BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion has consistently reported an account as late. This account is not late. Ive disputed. I've sent in supporting documents. This is

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 2020-10-15
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:
The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

XXXX  said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

Experian never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.

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 2020-10-15
Company: EQUIFAX, 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:
The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

XXXX  said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

XXXX  never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: KEYCORP
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 at approximately XXXX at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXXI used thier XXXX  atm machine terminal # XXXX. 
I put my card into the mechine and requested {$400.00} asked me if I accept the {$3.00} terminal fee and I said yes.

The atm then approved the transaction at this time I put my card in my wallet and drop my phone on the floor havent tooken the money out the atm machine yet .At as I go to get the money the atm door shuts and takes the money and it goes back into the machine .I put my card back into the atm and tried to make another transaction to see if my money got stuck or what was goin on and it declined my transaction this time and saying I only had a Ballance of {$2.00}.

I requested to talk to store manager and she told me I have to contact the number on the atm ( XXXX ) I contacted XXXX  and they  told me the atm machine has a security feature that I'f you don't take the money out withen 10 seconds it goes back in .XXXX  also stated that the money did go back in and I did not receive it and I have to file a dispute with my bank or card company.

I have called the XXXX number XXXX and also the web sight. 
I have tried to call 13 times .watch time I call I am on the phone for over 2 and half hours and every time I get hung up on after waiting 2 to 3 hours on hold and never getting a response .I have lost my job due to not being able to pay my child 's daycare because the {$400.00} was taken from me. 
Please help..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Company: Winklevoss Exchange LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I transfer funds to Gemini cryptocurrency exchange from my brokerage account. Because of unreasonable restriction on trading ( they required me sending my photo with a handwritten note after they received the funds from my XXXX account ) I decided to pull my funds back where their software guided me to send my funds to the account from which wire was received. Apparently it is impossible to do this because money was sent from the brokerage account. I was not alerted to this and money bounced back with a {$50.00} administration fee. It was their software that provided me only option which was erroneous. Why I need to pay a fee for this? After this I sent them information about my bank account and directed them to send the funds to this account. They listed this account as a linked account however they make it impossible to transfer funds to my bank account. They do not responds to emails ( they just have a bot responses saying that their experts are working on responding ). I sent them multiple emails and did not get a response. They do not list any other ways that I can contact them. So from my end it looks like total scam. They hold my funds and block my access to the money I just transferred. 
I do not recommend anyone to trade on Gemini exchange. They have absolute ZERO customer support and their software is very primitive so if you make a minimal diversion from their prescribed limited mode of operation your funds will be stuck there forever and there is no-one to talk or email to. It looks like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a promotional offer on my Chase Freedom card for a total of 10 % cash back on hotels booked through Chase Travel in XX/XX/2019. The offer promises 10 % cash back on up to {$2500.00} of hotel purchases. The 10 % cash back includes the usual 1 % that the card offers on all purchases, plus a bonus 9 % back, for a total of 10 %. Screenshots of the offer and the fine print are attached. 

On XX/XX/2019 I booked a hotel through Chase Travel for  {$600.00}. This is the only purchase I have ever made through Chase Travel. I received the usual 1 % cash back on the purchase, but I did not receive the 9 % bonus cash back. Chase posted XXXX bonus points to my account, when they should have posted ( XXXX ) x ( 9 ) = XXXX bonus points. A screenshot of the bonus reward activity for my Chase Freedom card is attached. 

I spoke to four different Chase representatives by phone on XX/XX/2019, but none of them indicated that they could resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have tried fixing this issue with all three bureaus on this account because account status reports as close with a balance of {$2200.00}. they last reported along with date last active has been re-aged.Payment history is reporting data by XXXX and Equifax yet missing data on date of last payment. I have not received any documents stating that this account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. this account is reported as closed with a balance yet account is still reporting payments on the payment history not possible. I previously wrote to Bureaus asking to verify or delete immediately because account is reporting incorrectly. Theres no way that account can be closed and yet reporting payments on a dead account account is a total mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I live in a condo. I have own this condo for at least 15 years. The condo was in my corporation 's name which is XXXX. XXXX XXXX. I refinanced 4 years ago but had to take the condo out of the corporation 's name and put in my name. At the time that I refinanced I was not aware nor did Ditech tell me that I had to have insurance to cover the inside of my condo. XX/XX/2017 the entire building caught a fire and the fire marshall made all 24 famlies move out. I wrote Ditech and sent all necessary information concerning the fire in order to get a delay of payments. They denied that request. Since the fire I have been paying my mortgage even though I am paying rent for another location. In XX/XX/XXXX Dtech wrote me and ask for proof of insurance. I told them that My Condo Association have insurance and have agreed to replace the building including the insides. Apparently that answer was not sufficient. I tried getting insurance for the inside of the condo but the insurance company told me that I would have to wait until the building is rebuilt. Meanwhile Ditech added inside insurance for my unit. My question to you is how can they add insurance to a burn down building and I am not allowed to nor can i stay there? Isnt that illegal. The building is still vacant and boarded up per the city.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I have set up Discover to be a primary form of payment on my XXXX ( XXXX  ) account. According to the recent offer all XXXX transactions are pre-set to Discover as form of payment. However two transactions were not processed through Discover : XX/XX/2022 Payment to XXXX XXXX for {$450.00} XX/XX/2022 Payment to XXXX for {$100.00} The resulting loss of the bonus is {$27.00}. When I brought this issue to XXXX I was told that the Discover was responsible for not accepting these transactions so they went to the alternative form of payment : XXXX and the checking account. 
When I brought this issue to the Discover Card supervisor I was told that since these transactions do not show on its rejected transaction screen the issue is not their to address. She was not even interested in looking at the issue and even reviewing the data ( below ) since she told me she's neither authorized or equipped to deal with issue such as this. 
XXXX I find this way of thinking appalling. The DiscoverXXXX  offer has been a offered to me ( supposedly in good faith ) so it should be a responsibility of these two companies to address them instead of hanging the customer high and dry. I think Discover marketing should also get involved here as if for whatever reason the XXXX is a culprit why then it is lying to customers while automatically denying the benefit to the customers? 
Screenshots : 1 ) The XXXX account set to Discover as automatic payment. 
2 ) The XXXX transaction made to checking account instead 3 ) XXXX transaction made to XXXX instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.

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 2020-02-01
Company: Experian Information Solutions 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:
The closed accounts listed below are not my account/creditors, however its on my credit report. 
XXXX XXXX XXXX - Account number XXXX Amount {$1700.00} Date XX/XX/XXXX XXXX XXXX- Date XXXX XXXX ; Amount {$12000.00} XXXX XXXX-Date XXXX XXXX Account number XXXX ; Amount {$250.00} Bankruptcy- Account number XXXX, Date XXXX XXXX and XX/XX/XXXX Bankruptcy - Account number XXXX ; Date XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX- Date XX/XX/XXXX, XXXX Amount {$23000.00}

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 2019-03-21
Company: Financial Credit Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX XXXX , Inc. under the pretenses that I had a student loan that was deliquent with XXXX XXXX. The amount claimed was $ XXXX. The representative rattled off several of my current accounts, my email address, address, and then said that I couldn't escape from a student loan and after reading me my XXXX XXXX account number said they would start action. 

When I asked for more details I was badgered about avoiding my debt, trying to use tactics to change the subject, an insistence that I couldn't walk away from my student loans. 

I proceeded to dig more, called back and spoke to a supervisor XXXX XXXX. While not as aggressive or misleading about my the debt did say that if the opportunity arose the firm would look to bring action. 

The debt in question is from XXXX and went delinquent in XXXX. This is the second time in three years this group has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Paypal credit card from Synchrony Bank was fraudulently opened in my name. I learned of it when I had a note fromnthe post office that they had tried to send me a certified letter. I called them and found out a credit card was opened, maxed out and past due. I filed a fraudulent application claim, mailed back the fraud form they sent me and waited. I have just received in the mail 2 things, a letter stating they denied my claim and a new credit card. All the letter stated was that I had " benefitted from use of card/participated in the purchases ''. No other information or explanation. I never applied for or received this card.

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 2018-07-06
Company: CIS DIRECT LENDING
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested verification and validation to this alleged debt pursuant to 15 U.S. Code 1692 ( g ) of the Fair Debt Collection Practices Act.  complaint number XXXX I asked for wet ink signatures and by law i can ask for wet ink signatures to prove a legal and alleged claim to a debt. XXXX XXXX XXXX responded with " The copies sent to you will not be wet copies of the signatures as the originals are maintained by a document custodian as required by law. '' Required by what law i need the cited law on this because i have the right to request those document. I have a right to know who hold those original documents with my signature on them. XXXX XXXX XXXX  did not provide those documents because the original note was sold and traded for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: USI Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company apparently just got my file from their " client '' yesterday, however, they made up a lie and said that my boss 's cell phone and his " ex wife 's '' cell phone were both listed as being mine so they tried to reach them. They called them at XXXX XXXX and lied to me about contacting them. That is harassment. They called me 2 times, no messages left. I don't answer numbers that I don't know and I return calls that leave messages. They are harassing and the manager actually hung up the phone on me when I asked for his direct contact information in order to handle the harassment. I never gave them permission to contact anyone, therefore, they should not be contacting my boss on his personal cell phone at XXXX XXXX XXXX. My personal business is nobody else 's business, especially not my boss and his ex wife!! This is also a debt that is from XX/XX/2007 that is out of the statute of limitations and their contacting my boss and reveling that they are collecting a debt from me is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: GA
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 asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXX bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names 1. XXXX XXXX Account number : XXXX 2. XXXX Account number : XXXX 3. XXXX XXXX XXXX Account number : XXXX 4. XXXX XXXX Account number : XXXX 5. XXXX XXXX Account number : XXXX 6. XXXX XXXXXXXX Account number XXXX 7. XXXX XXXX Account number : XXXX 8. XXXX XXXX Account number : XXXX 9. XXXXXXXX XXXX XXXX Account number : XXXX 10. XXXX XXXX Account number : XXXX 11. XXXX Account number : XXXX 12.XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

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

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 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, My issue started when I opened a Checking Account via a promo offer through Bank of America. I had a credit card with BOFA before I opened the new Checking account, where I could make payments using a third party checking account ( ach debit ). The day I opened the BOFA checking, the third party account was instantly removed from my payment account options in my online banking/bill pay. This was extremely frustrating. Recently, I made a payment to my credit card without thinking that it was going to come from my BOFA account because I don't use that account for much. I keep a low balance in the checking as it is. I'm deeply concerned about the practices at BOFA where they don't allow their customers to use an external account to make payments. On top of this, the manager I spoke with ( XXXX XXXX at the call center refuted what I was saying when I told him that the account was removed. He didn't believe that the systems at BOFA would act that way. 

I simply believe to my core that this is a bigger issue than what it appears to be. Because of this issue, I was assessed an OD fee of {$35.00} to a checking account I barely use. To say this is frustrating wouldn't begin to describe how I feel about this scenario. Had my external account never been removed, we wouldn't be here. 

You can retrieve the calls from when I spoke with customer service ( Checking & Credit Card ).

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 2019-03-21
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Applied online with XXXX XXXX and Wells Fargo in order to do a balance transfer to my XXXX XXXX XXXX card. I incurred a large debt and I needed $ XXXX interest-free for 12-18 months and wanted it by XX/XX/19. XXXX XXXX came through and paid my XXXX XXXX XXXX. Wells Fargo on the other hand sent me a card in the mail with a {$7000.00} limit. This was not what I applied for. They sent {$6500.00} to XXXX XXXX XXXX which caused an overpayment since XXXX XXXX already paid off the card. I called XXXX and authorized them to return the money, which they promptly did. The check was deposited by Wells Fargo but never credited my account. Wells Fargo claims they dont the money and I have a bill from them for payment due on {$6500.00} which I dont have. Now I'm incurring late fees and possible negative credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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:
These are not my accounts. Please remove 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