BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: BARCLAYS BANK DELAWARE
State: NC
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 customer service

Complaint:
On XX/XX/2020 I was charged the annual fee for my Barclay Arrival+ credit card. In light of the COVID-19 situation, a premium/travel credit card does not make much sense to have, so I wanted to downgrade to a no-annual-fee version. This is not an uncommon request that Barclays grants, sometimes with a retention bonus for downgrading instead of closing. See references : - https : XXXX - https : XXXX - https : XXXX I have called customer service many times without being able to get past the hold queue. Call log as follows : XX/XX/2020 0.5 hours XX/XX/2020 1.75 hours XX/XX/2020 2.5 hours XX/XX/2020 1.25 hours XX/XX/20202.5 hours XX/XX/2020 2.0 hours XX/XX/2020 1.75 hours XX/XX/2020 3.75 hours Simultaneously, I also submitted my request using their online portal, but the reply indicate that they were unwilling or unable to perform my request through that route.

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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to view my free annual credit report yesterday XXXX XXXX, 2016 and was able to obtain XXXX and XXXX, however TransUnion redirected me to a page that gave a " four zero four - page not found '' error, and my browser indicated there might be fraud alert. I tried this twice and got the same result. 

I submitted a contact form via the Annual Credit Report website, however there is no way to confirm resolution. I would like a copy of my free annual credit report from TransUnion as well as confirmation that there is no fraudulent activity on my report. 

Thank you!

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 2022-03-28
Company: EQUIFAX, INC.
State: NY
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:
Noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Noticed a few accounts on my report I do not recognize

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 2015-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my collection to XXXX XXXX for the amount of {$180.00} and they told that already udpdate my credit to all the credit bureaus XXXX, XXXX, TUC but all XXXX agencies they still show in collection not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started a savings account on XX/XX/XXXX at KeyBank located at XXXX XXXX XXXX in XXXX, Maine XXXX. I deposited a {$15000.00} check drawn off another KeyBank account as the starting deposit on XX/XX/XXXX. I asked the clerk to verify funds were available from the deposited check and was assured the funds were available. When the new account was set up I was told only {$100.00} would be available for the 1st day and the remainder would be available the next business day. Today is 6 days later XX/XX/XXXX. I just left KeyBank only to be told my money is not available. The bank told me funds are on hold for 5 business days now. I only need {$2000.00} today and if I do not have funds to make my payment I am charged a {$99.00} late fee from my mortgage company and my payment is considered late. KeyBank made no consideration for this and continued to refuse to allow me access to my funds. I am very upset about this and would like some answers about this. This is a large bank holding my dollars and lets face it they make their money off loaning funds and charging interest. I feel they are holding my funds in a attempt to profit while I suffer the late fees due to them taking my funds hostage. I am requesting the Federal Reserve and FDIC as well as the CFPB audit KeyBank and their suspicious activities. After XXXX XXXX and others we need to police our banks to insure citizens can have trust in the banking system. I have reviewed other complaints on this bank and feel they may be in violation of overstating their deposits thus allowing this bank to extract more funds from the Federal Reserve by means of Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
AFTER ACKNOWLEDGING FRAUDULENT ACCOUNT RBFCU WAS ON MY REPORT THEY REINSERTED THE ACCOUNT WITHOUT INFORMING ME OF WHY AND MOST DISGUSTINGLY AND IN VIOLATION OF THE LAW HAVE BLOCKED MY ACCESS TO MY REPORT. I HAVE SENT CMRR 3 TIMES NOW MY SSN ID AND EVEN POLICE REPORT TO ABSOLUTELY NO AVAIL. THE BANK EVEN FOUND THAT THE ACCOUNT WAS FRAUDULENTLY OPENED AS WELL AS THE XXXX OTHER MAJOR CRAS. TRANSUNION CONTEMPT FOR THE RULE OF LAW IS TROUBLESOME AND EACH DAY IT REPORTS I SUFFER IRREPARABLE HARM

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 2022-08-30
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 Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an 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 2022-08-30
Company: PENTAGON FEDERAL CREDIT UNION
State: KY
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  account # XXXX, has violated my rights. 

