BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting the same loan twice on my credit report. I have reported this to the credit bureau however XXXX keeps verifying both accounts as valid. I have only had one XXXX XXXX  XXXX  loan but reporting the same loan twice with slightly different account numbers is not helping my credit. Transunion has listed one account # as XXXX and the other as account # XXXX. XXXX XXXX XXXX needs to remove these duplicate records from my credit report but they are failing to do so even after I have asked Transunion to reinvestigate.

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 2017-06-23
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. XXXX - XXXX XXXX - XXXX EXPERIAN - 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 2017-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a complaint that Bank of America had error about posting deposit and false posting information and posting date then lost my money in my account. Bank of America or a person of the bank had changed informations from depodits to an account to a bank credits then robbed customer money in the account by debit it. Customer name is XXXX XXXX, account number XXXX with social security XXXX. On or about X/XX/17 there were small deposits on same days value about 600, 900 and 1500 with small amounts add up to total same days for those amounts. The bank had posted those as bank credits then later used 3 fake claims to steal all money in my account. This is robbing customer money with trustworthy to put money in the bank. I lost my money of the fake claims. The transactions came from a person loan me money then changed to bank credit from other merchants not associate with the transactions. This is fraud, robbing and stealing customer money in the account. The matter had been explainef to the bank but no return yet. It had been reported to FDIC, FBI and also now the consumer finance protection bureau. I nned my money return to me and credit for all fee associated to the lost.

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 2022-09-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ON XX/XX/2022, XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX  REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX  NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY EQUIFAX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TransferWise Ltd
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account with " transfer wise '' was close by wise team on XXXX and it has XXXX USD in it. 
I have appeal to send me back but never received back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Every transaction i make gets detucted right away but it would still show pending for a couple of days and sometimes i would need it to finish to process some other stuff, and the over draft fees gets charged a day after the over draft happens, and most of the time I do n't see that my account has an over draft and would see it after the over drafting happens

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to send a debt validation letter to this company, at the address they provided to the CRA 's. This address is not a valid address and my certified letter was returned. This intentionally deceptive act has prevented me from requesting a validation letter. Furthermore it violates the Deceptive Trade Act as noted below. When you try to reach LVNV the phone dials Resurgent Capitol Services. The original debt owner took me to court, I won the case ( dismissed with prejudiced in my favor ). This behavior is is also in violation of the FDCPA/FCRA/TDCPA Sec. 17.462. LISTING OF BUSINESS LOCATION OF CERTAIN BUSINESSES.
b ) A person is considered to misrepresent the geographical location of a business for purposes of Subsection ( a ) if the name of the business indicates that the business is located in a geographical area and : ( 1 ) the business is not located within the geographical area indicated ; ( 2 ) the listing fails to identify the municipality and state of the business 's geographical location ; and ( 3 ) a telephone call to the local telephone number : ( A ) listed in the directory or database routinely is forwarded or transferred to a location that is outside the calling area covered by the directory or database in which the number is listed ; or ( B ) provided on the Internet website or in a print advertisement routinely is forwarded or transferred to a location that is outside the calling area of the geographical area as indicated by the name of the business.

Sec. 17.50. RELIEF FOR CONSUMERS. ( a ) A consumer may maintain an action where any of the following constitute a producing cause of economic damages or damages for mental anguish : ( 1 ) the use or employment by any person of a false, misleading, or deceptive act or practice that is : ( A ) specifically enumerated in a subdivision of Subsection ( b ) of Section 17.46 of this subchapter ; and ( B ) relied on by a consumer to the consumer 's detriment ; ( 2 ) breach of an express or implied warranty ; ( 3 ) any unconscionable action or course of action by any person ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Credit Corp Solutions Inc.
State: PA
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 recently checked my credit report and noticed to inaccurate accounts. 

Account under the name of XXXX XXXX XXXX has been added to my credit report. I have never done any business with this company and I have asked them for evidence of when this account was opened. I did not receive anything and they have not given any details. The credit bureaus have investigated this account, it has been over 30 days, I did not receive anything. I see on my report that the account was added on XX/XX/XXXX. The amount reported on this account is XXXX. 

