BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am from XXXX and I own XXXX XXXX XXXX A person texted me from a us phone number saying they will come to XXXX for vacations and that they are interested in renting the cabins. He made a deposit on my US bank account for more money than i asked to, so he asked me to transfer the difference back. My account got blocked so I called us bank to ask the reason and they said it was because im not used to getting those amounts but that everything was ok and that I have the full amount in my account. The deposit was from what you can tell on Us bank app, in cash since it was fully available from the very biginning and did not say it was a pending check. My account was available again on monday XX/XX/XXXX and I made the XXXX transfer since us bank told me the money was on my account. Later that day another us phone number texts me asking for the same thing, then I assume there was something wrong so i called us bank telling the situation. They could not even tell me if it was cash or a check and after hours of being on the phone they tell me it was a check. Later that day I called again to Us bank asking how can Us bank accredit the full amount of a check in my account if the check is not even veryfied yet, and the fraud department tells me they looked up the check with the supervisor and told me i had nothing to worry about, that the check was verifyed and the money was on my account. Today I wake up and that money is gone, I called the fraud department and again after hours of calling they told me that YES it was a mistake on their part because the person that received the check at the US bank branch didnt do the right verification on the check and they just put the full amount available on my account, and said there is nothing they can do about it. I was like how can you tell me is your mistake and that because of that i lost XXXX and there is nothing you can do about it. They said " sorry, it was a busy day probably '' like if that makes it ok I lost my money.i would never transfer money back If I know it was a check and pending from approval, but US bank told me everything was ok, and all the sudden they took that money away from 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 explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: LA
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:
Over the past year I have been sending letters and calling XXXX, XXXX, and Experian about inaccurate information that is being reported in my credit file that is re-aging the account. I have asked them to send me their method of verification after sending me letters saying " verified as accurate '' all they do is send me the same paperwork over and over saying it was " verified as accurate ''. I called Experian on XX/XX/XXXX the Rep said that the account has been removed. I called back on XX/XX/XXXX and spoke to XXXX to ask for proof of removal to be mailed to me and she stated that " the account is still in my credit file ''. She told me my only option was to call XXXXXXXX XXXX every month and ask them to close the account. I explain to her that this account has been in charged-off since XXXX but the company keep reporting it as " open '' and " closed '' at least twice a month making the account appear new. I have sent in proof that the date of last delinquency was inaccurate across the credit bureaus how could they be verifying if they all have different information? On some months XXXXXXXX XXXX reports that my payments are on time and some months they change it to report that I am 65 months past due and some months I am 40 days late. There is no way that these credit bureaus are verifying inaccuracies. This account is almost 8 years old but it is being allowed to be illegally re-aged because the credit bureaus are not doing what they're supposed to.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I've contacted both Transunion and the company below regarding reporting Inquiries that I DID NOT AUTHORIZE. Transunion stated that I should reach out to the company which I did one company rep from XXXX XXXX XXXX ( Inquiry : XXXX. XXXXXXXX XXXX  ) stated that they didn't see any of my information regarding an inquiry and XXXXXXXX XXXX XXXX  ( Inquiry : XXXX. XXXX XXXX ) has no direct number to speak to someone using the number provided by Transunion. Ive tried numerous time to dispute the item and its coming back verified but I'm unable to get it verified when I'm calling the company and transunion to verify it myself which leaves me to believe that they aren't being properly verified. these inquiries are causing a major impact to my credit score and I will like them removed from my report Immediately

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 2023-12-07
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Submitted my monthly payment with the XXXX XXXX XXXX in each amount of {$600.00} Dollars. 

Submitted XX/XX/2023 payment on XX/XX/2023 and it is still pending action. 

Submitted XX/XX/2023 payment on XX/XX/2023 and it is still pending action.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the year of 2021 my account was closed for suspicion of fraud simply because I funded a new account. I am just finding out about the CFPB and I am requesting an investigation into this matter. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

Below are the name of accounts and numbers XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX  XXXX  : # XXXX theses accounts above, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a repayment plan and was told that I would be caught up after making the payments. I made all payments, more than {$35000.00}, as required by the agreement which was 12 monthly payments that equaled to two monthly payments per month. At the end of the agreement there was a NEW balloon payment due that was NOT a part of the agreement. I recently had a call with the mortgage company and the representative also agreed that the balloon payment was NOT a part of the repayment plan and not sure why it was due. The mortgage company also told me that because I did not make that balloon payment I don't qualify for any other repayment options. That does not make sense since if I had made the payment I would have technically been caught up on my mortgage. This has happen several times over the past few years with this company. On another occasion a different representative put me into a plan and payments were made and after the plan I was to contact her. I did so and she told me " she was wrong in her interprutation of the plan and it did not work like she explained it to me ''. This was after paments were made and no way for me to change what had been done. I don't think my payments have been applied properly during any of these processes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I'd like to report Venmo for a " bait & switch '' promotion to get consumers to open new Venmo accounts ( probably directed at current PayPal users ). I have received, and turned-down, many offers to open a Venmo account for a {$10.00} credit ( e.g. have a saved email offer from XX/XX/XXXX ). On XX/XX/XXXX I finally " bit '' after receiving a solicitation for new Venmo members only, to open a Venmo account stating you would receive a credit of between {$10.00} to {$500.00}. The official rules called it a " sweepstakes '' and just require that you sign up before XXXX, XXXX and they needed a phone number, and your " payout '' would arrive within 30 days. ( When I first signed up I didn't even realize it was a sort of " sweepstakes payout. '' ) After I signed up my Venmo account was ( is ) live but EMPTY. On XX/XX/XXXX I got a followup email wanting to verify my e-mail ( which I had done in order to open the account in the first place ). On XX/XX/XXXX Venmo e-mailed again stating I was " almost there '' and now they wanted me to link a bank account! I wrote their customer service to complain and advised I had not received any credit XXXX On XX/XX/XXXX they e-mailed me another solicitation to accept a {$5.00} credit stating " It's been a while, we miss you '' and to show our appreciation accept this {$5.00} within 2 weeks or it expires. I did not accept that. I now see that the official " sweepstakes rules '' state if you accept any intervening offers from them it voids their {$10.00} to {$500.00} offer. Seems like a classic " bait a switch tactic. '' I wrote to Venmo customer service to complain I had not received what I had been promised to open an account with them on XXXX, XX/XX/XXXX & XX/XX/XXXX. At no time did they say I didn't fulfill all the offer requirements nor that they needed a bank account to be linked ; They always said to be patient and it would take about 30 days to see the $ arrive in my Venmo account. Baloney! I have received nothing but " lulling letters '' from their customer service ( I saved all these email communications in my XXXX  account. On XX/XX/XXXX I told them I felt they had misled me to open this account and that the CFPB " frowns upon '' this sort of thing to get consumers to open new accounts and if they didn't remedy the situation I'd file a complaint with the CFPB ( XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 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 2022-06-21
Company: Experian Information Solutions 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 am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, 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 2022-06-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to contact the company with formal letter since XX/XX/2021 This company has a class action lawsuit on their in violation of UCC code. My vehicle was apart of this in which I did pay the vehicle off. This vehicle was paid in full and sold while I have a balance reporting to my credit file No proud of of any requested documentation has been sent to me. The account has been re aged which is non complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to : 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.

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information.

They did not do this!!

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: FL
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 Reporter Act, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish your account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Grain Technology, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
THIS IS NOT A DUPLICATE ISSUE. I HAVE PREVIOUSLY SUBMITTED COMPLAINT XXXX BUT THE ISSUE IS NOT RESOLVED. PLEASE READ : Hello, I am continuing to have multiple issues paying my monthly bill using the XXXX XXXX  They have issues with their application, their support team is extremely slow to respond, they do not have phone support, and they have not addressed the issues I have reported like they previously stated. Below I have detailed the steps I have taken to resolve the issue. 

The issue I have every month is paying my bill. I have my bank account connected ( XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX and auto-pay enabled ( reference Screenshot # XXXX ). Grain NEVER processes my monthly automatic payments. I do understand that payments are my responsibility, so in an attempt to resolve the auto-pay error in their app I have tried the following : XXXX. Logged into the app and tried make a manual payment. This does not work. The app states that " There is an error with your external account your bank isn't responding. XXXX XXXX ''. ( Reference Screenshot # XXXX ). XXXX responds weeks later, sends me a one-time payment link and processes late fees on my account. The app error is never fixed. 

XXXX. Tried to change my connected bank account to resolve connection errors. This also did not work - I am told to contact support. ( Reference Screenshot # XXXX ) Support responds weeks later, sends me a one-time payment link and processes late fees on my account. The app error is never fixed. 

XXXX. XXXX XXXX continuously to request one-time payment links and to get support for the app errors. This always results in weeks delayed responses, late fees on my account and no resolution for the app errors. I even respond after paying asking for another link for next month just to make sure I won't get a late fee and it still takes them weeks to respond. ( Reference my past complaint submissions with email screenshots ) XXXX. XXXX XXXX asking for them to help me change my bank account. This is most recently and is the most frustrating - the support agent responded that I needed proof that my current connected bank account is closed. How is that legal? I should be able to change my payment type at any time, especially when there are obvious technical issues with my current connected account. ( please reference screenshot # XXXX ). 

Grain has some serious application and support issues that are impacting my credit and finances. I have done everything as a consumer and more to try to solve these and have no where else to turn for help. In my opinion, this. company should be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from XXXX XXXX XXXX and their Attorney 's stating that I owed XXXX XXXX XXXX  {$2300.00}. I do not owe this money, I did not authorize or apply for this account they are trying to collect this debt for. This is a fraudulent account and I have asked for proof that this was my account and they could not provide proof. Please remove the XXXX XXXX XXXX  Inquiries from XX/XX/2020. 
Please also remove all incorrect address as follows from XXXX, XXXX, XXXX and all other credit reporting companies : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. 
Thank You, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: U.S. BANCORP
State: NJ
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:
An auto loan with US Bank was on autopay. The banks system suddenly didnt recognize an account and instead of notifying me in a timely fashion, they called me on day 29. I paid that day but it wasnt processed for 3 days and the account was reported as over 30. This contradicts what they told me.

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