BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: FIRST NATIONAL BANK OF OMAHA
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/22 I made a payment of {$1900.00}. On XX/XX/22, that payment " cleared '' at FNBO. However, the funds were not released into my available balance. Now my available balance is " overdrawn '', showing that I am over my credit limit when I am very much not. The payment cleared my bank on XX/XX/22. 

This is the 4th time they have held my payment like this. On the 3rd time, after calling my bank to verify that the payment had cleared, they released my funds and stated that it shouldn't happen again. 

When I called last night when I saw that it was being held, I was told that if I called back today, they could contact my bank again and get things released. This afternoon, I called again and spoke with customer service. After being told numerous times that she would be getting a supervisor, she came back on the line and informed me that it's an unusual payment and would be held for 14 days. They " are unable to contact ( my ) bank, and ( I ) was misinformed last night. '' They would not do anything for me, refused to even try to work with me, and were quite rude. 

Large payments are not unusual for me. On XX/XX/22 I made a {$1000.00} payment that was not held. On XX/XX/22 I made a {$500.00} payment that was not held. On XX/XX/22 I made a {$500.00} payment. On XX/XX/22 I made a {$500.00} payment. That's {$2500.00} in payments just this month. Last month was over {$3000.00} in payments. Same for the month before. 

We use this card instead of our debit card for our bank account to accumulate rewards. This is not an unusual practice. I had forgotten to make a payment, so instead of doing XXXX smaller payments I decided to just make XXXX larger payment. Given my payment history, if I had simply made a {$1000.00} payment on the XXXX, then another on the XXXX when the XXXX had cleared, this wouldn't be an issue. But because I made it XXXX large payment, now it's an issue? Why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX DEPT OF EDUCATION/XXXX  Account # 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

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 2022-09-30
Company: Google Compare Credit Cards Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Tried fixing the issue multiple times with fraudulent Google pay, they have XXXX $ of mine on my balance and after authorization of who I am twice in a Day their attempting to say it's still not me and I won't be able to access my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-08-03
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, Uknown Inquiries are reporting on my Experian, XXXX, and XXXX reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

Experian : XXXX - XX/XX/XXXX XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX Bank - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 2022-09-30
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a XXXX Tool cart from this website using XXXX which withdrew the money from my Usbank checking acct {$93.00} was withdrawn on XX/XX/22. I never got an confirmation email from the website I purchased it from and I never recieved the item I purchased but I still had the website pulled up on my phone so tried contacting the website with no response on there end. So I looked on my XXXX to see where the money came out of and it came out as a transaction to a person XXXX XXXX which is not what I authorized I purchased a product. XXXX denied my claim after I provided them with the fraudulent website and referred me to my bank and said I should have buyer protection. I called Usbank was referred to XXXX XXXX XXXX I spoke with a lady who said she was going to send out paperwork for me to fill out and also informed me I only had XXXX days to submit the paperwork and that I could send my own note explaining what happened and faxed it. I called again several times I always got transferred to several different departments was told by a couple of people that my end was breaking up and they couldnt hear me so had to hang up and call back again to start the process all over again XXXX different times. I finally get a letter back from the bank stating that my claim was denied because it was determined that I authorized this transaction when I didnt. I thought I was purchasing a item from a sales website and the person set up the website to scam shoppers out of there money. I sent a link to the website I purchased from so the bank could see it is a fraudulent website and reimburse me the money I lost. Usbank is also making it very hard to talk to the correct person or department when I call to get this worked out. They advertise buyer protection but have not properly investigated my claim otherwise they would have ruled in my favor. XXXX was also quick to deny my claim saying I authorized it. I was scammed my money by a fraudulent website I did NOT authorize a payment to and individual it was supposed to be for the item on this website. I never knew websites like this existed. I do a lot of online and have only been scammed maybe XXXX other time but looked legitimate and than the person set up the payment as a friends and family payment to scam me out of my money and XXXX and Usbank are denying my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2017-09-26
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute a collection agency, Optimum Outcomes, for reporting inaccurate information on my credit reports. I have disputed this information by requesting debt validation and have not received a response. This collection agency is inaccurately reporting in the amounts of {$290.00} and {$440.00}. I have never heard of this company and I am for certain I do not owe this money. I want both of these accounts removed from my credit reports immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two fraud postal money orders was cashed but not by me of {$950.00} {$950.00} totaling {$1900.00} but bank manager took the money out of my account without me knowing and bad check fees of {$12.00} each but the made a mistake of not recognize the fraud so he in order to protect her he took my money it was reported to the postal service by me they were cashed XXXX funds was taken from my Acct. XXXX for this reason they are closing my Acct. As of XXXX the bank has filed many

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received the attached letter from Chase that says " to protect against potential fraud, we restricted your account and XXXX close it soon. '' I don't understand why Chase can not verify that I am me, and why their staff either don't follow SOPs, their SOPs are flawed, and/or both. 

Spoke with XXXX, a customer service agent, on XX/XX/2023. 

XXXX was nonresponsive when I asked what date the account was closed. 


She said the account was closed. 

XXXX put me on with XXXX, an Account Supervisor, who could also not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: AZ
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 divorced XXXX, sent all they requested several times. 6 years later they still will not change my name, I am done battling with them XXXX I discovered I was identity thefted since then I have disputed and sent documents and still have done nothing to correct my credit report. 4 years battling. They have ruined me. And I am homeless because if their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CARD Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a Debit Card from Card.com and XXXX on XX/XX/2022 and I did not request this card. I have attempted to contact them via phone call at a few different phone numbers I got off their websites after searching these companies. I have not called the phone number on the card or on the paper work that came with the card. I have been unable to talk to a person at either company. I believe that I may be a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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 am a real person a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous of times- listing incorrect accounts, reporting incorrect credit scores. Ive demanded these accounts to be remove directly and have already sent numerous disputes and they are still not removed. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts in the first place.

According to the law 15 USC 1681 the consumer reporting agencies exercise their great responsibility with fairness impartially and respect for consumers right to privacy. 

I demand the following accounts and inquiries to be removed from my credit report immediately. 

XXXX Partial acctXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Partial Acct # XXXX 
XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX ... 
XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase advertised that once I spend {$7500.00} with in 90 days of opening the card, I will get XXXX points equal to {$750.00}. I have fulfilled and spent more than {$7500.00} and now chase is saying they do not honor it because they are not posted before XX/XX/XXXX. I as a customer do not have control over when the merchant charges or chase posts the charge as I have a document proof that I made purchase on XX/XX/2022 which is well before the offer deadline of XX/XX/2022. 

I feel like these banks have cheated me in opening their card and made me spend all the money without offering their end of the bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: I.C. System, 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: Information belongs to someone else

Complaint:
Please note that on XX/XX/2022, I opened CFBP complaint # XXXX. On XX/XX/2022 I also sent certified mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX which was delivered XXXX  XX/XX/2022. I asked them for the following : 1. ) Evidence and authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter 2. ) Authorization of law for collection of information 3. ) Authorization of law to collect for this alleged debt 4. ) Send ALL of the dollowing evidence to do business or operate in the state of FL 5 ) Provide proof of the alleged debt including specifically the alleged contract or other documents bearing my WET signature.

Please note it is way beyond 15 days, almost one year yet they have continued to harass me via mail and have yet to furnish ALL I requested above therefore this matter should be permanently closed and all reporting to bureaus should be ceased. Failure to do so I will seek immediate legal action against you for continuing to report false and inaccurate information on my report. 
Please conduct yourself accordingly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2022 I received a message saying that my checking account balance was XXXX. I have a XXXX XXXX XXXX XXXX XXXX ) account which I checked and attached to that account was an Everyday checking account that I had not opened. I called Wells Fargo and reported the fraud. It took them about 4 weeks to resolve the issue and said that someone had opened the account online. In XX/XX/2022 I received the same message and checked again and found that Wells Fargo allowed someone to open a checking account again in my name linking it to the XXXX account. I again called Wells Fargo to report it and asked them to not allow any online changes to be made to my accounts. If a change is to be made to my accounts it will need to be done in a branch and person should show ID. Wells Fargo said that they could not do this. What an international bank can not protect its depositors from fraud on their accounts, thats ridiculous. I want Wells Fargo to put a stop to allowing people to opening any account and linking it to my account.

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 2023-04-09
Company: Rent Recovery Solutions
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a dispute via certified mail to XXXX in regards to the collector Rent Recovery Solutions and it was filed on XXXX including court documents for removal. XXXX removed the dispute from file without addressing the issue or results. This item should be removed it isnt owed the XXXX XXXX  XXXX owes me instead XXXX. This collection was filed fraudulently during litigation of the matter and the collector was informed via mail by several certified dispute letters and court documents that were sent Plz refer to complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Rent Recovery Solutions
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was submitted information and court documents involving Rent Recovery solutions fraudulent claim of debt owed to the XXXX at XXXX in the amount of {$7600.00}. When contacted on results of the dispute XXXX verified debt with collector even though the court documents and dispute letter provided to collector was certified mailed to them. XXXX then states I have to get a deletion letter from the collector to have it removed which I told them they are aware of everything and have also recieved certified mailed court documents and several dispute letters stating I dont owe this debt the XXXX at XXXX was in litigation with me over the matter and on XX/XX/2023 I was awarded XXXX that still hasnt been paid. Plz refer to complaints involved on matter XXXX also XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: MN
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 reviewed my Consumer Reports and noticed that I had at least seven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX CT XXXX XXXX ACCT # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation