BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I received a notification that my account was closed. I never received a notice from the bank stating why it was closed. I contacted the bank on the same day to find out why my account was closed, and the representative stated my account was closed due to suspicious activity which is completely inaccurate. I've never made any suspicious transactions on my account. My account had over XXXX at the time of closure. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-09-22
Company: DISCOVER BANK
State: FL
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 balance transfer

Complaint:
I requested a balance transfer from my Discover card to one of my XXXX XXXX  cards of {$2400.00}. On XX/XX/2022, XXXX XXXX paid Discover for the balance transfer. Discover claims they can not find the funds. I have provided documentation from XXXX XXXX. Discover has yet to remove the balance transfer from my account and it has been XXXX months. I filed a separate complaint regarding another balance transfer of {$1300.00} done on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In response to a splash invitation when I was online with citi.com, on XX/XX/22, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$90000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/22 ) with very little information about why this action was taken and when I would get my money back. When I tried calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. I was rudely treated by the Citi phone representatives, with one of them even hanging up on me during an otherwise civil exchange. 

Because there was an opening bonus incentive ( {$450.00}, if memory serves me ), I immediately started making XXXX deposits after opening my account, and had over {$100000.00} on deposit within just over a week of my opening the account. I then authorized some XXXX withdrawals, one of {$10000.00} on XXXX XXXX, and another of {$10000.00} a few days later. Because of that second ACH withdrawal, a fraud alert was triggered, and I was telephoned by Citi to confirm that the XXXX transactions were legitimate, which I did confirm with the fraud representative. Nevertheless, my account was frozen and eventually closed ; when I attempted online access, I just encountered a nondescript trouble signing on message that led me to contact Citi agents for help, but initially, the agents didn't even understand the status of my account and what I could do to fix it. 

I don't understand why my account was closed even after I confirmed the legitimacy of my ACH transactions. I don't understand why I was not immediately sent at least an email explaining that the fraud investigation was continuing, and what steps I should take to resolve the fraud suspicion. I don't understand why I was not personally contacted by a Citi representative for instructions on how I wanted my money refunded. I don't understand why I was rudely treated when I attempted several times to talk with a Citi agent to get resolution. I don't understand why the letter sent me had so little information, including incorrect number instructions for reaching the appropriate department. I don't understand why, as of today ( XX/XX/22 ), I still have not received my refund check, nor has Citi given me a clear idea of when that will happen. 

I have phoned Citibank five times about this, repeatedly asking for elevation of my issue. Today, I finally reached a supervisor ( XXXX, # XXXX ), but he just told me that he has no way to contact the Citi department that has jurisdiction on this matter, and he refused my request to elevate the matter to a competent authority.

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 2022-09-22
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. The truck 's engine light came on XX/XX/XXXX. I asked Ally Financial to take the truck. It's a lemon. 
They said they will come for the truck sale the XX/XX/XXXX. Upon they receiving the truck, they will market the truck, any money remaining from XXXX dollars. 
I would have to pay maybe {$25000.00}. I don't feel that I should pay anything. The truck is a lemon. I am XXXX XXXX XXXX. This was fraud Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA 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 2022-09-22
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around. 

Here are the companies and dates of inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-08-28
Company: Experian Information Solutions Inc.
State: LA
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 have a right to privacy and i never have XXXX XXXX permission to furnish a report on me. 
15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

XXXX XXXX never notified me that i was late on a payment which violated 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment due date.