Account under name Credit Corp Solutions was added to my credit report. The balance reported is XXXX. The date for this account says it was XX/XX/XXXX. I have called them directly and asked evidence of how this account was opened. I have not received anything, I also asked the credit bureaus to investigate this account. It has been over 30 days and they have not provided any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had gotten a payday loan, I lost my job and advice the lender place of this actions, and advice them that I did n't have any funds in my acct, but the payday loan place did n't care and still attempted to take money out like 2 to 3 times a week and the bank would return the amounts every time, but I would get a {$35.00} fee each time. I paid over {$600.00} in fee 's. I was so XXXX and needed a stop to this so I put a stop check on the payday loan place, and it did n't work cause it still continue to cause my account in negative. I called the bank and spoke to the banker and she suggested Of instead of crediting the transaction of the payday loan she would just credit me the stop check fee and close my acct and it left me with a credit of {$18.00} so she open a new account and transfer the {$18.00} to it, and she advice me that acct was closed out. Now the bank is taking money out of my new acct for a charge off on a account that was supposed to be close completely. I tried calling many times to fix the problem and they told me I have to pay. Please 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 monetary relief
Consumer complaint received 2022-09-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my card on XX/XX/XXXX via direct payment from my checking account using the account and routing numbers. The payment was processed by my bank the same day and Processed by Synchrony within 2 days. But now, 6 days ( XX/XX/XXXX ) after payment, they are telling me that my payment is being held for 3 more days until XX/XX/XXXX and will not be credited to my account for use until XX/XX/XXXX. My payment in there system shows " processed ''. There response to this was " However, some times large payments takes times to get updated for various reason. '' I explained that {$300.00} is not a large amount and that it isn't right for them to hold my money XXXX. I cited the Consumer Financial Protection Bureau, XXXX Payments ( a ) General Rule. " A creditor shall credit a payment to the consumer 's account as of the date of receipt. '' That didn't seem to matter to them. So I asked to speak to someone who can help me. They said there is no one available through chat and I would have to call, but that no one would be able to take the hold off of my funds.

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 2017-06-23
Company: Experian Information Solutions Inc.
State: CA
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:
I had a debt in delinquency, which is on my credit report. That debt was sold to a collection agency, which is also on my credit report, so the delinquency is on my credit XXXX. I filed an online dispute with each credit bureau but the company - XXXX - responded that it is valid. My understanding is that the same item can not be listed on a credit report more than once. Thanks!

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 2022-09-06
Company: CITIBANK, N.A.
State: CA
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:
I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.

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 2021-04-19
Company: TRUIST FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, i was working on refinancing my loan back in XXXX and XX/XX/XXXX, my refinance was finalized in XX/XX/XXXX and my mortgage for 2 properties were paid off in XX/XX/XXXX. Originally, the refinance was supposed to be finalized in XX/XX/XXXX but was delayed 1 month. I made my mortgage payments for both loans for XXXX as soon as I found out that the closing is not happening until XX/XX/XXXX. I paid both mortgages from the same back account on XX/XX/XXXX. Both payments went through and I received a confirmation. only to find out on XX/XX/XXXX that my payment to Suntrust  was returned, I called Suntrust and they couldn't find the issue so they submitted a new request and the payment went through. I don't understand how the payment for 1 mortgage went through but not the other. I had over $ XXXX in the account I paid from. Both accounts were paid off on XX/XX/XXXX. I don't think it is fair for me that my credit score is ruined by over XXXX points because of this mistake. I had the money to pay my mortgage, i made my payments within the month of XXXX and both mortgages were paid off on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is stating that I in which I have no acknowlegement of this collection.

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 2022-03-10
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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 XXXX I requested a replacement card to an existing current established account In excellent standing to date. This was because the card was breaking off the corner, and that the card product was made of poor materials which caused the problem. The company agreed to send replacement asap, but now, has lied regarding the process of replacement. 
They also agreed to increase credit limit by XXXX  Back in XXXX with out a hard credit file pull of which has not happened. 

As of my follow up today, I learned that they want to do a hard pull on my credit files just to send a replacement card?, and think I'm 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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received on XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.

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 2018-07-01
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Each weekend on both Saturday and Sunday the law firm Arnold Scott & Harris bombard my phone with incessant calls attempting to speak with someone that doesn't live here. I have informed them of this on several different occasions but yet they continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 credit companys has yet to remove the items that i have disputed these are not my accounts they need to be remove.

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 2019-08-08
Company: CREDIT ACCEPTANCE CORPORATION
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 received my credit report in XX/XX/XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " You requested that we investigate an inquiry placed on your personal credit file by Credit Acceptance. Please be advised that Credit Acceptance will only make an inquiry on a personal credit file when it receives a request for automobile financing through a Dealership that offers financing through Credit Acceptance. '' This is a direct violation of my rights under FCRA 611.

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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with Capital One in XXXX of 2022 for an item I purchased but had not received. Capital One disputed the item and returned funds. In XXXX of 2022 I received a letter stating the merchant disputed and funds would be rebilled. I needed to respond with a letter in a certain amount of days in which I did but capital one is saying not enough info was provided in the letter. I called back and was told I needed the case reopened and to send in phone records proving I called the company and they would resolve the issue. After waiting for 2 additional weeks I called capital one back and they are now stating the original letter I sent in did not mention the companys return policy but I dont understand the relevance of a return policy when I never possessed the item and I clearly mentioned it in the letter. I never received an item from the company to possibly return it. Capital one has requested I send in several items and each time I have done so. I was advised by a capital one representative the company I am disputing against has indicated they are responsible and ok with returning funds however capital one is stating its conflicting what they are saying and unable to acknowledge. I have once again been advised to send it additional documentation concerning this matter. I have been given 2 case numbers from capital one XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: OK
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 the consumer, and in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific XXXX they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the XXXX that I have requested to be removed from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 the consumer, and in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific XXXX they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the XXXX that I have requested to be removed from my consumer credit report

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