item in dispute. If the dispute is resolved in your favor, then a refund will be processed at that time. Please let us know if we can be of further assistance. 

Obviously, this reply is completely unresponsive to the matter at hand. Since no one answers the phone, I have decided to allow the CFPB the opportunity to issue a directive to one of the major banking institutions in our country, requiring it to be responsive to clients. It needs to have customer service agents who will answer the phones, and it must send clients the money they are entitled to. 

Awaiting your action and reply. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
The Navy Federal account has been paid in full and XXXX  is reporting it as a charge off. Also, XXXX  has the wrong balance and account number. Please open attachment for your review as I got a letter stating the account is paid in full and is in good standing. 

The correct account number is : XXXX Thanks You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XX/XX/2022

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 2017-10-06
Company: AMERICAN EXPRESS COMPANY
State: KY
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:
American Express and XXXX XXXX have multiple inquires on my account that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX uses Sunrise Credit Services Inc., to collect debts. I was not able to get XXXX XXXX XXXX internet service to work where I live, I returned the equipment promptly. I was repeatedly told I would not be billed for services and was told the equipment was received by XXXX XXXX XXXX.
Service attempt was is in XX/XX/XXXX. Billing from XXXX XXXX XXXX stopped in XX/XX/XXXX, I called with each bill and was assured I did not owe on month service as it was unable to be installed. Then XXXX XXXX XXXX sent me to Sunrise Credit Services , Inc., I started receiving phone calls and then received their demand letter for {$190.00}. I provided my tracking number for the equipment and was told by one agent once the tracking number was received the bill would be completed. When I returned the call to another agent and gave the tracking number I was told I still owed. After many calls the bill was reduced to owing one month of service. At my second to last call is when the {$190.00} was broke down that I owed for the equipment ( XXXX XXXX XXXX had received on XX/XX/XXXX) and XXXX XXXX XXXX confirmed received at the end of XX/XX/XXXX. Plus I owed for the month of service ( which XXXX XXXX XXXX  customer service said was not owed. ) May last call on XX/XX/XXXXwas told XXXX XXXX XXXX had retracted the claim. Asked for confirmation in writing and was denied any confirmation.

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 2017-10-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated from XX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical 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 2019-07-03
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: Account information incorrect

Complaint:
I have contacted the credit bureau many times about these four accounts that are still showing incorrect status & account balances. one account is on my credit profile twice with different balance & status. 


XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX   XXXX - XXXX XXXX XXXX XXXXXXXX - 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 2019-07-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am going thru a Family Hardship causing my house to fall into foreclosure. I decided to withdraw funds from my XXXX XXXX 401K Retirement plan to avoid to loose my roof. XXXX XXXX issued the tranfer via " ELECTRONIC FUNDS TRANSFER ( AFT ). XXXX   Issued tranfer on XX/XX/2019 by " electronic check number # XXXX for the amount of {$11000.00} ( Before taxes ) for the 2019. The Net amount to be deposited into my JP MORGAN DIRECT DEPOSIT ACCOUNT ENDING IN # XXXX WAS $ XXXXnet. ( after taxes ). On XX/XX/2019 started the transfer process. Approximately by XX/XX/2019 ( the 3rd business day the {$8200.00} funds were supposted to be in my direct deposit JP Morgan account ending in # XXXX. XXXX XXXX did an error by depositing the funds into a " INCORRECT CLOSED UNKNOWN ACCOUNT IN JP MORGAN ''. I opened a claim # XXXXwith JP MORGAN. I requested JP morgan to reverse the funds inmmediatly to XXXX, so they can issue a new check to send us asap. or to deposited the funds to my correct account ending # XXXX. JPMorgan said they cant reverse funds unless XXXX  send JPM a letter of Indemnity.  but XXXX dont do this letter. Its been 30 days that ChaseJPMorgan continue to keep our funds and not release them that causes us multiple overdraft charges, cancelling our car insurance, missed out deadline to pay our Mortgage to avoid foreclouse, didnt pay our car payment etc. On XX/XX/2019 I scalated this complaint to JP MORGAN ARIZONA COMPLAINT DEPARTMENT. because Chase JPM already closed the case without letting us know or without given us a solution or an answer. ( we didnt know ). I got a call from ARIZONA COMPLAINT DEPT week of XX/XX/2019 by XXXX XXXX with no solution but to wait. On XX/XX/2019 I decided to write an email to her boss Ms XXXX XXXX XXXX to scaled the my claim to have my voice heard. i send her via email, proof of bank statements with overdraft fees, proof of car isurance cancellation, crying out im loosing my roof etc. On XX/XX/XXXX, also XXXXXXXX XXXX  and i did a 3x way calling with XXXX XXXX and she said that this call was sccaled to her boss that due to this letter it was scaled to the executives Of chase Jp Morgan and i have to keep waiting. its been 30 days that JP MORGAN CHASE IS KEEPING MY FUNDS. all they have to do is to " reject the transaction " so XXXX XXXX can mail us a new check to us next day delivery. Chase dont want to realease the funds with no reason? Please help. im loosing my family roof ... .. 

