BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-04-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a new checking and savings account as a XXXX XXXX with Citibank and referred a friend who also opened new accounts with {$30000.00} this same day which made me eligible for the XXXX bonus of {$100.00}. 

I have gone into the branch location in XXXX XXXX Florida at the XXXX XXXX several many times to have this bonus deposited into my account and also called which there is never an answer on their branch phone. I spoke with the manager XXXX XXXX ( XXXX ) and my account manager XXXX XXXX on over 5 occasions face to face both indicating this will be resolved. I have a file of email correspondence, Too date this has not been resolved XX/XX/XXXX. 

I spoke with a XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX both indicating that the bonus code was not coded correctly at the branch to apply the bonus. I was told I must deal with the bank as this was a branch promotion.

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 monetary relief
Consumer complaint received 2022-07-14
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am filing this complaint against PDQ in response to CFPB complaint # XXXX. PDQ stated that they were debt collector and this is an attempt to collect a debt. PDQ states that my overall complaint is uncertain, indefinite, or unclear. PDQ also stated that PDQ never alleged that I made a contract with PDQ, however PDQ is reporting negatively to the consumer reporting agencies. PDQ also stated that you will continue to report as disputed.PDQ also stated that they are a third party debt collector and are attempting to collect on behalf of the original creditor. I have never willingly contracted with PDQ and they have no lawful authority to be in possession of any of my nonpublic personal information and as they stated they never alleged that I made a contract with them. I have reasonable cause to believe that fraud has been committed. I am aware that due to the fact that my information was sold to a nonaffiliated third party without my lawful authority, this constitutes aggravated identity theft and is a violation of 18 U.S. Code 1028A.PDQ has taken unlawful extortionate means and used my nonpublic personal information to furnish information to the consumer reporting agencies they had reasonable cause to believe is inaccurate. PDQ has disclosed my nonpublic personal information to the consumer reporting agencies with forethought and malice to bring harm to my financial reputation.I have reasonable cause to believe the consumer reporting agencies were negligent to remove this inaccurate information due to their business relationship with PDQ. PDQ has conspired with the consumer reporting agencies they do business with, to coerce me to pay. PDQ has knowingly received proceeds from extortion to fund their criminal enterprise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: NY
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:
Last month my FICO score on Experian was XXXX. When I checked my Fico score in XXXX I saw it XXXX. I looked online on Experian site and it said I have 1 late payment ( 60+ days ). I requested my credit report and I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error. 
Meanwhile today on Experian site my FICO score is already XXXX. 
I need to apply for a credit card for my business and this score is keeping me from it negatively affecting my business.

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 2023-04-26
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
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 had missed a payment or two last year for this credit card. I had fully paid off the credit card in XXXX and it has a XXXX balance. The card is also closed there is no interest anymore. I had received late strikes in my credit for my this. I had disputed this several times and nothing has come out of it. I have noticed yet again that this company is still reporting it as late when its closed and is paid off. I want this company to stop reporting it and leave it. Since XXXX of 2022, I have been sending letters and even emails. Only one letter was responded too, never one email was ever responded too.

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 2018-10-12
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:
In XX/XX/2018 I mailed a dispute to Trans Union regarding XXXX account with a balance of {$320.00} that I never owned. I contacted XXXX, and they confirmed that there was no debt with my name within their records. I am requesting that Trans Union does their job accurately confirm this debt doesn't belong to me and that that bureau remove this debt from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.

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 2023-04-26
Company: Block, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received mail from Cash App yesterday ( Tuesday XX/XX/2023 ) with a Visa Debit card from Cash App. It had my name, a number, CVV, and expiration. On the card it said XXXX XXXX at the bottom along with cash.app. The paper that the card was attached to said Block , Inc. on it. From what I understand Cash App is owned by Block Inc. I did not ask for a card from them. I am concerned because I recently got a letter from XXXX XXXX about an account that was requested online. I see that there was legal action between Block and CFPB as well. When I called ( just now ) they asked me for my name and how long I had been living at my address. They wanted my email address to provide a link so that I could send them pictures of the card. I am really suspicious so I am afraid to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made an order with XXXX XXXX on XX/XX/23. I want this item for my birthday and which was XXXX. I realized after speaking with merchant they stopped my order. I disputed the charge with Chime. Chime then said they denied my dispute. I contacted the merchant. They sent me an email stating which a screenshot that they tried refunding me the money but couldnt but the bank froze the funds. Chime has denied my dispute 3 times. Please help me retrieve my {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 Ally Financial ran my credit report without my authorization. I applied for a car loan for lease and I gave XXXX XXXX approval to run my credit report, not Ally Financial. This needs to be removed Thank you

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 2016-03-03
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
iam disgusted why the CFPB have not requested from me my proof of paymant XXXX forms of proof no 1 XXXX paymants, no 2 international wire transaction no 3 cashed into wells fargo bank mortgage acount name XXXX { CASHED } acount in credit in excess {$8000.00} at the piont of refusal of monthly paymant saying acount closed in forclosure? Why have you not protected me against this fraudulent forclosure act, fraud and perjury committed by wells fargo bank [ mortgages ] you are not a consumer protection bureau

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 2023-08-07
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-03-20
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I made a XXXX deposit to the atmosphere at the bank branch, the money got stuck and ripped in the machine a XXXX I hit the button to return all tge money and the machine kept it and did not credit my acct at all. It was a XXXX and some XXXX. I filed a claim and the bank said because they couldn't find it I can't get my money back. They didn't even disassemble the atm.. I want my money back that the bank stole from me. Claim number 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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-04-26
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 sent a check to a vendor via mail. Somehow someone else intercepted the check and deposited it via a phone app into their account. after months of filing claims and paperwork the depositing bank has now denied the claim. It is a stolen check and yet I have to pay for both banks failures. This is not acceptable the banks involved are Chase Bank and XXXX XXXX XXXX  The check amount is $ XXXX and because Chase has not received a reply back from XXXX XXXX they are closing the claim. Money was stolen from me and no one will do anything other than send a letter and call it a day. When I spoke with XXXX XXXX they informed me that they will not accept any emailed documents and the request need to be in writing. Chase has sent the information to a different mailing address and has not received a reply so the issue has closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to access my credit score/report from Equifax since XX/XX/2018 when my husband and I were trying to buy a house. I had never requested my credit score from equifax specifically, so I never knew that there was an issue, but my husband and I were almost unable to go through with the home loan because my lender was unable to pull anything from Equifax. However, I have active, accessible credit files with XXXX and XXXX. At the time, I contacted Equifax several times by phone to try and determine what the issue was but they kept giving me different answers, such as " we do not have a file for you, '' " there is a discrepancy on your name, '' and " we can not give you any information at this time. '' I also tried to create an account on Equifax 's website, but I kept receiving an error code which I shared with the Equifax representative and they recommended that I try sending a letter to Equifax with copies of my social security card, photo id, and a cover letter explaining the situation, that there was a discrepancy on my name. A month later I received a response back from Equifax saying that they did not have a file for me. After buying our house, I tried to let some time pass, because I knew for sure that our lender reported to Equifax as well as the other lenders, and I wanted to see if that would make a difference. However, it has been over a year since we bought the house and I still can not access my credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: MS
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I deposited XXXX checks to broker XXXX XXXX of XXXX, NJ to invest in XXXX investments. XXXX check # XXXX for {$29000.00} was drawn on XXXX XXXX  and was paid out. XXXX checks were drawn on Bank of America from my personal account Check # XXXX for {$45000.00} and the other from my nonprofit account ( approved by the IRS ) Check # XXXX for {$16000.00}. The first check # XXXX has been paid out in full and was credited with XXXX investments. Check # XXXX has vanished without a trace and Bank of America has no explanation now. Some time elapsed as my wife passed away in XXXX and all the money operators knew she was getting dues from various sources. I needed time to recover and regroup when I noticed the discrepancy about a month ago. The new XXXX at BOA has given a copy of the endorsement of the back of check # XXXX that XXXX sent the check for collection. But I did not see the amount reflected in the annual return for XXXX or XXXX. Moreover, XXXX XXXX is lying to me saying I stopped payment on the check. Then saying the check was sent back to me XXXXUSPS both XXXX on XXXX different occasions. I didn't ever receive a returned check # XXXX. And it had hit the bank already as evidenced from the back of the check. BOA now knows I didn't stop payment because there is no record of a stop payment or no funds in the account. To date, the new XXXX has had no answer. I further recall I had a falling out with the old officials of BOA for not paying a bonus on one of the term deposit accounts in XXXX XXXX. The email exchange between the BOA officials and myself shows this is exactly the time check # XXXX vanished without giving me the benefit of the deposit which was made by XXXX XXXX. No photo copy of check # XXXX could be retrieved from anywhere.

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 2021-02-18
Company: EQUIFAX, INC.
State: NY
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 It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$580.00}, {$450.00}, {$15000.00}, {$0.00}, {$280.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I RECEIVED AN UNSOLICITED PROMOTION IN THE MAIL BY A CREDIT CARD COMPANY OFFERING TO CREDIT MY ACCOUNT {$150.00} IF I SPEND {$500.00} WITHIN 3 MONTHS OF OPENING THE ACCT. I FULFILLED MY OBLIGATION WITHIN 3 WEEKS. BUT NOW THE COMPANY IS TELLING ME I HAVE TO WAIT UP TO 6 WEEKS BEFORE I GET PAID. THEIR OFFER MADE NO MENTION OF THIS.

Company response to consumer: Closed with explanation