BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX 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 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
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: Account status incorrect

Complaint:
I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX  and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX, Chase Bank froze my checking and savings account, due to a false fraud allegation on a wire transfer of {$140000.00}. The money was transferred from my joint XXXX account with my mother and sister. My mother wanted me to transfer the funds due to an elder abuse investigation opened against my sister. My mother didnt trust my sister anymore. Chase closed my account on XXXX. I called about the return of my funds, and were told multiple answers as to return of my funds, such as : all the money was withdrawn, a check was cut, the check was destroyed, all the money had been withdrawn again, and then to go into the bank and speak with an employee for assistance. I went into the bank in XXXX Michigan. They told me a check was cut on the XXXX of XXXX, and to come back in if I didnt receive it by XXXX. I didnt receive it. Chase called the main bank, and now I was told the check was mailed on XXXX and to come back in, if I didnt receive it by XXXX. Today is XXXX and I still havent received my funds from my savings and checking totaling a little over {$170000.00}. Please help have my money returned to me. It feels like Chase doesnt want to return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After careful review of my most recent credit report it has come to my attention that XXXX XXXX Account # XXXX amount {$1300.00}, XXXX amount {$1900.00} has violated my consumer rights. 

Based on the Fair Credit Reporting Act XXXX  XXXX my rights have been violated as a consumer. 

Under LAWS : 15 US CODE 1681 ( 4 ) 15 US CODE 1681 ( B ) I HAVE ATTACHED WITHIN THIS COMPLAINT a copy of my recent credit report, ID and FTC report, and a copy of the cease and desist letter. 

I have submitted complaints several times with both the debt collection agency as well as the consumer reporting agencies. I have discussed the inaccurate information on the report several times of the course of three months and also explained I have never held a contract or communication with XXXX XXXX all attempts have been ignored. I have also attached cease and decist letters and requested assistance about the violations that are being committed.

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 2022-06-27
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The current student loan provider me and my husband are dealing with, the Texas Higher Education Coordinating Board ( hhloans.com ), is not allowing us to pay ANY amount towards our principal balance until all interest has been paid in full. Our interest is currently sitting a little over {$3000.00}. What I am used to seeing, is that nearly all student loan providers will have a minimum amount that goes to interest and fees each month, and a portion that will go to principal, or at the very least, allow the borrower to pay EXTRA each month that goes to principal. 

Their own website details that they are open to having borrowers call in to arrange for payments to be collected in a different manner, and that they will make every effort to honor that requested change. We assumed this would mean allowing us to make extra and separate payments towards principal. They have made no effort to work with us or help. 

We have tried calling multiple times, and have talked to supervisors to try and start paying towards our principal in any amount, but each time they deny us and say every penny of interest must be paid first. All the while they have also told us verbally that our interest is building at a current rate of {$240.00} per month, while we have been paying {$430.00} per month. We have been paying for a year now, and have not even touched principal yet. We feel stuck in a debt trap with no viable way out except to make one large payment of {$3000.00} to rid ourselves of interest, just to get our heads above water. 

No other student loan provider I have ever dealt with has blocked me from making payments toward principal like this, and we feel this needs to be looked into further as this practice seems extremely predatory and anti-borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: IL
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  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 2022-04-25
Company: Experian Information Solutions Inc.
State: MD
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 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 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 2022-11-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX ,2022 I called Huntington bank to dispute multiple charges totaling {$5800.00} from a company called XXXX. When I called I explained that I reached out to that company and when they told me the IP address and house I stated that was not mine. They lady I spoke with at the gaming commission said to call your bank and do a charge back. When I called Huntington the lady that took the report marked my card lost when that was not stated to her I explain my phone was lost/stolen and I have a police report and I was in NC XXXX XXXX XXXX And I could of not made these charges being outside of Michigan nor would I let anyone use my information to do this. XX/XX/XXXX I called Huntington case was closed due to the lady stating card was stolen I said I never said that to her I went to the bank the guy took the card from me at Huntington and order a new card. He then reopen the claim. Now I am told since it was reopen I have to wait for anything to come back to me from the merchant. Cause there rep wrote the claim up wrong. I have explain to Huntington it was not only there card that was used had other cards used beside them. That I was not in the state of Michigan. I never get a call from there fraud team just always getting the run around. They never sent out no forms to be filled out. I sent them the police report. I feel since the first dispute was not written up right I am be held for that. And this wrong. On XX/XX/XXXX I called and spoke with a supervisor was told it was just sitting there no notes and has not been looked at. She said she put in for a call back for Friday the day after XXXX and no call from them. I called today XX/XX/29 still no one has looked at it. I also explained to a supervisor name XXXX my phone does have lock but was set up to lock after XXXX mins. They are not looking at everything and its wrong. I even called the company XXXX uses XXXX and they told me they try there best to stay on top of hackers and catch all VPN but it does not always happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I was awarded Unemplyoment bevefirs in XXXX of 2020 bamk of ameruce was to issue me a payment card with my edd bemefits on it. They said 5 to 7 business days i called after the 7th day to inquire about why i hadnt received my card and was informed thaty card had beem activated and had a balance of XXXX when thr starting balance was {$13000.00}. I was transfered to the fraud and the claims depts and tgey semt me a card to my new address or at least thats what they told me. Again i waited 5 days and called back and asked again why i hadnt receibed my card and they told me once agai they semt it to the wrong addres they semt it to the address i had already called and repirted my roomate for stealing my mail and my card. I have complied with every requestAnother card was issued to me and expedited to my new address. But thus time when i recieved it it was NEGATIVE {$11000.00} from BANK OF AMERICA. I CALLED IMMEDIATELY AND WAS TOLD THAT CAEDD FROZE MY ACCOUNT AND WITHDREW MY FUNDS AND CLOSED MY ACCOUNT DUE YO FRAUD AND I HAD TO CALL THEM TO FIGURE OUT WHY. I CWLLEDD AND WAS TOLD TO CALL BANK OF AMERICE BECAUSE THEY DIDNT DO ANYTHING TO MY ACCOUNT AND ARE STILL TO THUS DAY PAYUNG BENEFITS TO ME BUY BANO OF AMERICA IS STEALING THEM TO REPAY THE NEHATIVE BALAMCE THEY LIED AAND FALSIFIED MY TRASNACTION HISTORY AND STATEMENT STATING YHE STATE OF CA EDD TOOK THE XXXX dollars from my account.i have called Bank of america 213 times and have been hung up on transfered and hung up on all 213 times and have gotten litterally no help or response from bank of america . I have lost my house my kids are spread out living with friend s and i am now living in my car depending onthe generosity of friend and strangers to have a meal.while bank of america continues to collect my unemployment benefits fraudelently and gets away with it.

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 2022-06-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have become a wire transfer fraud on XX/XX/22 and happened to wire {$37000.00} and {$4000.00} to the fraudster account in XXXX XXXX XXXX  at XXXX ET from my local Chase bank in XXXX, XXXX Three hours later I rushed over to the bank again to stop the transactions and report the fraud at around XXXX ET upon finding out it was a fraud. My local chase bank assisted me in opening the claims and freezing all my accounts to prevent my money. I was told the Chase sent the XXXX recall request out to the recipient bank next day XX/XX/22 at XXXX pm ET. Since then nothing has been happening until today XX/XX/22 despite my continuous attempts to communicate with the Chase wire specialist team to stop further transactions. The Chase has been acting so passively in delayed manners just saying the recipient XXXX XXXX XXXX has not been responding towards their requests. I tried to communicate with XXXX XXXXXXXX XXXX myself since XX/XX/22, but they have been saying they only can communicate with my bank. It has been very frustrating that I have not been communicated/updated regarding such a timely sensitive matter while just blaming on each bank. The chase bank has told me my case may be closed since they dont hear anything from the recipient bank. I dont feel like my bank and XXXX XXXXXXXX XXXX have not been collaborating with me at all losing the golden time to resolve this matter. Please help me as this is an obvious fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
CASE DESCRIPTION : This complaint is made against US Bank XXXX, as one of its subsidiaries, Elan Financial services is ultimately responsible. While well hidden, the policies are created but US Bank XXXX which is the responsible party in this complaint. 

Through a solicitation I received in the mail, I signed up for the Ent XXXX Credit Card ( offered by Elan Financial Servies, a division of US Bank XXXX. Part of the reason for getting this card was the generous 5 % that they offered for certain categories such as home utilities. Based on the solicitation, I decided to get the card. I selected XXXX XXXX for XXXX of the 5 % categories and incurred a convenience fee in order to pay my home utility, Colorado XXXXXXXX XXXX. The transaction posted at 1 % and when I called I was told this was an obvious mistake and that it would be fixed. When it was not fixed, I contacted Ent again and was told that Colorado XXXXXXXX XXXX, despite posting with the merchant code was not considered a utility as they do not have utility as their primary business. I am surprised as Ent is headquartered in Colorado XXXX and I would imagine pay a monthly bill to their utility company, Colorado XXXXXXXX XXXX. When I spoke to a supervisor I was told that this often happens when a business conducts business in more than one category, such as XXXX XXXX I checked the XXXX website and saw that they primarily sold - utilities such as water, gas, and electric. I could not order clothes or groceries from the XXXX website as they did not offer that, like XXXX XXXX I was then told that the terms and conditions said that there are some guaranteed home utility companies, but that the " millions '' of others " may or may not '' count towards the additional reward. Ent 's policy seems to be-we don't know what reward you might receive, but get our card and maybe, you might just possibly could have the utility company that you have providing your home utilities count as home utility. But, and I am adding my own interpretation, we will decide and you'll find out after you paid your bill. If we don't want it to count, then it won't, too bad, so sorry, try something else and even if the merchant code is the correct one, we decide-logic, fairness, and basic common sense doesn't apply as XXXX determines what is a utility.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: IN
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$3400.00}

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