Note : I contacted today againTODAY XX/XX/2019 with XXXX XXXX. They adviced me that on XX/XX/XXXX, XXXX  did a request to JPMORGAN to " Reverse the funds to be sent it to the appropiate account holder ( Me ) " attempt was " EFT REVERSAL WAS MADE '' IT WAS NOT SUCCESSFUL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03
Company: CITIBANK, N.A.
State: HI
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 was charged {$6500.00} on XX/XX/17 by XXXX, XXXX. In my dealings with this company I did not receive any services. The company was an absolute scam and will not respond back to any email/calls. Also have been shutdown by the FTC. XXXX XXXX agreed to settle FTC charges that it helped deceive consumers with false claims that they could earn six figures within 90 days. The defendant in the case, XXXX XXXX, allegedly helped operate the coaching scheme, which did business under the name XXXX XXXX. The final order bans XXXX from selling business coaching programs and investment opportunities. In addition to the false claims about how much money people could earn, XXXX XXXX falsely promised to provide individualized coaching from successful marketers, who in fact were just salespeople selling costlier membership levels, according to the FTC. The FTC alleges that most people never earned the promised income and that consumers lost tens of millions of dollars to the scheme, including some individuals who lost more than {$50000.00}.

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 explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated fromXX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2019-07-03
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX of XXXX  my identity was stolen since that time several fraudulent accounts have been opened .... this account from XXXX XXXX is one of them and they are trying to collect on a debt that I did not create acct # 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 2022-04-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax keep on saying that the item displayed on my credit report are correct!! The account is not a charge off, it's a government funded loan.. I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXXXXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: PLS GROUP, INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
From 2019 Until pls check cashing service used my idenity on loan marketing. 

My idenity has been stolen and they should Compensate me for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a US Bank small business checking account as a sole proprietor on XXXX under the terms of a bonus that stated 'You must make new deposit ( s ) of at least {$3000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$3000.00} through 60 days after account opening ' to receive {$300.00}. On XXXX, I deposited {$3000.00} in money new to US Bank from my XXXX bank account. This money, having been deposited within 30 days, was in the account in question ( ending in XXXX ) until XXXX, well after 60 days. Despite meeting the terms of the bonus, I did not receive it. After contacting US Bank, I was told " The customer did not make the required amount of deposits from eligible sources within the 30 day time frame. Per the disclosure : You must make new deposit ( s ) of at least {$3000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$3000.00} through 60 days after account opening. '' Despite my complaints that this was patently false, US Bank has refused to offer anything more in response. 

They can not be allowed to simply disregard the terms in their promotion in an attempt to gin up new accounts false advertising and deceptive and malicious practices are particularly dangerous when it comes to banking.

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