BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 this isn't 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 im XXXX now.with no help.

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 2015-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an open and current mortgage with Chase Bank # XXXX. Chase is reporting the loan payments to XXXX but XXXX is surpressing the information and reporting the loan as Discharged in BK. This mortgage was reaffirmed in a Chapter XXXX BK discharged dated XXXX/XXXX/2013. Chase keeps referring to BK Law for Chapter XXXX and we keep providing documentation for Chapter XXXX, and the account should be open and current with all the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My Chase account being overdrawn when speaking to Chase, I have several tickets XXXX and I can also have a ticket # XXXX amongst other tickets. Please replace those overdraft fees and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
My credit account with Capital One has been restricted for some time, meaning I do n't have any available credit with them because I was late with a couple of payments at one point. Since then I have paid on time every month. I got my balance to {$170.00} as of XX/XX/XXXX. I received a bill statement yesterday showing they added a XXXX member fee. I contacted Capital One asked if they can waive the XXXX member fee as a courtesy, since I been paying them and have a restricted account with them. Again I 'm not able to use their credit card. I spoke with a customer service rep then a supervisor with the name XXXX. Supervisor XXXX said nothing she can do about it, I explained to XXXX that I called them last month explaining to them that I 'm currently unemployed and receiving unemployment from the state of California. Advice XXXX that I been paying them every month but that XXXX member fee is too much for me since I 'm on unemployment and have a restricted account. I explained to XXXX that if I had a active account with them I would understand the XXXX member fee. XXXX responded by stating that there is nothing she can do or anybody else. I asked for XXXX last name, she refused said they do n't give their last name. I asked if that is company policy, XXXX said yes. I advice XXXX that will be filing complaint, she said okay and ended call. Conversation took place on XX/XX/XXXX, at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
Company: WELLS FARGO & COMPANY
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The issue is with Wells Fargo and the use of the bank connected XXXX mobile transfer within their app. 

On XX/XX/XXXX and XXXX I made 2 transfers of money totaling {$500.00} and {$150.00} respectively. The only warnings of XXXX that WF provided is to make sure it is someone you know. I transfered the money to someone who is a mutual member of a XXXX group I follow, for a purchase we discussed in great detail including 16 emails. Once the 2 payments were sent the buyer deleted their XXXX account and no longer responded to emails.

I reached out to WF immediately for claims and they have refused to compensate in any ways claiming they are " with no error on our part ''. My issue was with the lack of warnings and protections that were not clearly communicated before transactions can be made. On WF  description of what is XXXX, words such as " secure '' appear and state that the service is operated and managed by WF when used through the WF app. 

On XX/XX/XXXX WF released an update across the platform creating more awareness and warnings for the lack of protection regarding the XXXX transfer service. The fact that WF knew there were issues with scams, that they didn't offer protection, and that the service did not properly display these concerns displays negligence on WF to protect its customers. WF should have preformed a hot fix or a temporary XXXX closure to secure or properly display warnings of transactions not being protected. 

On XX/XX/XXXX I received mail dated XX/XX/XXXX, declaring that WF would not offer to recoup any of the lost funds. ( see attached ) I have been a customer for over 5 years, and if WF can not properly assist they will lose my business. 

Claim numbers : {$500.00} : XXXX {$150.00} : 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 2020-03-05
Company: EQUIFAX, INC.
State: OH
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 went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pinnacle financial LLC has reported the same account of my transition report. Requesting {$720.00} instead of the {$360.00} that I owe. I feel that if I go further they will want all XXXX not the XXXX. 
Can you help me sort this situation? 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In XXXX 2016 my entire tax packed mailed by my CPA was stolen form the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. ( see copy enclosed ) I requested a 7 year Extended Fraud Alert from XXXX and they and XXXX place this on my credit report, and confirmed in writing. ( see copy enclosed ) Equifax has never responded in writing or via e-mail to my request for a 7 year Extended Fraud Alert. On XXXX XXXX, 2016 I sent a written affidavit requesting an Extended Fraud Alert to Equifax via Priority Mail. The mailing included a copy of my WY Photo Drivers License, Social Security Card, a Joint Banking Statement with my husband XXXX XXXX XXXX, and a completed Equifax Form requesting the 7 year Alert. ( See Copy of Receipt with Tracking Number ) Equifax never responded in writing or via mail once again to my dispute or request. On XXXX XXXX, 2016 my husband XXXX XXXX XXXX spoke with " Equfax, XXXX, XXXX ''. Equifax advised that only my husband received a Dispute Number XXXX, and because my information was included with his no action was taken by Equifax , or even an acknowledgement of my letter signed by me as a seperate individual. Equifax advised my husband they could see the scanned documents including my letter, photo id, social security number, etc. in file Number XXXX. Equifax advised my husband to have me call them direct, which I did on XXXX XXXX, 2016. I spoke with " Equifax , XXXX, Fraud Department '' on XXXX XXXX, 2016. She advised me I needed to send in a separate letter as Equifax would not respond to my dispute. Equifax advised me they have assigned Case Number XXXX to my dispute and they would only put a 90 day temporary Fraud Alert on my file. Equifax told me the IG US Postal Service Report was not a Police Report, and would not be excepted. I dispute the following with Equifax THEIR FAILURE TO WRITE OR EVEN RESPOND TO MY WRITTEN REQUEST FOR ASSISTANCE WITH PLACING A 7 YEAR FRAUD ALERT AS REQUESTED IN WRITING BY ME. I have a 7 year Extended Fraud Alert on the other XXXX major Credit Bureau 's XXXX & XXXX. I have submitted a Law Enforcement Report and Case Number to verify needed 7 year Extended Fraud Alert. Equifax has in their possession all information needed to comply with my request, and still is denying my written request. Please help me with Equifax Fraud Department as they are unresponsive to my request, and unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I went to Oportun Loans Store Location at their XXXX XXXX Store location In XXXX XXXX, Tx on XXXX XXXX to re apply for loan credit after I has paid off my remaining balance of {$220.00} on XX/XX/XXXX from the loan amount I has borrow on XX/XX/XXXX of the loan amount {$500.00}. And was told I can not re apply for any loan credit with Oportun Loans by loan representive after I had made all my monthly payments in full and paid off my total loan in full. And was told Oportun Loans donot offer Loan credit to XXXX people customer after they is had paid their total loan in full and was denide and chance to re apply for loan credit after I hath paid off my loan credit in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is from Jefferson Capital ; has been found unfair based on the Credit Repair Act and closed by its original creditor, XXXX. It is invalid and needs immediate removal unless detailed information is otherwise correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 this isn't 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 im XXXX  now.with no help.

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 2016-06-17
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a promotional offer for XXXX aadvantage miles if I opened up a CitiGold checking account and made {$1000.00} in debit card purchases and paid a bill with bill pay for two consecutive months. I opened the account online using promotion code XXXX. Even though it has been over 90 days since I met the requirements, I still have n't received my points! As you can see in the attachment I provided, Citi has even confirmed that I met all the requirements. They said I would receive the points by XXXX/XXXX/16, and they have n't deposited them into my aadvantage account yet. I think that Citi Bank has lied to me and pulled a bait-and-switch tactic. CFPB, please help me correct this problem.

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 2016-08-23
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, my name is XXXX XXXX. 
Back in XXXX XXXX I have received a paper promotion from Citibank ( Citigold checking account ) which offered XXXX XXXX when you meet certain criteria : 1. You currently must have Citibank / XXXX XXXX credit card ( I had it since XXXX XXXX and it 's still active ) 2. You must make XXXX or more bill payments within 2 consecutive months ( I made XXXX ) 3. It must be a first time Citigold account ( it is, never had XXXX before ) 4. Must spend $ XXXX or more within 3 months ( I spent {$1.00} in 30 days ) 5. Must apply before XXXX XXXX, XXXX ( I applied either XXXX XXXX or XXXX ) 6. Must have XXXX account ( I have XXXX, it 's still active XXXX ) Account was opened at the Citibank branch XXXX in XXXX, NY and the rep told me she sees that I 'm eligible for that promo. 
So they promise that 2 months after doing all that I should be able to see my XXXX which never happened. I started XXXX investigations and they keep saying that unless I show them that piece of spam they sent me in XXXX they wo n't help with miles. Branch manager couldnt do anything either. I see a lot of people have complained about it XXXX so you guys are my last hope. 
I have attached XXXX latest statements of my XXXX XXXX account where you can see there 's no XXXX bonus.

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 2015-07-25
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have recently been informed that there is negative information reported by CITIBANK, CALIFORNIA in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' on XXXX/XXXX/2015 ''. 
I am unaware of ever having an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' from this bank. I have several accounts including credit card accounts with CITIBANK that are in good standing and I 've banked with them over XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NJ
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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  XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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:
I have been to my local police department they gave me a Identity theft packet, been on phone with IRS, and trying to contact all of the three credit bureaus the only successful one was XXXX. XXXX  and Transunion have no live repsentative to answer the phone, they have about 10 different numbers but no one to answer the phone. They want you to mail a letter to them, my Identity has been stolen and I am trying to put a freeze, or fraud alert, and make some corrections on my account online preferrable which is quicker but there is no ling, and XXXX  was experiencig some difficulties. This is very important, nerve racking and no customer service to assist 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