BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I suffered fraud transaction on my CITI debit card and I submitted it to CITIBANK. However, they denied my claim with no reason and reject to issue appeal for that.

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 2018-02-10
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX made an on-line purchase at Walmart.com. It was offered, at check-out, a {$35.00} credit if I opened a credit card. I got the credit card this day because of the Promotional Credit. Called Customer Service on XX/XX/XXXX regarding the {$35.00} credit promotion ; was told this would take 1-2 billings cycles. Called on XX/XX/XXXX & talked to XXXX, she stated this promo credit was never applied so she would push this over and it would show up in 4-7 business days on my account. Called on XX/XX/XXXX and talked to XXXX, she stated this credit would show up in another 1-2 billing cycles. Think this is a scam, and they are not ever intending to issue the advertised Promotional Credit. If a consumer didn't pay their bill on time, they would be charged interest. Walmart/financial institute for the credit card should have to pay interest for their false promotional credits.

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 2023-12-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX, XXXX and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2023-08-26
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filled for Bankrupcy in XXXX of XXXX. This company continued to try to collect the debt during the bankrupcy even after being contact by my lawyer and being served by the court at least 5 times. After the Debt was discharged I filed a complaint the credit agencies provided the petition for bankrucy as well as the Discharge that was granted. 

On XX/XX/2023 Marcus by Goldman Sachs responded electronicky and in writting the I still owe the Debt, which is a Violation of the United Stated Bankrupcy Protection act. And that they are going to continue reporting it to the credit agencies. 

I, My lawyer, or the court have not given them the bankrupcy papers atleast 6 times. 2 times now post discharge. this complaint with the 3rd time post bankrupcy they have been provided the court documents of discharge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Was not notified of investigation status or results

Complaint:
XXXX. DEPT OF ED / XXXX ( {$39000.00} ) Account XXXX Q Date of first delinquency is missing? 
Date of letter 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 2018-02-10
Company: Experian Information Solutions 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:
New public record/ child support law took affect XX/XX/2017 since then I have been writing, faxing and calling in to get items that are reporting to my credit bureau file invalidly removed and XXXX  and Experian have refused to compile with states law. IL Dept of HC and  Family services is child support which is reporting invalid account status, dates, amounts and to my knowledge is not suppose to appear on files any more because account does not have any contractual agreement for services or products offered and XXXX XXXX XXXX is not my account I do not recall having any services or contract with this company. Other account that appear on Experian only that need to be removed in addition to the two mentioned above are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2023-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Earlier this month I got a letter in the mail saying Chase was closing my checking account on XX/XX/XXXX due to suspicious activity of funds. I have never been involved in any fraud or suspicious activities assumed upon me. I am a XXXX XXXX XXXX XXXX  who goes to school, work and home. Ive very upset about this circumstance because I love using Chase and have ever since I was old enough to open a bank account. I called the customer support number, XX/XX/XXXX to see if there was anything I could do. The representative told me I could never open an account with chase again and there was nothing I could do. I dont think this is right and this is why Im filing a complaint. Please help me in not getting my account closed, I havent done anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: NV
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 confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: JPMORGAN CHASE & CO.
State: PA
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:
This Complaint is related to a previously filed complaint ( XXXX ). Chase in its response, in order to close the complaint provided incomplete information and withheld other information. This complaint is related violations of the Fair Debt Collection Practices Act, the Truth in Lending Act, and the Fair Credit Reporting Act as well as abusive behavior in confiscating reward points without formal notification. Given recent Press Coverage of Chases efforts to manage reward costs this appears to be a conscious strategy to enrich the company and its shareholders and I request whistleblower status. 

The specifics of my initial complaint are attached. Relevant new information is as follows : I called Chase on XX/XX/XXXX to make a payment. The Payment came out of my account that day. As mentioned in the prior complaint I attempted to use the card at a XXXX XXXX and was declined. 

You will notice that while the Associate I spoke with was acting in a Debt Collection fashion, Chase is unable to provide a recording or transcript of the call. Quite convenient, but also troubling in that there appears to be a lack of oversight of this type of debt collection on Chases part, including any verification that appropriate disclosures and scripting was followed. Clearly this is something for you to review on their next Regulatory exam. 

On XX/XX/XXXX I received the attached letter confirming the Payment. Notice there is no mention of the account being closed. 

On XX/XX/XXXX I recieved my account statement ( attached ) reflecting the payment but showing the reward points removed. However the statement does not mention that the account was closed. It simply shows my credit limit of {$20000.00} but shows an available credit of {$0.00}. How would a consumer understand that the account had been closed? 

I also attempted to resolve this issue through Social Media via XXXX. I posted complaints to the Chase public account and XXXX  XXXX immediately responded asking me to direct message them my information, which I did. I followed this approach multiple times between XX/XX/XXXX and XX/XX/XXXX. Each time, I never heard back from CHase. It is clear their strategy is to derail negative comments via an offer to take the conversation offline and they NEVER follow up. Clearly this is a deceptive use of Social Media and a bad faith approach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
29 days ago ( XX/XX/XXXX ) I sent XXXX EUR via SEPA transfer to Coinbase however these funds are still not in my Coinbase account. In previous experience it has taken 1 to 2 days to arrive. I have provided the evidence of this transfer to Coinbase but no response from anyone at Coinbase since XX/XX/XXXX ( 24 days ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 explanation
Consumer complaint received 2022-01-23
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dear XXXX XXXXXXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and depression. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018, I contacted Sterling Talent Solutions in an effort to understand what information on a background check they provided to XXXX   caused XXXX to disengage me from their platform. On XX/XX/2018, Sterling responded, requesting personal information from me so that they would be able to retrieve a copy of this report. I provided them with the information requested, and have attached a copy of the e-mails I sent to them. I also attached a copy of my California driver 's license. 

Sterling seemingly found the information sufficient so as to release a copy of the report to me. The envelope arrive yesterday, XX/XX/2018. To my surprise, Sterling had not sent me a copy of MY report ; instead, I found a copy of another driver 's confidential background check ( copy attached ). 

I have reached out to both XXXX and Sterling to make them aware of this breach of the other person 's private information and confidentiality.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.

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 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is being filed regarding an excessive hold delay on the availability of funds from a check deposit. On XX/XX/XXXX a check was deposited at a local Bank of America branch ATM for {$10000.00}. After depositing the check the ATM displayed a message which was also included on the printed receipt which stated a hold was placed on the deposit which would delay the full amount until XX/XX/XXXX. 

I parked and went into the bank to seek a resolution with someone in person. The teller stated she was unable to do anything and simply gave me the phone number of a Bank of America customer service line to call. This was written on a Post it note. What a joke.

The check has cleared from the originating bank ( it was a check written from my business account at a different bank to my personal account at Bank of America XXXX. I called the customer service line today to see if the hold could be released or the process sped up since the {$10000.00} is already gone from the originating bank account. The person I spoke with via BOA customer service stated that nothing could be done, and I would simply have to wait until XX/XX/XXXX for the funds to be available.

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 2022-01-23
Company: OPORTUN FINANCIAL CORPORATION
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:
THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY EXPERIAN REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX  REFUSES TO REMOVE THEM. XXXX  DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH.

XXXX/OPORTUN
All Banks - non specific
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXXXXXX - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX - non specific
Inquiry dateXXXX XXXX XXXX XXXX
Removal date: XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 am submitting this to bring to your attention a matter of great concern regarding the presence of unauthorized inquiries on my credit reports. As previously communicated, I am scheduled to update my credit reports in fifteen days. Enclosed with this correspondence is a copy of the FTC Fraud Report, referenced under # XXXX, which I will re-attach for your reference. The following inquiries, which I believe to be a result of alleged identity theft, are currently present on my credit file : XXXX XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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 explanation