BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
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:
Vacation Club Credit by XXXX XXXX Bank has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted XXXX and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Account status incorrect

Complaint:
Vacation Club Credit by XXXX XXXX Bank has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted XXXX and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.

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 2022-10-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are multiple addresses that dont belong on my credit report and need to be removed immediately I have reached out to experian concerning this issue and have been ignored please remove all incorrect fraudulent address immediately plz and ty and also names XXXX XXXX  XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX  XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX  XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Also All names should be deleted from my credit file my name should only show up as XXXX XXXX XXXX all other spellings of my name and records of my name are incorrect and should be deleted 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 2015-07-17
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
My credit card statement from US Bank, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX, showed a balance due of {$770.00}. I transposed, in error, the cents and remitted {$770.00}, a difference of XXXX cents. For this slight error they billed me for {$8.00} in interest. That 's XXXX times the shortfall and it seems ludicrous to me. I called their customer service phone number as I did n't realized that I had transposed the cents and they explained the {$8.00} interest charge was a result of of XXXX cent error, and made no effort to resolve what I thought was an extraordinary interest charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-21
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX of 2014, I made a regular mortgage payment to U.S. Bank. They returned my payment and stated that they do not accept partial payments. When I reached out to U.S. Bank in an attempt to understand what happened, no one could help me or explain what the problem was. 
Every month thereafter they have not accepted my payments because they deemed my XXXX payment a partial payment. 

I am XXXX years old and I do not understand what the problem is. I had enough money to correct any mistakes and make XXXX mortgage payments back in XXXX, but U.S. Bank did not work with me, despite my loan being an FHA loan. 

U.S. Bank has now filed for foreclosure against me, and I still do not understand what happened. They still are not working with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 2016-03-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a major issue with J P Morgan Chase. I have been using chase for over 7 years including business, person checking and savings accounts. On top of that I have a business Credit card ( which I paid more than {$7000.00} in foreign transaction fees last year ) and XXXX personal credit cards. However, a person sent me XXXX different chase quickpay transactions from XXXX XXXX to XXXX XXXX for me to purchase a product for them, resulting in that person saving money overall. Now, that person claimed that someone without their knowledge logged in their account 6 times from XXXX XXXX to XXXX XXXX and sent me those payments without their knowledge. However, chase send each customer an email with confirmation for each chase quickpay transaction, also on XXXX XXXX XXXX of the payments failed to be funded and that person resent the payment after cornfiimg it was their mistake. 

This person claimed fraud, and because If the investigation I can not submit any evidence from my side, I have contacted chase over 12 times and was given a run around in the branch and over the phone. Today, my account is still frozen, I canny buy my kids groceries, pay my pills, get gas for my car. Chase does n't care about any of that, to them it 's just a process and a procedure, there is no one at the chase branch or over the phone that is willing to explain or give me an opportunity to prove that I am a victim of fraud. 

I hope someone actually reads this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing because I received a letter from Chase Bank XXXX XXXX to tell me that my mortgage loan will be transferred to XXXX inc on XXXX XXXX. Since then I have spoken to several Chase rep about my loan being transferred and why am I finding out so late but their only answer is that they can transfer the loan at anytime. I called Chase today to get a pay-off quote from them and was told by a Chase rep that my loan was transferred yesterday and the case was closed yesterday and that they were trying to get in contact with me. If they were trying to get in contact with me, how come i have no messages from them and how come they did n't tell me what they were trying to inform since I have spoken to them more than XXXX times in two days. I received a letter yesterday dated XXXX XXXX telling me to call and that they have been trying to get in touch with me. It is not true because I spoke to Chase several times last week and this week asking them questions about my loan. I have spoken to a rep by the name of XXXX XXXX before my loan was transferred. Now when I ask about the pay off quote, all of a sudden, they can not tell me. XXXX rep told me today that my loan was transferred and closed yesterday XXXX XXXX and then when I called back to speak to an escalation agent and she said that my loan was transferred on XXXX XXXX and they would n't have been able to give me any information. Someone is lying. I spoke to several Chase representative since I received the letter in XXXX and have spoken to several Chase rep this week XXXX XXXX and XXXX to get information about my loan and they transferred me to XXXX who says they can not give me any info until XXXX XXXX because Chase has n't transferred all my information yet. My apt is being sold and my closing is on XXXX XXXX and I have a right to know what my pay off quote from Chase is. 

Chase has lied to me so many times, first they said they were n't the XXXX to transfer the loan and it is XXXX, and I should call them, then they said that they transfer a whole bunch of loan at the same time and that they have no control over the loan being transferred. I have the right to have all the information needed about my loan whether or not the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have yet to received chip-enabled debit cards for any of my bank accounts. The banks that I deal with for my business and personal accounts -- - XXXX -- -- are postponing the issuing of chip enabled debit cards for customer accounts. The banks have chosen, for their own protection, to replace credit cards with chip enabled technology, but are in no hurry to do so for debit cards. This places bank customers at higher risk and exposes customers, like myself, to loss of funds for what can be a considerable period of time if there is unauthorized use ( because of the way that the banks drag out investigations ). I believe that the failure of the banks to protect customer funds by issuing chip enabled debit cards simultaneously with or prior to replacement of credit cards is unfair and unreasonable. I believe that the CFPB should pursue this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: State Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Under Texas Finance Code 392.202 for debt validation I have had my rights as a Texas consumer violated and ignored. I sent State Collection Services a debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in XXXX ways. XXXX, for ignoring my request, and XXXX, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus ( XXXX, XXXX and XXXX ). There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by State Collection Services and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX for a bill that I did n't know that I had. Southwest collection Agency contacted me I called XXXX. I never received a bill from XXXX, once XXXX understood that there was an error and never got the bill they allowed me to pay them. Southwest could call my home phone being nasty, and then my cell ordering me to pay. After I had inform them that I had taken care of this bill with XXXX. I informed Southwest Collection Agency and gave them proof of the conversation with XXXX and that XXXX stated that they would not be listed on my credit report. Southwest refuses to remove themselves from my credit report. I asked nicely and was told " No, we will continue to report and remain on your credit report for seven year. Even after XXXX informed me and I informed them that XXXX stated that they should not be listed on mt credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-17
Company: Netspend Corporation
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I called XXXX XXXX in reference to transaction from XXXX XXXX XXXX for XXXX wanted this returned to account for no services provided and they Blocked my card and living I the bought new card ending XXXX and tried activating but Netspend told me to email verification ID. Social security card. XXXX bills and I did 10 times to XXXXXXXXXXXX spoke to several foreign degrading reps then. @ XXXX XXXX XXXX XXXX advise they have email.but I will only have unlimited use and I ca n't transfer money from blocked card ending XXXX. This Is only financial Institutions in united states that is treating consumers like this and the Government Needs to shut them.down!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MI
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:
Equifax is showing a child support case negatively reporting on my credit report. They never provided proof that the children in reference to this account. They never showed proof of DNA or how this alleged debt is even my debt. I have disputed the account with the following company sending certified mail. they failed to send me any proof of how they can determine that this debt is mines. I am demanding it be removed immediately in direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: U.S. BANCORP
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have an Equity line of credit with US Bank. The total of the loan was {$55000.00}. I unfortunately was scammed by a guy I met on XXXX. He told me his name was XXXX XXXX. He suckered me into giving him my Equity Line of credit information. He paid it off and then all of a sudden it was back up to the max. I received a letter from the bank asking me if I wanted to raise my limit and never sent the letter back. Yes it was my fault that I gave this scammer my info but I never gave the bank the authorization to raise my line of credit. I was a victim of a scam. I did n't find out about this until I got a call from someone at the bank telling me I owed over {$84000.00}. If they can call me and tell me that I owed that much then why did n't they call me to ask me if I wanted my equity line of credit raised? This is very scary for me because I can not afford to pay back {$84000.00}. I will pay the {$55000.00} because that is what my husband and I agreed to when we first took the loan out. My husband passed away on XX/XX/2008. I am living on social security and working a part time job just to make ends meet. Please if you can help me I would appreciate it so much. I have spoken to XXXX XXXX in the Fraud dept at US bank phone # XXXX and email is XXXXXXXXXXXX and he told me because I gave this scammer my info I am responsible for the total amount. I do n't feel like I should have to pay the extra money. The bank has my phone number and could have called me to see if I wanted to raise my equity line. They sure called me when the equity line got up to {$84000.00} but did not call me to verify that I wanted it to go over!!! I need help PLEASE!!

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 2022-10-28
Company: SYNCHRONY FINANCIAL
State: RI
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 a hard inquiry on my XXXX XXXX  account that i did not athourize wich is fraud from a company called syncb or sync bank that i would like removed from my XXXX XXXX score so there info is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX zip code XXXX phome number XXXX thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I recently invested in an 11 month no-penalty CD with CIT Bank who XXXX at the time, was offering the most competitive rate. As the rate environment has changed I'm now looking to close out the existing CD to reinvest the funds at the higher rate now offered by XXXX. While this process is simple with XXXX 's competitors, primarily XXXX and XXXX, XXXX has intentionally made the process difficult/near impossible by forcing seemingly endless hold times on customers trying to close out CDs. At XXXX and XXXX, customers are offered the ability to close out accounts on their own via their online portals and the entire process can be done in under a minute. At XXXX, however, you must call customer service, select an option to talk to a representative about account management and wait up to a couple hours to actually reach a representative. Thereafter they notify you that you'll need to be handed over to the " transaction line, '' an option not immediately available during the initial menu offerings, wherein you have to wait on hold again for a period of hours to reach a representative. During the second hold period there is no relay of hold time estimates nor do you talk to a representative at any point in time. Seeing that there is a simple solution to this problem, already deployed within competitor 's portals, this ongoing issue appears to be intentional and done so to strip customers of their ability to access their funds in a timely manner to the benefit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Huntington Bank denied me access to my checking account. Due to profiling customers, deposits at the ATM were held ( disclosure was made at ATM regarding no immediate availability on deposited checks ). I was not able to access my account online or by mobile app. Upon inquiring via phone as well as visiting the XXXX Officed ( XXXX ), I was informed my account was pending closure and no access would be granted until the checks cleared. I accept the pending hold until the checks clear, I do not accept preventing me from viewing my account. The deposited checks were from my XXXX checking account which has direct deposit of funds received for death benefits for my husband who died XXXX/XXXX/15. The direct deposit in the XXXX account ( XXXX ) had not been received on the date the insurance company promised. I explained this to Huntington reps numerous times. 
I was told that nothing can be done about access to my account and they continue to hold this matter as a security issue until XXXX even though I explained the problem with my direct deposits at XXXX. I have been in contact with the insurance company responsible for the direct deposits, as well. I had checks returned by XXXX on a previous deposit and by profiling my account activity, the account is on hold to close. My SSI funds are due to be direct deposited into Huntington on XXXX. I want access to my account immediately. 
I needed checking account statements for my mortgage company and was not able to obtain them online. I had to order them from Huntington and they will charge {$5.00} each,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion and XXXX drops credit score every other month by XXXX points for no reason. A CREDITOR IS REMOVED AND THEY STILL BOTH DROP MY CREDIT SCORE BY XXXX POINTS EVERY OTHER MONTH WITH NO INQUIRIES.

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