BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Last week ( XX/XX/XXXX ), I attempted to use my Hone Depot Consumer Credit Card and it was declined. I called on XX/XX/XXXX and XXXX and was advised there was a Fraud Block on my account. I have never received any proactive communication regarding this matter from XXXX or Citi bank, the bank backing the merchants transactions. During my call I was transferred to Citi consumer protection and advised they would reach out to verify my identity. I waited the entire day without response. In the evening I decided to call back and ascertain if I could escalate. I was told I needed to wait for them to communicate ; however, no timeline or method was defined, phone, email or written correspondence. I asked to speak with a supervisor, after waiting 5 minutes, I was told a supervisor was not available and one would call me in 24-48 hours on XX/XX/XXXX. To date XX/XX/XXXX, I have yet to receive a call from Citi. I take Fraud alerts seriously and have an alert on my consumer credit file. When I establish any new trade line the retailers fraud department calls the Phone # listed on my credit report to verify my intention. I have never had to do this process once the relationship has been established. My assumption was this was in response to the XXXX data Breach and if so, again the method for response is less than favorable. On Friday XX/XX/XXXX I initiated a XXXX complaint with XXXX XXXX to escalate the situation to the Executive team. I did receive a prompt follow up from the XXXX XXXX  team that they would escalate to Citi. Also, on XX/XX/XXXX I again attempted to use my card at a Michigan store. The store associate was prompted to call Citi, and I was on hold for nearly 40 minutes. The Citi representative would state they left me a voicemail ; however, my phone never rang on the phone number listed on my credit report. I encouraged the XXXX XXXX  executive team to run a report to ascertain how many consumer accounts are fraud blocked. There should be requirements put in place for companies fraud blocking, send written communication, etc. These companies close card for inactivity, then require new credit inquires to reopen accounts at the detriment of consumers.

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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}

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
Consumer complaint received 2022-09-04
Company: Experian Information Solutions 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:
n 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON 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 2020-03-26
Company: Experian Information Solutions Inc.
State: VA
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:
Both XXXX XXXX in XXXX, VA and XXXX XXXX ( headquarters in XXXX XXXX, TX XXXX submitted Hard Inquiries on my account on XX/XX/2019. It is my understanding that because these inquiries occurred the same day, they should have been counted as only 1 inquiry. I am submitting documentation stating that " all inquiries for a mortgage, an auto loan or a student loan '' should be counted as a single inquiry if within a 45 day time frame. My rights as a consumer have been violated.

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 2022-07-20
Company: EQUIFAX, INC.
State: MO
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 sent a complaint on XX/XX/XXXX to remove inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 's XXXX, XXXX, XXXX. I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX - I had transferred {$1.00} via XXXX from my XXXX  XXXX XXXX account to my younger brother 's Chase account as a trial transfer. He confirmed he had received that amount. Therefore I went ahead and transferred {$1000.00} on the same day. He did confirm he had got the transfer and went to an auto repair shop to use it. 

XX/XX/XXXX - My brother contacted me that his Chase account was blocked. I am not sure of the reason, but he had came back to the states after 2 years of internship. The sudden activity may have been a red flag possibly. He found out that his account was permanently closed when he contacted Chase. He then reached out to Chase to re-open his account and was informed that they can not do that. Instead Chase said they can open a new account with them. 

XX/XX/XXXX - Chase had opened a new account for my brother. His spending in his previous account on XX/XX/XXXX and after had been reflected on his new account. However, the XXXX transfer of {$1.00} and {$1000.00} did not show on his new account. When he had contacted Chase, they had told him the transfer has bounced back to my XXXX  XXXX XXXX account. They said that this should show in few days. 

XX/XX/XXXX - I had still not received the transfer back. When my brother contacted Chase, they had told him that I should contact XXXX  XXXX XXXX to file a claim. Therefore I opened a claim with Bank XXXX XXXX. 

XX/XX/XXXX- I had got a denial of my claim. I contacted XXXX  XXXX XXXX that neither I or my brother had received this money and to re-open this claim. Every time my brother contacted Chase, they told him I should reach out to XXXX  XXXX XXXX. They mailed him his previous account statement as proof to send to XXXX  XXXX XXXX. 

XXXX and XX/XX/XXXX - I had made multiple phone calls almost every week with XXXX  XXXX XXXX. I had gotten several denials of re-opening this claim. 

XX/XX/XXXX - I had spoken to a XXXX  XXXX XXXX representative and she had told me to email any documentations that may help so they can reconsider this claim. 

XX/XX/XXXX - Again called XXXX  XXXX XXXX to see if they had re-opened my claim but they said no. I asked what I can do to get my money back they said they are not sure. 

I can provide my bank account statements, my brother 's current bank account statements, and previous bank account statements as proof to show none of us got the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Recent changes to the on-line process, in my opinion, creates a security hazard. When a customer chooses to sign-off the account, a pop-up window appears asking " are you sure you want t o Sign-Off ''. Typically, people hit Sign-Off '' and either leave the computer or switch apps such as going to email. The Sign Off button is not in a spot where a customer could accidently hit it so this ask is ridiculous. For the RARE occasion where someone accidentally hits the sign off button and needs to log on again, my feeling is that it is a small price to pay for securing the website. In my case, I was at a remote office checking my account and was called away so hit the sign off button and left my desk, after returning a few minutes later, my account details were open and I realized later that I did not " confirm '' that I wanted to close the account and someone passing by my desk apparently said " no '' and my account was re-opened for them to view at their leisure. I am fortunate that nothing was manipulated in my absence but immediately reached out to Wells Fargo to adv ise of the issue and, as expected, got no reply to my concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: WA
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 am working on refinancing my mortgage and the bank representative was going over my credit report and saw that Citi had a {$210.00} balance in arrears. I tried multiple times to speak to someone at Citi yesterday, XX/XX/2020, and today, XX/XX/2020, and I kept getting transferred to a message that said they were closed and my call was terminated. The last time I called I asked to speak to a supervisor and again I was disconnected. I am trying to find out about this balance in arears as I have received no communication from Citi. This is unacceptable behavior by a company and they refuse to work with me to resolve this issue.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in XXXX / 2021 I was notified I had a past due balance. I called the company and explained it was not my charge. they agreed to look into and remove. they notified me it was fraud and they would correct and remove any negative credit. they did correct the balance but still have a past due amount showing in XX/XX/XXXX and XXXX XXXX they have NOT been removed as a paid late 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 2022-09-04
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting 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 a account without my written instructions ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
XXXX repo my boat and never gave me a change to get it back. The sold the note and recoveries to XXXX XXXX. A year after they sold the rights to the vessel they came back on me a put a Final Judgment in the state of XXXX after selling their rights to collect on the note. They also sold the vessel in XXXX not to comply with XXXX Statues. XXXX came back after to put another Judgment on me for the same note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have a Wells Fargo Credit card that went into collection & now have a judgement against me. Which I just found out. 

On XXXX XXXX, 2017 Wells Fargo legal recovery set-off went into my checking & savings account. Took all my money leaving {$100.00} to live on. 
Totaling {$5800.00} gone! 

Can they do that?

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 2019-11-30
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have made over {$2000.00} in payments to us bank reserve line XXXX. However they have not been applied to my account. Recently i made 2 {$300.00} in payments totaling {$600.00} and a couple months ago I sent in a {$700.00} check. Us bank never applies my payments or they apply them incorrectly and keeps charging me late fees and interest fees on incorrect balance. My balance that is due should only be {$400.00}. You need to investigate this company ASAP! Where is my money going??? CONTACT ME BY PHONE THEY NEVER CALL OR ANSWER 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 explanation
Consumer complaint received 2016-08-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for the XXXX of XXXX and XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: DISCOVER BANK
State: FL
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:
I am a current Discover card holder and I became aware of an advertisement on their website for a rewards perk of 5 % cashback bonus. In the fine print it shows that it is for Discover it & discover more cardmembers. I have a Discover IT card currently and as I attempted to activate this advertised rewards bonus I was given and error message on the next webpage that stated " Oops. Something went wrong. We apologize for any inconvenience, but the rewards calendar is not working at this time. Please check again later. '' Which ok, technical issues do happen, so I gave it some time and checked back periodically every couple hours and encountered the same message each time. I thought maybe it was just an online issue with their website so I called into the customer service number from their website. I was told by customer service that i have something called a Discover IT XXXX account and was thereby not eligible for the rewards bonus that was being marketed. Discover IT being in the fine print of the XXXX XXXX XXXX 's and also in the name of my account I was very confused and taken aback by this comment. There is no statements regarding ineligibility of my or any other specific type of " IT '' account and in addition on the Discover brand website there is no type of credit card listed as Discover IT only thus indicating that any account featured as a Discover IT account would be eligible. Furthermore, had I not called in, the sham technical difficulties message that their website was spewing out at me was also false and misleading. This is a highly deceptive marketing ploy and I am honestly surprised about how incredibly inept the Discover marketing team has to be in order to let this get publicly marketed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/21 I applied for Chase XXXX XXXX XXXX Card and was not approved. I'm a consumer ( natural person ) so I can not be denied credit that originates through me that I extended to them. I'm the original creditor pursuant to 15 usc 1602. I can not be discriminated against for exercising my rights in good faith pursuant to 15 usc 1691. XXXX  dose n't have my written consent to report anything on my credit report pursuant to 15 usc 1681 permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Focus Holding Company
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently initiated new telephone service. Ever since then, I have been receiving a continuous stream of harassing phone calls about a debt that clearly belongs to whoever had the number before me. I tried calling the company and explaining their mistake but the phone calls have continued.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Fraudulent Activitiy, Identity Theft, Remove and block the following Transunion Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-04
Company: EQUIFAX, 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:
I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts 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 response to consumer: Closed with explanation