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 2022-07-02
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/3018 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was involved in a car accident on XX/XX/2022 in which my car was declared a total loss by my insurance company XXXX. My claim adjustor from XXXX has been trying to contact truist bank 's total loss department since Wednesday XX/XX/2022 and he continues to be sent to voicemail. He has left several messages and no one from this department has called him back. He asked me to call as well and I have also called and left numerous messages and I have yet to receive a call back. Yesterday XX/XX/2022, we called Truist bank 's XXXX loan customer service department together on the same line and spoke to a representative. He asked her for assistance in resolving this matter, such as a letter of guarantee which is needed and she said " I can't assist with that, only the total loss department can assist you ''. We advised her that we both have been calling the total loss department ( phone number XXXX ), since Wednesday with no response and she said, " You just have to keep calling and eventually someone will answer ''. We advised her that this was very unprofessional, but she continued to advise us there was nothing she could do on her end since only the total loss department handles the letter of guarantee. She transferred us once again to the total loss department in which we were sent to voicemail and he left another message detailing the purpose of his call with his name and phone number and my account number and stated for someone to please call him back. Progressive insurance is ready to pay off the car, but Truist has not been of any assistance with this matter. I am left without a vehicle and I will now have to make another car payment on XX/XX/2022 which is the due date for a car I no longer have, because we haven't been able to contact the total loss department. XXXX will not pay the full amount, therefore once they pay their portion, I have to file a claim with my gap insurance so that they can pay the remaining portion. I have not been able to resolve anything with Truist bank. I am currently renting a car from XXXX which I will have to pay from my own money starting Monday XX/XX/2022 since my insurance will not cover me after 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 monetary relief
Consumer complaint received 2022-07-02
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX opened XX/XX/3018 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 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 2023-11-01
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus Equifax XXXX and XXXX are reporting items on my credit report due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX  is still on my report and should be deleted also enclosed find idenity report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Case Number # XXXX Me and wife open a joint account with HSBC bank on XX/XX/XXXX On XX/XX/XXXX i deposited XXXX checks thru my mobile app but prior to that i also deposited a previous check to which i not sure of the date. 
On XX/XX/XXXX i received a call from HSBC Fraud department asking question about the checks and why the address on the checks was different then the address on file. After explaining to them i just moved and started a new job which explains the change in address i was told it would take up to five days to verify the checks. Much after the fives days has passed on the XXXX of XX/XX/XXXX my wife who is on the account went into the branch to inquire about account and make another deposited was told that the account was close and a check was sent in the mail with the balance that was in the account. The bank manager did not provide any information as to why the account was close. I thought that was strange so i called the HSBC Fraud department that same day and was told that the checks could not be verified by the company and they were bad checks ( fraud ). I contacted my employers and the told me that the checks were cashed and deposited by the bank. I called HSBC again on XX/XX/XXXX and was told that something different from the previous calls. I was told that the checks was deposited and because my account was being close and was in pending it would take up to 90 days to received a letter explaining why my account was being close and the remaining balance from the joint account. I was connected to manager during that same call and told we needed that money fro rent and 90 days with no explanation about the account was unacceptable. The manager Name was XXXX and she said to her a couple of days to reach out the back office and provided us with our case number XXXX. Two days later XXXX XXXX informed me that she did not receive any information from the back office and i would just have to wait. Can you please help me get a explanation and our money back we have bills and still recovering from Covid 19 financially. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail from Chase bank stating that I did not receive a credit card when I had never applied for the credit card. The card was a Chase XXXX signature business credit card. I was looking for additional information to see if I can figure out where this application came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX 1.XX/XX/XXXX2. XX/XX/XXXX 3.XX/XX/XXXX XXXX XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX  6.XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXXXXXX  9. XX/XX/XXXXXXXX XXXX 10. XX/XX/XXXX XXXX XXXX  11. XX/XX/XXXX XXXX XXXX   12. XX/XX/XXXX 13.XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Lamont, Hanley & Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX Creditor : XXXX XXXX XXXX Customer : XXXX Account : XXXX Billing sent me before i payment {$100.00} and after that I never see billing sent to my home. 
Now i see mail for LHA send need i pay {$790.00}. I see they said im paid or were credited this amount towards the debt {$0.00} Can you check back. Im trying to send email at XXXX but this email cant send. 
I want to payment but I dont have money for pay XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, 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.

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 2022-09-22
Company: Atlanticus Services Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around. 

Here are the companies and dates of inquiries XXXXXXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief