BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had deposited ample funds to pay my bills for XX/XX/XXXX. After paying an online bill I checked my online account on XX/XX/XXXX at XXXX and found that I had a negative balance. After checking my recent account transactions deposits, I found a check cashed for {$800.00} on XX/XX/XXXX. I did not recognize the transaction and downloaded the image of the check from the bank website. The image of the check showed that it had been altered, the original payee was changed from an institution to an individual name, the original amount was written out and changed to a larger amount and the original amount was changed from {$80.00} to {$800.00}. Also, my signature was altered but the memo section of the check still showed tithes. The back of the check was also accessible online and it was totally illegible as to where the check was cashed and the person signed the back in script. I called the US Bank 1800 line and submitted a check fraud report immediately. I asked if they could tell who was the cashing institution and they said they couldn't. Then the next day on XX/XX/XXXX I went to my bank branch and reported the fraud and closed the account. I asked for my funds to be restored to my account but my bank refused and said they would need to investigate first. A report was submitted by the bank agent on XX/XX/XXXX, but this person did not follow proper submission procedure and so the report was not filled with this bank 's fraud department ( it just sat in limbo!! This person should be retrained!! ), and when I checked on progress I had to make a 2nd report and ask for a re-submit on XX/XX/XXXX with the bank fraud department. In the meantime, The person submitted the forged check again ( same check number as verified by the caller ) at another bank and asked this bank to cash it. This bank called me to verify that it could be cashed and I said, " no! '' and told them it was forged and I asked the caller how they got my name and phone number. The caller declined to tell me and would not tell me where this branch was located. I tried again by telephone on XXXX and XX/XX/XXXX to ask the bank to please restore my deposited money which was taken out by this forged check but they are refusing. I have made a police report, I have copies of the forged check, dates, times and transaction references of the forged check cashing and I need restoration of my funds. I am not a criminal. This time lapse in resolving the problem of this check forgery resulting in removal of my deposited amount has created a financial burden on me and many mental, emotional hardships and I need my account restored to pay bills. This is more than a month later as of this date, this is time enough to resolve this issue with the evidence 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 2022-09-14
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent a validity of debt letter to : Credence Resource Management , LLC XXXX XXXX XXXX # XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX XXXX Reference ID : XXXX Amount : {$260.00} That amount does not belong to me. They put a mark on my credit report without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: Bread Financial Holdings, Inc.
State: FL
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:
I have XXXX accounts. I recently fell behind for the first time due to loss of income then loss of housing. Comenity Bank is relentlessly harassing me. On XXXX XXXX they called me XXXX times. ( They are calling under " Unknown. '' I answered XXXX of the calls verifying it was Comenity Bank XXXX. I advised them they 're not adhering to XXXX laws regarding debt collection. The woman then became irate and I just had to hang up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Disputed fraudulent accounts with reporting agency and they did nothing to help. Could not get directed anyone who could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: JPMORGAN CHASE & CO.
State: FL
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:
In XXXX of XXXX, I was in the process of booking a hotel room at the XXXX XXXX in downtown XXXX. Before finalizing the booking, a credit card offer presented itself on the XXXX website from Chase. The offer was that upon approval, I would get a {$250.00} statement credit. Well, I never got it. I called Chase and XXXX after I got my first statement and saw that the credit was not there. Over the last several months, I have since spent many hours on the phone with many different Chase and XXXX supervisors asking for my credit and they keep telling me the same thing ; Chase says XXXX has to give me the credit and XXXX says Chase has to give me the credit. Basically I was lied to and this is unfair and unacceptable. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act Source Receivables XXXX XXXX XXXX  ) Account # XXXX and XXXX  account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I began working on another degree in late XXXX. Something about this enrollment and information received by Navient from the school caused Navient to put my loans into deferment without consulting me first. I contacted Navient and instructed them that I had not requested this change and that I did not want my loans in deferment. I requested that my loans be restored to the same terms as before since I had not requested this deferment. I wanted my payments to remain the same and I wanted my principal to interest ratio to stay the same. They assured me that this would not be an issue. 

They, however, reduced my payments from {$440.00} to {$370.00} which is essentially extending the length of my loan. My principal to interest ratio also changed. Previously, approximately 28 % of my payment was going towards interest. Now, 40 % of my payment is going to interest. I contacted Navient in XXXX and was told, in writing, that my payments would be restored for the XXXX payment. They were not. I contacted them again once I got my monthly notification for the automatic withdrawal and it did not reflect the change. I was told that it was too close to the date and that I would have to call and request this again after XX/XX/XXXX. 

I called again and was told that the issue needed to be escalated and that they would get back to me in a few days. It has been a few weeks and I have not heard anything. The XXXX payment came out at the reduced rate and I can see on their website that the XXXX payment is scheduled to do the same. 

I have reached out to Navient several times regarding this issue and can not seem to get this settled on my own. After several attempts, I do believe this is a deliberate act that needs to be investigated by a higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I contacted Capital One to release an authorization hold for a cancelled transaction by XXXX from XX/XX/18. I spoke with 3 reps who verified by identify, inclusive of phone number, address, credit card, social security number and transaction. I was transferred to another rep, Senior Account Rep who insinuated that I wasn't who I said I was. She confirmed by identify once more, my phone number in which I was calling from. Then she placed me on an extended hold for about 15-20 minutes, came back and blind transferred me to the Fraud Supervisor XXXX ID # XXXX who questioned my identity and needed to provide additional verification steps after already verifying my identity by 2 previous reps. XXXX practically criminalized me for my efforts to resolve a authorization hold of {$13.00} and {$100.00}. He refused to give me the specifics on why the additional verification was needed, only said that " sometimes people aren't who they say they are '' or verify other people 's information '' I feel criminalized and discriminated against and demand a written apology on why this happened to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: GOLDMAN SACHS BANK USA
State: TN
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:
Attached documents prove that Apple Card violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from Apple Card, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the Apple Card/GS bank generated technical errors, initiating a series of events - all caused by Apple Card - that were immediately rectified by the consumer ( myself ). Attached documents prove that Apple Card and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by Apple stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Though there were no late payments in this case, Attached documents prove that Apple Card violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by Apple Card XXXX that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing Apple Card 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the Apple Card Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX XXXX  to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from Apple Card was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the apple card/wallet app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-04-11
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:
I have disputed the same companies on my credit report over 3 times. I still to date have not received written proof of the dept. I have sent multiple letters since 2019 and still got no resolution. i have sent court documents and still its on my 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 explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-08-07
Company: JPMORGAN CHASE & CO.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I began a consulting business and enrolled with XXXX to invoice clients. " WePay through JP Morgan '' is integrated with XXXX to transfer payment directly to my business account. 
On XXXX, I submitted my first invoice for hours worked XXXX, this invoice was paid on XXXX in the amount of {$1600.00}. 
On XXXX I received an email from WePay saying that my account had been closed due to being " High Risk '' and they can not process my payments through their site. I followed their dispute process to appeal the decision and received an email saying Currently the account has a balance of {$1600.00} which will be held for a period of 120 days to cover any potential chargebacks. ( {$49.00} fee to XXXX for processing even though it didn't work )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX 2022 an account was opened with XXXX XXXX Bank in the amount of {$2400.00} and was sold to LVNV FUNDING LCC collection agency. I have NO knowledge of this account, which was opened fraudulently. My dispute came back negative, with no means of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: United PanAm Financial Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my report, I see an unauthorized, inaccurate and invalid auto loan being reported onto my credit report. This account in not mine and was opened without my consent. According to the FCRA this is against federal laws. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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: Investigation took more than 30 days

Complaint:
sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in Canada were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.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 2017-10-01
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX and associates reported a new collection account in my credit report with out sent me any letter to state that I have the right to dispute. I do not own anything to them but they damaged my credit with reporting negative mark

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation