BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I disputed an amount of {$130.00} for a charge on my account that should not have happen with US Bank. I received a rental car from XXXX XXXX after an accident with my car. The other person 's insurance company had to pay for the damages. I was to receive a rental car during the time my car was in the shop. I was told by XXXX that I will not be charged for the rental, just the holding fee of {$50.00}, which will be returned to me after I return the rental car. I received the rental on XXXX XXXX, XXXX and returned the car on XXXX XXXX, XXXX and my balance was at {$0.00}. A week later on XXXX XXXX, XXXX, my bank account had a charge of {$130.00} from XXXX XXXX which put my account in negative and received an overdraft fee of {$36.00}. I contacted XXXX and was told by the Manager, that she was sorry, she did n't know how to process a rental through the insurance company. I asked for the payment to be credited back into my account and was told they can not give credit after the rental agreement has been closed. I was shocked, after they took my money when the agreement was closed. I then contacted US bank to dispute the claim, I was given credit back in my account after 10 days from XXXX XXXX, XXXX. I did not receive the dispute paperwork until XXXX XXXX, XXXX. I sent over receipts from XXXX that showed my balance as {$0.00} and receipts that show they billed the insurance company. My dispute claim was denied after US bank card service received information from XXXX that the insurance company sent me a check after I disputed the amount. I was charged several overdraft fees in the amount of {$320.00} from the beginning of my dispute to now. Recently, I was charged {$280.00} of overdraft fees on Wednesday XXXX XXXX, XXXX, Thursday XXXX XXXX, XXXX, and Friday XXXX XXXX, XXXX. Overall, US Bank should have protected my account after I explained to them, that I should not have been charged in the first place. Instead I 'm stuck with multiple overdraft fees and I ca n't pay my bills for the month. US Bank did take into consideration that I did not authorize XXXX to take that amount out of my account. I spoke to several bankers, the claim department, as well as the bank manager that I open my account with, about removing the overdraft fees and all they say is there 's nothing they can do until I send in paperwork showing that the insurance company paid XXXX XXXX directly. Instead of the bank charging me 1 overdraft fee of {$36.00} for the forced charge back on my account in the amount of {$130.00} that occurred on Wednesday XXXX XXXX, the bank charged me 8 overdraft fees for my purchases made before this forced charge back. This is unethical practices and I will like someone to look into my 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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed this creditor on my credit report XXXX. with Transunion and XXXX  more than several times and I just keep getting the same result despite my efforts of sending documents to support this claim against this creditor. I have filed complaints on this creditor a long with a compliant about XXXX. some years ago. since then I have filed a lawsuit against them for violating the Debt Collection Practices Act. and they are reporting the account closed but. also the Transunion and XXXX  keep putting remarks on this account saying its affected by natural Disater it is not a current student loan it is over thirty years old its just been updated because the THE GOVERNMENT KEEP LETTING THIS COMPANY OPERATE WITH THEIR RUTHLESS PARTICES DESPITE ALL THE COMPLAINTS AGAINST THIS CREDITOR. DESTORYING PEOPLE CREDIT AND LIVES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Scott Fetzer Financial Group Inc.
State: FL
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:
To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have contacted Citi Bank on several attempts to try to withdraw my money. A wire transfer was sent to my account to assist me in paying bills. After several attempts trying to connect my ATM card to XXXX of my other mobile apps to make transfers I was denied by the bank. I contacted the bank to let them know that it was not fraud that it was me trying to utilize my ATM card to my XXXX and my cash app. I then went to the ATM machine and was successful to make a few withdrawals but I still needed the rest of my funds in order to complete my bills. So I contacted Citi Bank again to inquire why I was unable to do so. I was informed on my first call that my account is on hold on my second call I was informed its in review on my third call I was informed my count was closed and in 30 days I would receive a letter I called back and inquired about the balance that remain in my account for {$3900.00} I was informed in 30 to 60 days I would get a check and a letter. I called again because I did not receive a check or a letter and I was hung up on. I finally made a call after 63 days and I was inform that I will not be getting the balance that was left in my account of {$3900.00} and no letter was sent.

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 2022-06-18
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I currently have a Coinbase account in which an unauthorized transaction was made on XX/XX/2022 at XXXX. {$540.00} was taken out of my stored USD Coin which is attached to my Coinbase Visa card. It says it was spent by my Coinbase card but there is no history or merchant that processed this transaction. I submitted a ticket with Coinbase and still have no resolution. Ticket # XXXX. Spent XXXX minutes on the phone with Coinbase support on XX/XX/XXXX where they placed this ticket. They had no explanation or resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2020-02-12
Company: Incomm Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I was trying to pull money off my card to pay my rent. The card said daily limit so I called card issuer. I verified with the same information like always except this time the lady on the other end said I couldn't verify the information she had and froze my account. I jumped through their loops sent in copies of the requested documents and waited the time frame. Incomm has yet to do there job in the allowed time and can't be reached by phone. Myvanilla just keeps apologizing and giving excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: MA
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:
There are many fraudulent things i saw on my credit report that I didnt give permission to experian to put on there. Once i saw these things I sent them multiple letters needing verification and deletions regarding these items. I gave them the allowed 30 days and didnt receive anything in the mail nor did i get the items removed. This is my next step in the process into rectifying the situation to my liking. I feel like Im being discriminated against and Im having trouble extending credit with these things on my report. The following are wrong XXXX XXXX isnt my name so i want that and anything related to that name deleted. My address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Massachusetts XXXX. So any other address i want deleted as well. My job is XXXX XXXX so any other job i want deleted. There following account arent verified and i want deleted immediately : XXXX XXXX XXXX, collection XXXX, collection XXXX, XXXX XXXX  XXXX, and XXXX XXXXr 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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Capital One Auto is in violation of the FCRA, an account can not be reported as " paid in full '' while also reported as a collection/charge-off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This compliant is regarding numerous letters mailed and faxes to XXXX, XXXX, and Experian Credit Bureaus since XX/XX/XXXX, I have kept documentations on when letters have been mailed and when they have been received by XXXX In these letters I disputed very old accounts that contain concerning information which is not correct and it is affecting my credit report and score. I disputed the accuracy of account # XXXX from XXXX XXXX  and the three accounts with XXXX XXXX accounts #  XXXX. 

These items are in violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), I have never owed this company and wrote XXXX, XXXX, and Experian about its accuracy and why it is appearing on my credit report. I have not heard anything from them and asking for proof to show which has been continually ignored and not provided. I have also repeatedly asked for evidence to support there reporting and their method of verification and they have failed to comply accordingly.

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
THIS IS NOT A DUPLICATE TransUnion responded improperly to my claim, submitted on XX/XX/2020. TransUnion only sent an acknowledgement and not a response which is unacceptable. My dispute was also completed/closed without providing me with any status/information ( deletion of unauthorized inquires & XXXX XXXX XXXX, which has been settled ). 

I am having problems with TransUnion on my existing claim and not providing me with their resolution or status. My credit report was not fixed and I need TransUnion to respond and not acknowledge my dispute and fix my credit report immediately. Theses inaccuracies are hurting my ability to obtain credit. I should not have to resubmit a claim when all TransUnion had to do was respond to the one submitted on XX/XX/2020 and not close it without providing me with any 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 2020-02-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
On XX/XX/20 I received an alert on my credit file that a collection was added. I have no knowledge of who the creditor is, the amount owed, I never received any statements, I have no contract, Midland Credit has never sent anything to me and my current address of 10 years and I have no known knowledge of this matter. I found the account number on the negative listing on my credit report ... The only way I saw how to contact is it being listed on my credit file. I am requesting that they immediately delete and clear up this matter and remove and negative from all 3 credit bureaus immediately. 

I did mention in my letter attached that this could be very well another part of my identity theft where my social security was compromised and I have been dealing with this for over a year to clean up the anguish caused. So now this!!!! 

I have also provided the Federal Trade Commission Affidavit number for my identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This compliant is regarding numerous letters mailed and faxes to XXXX, Equifax, and XXXX Credit Bureaus since XX/XX/2017, I have kept documentations on when letters have been mailed and when they have been received by Transactioins. In these letters I disputed very old accounts that contain concerning information which is not correct and it is affecting my credit report and score. I disputed the accuracy of account # XXXX from XXXX XXXX and the three accounts with XXXX XXXX accounts # XXXX. 

These items are in violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), I  have never owed this company and wrote XXXX, Equifax, and XXXX  about its accuracy and why it is appearing on my credit report. I have not heard anything from them and asking for proof to show which has been continually ignored and not provided. I have also repeatedly asked for evidence to support there reporting and their method of verification and they have failed to comply accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Professional Debt Mediation, Inc.
State: CT
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 spoke to an XXXX dispute rep today as well as a supervisor about an account that are still reporting inaccurately on my consumer report. I also explained that the accounts should be deleted as they are inaccurate. Account # XXXX - Prof Debt Mediation let me know they could not verify the debt so they requested to delete the trade-line. XXXX and XXXX have deleted Professional Debt Mediation. Yet, XXXX has not. Also, while on the phone with a supervisor explaining this at XXXX, I was hung up on. This is far from okay and I will be seeking out a lawyer to address the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is not allowing victims of their own data breach to place credit freezes on their account without charging them. I understand the process and that I can only supposedly get one with a valid police report, but I should not have to pay money to the entity that confirms it lost all my personally identifying information in a massive security breach. I would like my credit to be frozen on their end and I want them to reimburse me the {$20.00} I spent to put credit freezes on my XXXX and XXXX reports, as I should not have to pay for their mistake. I have attempted to call Equifax, find a way to contact them through the web, and have not been successful. Their automated system does not have any option to place a freeze without paying, there is no option to talk to a representative. I do not want to sign up for their credit monitoring and bind myself to their arbitration agreement. This is the single-most egregious thing a company has ever done to the American Consumer as a whole. I want my credit frozen and the cost of my freezes at the other two agencies reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: JPMORGAN CHASE & CO.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had many transactions happen that were unauthorized and chase bank has repeatedly denied my claims for invalid reasons, there was unusual activity on my account. New logins, and new accounts.some being on the XXXX XXXX then XXXX XXXX within the same hour on the same device. Ive spoke with many supervisors who highlight their findings for the review team, but they still deny my claims. I received a letter saying I would receive temporary credit within 4 days, but when I call to check status of the credits Im told thats a generic letter. Its actually 10 business days.. Even after I reported the transactions ; more were permitted on my account, but I didnt even have a card to make a charge from. Instead of the back team revising my claim to find the fraud : theyre looking for any reason to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, INC.
State: CA
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 submitted a dispute online via Equifax website. I asked for validation of an item on my credit report. On XXXX/XXXX/XXXX, Equifax informed me that they had concluded my investigation by determining that the item was correct. I did n't receive documents showing me what was used to VALIDATE the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Equifax has mishandled my information, did n't notify me, and now has cost me several hours, some money ( to freeze my credit with three bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation