BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
In XXXX  my car with all personal belongings including credit card, debit card, and phone were stolen. Charges were racked up. I made a dispute that was later denied after supplying FTC id theft reports and police reports concerning the matter. The company refuses to honor my fraud claim, and have not gave me a detailed explanation in how they verified the information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: NAVY FEDERAL CREDIT UNION
State: IN
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:
A fraudulent {$9300.00} dollar purchase was made by a merchant named XXXX XXXX in XXXX XXXX  IL on the date of XX/XX/2023. I filled a claim through my navy federal account stating that my debt card had been lost and was not in my possession during the transaction period I had no knowledge nor notification about the purchase. With a purchase that large there should have been some type of verification from the purchase such as i.d . or pin number requirements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Without notice Bank of America closed my business account on XX/XX/12, with no explanation, talked to multiple associates to no avail. They cant tell me why they closed it and tell me its closing on XX/XX/XXXX, even after that it will take 7- 10 days to receive a check. It is detrimental to my livelihood and my business to wait 5 weeks to receive my money. I am baffled they can not give me any reason as to why it was closed and why its closing XX/XX/XXXX and can't even touch it until then.

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 2023-06-14
Company: JPMORGAN CHASE & CO.
State: WI
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:
currently there is XXXX XXXX dollars give or take on my credit card business ink through Chase Business. I have called at least 20 times into resolving the matter. I kept getting transferred, line would go dead, I would be put on hold for very long time, I could not understand what the person on the other end was staying to me due to a language barrier. 

I been trying to dispute the ENTIRE Current balance on my chase BUSINESS credit card since I did not approve of the purchases on there. I submitted a receipt to the fraud department stating the purchases were not me since I had lost my credit card and had lost my phone. I submitted the documents to them back in XXXX for the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
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:
i have closed this account with talking to company and settled. but its still showing i am owing amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: RFNA, LP
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor, Republic Finance, has violated my rights under section 15 USC 1681 Section 602, I have the right to privacy. 15 USC 1681 Section 604A section 2 also state a consumer reporting agency can not furnish an account without my written instructions. 15 USC Section 1666B states a creditor may not treat a payment under an open consumer account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent myself a XXXX from a XXXX account on which I am an authorized user on. The XXXX has been on hold for 15 days and Bank of America refuses to release it. At first, they accused me of fraud and then after 2 hours and 5 different reps in all different departments they asked me to call XXXX bank. XXXX bank told me the money has been sent the transaction has fully posted in the XXXX account, they no longer have the funds. XXXX offered to call bank of America and explain it to them but the bank of America employees refused to speak to the XXXX  employees. I have been a bank of america customer for 10 years and pay over XXXX a year in interest payments. I am shocked they are treating me like a fraudster for only {$300.00} XX/XX/XXXX sent XXXX from XXXX to Bank of America XXXX fully sent and posted money Bank of America had a XXXX glitch on on XX/XX/XXXX and promised they would fix the account. 
On XX/XX/XXXX bank of america is still holding my {$300.00}.

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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: NJ
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 have a Chase card and accumulated reward points. I spent these points in XXXX ( I can't get a better date because Chase changed its website to where you can not see purchase history ). I purchased 2 XXXX gift cards in the amount of XXXX, XXXX in total, and an XXXX gift card in the amount of XXXX, redeeming XXXX points. 

When my reward card from another credit card arrived, after I placed the above order, I called Chase customer service in mid to late XXXX. The man filed a complaint for me. I called back several days later and a woman said to give them 7 days. I called after 10 or so and asked to speak to a supervisor. the supervisor elevated the case, whatever that meant and could not give me an ETA of my cards. I feel like this is a scam and should be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being. I have the rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Accounts 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 2023-06-26
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Through affirm order product from XXXX  on XX/XX/XXXX ask to cancel they didnt did get back to me so now they have my money I have no product would like this cancel and money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am writing to express my deep concern regarding the inaccurate information that has been reported on my consumer credit report. It has come to my attention that your agency has failed to maintain accurate records, which has had a detrimental impact on my financial standing. 

I have recently reviewed my credit report, obtained from your agency, and discovered several discrepancies that are grossly misleading and damaging to my creditworthiness. 


These inaccuracies in my credit report have had severe repercussions on my financial well-being. They have caused me to be denied credit opportunities, subjected me to higher interest rates, and hindered my ability to secure affordable housing and obtain favorable employment. Furthermore, I have diligently maintained a responsible financial track record, making timely payments and keeping my credit utilization low. Therefore, it is particularly distressing to find such erroneous information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure the accuracy of the information they report. Section 611 of the FCRA grants me the right to dispute inaccurate information on my credit report and provides you with a duty to conduct a reasonable investigation into the matter. It is clear that your agency has not met this obligation.

The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit reporting agencies, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for.

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-06-29
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 have checked my report and saw accounts appearing that I am not aware where it came from. I have filed an Identity Theft complaint attached to this complaint. Below are the accounts apearing. 

XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: Minto Financial dba Minto Money
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Please note this company is violating the law and operating illegally. They have broken the following laws mentioned below : 2C:21-19 Wrongful credit practices and related offenses.

17:15A-47 Prohibitions for licensees. 

As a New Jersey resident, these laws need to be followed. This company is unlicensed to operate in Alaska and NJ. They are also operating as an illegal rent a tribe company which is a common scheme amongst tribal loan companies. In New Jersey, the 30 % usury limit is well within an affordable range for most consumers, making the traditional payday lending trap illegal. MINTO MONEYS loan agreement is unenforceable in state courts, including New Jerseys. They need a specific lending license to operate in each state, and this tribal lender doesnt have a license to operate in the state of NJ. As a result, they cant sue me in a court that has any authority to garnish my wages or force me to pay. MINTO MONEY is illegally charging me 701.59 % in interest which I did not agree to. The max cap is 30 % which they did not abide by. 

NJ enforces the statutes that protect consumers against predatory lenders. The New Jersey payday loan / tribal loan laws are much more restrictive than the regulations in other parts of the country. Theyre one of only 16 states that have banned the practice outright via reasonable rate caps. Fortunately, there are laws aimed at protecting borrowers against loan sharks and other predatory lenders. 

These laws cap interest rates, ban discriminatory practices, and even outlaw some types of lending. New Jersey notes that tribal lenders are not exempt from state laws relative to lending including rate caps and that any exemption for tribal sovereignty only governs loans issued on tribal land, rather than loans issued over the internet. They take advantage of people like me in desperation for financial assistance. 

I also never gave them authorization to take debit card payments from my account or ACH. I would call in the payments and they proceeded to charge my debit card without my consent. 


Link to MINTO LOAN class action lawsuit : XXXX XXXX XXXX  The faux tribal payday lending model has always been based on the mistaken belief that payday lenders could evade state laws by hiding behind Native American tribes. The Supreme Court has long made clear that tribes must obey state law when they operate off reservation, and that is true of online tribal payday lenders as well. This decision follows the path laid out by the Supreme Court in a 2014 decision showing how to enforce state law against purportedly tribal entities. 


There is a class action suit against them for A. not being licensed in AK, B. not being licensed ANYWHERE, and C. lying about even being affiliated with a tribe. They should be ashamed of themselves for lying and stealing from desperate people who need money to make ends meet.

Company response to consumer: Closed with explanation