BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: OPTUM BANK, INC.
State: VT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My employer 's payroll company required that my XXXX change from XXXX XXXX XXXX Optum Bank. I opened account and initiated a trustee to trustee transfer. Optum required identification verification. I missed the first email and then took too long getting info to them, they closed the account. Calls were made to find funds deposited into Optum account. XXXX deductions they received went back to XXXX XXXX and were included in my pay. Optum told me that transferred funds went back to account of origin. XXXX claims not to have received them. Optum claims not to have funds either. Last verified record of the money was check # XXXX for {$1600.00} from XXXX  to Optum sent XX/XX/2022. XXXX  sees that check was cashed on XX/XX/2022. The Optum account was closed on XX/XX/2022. No one admits to having record of that money since. I have made many phone calls over the last 7 months trying to find my savings and transfer it to my new, self-administered XXXX  with XXXX. I have hospital bills due and have not been able to access the money I saved. Please help! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Wells Fargo. ( XX/XX/XXXX ) I ended up changing my mind and closed it the same day due to their reputation that I didn't know of. My initial transfer to start the account was {$500.00}. They did not take the money until after I closed my account. ( XX/XX/XXXX ) I thought this was strange that they took my money after the account was closed so I called Wells Fargo and I told them about the transaction that took {$500.00} from me and at first they said dont worry a check will come in the mail. I call 2 to 3 weeks later with no check in the mail and they denied that it was them even though it says Wells Fargo took the money. Wells Fargo said that I needed to submit a dispute with my other bank XXXX which I did and XXXX did not side with me on the dispute. I even had a group phone call with a XXXX representative and a Wells Fargo representative and they both said that they agreed that the charge wasn't valid because that account was closed. Please help me {$500.00} is a lot of money for me in the holidays.

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 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had an active Kohls credit card for years. I have used it and typically pay the balance in full. Over the years I have missed payments because I forgot to pay before the deadline or missed the statement ( in my defense Kohls sends so many emails ). In the past I have paid a late fee or interest but nothing had ever been reported a credit agency. On XX/XX/XXXX, I made a purchase using my Kohls credit in the amount of {$1.00}. This was first recorded on the XXXX statement with a due date on XX/XX/XXXX. I did not see the statement and it was again reported on the XXXX statement with a due date on XX/XX/XXXX. I again did not see the statement. I received an email of a missed payment on XX/XX/XXXX and promptly paid the balance. 

At the beginning of XXXX I pulled a credit report and my scores dropped by almost XXXX points and upon inspection it was because Kohls reported a delinquent balance. I acknowledge the payment was delinquent. But, I am confused why they decided to report that one and not prior missed payments. This is not the first time I have been two months late, but its the first time the balance was so low that they were unable to charge the {$25.00} late fee or significant interest. I assumed that based on our course of business there would be no further issues. However, I was wrong because they couldnt extract more money from me. In my opinion that is a predatory practice. 

I called Kohls and attempt to resolve the issue. The customer service agents were limited in their ability to do anything other than submit a request. I received a letter in a couple of weeks but all it said was there were no errors. I still am trying to figure out why they report items inconsistently. I agree that accurate reporting is necessary under our credit system. However, transparency and information asymmetries are also huge issues. Creditors should not be able to inconsistently report delinquent payments during the course of a relationship. Kohls coerces people into using the their proprietary credit card to access coupons or discounts. Baits consumers by providing leniency when they can extract fees or interest but then slams users when they can not. There is no worse feeling than having your credit wrecked over {$1.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX XXXX. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from 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 non-monetary relief
Consumer complaint received 2023-08-09
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 was a victim of identity theft and accounts was applied for and opened with out my knowledge or consent. I am not liable fotr any debt that occurred or was created due to this fraudulent activity

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 2023-08-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-12
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:
Incorrect information on 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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX. Chase bank decided to restrict my account and close my bank account without notice or explanation. This was mine and my husband 's only bank account where we both receive direct deposits of our paychecks on XXXX. Well after contacting them about what would happen to out paychecks a supervisor informed me that since there was a restriction on my account I could wait until Tuesday XXXX and visit a local branch to withdrawl my funds from my account. Well I visited a branch today just as I was told and they refused to release my funds to me and told me I would now have to wait for a paper check in the mail once my account is officially closed on XX/XX/XXXX and still wait another XXXX days for the check to be delivered. I even explained that this was my only bank account and the only money I had to my name and they still refused. I have not made any fraudulent deposits or anything like that and they are also refusing to give me a valid reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX I closed Discover credit card ending in XXXX because they approved a payment to a company that used an old discover card number that I did no longer wished to do business with. 
I had told Discover to close that old credit card and make sure no one gets paid form that old credit card number. 
I trusted Discover, but they ignored my request, and went ahead and paid the vendor who I did not wish to continue having involvement with. 
It is because of that, that I refuse to do business with discover. 

In XX/XX/XXXX, Discover had an overpayment of {$260.00} from me. I asked them to refund me, and whatever payments they ahd that were outstanding, that the vendors and I will have to sort that out. Today, at XXXX : XXXX XXXX XX/XX/XXXX, I called DIscover asking why they had not refunded me {$260.00} that was overpaid. They said that since I " CLOSED '' the account, they honored a {$25.00} dispute I had with XXXX XXXX 's because they " DETERMINED THE CHARGE WAS OK> Please have discoer shoW me the signed payment, for if it is not signed, I refuse to honor it, AND THEY must refund me. 

If one changes the credit card number so that vendors do not continue accessing one 's credit card, it is my decision if I want to pay such a vendor or not. If I wish to pay the vendor, I will give them my new credit card number to continue the relationship. I deliberately " lost '' the credit card in order to assure that the vendor will not pay a vendor one does not wish to. It is not Discover 's authority to use my . This is why they must be denounced for illegal business practices. 

They said that they also honored a {$95.00} payment for XXXX. That is also wrong because I have a new arrangement with XXXX, so why did they pay when I told them to close my account? 
SO, I denounce discover for theft, and they owe me {$260.00}. 
Until I get that $ refunded, I keep my claim of theft against Discover for stealing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: National Credit Adjusters, LLC
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: Their investigation did not fix an error on your report

Complaint:
Collection account - disputed it, it was removed XX/XX/XXXX and was immediately placed back on without proper verification, I disputed several times and asked for an original document with my original signature showing i agreed to do business with this agency and none has been provided after 3 disputes, this has affected my creditworthiness and score and caused me to lose financing and pay higher interest rates. 
it has been removed from the other credit bureaus * the credit bureaus are required to report only 100 % accurate information and to maintain an original document of any account they are reporting. they have violated FCRA and the creditor has verified it as accurate electronically each time it was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/2019, I received a phone call from 'CCC ' ( Continental Credit Control ) regarding a debt to collect from a medical bill which is currently being reviewed and processed by the Department of Labor Worker 's Compensation. This medical bill was due to a work-related injury while performing duty as a XXXX XXXX  XXXX  with the XXXX  XXXX XXXX XXXX. 

The medical bill is already being sent for collection in which I should not receive the medical expenses since it is covered by the federal agency. I have never received a notifcation to pay or an inquiry to collect from the original creditor. This is an unfair debt collection by the original creditor and debt collection agency who use unfair communication tactics by threatening the member if the debt is not paid.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Charge-off is considered a certificate of indebtness so it's now income and income can not be reporting to my report as you can see with my XXXX account XXXX is reporting as a charge off. According to 15 USC 1681b permissible purpose of consumer reports I didn't give these agencies written consent to add any inquires to my consumer report I did not give this authorization that is a violation of the Fair Credit Reporting Act. So all inquires need to be remove. Any it's illegal to report transaction. 15 USC 1681s-2 ( A ) ( 1 ) states " 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. As you can see each account has inaccurate information and each account need to be deleted from my credit report. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of the title. XXXX, Experian, and XXXX are not maintaining reasonable procedures.

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 2023-08-09
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: OR
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:
My ex husband and I were talked into filing a Chapter XXXX Bankruptcy jointly, knowing we were divorcing. The debt belonged to my exhusband, I didnt even owe XXXX. 

I need this public Chapter XXXX removed from my account for several reasons. 
1. The bankruptcy reporting on all credit bureaus for the Bankruptcy is wrong 2. The courts said that the credit bureaus could remove it from my credit report, as did the bankruptcy lawyers.

3. I asked for the validation from the courts, and they didnt verify.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The accounts that were included on the discharged bankruptcy XX/XX/2020 are just appeared back on my credit as new delinquency.

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 2023-10-03
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Recieved a letter ( dated XX/XX/2023 ) from Umpqua Bank that my loan was being transfered effective XX/XX/2023. With information of the new servicer and that Umpqua Bank will no longer be accepting my payments from me after XX/XX/2023. However I also recieved a morgage Statement indicating that I was to make my next mortgage payment by XX/XX/2023. 

Here it is XX/XX/2023 and I am unable to make a payment using Umpqua 's online payment site. And the new servicer " XXXX XXXX '' doesn't appear to be able to find my loan number indicated in the letter from umpqua bank that I had recieved on XX/XX/XXXX. 

I am past due on the payment, as i am unable to pay either Umpqua or this new servicer " XXXX XXXX '' and I'm sorry That sounds like a fake outfit if I have evern heard of one. 

Thank you for your time.

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 2023-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had checked my checking account and saw there was XXXX Dollars spent on my account that was not me and I told them all the purchases that were not me and they refunded me XXXX only and took it back out of my account a couple weeks later which took the rest of my money it has been XXXX years and Ive called everywhere and nobody seems to be able to help me I have proof the XXXX XXXX from the purchases that added up to XXXX and it said that it was in XXXX I showed them that and they still would not give me a full refund please help I havent been able to have a bank account in 2 years they closed my account because it was in the negative and I had no money to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

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