BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a letter last week, regarding a dispute I filed. The letter advised me to close my debit card and to call the number on the letter. When I called the CSR said that there was NO issue with my ca rd or account. I asked if I could read the letter to them, and I did. She repeated her first statement, t here is nothing wrong with the card or account and to disregard the letter. On XX/XX/20 I went online to check my account balance for a DD. I was unable to login. I called CS at Citi, the person said not hing was with my account and transferred me to the IT dept. They said that a hold was on my acco unt and that i needed to speak to the fraud department about my dispute. On XX/XX/20. I was on the phone with Citi for 2 1/2 hours and was transferred to 7 different departments, all departments gave me conflicting information. One CSR said they were reissuing me a debit card and that I should be able to go back online in 5 minutes, because she removed the block ( which was a lie ). The next CSR said they blocked my account because I attempted to add my debit card to XXXX XXXX. The last CSR I spoke with said there was a hold on my account and that it was being handled " behind the scenes '' and that I should go to a bank branch to withdraw cash. When I went to the bank the branch m anager made me wait in the lobby while she called someone. She came back and said that she doe s n't have any info and that they will send me a letter in mail. All of money is at that bank. I'm unable to get my Unemployment payment out and pay my bills, I've been out of work since COVID19. No employee at the bank has told me anything about when I could access my funds only that a letter would be sent out in 15 business days. I forgot to mention that everyone I spoke to over the phone wa s a " manager ''. I'm unclear as to why a bank can keep and money and not tell me why??

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 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I uploaded a letter to XXXX, XXXX and transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, transunion or XXXX doesn't have any files to verify this account, nor will they delete it.

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 2019-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
Unfamiliar things on credit report after selling XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 called couldnt verify USAA SAVINGS BANK Inquired on XX/XX/2019 no new inquiry made on account XXXX Inquired on XX/XX/2019 couldnt verify XXXX  Inquired on XX/XX/2019 no new inquiry on account XXXX XXXX Inquired on XX/XX/2019 called could not verify USAA SAVINGS BANK Inquired on XX/XX/2019 no new inquiry XXXX   CARD Inquired on XX/XX/2019 called couldnt verify

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
l C systems inc. bought an old incorrectly reported debt that I had removed from my credit report, ..the previous collection agency " XXXX XXXX '' inaccurately parked it on my report and I vigorously disputed this false charge and it was finally removed from my report. But now I C systems Inc changed the amount by {$1.00} and is trying to claim it as a new debt on my report! RE-AGING..

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 customer service would not help and take care of negative inquiries reporting to 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 2020-05-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account with CHASE BANK experienced fraudulent transactions totaling {$2100.00}. These withdrawals occurred for very small amounts at first then after 60 days very large amounts were taken. The transactions were through two XXXX accounts. I called both CHASE and XXXX and both organizations could not help me directly but I was told that the bank should open a dispute to work together with XXXX to retrieve my money. Since early XXXX I have been working diligently with both CHASE and XXXX on this, contacting both companies several times, with no results. The fraud on my account is a well known scam that should have been caught by my bank 's Fraud Department. 
A file is being attached to notate the charges in dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On numerous occasions, I attempted to have my fraud alert be removed via telephone due to the refinancing of my home. Here are the various dates and names of individual spoken XXXX assist with fraud removal. XX/XX/2020, supervisor XXXX states flag confirm # XXXX and fraud alert # XXXX both removed within 72 hours. On XX/XX/2020 called on same issue spoke with supervisor XXXX, whom stated my account locked could not assist. Thereafter stated there was a cliche in the system and as a result of the depart of consumer affairs fixed, the fraud alert and flag has been removed, so advise my lending institution to check my credit again for the third time in the month of XXXX. In addition, XXXX emailed it Supv to fix online account so I can personally take care of all flags and alerts myself for future. XXXX states, IT Supv will send email 7-10 business days from resolution. XX/XX/2020 spoke with supervisor XXXX whom advised fraud alert removed but flag still on account. XXXX again removed flag and gave me confirm # XXXX and advised it would take 72 hours to be removed. Personally asked to be transferred to Dept of consumer affairs and spoke with ms XXXX who alleged all alerts and flags removed and initiated a complaint for me. Complaint # XXXX given to me. Called XXXX to check status of on line account resolution due to 15 days gone with no email from IT Supv resolution, spoke with XXXX whom escalated the resolution of On line account still being locked out with no email resolution from IT Supv. Within 1 day, problem was finally resolved and able to access my online account. XXXX also filed a complaint for me and complaint number XXXX. I look forward to discussing this frustrating situation with someone so no other consumer will suffer like I did. Please call me at XXXX XXXX. Thank you for your support

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 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
We received an email on XX/XX/2020 from Bank of America that is a fund transfer notification through XXXX the amount of {$6900.00}. Since we never authorized the transfer, we called Bank of America XXXX in the morning ( we have call history ), and requested stop the transfer. The number we called is XXXX. The representative said that the transfer is on pending, so there is nothing that they can do, but said if it is fraud, then we will get total refund. So the representative reported that transfer is fraud on the day XX/XX/2020 with the claim number XXXX. After that day, the transfer was completed, and we're just waiting for the full refund for about 2 weeks. During the waiting, we checked the bank account again, and found one transfer attempt the amount of {$8600.00} which we never authorized was failed already. About 2 week later, however we did not get any refund, so we called Bank of America again many times. They kept saying the investigation would take about 45 days, and we will have total refund. After long waiting, on XX/XX/2020 we received a mail that said Bank of America will not give us any money back because the transaction was completed using a device that is consistent with previous valid account activity. Of course we called the bank again, they said if we need to open this case again, we have to prove that our computer was hacked. So, we looked up our computer log, and found something that looks like the computer hacked. We printed them all, and submitted to Bank of America email. Also, we went to a BOA branch, and handed some documents directly. Recently we called the bank again, however, they said they did not receive anything after they closed the case. We don't know what to do now. We spent a lot of time and energy to get the money back.

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 2020-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I uploaded a letter to Experian, XXXX and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian, XXXX or XXXX doesn't have any files to verify this account, nor will they delete it.

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 2020-07-06
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXX XXXX  which states my account is in derogatory status when that is incorrect. I entered a payment agreement with XXXX XXXX XXXX  when they sent my account to collections with MCM ( Midland Credit Management ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. I called Midland Credit Management at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX . It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: TX
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:
An account from XXXX XXXX XXXX is reporting on my credit report currently. This alleged debt is the result of an identity theft that apparently occurred quite some time ago. I have not ever opened an account with XXXX XXXX XXXX or XXXXXXXX XXXX XXXX  XXXX. I have disputed this debt and requested verification under Section 609 FCRA and although 90 days have elapsed the only item I have ever seen is an uploaded notice from XXXX  sent to an address that I have never lived at. Despite my claims and disputes XXXX, Equifax and XXXX  continue to allow this erroneous item to be reported to my credit bureau despite my plethora of requests to XXXX, Equifax and XXXX  notifying them that XXXX  is not complying with Section 609 FCRA. 

I am attaching a notice of a press release from the CFPB where they sued XXXX for the very same conduct they are currently engaging in regarding me. XXXX according to the lawsuit buys debt and is it able to provide documentation in the event of a dispute. Each of the credit reporting agencies have received notice of my dispute on at least three occasions but they continue to report the erroneous item on my credit file. This complaint will once again reiterate the fact that as of the submission of this complaint some 90 days after my first dispute and written notice to XXXX, Equifax and XXXX  that neither XXXX XXXX XXXX nor XXXX have complied with Section 609 FCRA which requires each of them to provide me with specific documentation pursuant to my complaint of identity theft ; which neither of them to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX # XXXX {$600.00} No contract with creditor you have already had this removed and it reapperared as same account under new name. 
Unauthorized inquiry XXXX XXXX V/S 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 explanation
Consumer complaint received 2018-09-23
Company: Experian Information Solutions Inc.
State: WA
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 have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.

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 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
On XX/XX/2019 Capital One Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to Capital One which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus XXXX and XXXX. These reported late payments should not be reported to my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: DISCOVER BANK
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Late Fee charges I was charged 10 late fee charges from XX/XX/XXXX to XX/XX/XXXX I believe all in error. I will attach the records that show that when i set up the account. Payments were to be set up after the XX/XX/XXXX. And the records shows that on the earlier dates there were payments on the XX/XX/XXXXwith no late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello this information doesn't belong to me I never had a XXXX XXXX or XXXX card. please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I contacted Transunion, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted 609 letter asking for this information to be validated and a letter sent out.

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 2018-10-03
Company: JH Portfolio Debt Equities, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX keeps trying to collect a debt that is past 7 years and trying deceptive tactics. Every time I get mail it's some new collection company trying to collect a debt not owed. 
I get a letter from XXXX XXXX XXXX on XX/XX/2018 and on XX/XX/2018 I get a letter from XXXX XXXX XXXX for the same debt. XXXX XXXX uses other companies as well as practices to reinstate a debt past the statue to collect on.

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 2019-02-26
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased the vehicle three years ago, I believed the stipulations on the loan were to high, so I tried to refinance through my Credit Union and I was told I would have to give them. {$3000.00}, because the car was not the worth the value I paid for it. I was unable to refinance it through anyone. 
Carmax is a RIP Off. 
Sincerely, XXXX

Company response to consumer: Closed with explanation