BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX inquiries on my credit reports that I don't recognize. XXXX is recent, XX/XX/XXXX from XXXX XXXX XXXX. Another inquiry was, XXXX XXXX, from XXXX. I did not give authorization for these companies to receive my 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 2023-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Long story short, I deposited a cashier 's check for {$10000.00} into my 5/3rd checking account, which did have existing funds deposited and available prior to this deposit, on XX/XX/2023. I did so in person at the local branch and was told by the cashier that the funds would be available the next day. That should have been the first red flag because I've never heard of a hold being placed on a cashier 's check from a major national bank, but as a consumer you tend to believe what the bank agents tell you. Today is XX/XX/2023 and the funds are still not available to me, despite the fact I was specifically told, in writing ( boom ), that they would be available on this date in the morning by the bank 's representative. More so, the customer service, if you can call it that, has issued many reasons for there being a hold on the deposit, all which I have in writing and can't wait to submit. These include, " it's for my own protection to avoid overdraft fees '', " unable to verify the fund 's availability in the initial processing with the check issuer 's bank ''. I'd like to point out again that it is a cashier 's check from XXXX XXXX so the check issuer and the check issuer 's bank are one in the same. They even went as far to suggest that the check could be a fraud and the funds again have to be verified, hence the hold. When I asked why they couldn't simply call XXXX XXXX  since they have the check number, date issued, amount, and payees, they told me " customer service can not make phone calls ''. 

I'm just going to attach a bunch of screenshots that show everything in writing and prove that this was gross misconduct on behalf of 5/3rd bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: TN
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 account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a writing 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 antedate the report for XXXXXXXX XXXX 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has any reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 and saving account at Bank of America ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) on XX/XX/2023 and I deposited {$100.00}. 
On XX/XX/2023 I have issued a wire transfer of XXXX euro from my Italian bank account ( XXXXXXXX XXXX XXXX to my Bank of America checking account. 
On XX/XX/2023 I tried to access the banking center but I was not able to access. I called the customer service and all the support numbers but they told me to call back on Monday, XXXX when the offices would be open. 
On XX/XX/XXXX I called the customer service number of BofA and they told me that the bank had taken the decision to close my account giving me no explanations and that the expected closure date was the XX/XX/XXXX. The bank would have issued a check with all the money I had in the bank account and I would have had to call back on XX/XX/XXXX to get the tracking number of the check shipment. 
I called on XX/XX/XXXX and they told me that the closure date had moved to XX/XX/XXXX, then to XX/XX/XXXX and today the new account closure date is the XX/XX/XXXX. I even talked to a supervisor but the situation hasn't been solved yet. They keep moving the closure date and I am not able to get my money back until the account is closed.

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 2023-07-10
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 status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a mobile check deposit on XXXX XXXX and my acct says there could be a hold of 4 days on mobile check deposits. Well for some reason capital one wants to hold my funds for 7 days not even releasing the first {$200.00} or even a dime of it to me at all before then and I'm stranded in Hawaii with no ID no access to my credit cards or anyway to otherwise cash a check or even pickup money from family thru other means. 
I called the bank that the deposited check was drawn on ( XXXX ) they said the check is good nothing is wrong no stop pays no holds and they even released the funds to Capital One already ... .so why if they have my money do I still have to wait to access it ... .makes no sense at all! The funds are there and there is nomlk ger any " risk '' involved. 
I'm stranded and need to be able to access my money and need it ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
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. 

Account name : Child Support Enforcement # XXXX, Account name : XXXX # XXXX, Account name : 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 2023-04-14
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: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH EXPERIAN AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND THE BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2023-04-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a XXXX and a wire scam fraud was committed against me in XX/XX/2022. An investment scam fund was sent funds via a wire from my Chase bank account to the beneficiary bank which was XXXX XXXX located in Texas. 

In my previous correspondence to both banks on this issue my requests were denied. Chase bank and XXXXXXXX XXXX have not refunded the funds that were sent to fund a scam operation. I believe that it is the responsibility of the banks to monitor and flag suspicious transactions, especially those involving large amounts of money and unfamiliar recipients. 

Initially Chase Bank instructed me to contact the beneficiary bank which I did complete. 
I am making this claim to get my {$55000.00} returned to me. I just want my money returned, and I believe that both banks should take responsibility for ensuring my funds are recovered promptly to me. The process has been continuing for some time now and it has been very stressful and time consuming process, and I am hoping that this complaint will prompt both banks to take immediate action to resolve this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company calls my phone 7-8 times a day, Ive been attempting to satisfy the debt through their website to no avail.

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 2023-07-10
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$46000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD 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 2023-07-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: DC
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 opened a secured card with XXXX. Opening the card required a deposit. I paid an {$800.00} deposit which allowed for a secured credit card balance of {$800.00}. After reporting unrecognized charges, XXXX conducted XXXX investigation. XXXX decided to close the secured credit card account. XXXX never returned the {$800.00} deposit. XXXX reported XXXX late payments to Experian credit report however, payments were never late. The late payments XXXX is reporting were related to reversed temporary credits during the investigation. After they did not find in my favor and determined I was responsible for the fraudulent charges, reversing the temporary credit, XXXX claims resulted in late payments. Further, XXXX still refuses to return my {$800.00} deposit. The account has been closed for XXXX years.

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 2023-06-13
Company: FIRST HORIZON BANK
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXXXXXX XXXX 2021 i opened a HELOC account with IberiaBank. I was told our rate was % 3.00 for the first 120 months. My HELOC account agreement and disclosure clearly states the same. On page one the fourth paragraph states the minimum payment terms. I have tried on several occasions to rectify this with XXXX/First Horizon and they basically just ignore my request. 

I am requesting this be resolved to the fullest extent of the law. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I spoke with my VA medical rep XXXX about Carter- Young Inc a debt collection agency for XXXX XXXX XXXX XXXX. I informed XXXX that I have tried to resolves the matter for over a year with no avail. Carter- Young Inc refused to remove any and all information pertaining to this account claiming they needed permission from the XXXX XXXX XXXX XXXX remove or update any information. I stated to Carter - Young Inc, Do not call me anymore unless you can prove that the account has not been paid. I assure you that the VA has taken care of this matter, I spoke with the Accountant at XXXX XXXX XXXX to make sure they had everything they need to process this claim. Carter - Young continued to call me and harass me even after I explained everything. At this time XXXX stated she would make contact with Carter - Young to resolve this matter. XXXX and myself did a conference call with Carter - Young Inc Rep XXXX, she was given the same information that was previously provided from me at an earlier date. XXXX was able to locate the file and she was given numbers to call if the company had any issues with updating the claim. XXXX stated that she would send the information back to XXXX XXXX XXXX so it could be properly processed and updated. XXXX stated she would do the same and explained to XXXX how the process works, XXXX asked if anything else was need to let either one of us know. XXXX also explained to XXXX that the medical bills have been paid and she is not sure why they haven't updated their system, but they definitely need to do so as this issue is causing undue stress to the Veteran. I agreed with XXXX. To this day Carter -Young continues to place these accounts in collections : XX/XX/XXXX for XXXX usd and XX/XX/XXXX for XXXX usd giving a total amount of XXXX usd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my address. 

Also inquiries are reporting on my credit report that I dont recognize XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I applied online for a line of credit. Chase Card Services immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi. I had an identity theft on a Bank of America credit card. It was reported to them and they investigated. I received a letter in the mail saying I was not responsible for this debt and Bank of America would notify the credit bureaus. They also dont need a new card with a new credit card number obviously. Now, a few months later they are calling me saying I owe the debt and its back reporting on my credit reports. What is wrong with Bank of America and why do they use these sleazy illegal tactics. This needs to be removed

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

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 2023-02-13
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The company is PayPal. I received a 1099K with my name and address for an account that I did not set up. PayPal would not give me phone or email associated with account or general info about how or when it was set up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXXXXXX XXXX : {$560.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}

Company response to consumer: Closed with explanation