BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
State: NY
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 am filing this complaint because experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue 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 non-monetary relief
Consumer complaint received 2019-12-24
Company: EQUIFAX, INC.
State: NY
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 am filing this complaint because XXXX, XXXX  and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified ; that i have disputed. please resolve this issue immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Information belongs to someone else

Complaint:
I am not responsible of these account. I am a victim of ID theft. People have use my information to open them, and perform fraudulent activities

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 2019-12-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank XXXX XXXX XXXX XXXX XXXX MI XXXX Their A.C.H dept put a hold on my wife 's last SSID check amount {$1200.00} this happened on XX/XX/2019. This check came into our account on XX/XX/2019 at that time the bank held the funds for two day then released it. 
It has been verified by three different representatives at our Social Security that this check was a good check and all three have no understanding of why they are holding the money. 
At Chase XXXX told me that SSID was holding the money the day of the hold XXXX of XXXX One problem is there's no phone number to call to help resolve issues with Chases ACH dept. all communication is done via e-mail. 
SSID was NOT holding the money Chase is. 
Her ACH department we fine out on the XXXX  is re-guesting a letter from SSID they will not reclaim this money and wanted the document faxed to them stating this. Problem is SSID do not write letters and would not help me with a letter. 
So I was instructed by SSID that these steps are the only way I can get my {$1200.00} off hold. 
# 1 cover the deficit of {$330.00} # 2 Have Chase send the money back to SSID # 3 I have to file out a three page form to request my own money back and wait up to 60 days I did cover the appropriate amount om Monday the XXXX, today as of the minute the money is still on hold. 
I did communicate all of this with Chase bank ( XXXX ) on the XXXX. 
here is what it looks like to me 1st holiday season without my wife, I XXXX at XXXX to take care of her with XXXX XXXX, I'm on a small SSI income I had to come up with {$1500.00} to cover the check to have Chase send the money back, and have money to pay bills. 
This is day 12 with with my money on hold and no one at Chase seemes to care

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hey i asked the credit bureaus to do a thorough research to identify inaccuracies in my account and they did but nothing happened so after doing my own research i was able to identify several inaccuracies on my profile Name of account : XXXX XXXX XXXX " Account Number : XXXX DateOpened XXXX XXXX XX/XX/XXXX Name of account : XXXX Bank Account XXXX : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX XXXX XXXX Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX XXXX XXXX  Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX  Account Number : XXXX DateOpened : XX/XX/XXXX : Name of account : Child support Account Number : XXXX DateOpened : XX/XX/XXXX Date closed : In accordance with the fair credit reporting act XXXX  accounts Have violated my rights. 

# XXXX # XXXX # XXXX # XXXX ( duplicate accounts ) # XXXX # XXXX 15 U.S.c 1681 section A. States i have the right to privacy 15 U.S.C 1681 section 602 A section : also states that 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 2019-12-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Entered a sales contract during a cruise to XXXX on XX/XX/2019 ; we were told the gems are of the best price and quality - not true after checking when return to New York. 
Ask to cancel on XX/XX/2019 but not possible. The products are XXXX to my house but we asked XXXX to return to sender ; so they have the products with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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: Account status incorrect

Complaint:
This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.

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 2017-08-24
Company: EQUIFAX, 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 information incorrect

Complaint:
B

eginning in XX/XX/2016 I began the process of fixing errors present on my credit report with Equifax, XXXX  and XXXX.

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.

or 2 ) Information on this item has been updated.

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX.

Creditor : XXXX XXXX Creditor : XXXX/XXXX XXXX XXXX XXXX  Creditor : XXXX/XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect.

Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : 10 XXXX XXXX FLORIDA  Creditor : 12 XXXX XXXX XXXX XXXX XXXX Creditor : XXXX REGIONAL MEDICAL CEN Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : 07 XXXX UNIVERSITY Creditor : XXXX/XXXX *In reference to XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGIONAL MEDICAL CENTER, 12 XXXX XXXX XXXX 10XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate.

Creditor : XXXX/XXXX *In reference to XXXX/XXXX, account past 7 yrs. and balance is in error.

Creditor : XXXX XXXX XXXX/NAVIENT Equifax has deleted XXXX XXXX has deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has deleted XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Reference previous complaint : XXXX This matter is NOT closed. The bank 's response is NOT acceptable and does NOT address the question I asked. 

My question has always been : Where can I see the {$3.00} fee for outbound ACH transfers PRIOR TO LOGGING INTO AN ACCOUNT OR EVEN OPENING AN ACCOUNT?. Telling me I can see it on the screen after logging and in and initiating the ACH transfer process is NOT ACCEPTABLE. I also will NOT accept the generic terminology in the Digital Service Agreement that say 'we can apply whatever fees we wish whenever we wish without advance notice '. 

I expect a proper answer this time, or for sanctions to be imposed on the bank for failure to properly disclose fees. 


I opened the account in response to a promotion that offered a {$250.00} bonus awarded to accounts that reached a balance of {$500.00} within 45 days of opening and remained there for a minimum of 60 days. I honored my deposit commitment on XX/XX/XXXX and will let the balance remain until at least XX/XX/XXXX to honor the time commitment. I expect that bonus to be applied no later than XX/XX/XXXX. Sometime after that, I will likely close my account due to the extremely poor management replies to this issue. 

If the bank prefers to pay that bonus early and close the account, I'll accept that decision, but such closure MUST show as by my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BANK OF HAWAII CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been having my information being stolen by XXXX XXXX being hired by to be draining my accounts for economical damages with my privacy using Ai to steal my information and buy my checking accounts to make deals to overdraft with fees and to steal my information to organize crimes to throw me in jail to damage my reputation since 2015. I have had massive fraud and scheme being organized using Ai with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX for espionage and account information theft to steal trade secrets. Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on forbearance due to loss of income because of COVID. At the end of my forbearance, I was given a few options on how to proceed. I chose to due a loan modification. I was put on a trial where I had to make 3 payments at a reduced amount. The payments were made XXXX XXXX, XXXX, XXXX XXXX, XXXX  and the last trial payment was made on XXXX XXXX, XXXX. I was told it would take 30 days to process the loan modification once the last trial payment was done. Well we are now at 90 days and 5/3 Bank which is whom I have my loan with still can not tell me what my status is. I have called several times but I am told it's pending. In the mean time, I get mail stating I am delinquent. And I want to make sure I do not lose my home. I have asked to speak to a supervisor, but have not been able to. I have also tried talking to XXXX XXXX at XXXX. She is supposed to my " designated Customer Care Team Specialist '' to no avail. The customer care specialist I did speak to today found it odd, just like the previous two customer care specialist. They have been nice enough to say that they will speak to a supervisor to see if they can get me answers, and that they will call me back. That has not happened yet. Again, I do not want to lose my house and I am not getting any answers but I keep getting mail that I need to act before I lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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:
I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXX XXXX  Credit Card ( 2 different cards ) XXXX XXXX XXXX Credit Card ( 2 different cards ) XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-20
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:
I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXXXXXX XXXX  Credit Card ( XXXX different cards ) XXXX XXXXXXXX XXXX  Credit Card ( XXXX different cards ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: Diversified Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an account being reported on my XXXX credit report that is not mine..I have repeatedly tried to have it removed..but Leonard and Associates refuses to budge..I have a police report to back up the fact that I am a victim of identity fraud..Not only are they reporting a closed account that is not mine they are also placing phone calls to me even though I am on the national do not call list. I am being harassed for a debt that has no connection to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello I been trying to open a account an I keep saying I cant open a 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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : XXXX XXXX XXXX, XXXX XXXX Address to be deleted : XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX FL XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX Hard inquiries not recognized and needing removal : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, GA 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 2019-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am filing this complaint because XXXX, transunion and XXXX   has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts, i disputed. being that they have gone the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue 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 2017-08-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently have 2 Federal Stafford Loans that are current and never a late payment. In XX/XX/XXXX I applied for auto payment to receive a interest rate reduction. This was scheduled to begin in XX/XX/XXXX. However, Navient cancelled the auto payment stating in an online letter that " This month 's student loan payment could not be deducted from your bank account based on information provided by your bank. As a result, we 've terminated your participation in Auto Pay. We suggest reaching out to your bank to ensure there are no issues with your bank account. '' I contacted my Bank and was informed that Navient never attempted any contact with XXXX XXXX. When I spoke with Navient I was told I gave them the wrong account information. 
Because this is the second time I have attempted this with Navient, I took screen shots of the account information provided, so I have documentation that this statement is in fact false. 
I believe this to be a delay tactic by Navient to stall interest rate reductions. I would like this published ; because I am sure this is standard operating procedure to deny attempts of auto-pay and interest rate reductions. Thus resulting in untold amount of interest profits for the company each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: AMERICAN EXPRESS COMPANY
State: MN
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 rewards from credit card

Complaint:
I previously filed a complaint against American Express with the Consumer Finance Protection Bureau for this matter and that complaint number is XXXX. The original issue remains in that I was promised a referral bonus if the person I referred was approved for a new credit card, in this case the XXXX XXXX XXXX XXXX XXXX. The original details of the issue are documented in complain XXXX and a copy of that complaint is attached to this complaint for reference. 

The reason for this second complaint is that American Express responded to the original complaint and stated that they deposited the XXXX XXXX points for the referral bonus. They did not. I verified with XXXX that American Express did not deposit the XXXX points at or around the date they said they did, and also confirmed with XXXX that at no time during 2018 did American Express deposit any XXXX points into my account. 

Therefore, American Express negligently claimed it had resolved the problem when in fact it did not. 

I am requesting again that American Express deposit the XXXX XXXX points that it owes me for the successful referral I made to their benefit and now I am asking for an additional XXXX XXXX points because of the several hours of time it has taken to document this issue and communicate with American Express, XXXX, and the Consumer Finance Protection Bureau regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: EQUIFAX, INC.
State: NY
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 am filing this complaint because XXXX, XXXX and equifax has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts, i disputed. being that they have gone the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with explanation