BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been having problems with Card Services- Dispute Resolutions XXXX XXXX XXXX, XXXX GA XXXX starting XXXX of this year with incorrect information not updating personal information restricting my access to my accounts via debit card unable to provide any resolution also identity theft unauthorized transactions including no security measures in place also replacement of debit cards that were not received sent to different addresses including unable to forward mail labeled undeliverable I would like a thorough investigation into these card service and woul like to file an extensive complaint. Also including rerouting of mail including mail fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was told by the credit bureaus to send in the proper paperwork to get the accounts removed. I sent the paperwork 6 months ago and still no update

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 2023-04-25
Company: Experian Information Solutions Inc.
State: AZ
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2019-10-02
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a previous issue with my checking account which i have resolved by obtaining a different checking account with a new bank however because I have had too many NSF checks because of the previous bank I was with Santander Consumer USA will not allow me to either make payments online or send a check to them as they will not accept them and they expect that I now either call in and pay with my debit and pay an outrageous fee on top of the ridiculous interest I already pay them or they expect me to use XXXX XXXX or XXXX XXXX  which costs even more in fees to pay my bill.. What I am seeking is for them to accept check from the new banking institution that I am with and allow me to use the free pay options that they offer to other consumers. I feel as though I am being held hostage and being discriminated against because I don't have the same options to pay my bill with no fee that every other customer has. I want the ability to either send a check to them and have them accept it or to be able to pay online. I cant even pay the lower fee of paying with a debit card online as they have that locked too. I don't have the time to be calling them every month and speaking with them is very stressful because I don't get consistent information with my questions. They are the worst financial institution I have ever had to deal with. Hopefully the CFPB can help restore my opportunity to be treated as an equal consumer amoungst my peers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up concerning case # XXXX. Current complaint # XXXX, In XX/XX/2018 case # XXXX. 
This time under the name Midland Funding LLC. Sued me on XX/XX/2018. After CFPB got involved Midland apologized. 

Case XXXX after CFPB Midland agree and agree that my address was going to be put in do not Mail As you can see they sue me on 3 different time for the same for the same debt. They use different names But is the same company. 

They are not living to their commitment to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXXXXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I started XX/XX/2023 I have called I have mailed letters to transunion asking them to take the things off of my report that is fraudulent, which is the inquiries on my report they have yet to do that. Also in the last case they stated the US BANKRUPTCY COURT provided them information about my filings and that is False. I have sent transunion a copy of the bankruptcy court letter, and I will upload my letter to this claim. I have filed a police report i I also sent a copy to transunion and I will upload it to this claim. Transunion have violated my rights as a consumer. And when I call to talk with someone they get really aggressive with me, mainly the supervisors. All I want is whats right! The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) if i dont get the right resolution after this claim I would like the CFPB to help me file a lawsuit against Transunion and Against anyone that has violated my rights!! I have followed every procedure transunion has asked me to do but they have not been following the laws.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 got my credit ran today XX/XX/2020 because I am in the process of refinancing my car, however, I was told that I would be unable to refinance right now because there is an account from XXXX XXXX XXXX in negative standing appearing on my credit report. I did not open this account nor did I allow anyone to open this account in my name using my personal information. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payment towards this account. I have done everything I can to get this incorrect information off of my credit report such as notifying the company that's reporting this account as well as filing a police 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 2021-11-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TCF bank was converted to Huntington bank. I closed my account in XX/XX/2021 and since then I have not received my fund. Its been around XXXX months and no clear response or plan. I have called them multiple times ( more than XXXX  times ) and visited branch also. Branch manager also wrote an email to their internal department and still no response. Very poor customer service and I have wasted my multiple hours in pure mental agony in this matter without any solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Shellpoint Partners, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute request, to have information on my report updated, due to my divorce, I sent them my divorce decree, that CLEARLY states, that I am no longer responsible for the mortgage and Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the mortgage company with the same documents and information, I have also attempted to get the mortgage company to transfer the mortgage over into my ex-wife name or assumption of Loan. this debt should be removed from my credit report, since the home has been taken from me and I am no longer living in the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: National Credit Services, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I would like to why i have 3 different loans one of are close and there's two are the same and they did not send me a letter that they where taking my whole refund and i dont have {$17000.00} dollars to pay them back so how can i get rid of these loans for good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 I wrote my check # XXXX to XXXX in the amount of {$4200.00} and check # XXXX in the amount of {$2100.00} to XXXX XXXX. Both checks were stolen out of a mailbox in front of the US Post Office on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As soon as I found out I reported to the police. 

The XXXX check was cashed and paid by Chase Bank on XX/XX/22 even though it had no endorsement on the back. 

The XXXX XXXX check was cashed and paid by Chase Bank on XX/XX/22 and endorsed by XXXX XXXX ( who is obviously NOT XXXX XXXX. ) As soon as I realized that XXXX and XXXX had not received my payments I immediately went to the Chase Branch at XXXX XXXX XXXX to report it. 

I have completed the same paperwork for the Chase Fraud division 3 times and so far I have not seen a XXXX of the {$6400.00} which was fraudulently paid by Chase to imposters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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:
I am a victim of identity theft.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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 trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}

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 2023-11-19
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an Amex Gift Card from work. When I tried to use it online to get food, it wouldnt work, so I called the company to check why, and they couldnt even find my card ( which I was actively looking at the balance of, that being {$150.00} USD ). After calling them multiple times, and multiple times getting disconnected, I finally got on the phone with an actual person, who disconnected me and led me back to exactly where I was before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my XXXX accounts were compromised. They gained access to all of my stored passwords which included my bank account credentials. They used these credentials to gain access to my online account to make purchases totaling just under {$80.00}. These were caught by Chase as fraudulent and my debit card was then deactivated. I spoke with Chase and explained the situation. Within the week, on XX/XX/XXXX they had refunded the full amount to the account. On XX/XX/XXXX, the funds were taken from the account by Chase as they discovered the charges were made from my personal card, using my phone registered with the bank mobile application. I explained to them that these transactions were fraudulent again and they claimed that I had made these purchases since it was coming from my phone and my account. I explained that my accounts were compromised and anyone could have had access to these accounts. I also explained that the location, XXXX and XXXX, was listed as last login points from when my accounts were compromised and the people responsible for compromising my accounts were making purchases on XXXX   websites.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX Citibank Costco XXXX card generated 2 fraud charges. Citi disputed both PLUS XXXX prior charges on my account. Customer service referred me to the fraud dept. who admitted it was Citi 's problem but became unresponsive after several calls. Finally, I was referred to Executive Response Team ( ERT ). After several agents failed to address, I finally got one who took up to XX/XX/XXXX to clean up the account. I was told I didn't need to pay balances due to the confusion over actual amounts owed until the cleanup was complete. Interest and fees were waived at this point. Citi even compensated me for some time spent ( not nearly enough ) knowing they made the problem. Citi then over corrected for the disputed charges and I had to point out the math for that and they agreed to my number. After being advised all fixes were made, as agreed with my ERT rep, I paid all balances legitimately due on time as I have always done for years. Thinking all was good, the next bill came in with about a {$300.00} interest charge for the last month of cleanups. I disputed this with the ERT rep and she said she could not make further adjustments and I needed to pay it. I wrote a letter to Citi 's CEO but it was just referred back to the same ERT group who refused to discuss this matter further with me. I plan to go to small claims court if I can not get this resolved through this process.

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 2018-08-14
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested investigation of 2 bankruptcy records listed on my credit file with the 3 credit reporting agencies. XXXX  and XXXX returned that they verified the information with a third party, XXXX XXXX. I received no response from TransUnion. XXXX XXXX has affirmed, with the attached letter that the 2 bankruptcy " records have been removed ''. The CRA 's are in violation of the FCRA and have lied about conducting the re-investigation and must remove the 2 bankruptcy records attached to my credit file

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 2023-11-16
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I logged in to the web portal to turn off the Auto Pay feature for my payment due on XX/XX/XXXX. There is not an option to turn this off, so I called the Customer service line to learn that I had to turn this off 3 days ago in order for the payment not to go through. It does not state this on the website, and when making a manual payment, it literally forces the consumer to set up AutoPay. The entire payment structure of this company and their practices should be reviewed for potential UDAP violations.

Company response to consumer: Closed with explanation