15 U.A.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 explanation
Consumer complaint received 2015-04-23
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
central credit calls at least once a day asking for an employee who does not work here. They have been told repeatedly that he does not work here yet they call daily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am being blocked from accessing my usaa checking account after I reported my bank earlier this month to the fob for stealing a funds transfer, from an external bank into my usaa account. Several weeks after reporting to the cfpb, usaa blocked me from online and telephone access. They provided a number for me to call and they never picked up intentionally. They locked me out of my account after stealing my money. Here is proof attached. 
I have money in my account that I transferred in and when I swipe my debit card it does not work. They are blocking me from the money I transferred in and stole it and locked me out from accessing the account, Through the debit card online and by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I filed a dispute with Chime due to a car warranty contract I was paying for but didn't have the car in my possession because it was inoperable. Within 10 min after filing my complaint my dispute was denied stating no error occurred. At this point I had not even had a chance to upload any of my documentation. I requested to have the case reopened on XX/XX/XXXX as well as XX/XX/XXXX and submitted my tow and repair receipts along with the communication between myself and the company- which included my multiple requests for a refund. Each time my dispute was once again closed within an hour stating no error occurred. At this point I requested for the disputes team to submit documents to me to see why it was determined no error occurred. In return I got a blank sheet of paper stating no error occurred stating they were unable to reach merchant. I have attached this document to this complaint. I received the same document 3 separate times. The final straw was me escalating to a supervisor and having them submit the dispute again on a Saturday evening ( XX/XX/XXXX ). I received an email on Monday morning at XXXX saying the investigation was closed and no error occurred. However the merchant is closed on the weekends so how did the investigation be completed? I feel that my dispute is not being handled fairly due to the disputes representatives either lacking or have no knowledge of how a dispute works or of Reg E laws and guidelines. I have done research and see that there have been other customers from Chime that have had their claims closed within minutes or not thoroughly investigation at all and causing customers hardship. I am requesting an overhaul or thorough investigation to be completed on my dispute, along with a coaching and training opportunity with the Chime disputes and fraud team. I do not have confidence that my funds are or will be protected by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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 Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle mortgage had taken out XXXX today out of my escrow account stating for Hazard insurance. When they last paid my hazard insurance on XX/XX/2019 for XXXX the full balance. I thought maybe there paying this in increments? But the amount that was taken doesnt even make sense. I demand to know where you sent MY escrow money and why this was even done when we had just paid the full amount 4 moths ago! Are you attempting to place us in negative escrow balance again to raise our monthly payments like you have already done?! Our taxes are due soon and we wont have enough for them due to this!! Escrow fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Goodyear credit card issued by Citibank N.A.. I made a purchase of Goodyear tires from a Goodyear authorized service center on XXXX XXXX XXXX. Displayed prominently in the store, were advertisements for the Goodyear Credit Card mentioning 6 months no interest on purchases of {$250.00} or more. My purchase amount totaled {$740.00}, so I was very surprised to discover that interest had been charged to my account. The advertised terms of the promotion are as follows. Special Financing Plans 6 months no interest on purchases of {$250.00} or more. Interest will be charged to your account if the purchase amount is not paid in full within the qualifying number of months. Minimum payments required. Goodyear Credit Card Special Financing Terms & Conditions With credit approval for qualifying purchases made on the Goodyear Credit card at participating stores or on XXXX I contacted Citi on XXXX XXXX XXXX and explained what had happened. I was told that the promotion was not properly applied at time of purchase, and there was nothing that they could do to correct the issue. As I mentioned, advertisements for the no interest promotion are displayed prominently in the store. Similar ads are featured on the Goodyear website, as well as on the credit card statements I receive. There is no mention of a promo code in any of the marketing materials advertising the promotion. Therefore, I dont understand how the promotion would not have been applied when I made the purchase. As I mentioned, I purchased at least {$250.00} worth of Goodyear tires from a Goodyear authorized retail location. I have had this card for many years, and have never had an issue with promotions in the past. In addition to the call on XXXX XXXX, I have contacted Citibank two additional times using their online system. The first message was on XXXX XXXX and the second was on XXXX XXXX. I have yet to receive a response. I feel that Citibank is intentionally avoiding me in hopes that I will not take further action. The representative on the phone made it very clear that Citibank was unwilling to help. I find Citibank and Goodyears promotional marketing to be deceptive, and would appreciate any assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit was ran with someones elses social. with my demographics. they have access to my report. the company attempting to collect money from me sent the proof of the application and the credit report from transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This is for wrongful information on my credit report. This XXXX XXXX has no proof of my responsibility to agreeing any type of terms to them. I shown proof in the District Court where there held a wrongful debt against me. They had no report to collect from me. The Judge XXXX XXXX dismissed the case in XXXX XXXX and I was awarded not guilty. I have further records from the court proceeding if needed to prove this case against XXXX XXXX. I have been in great standing with my other creditors. I do n't know how to upload the court documents to prove my case on this matter. I am willing to find a way to send at a later date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Because the coronavirus has not worked for three weeks and has no desire to spend, I did not check the balance of the bank account. I accidentally found that the bank fined {$34.00} for an overdraft of {$8.00} again. I am very angry. The government departments have already said To postpone collection of these fees during this difficult period. But the banks still do so. This is against humanitarianism and illegal. Please exercise strict supervision on the banks and return the fines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: NV
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2016-08-07
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is once again trying to collect a debt that they claim I owe but will not validate. I have asked them for verification before and they did not provide anything.

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 2016-07-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} intro annual fee for the first year, then {$95.00}. After approximately two months of enrollment, I received a statement charging the annual fee for {$95.00}. I spoke with a representative who refused to waive the fee, so I requested a supervisor. The supervisor also refused and adamantly stated they can not reverse the fee. XXXX XXXX continues to offer similar XXXX cards with Chase bank and all of them have the {$0.00} intro annual fee for the first year, then the fee is charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation