BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, and thank you for your help in advance. 
I sent a complaint XX/XX/2020 to you regarding fraudulent activity on my US Bank Reliacard. You replied to my complaint and let me know that US Bank is working on this issue as of XX/XX/2020. I still have not heard from them. ( Complaint ID XXXX ). 

I have a new issue to report. They finally released the {$4400.00} that was on my new card to me on Friday XX/XX/2020. This was Unemployment money that was building up on the card while it was on hold, pending Identity Verification. I was advised by Reliacard to take the money off the card as soon as possible, due to the high level of fraud on these cards. I immediately went to the ATM, withdrew {$500.00}. Then, went to my bank, had the bank employee transfer {$1000.00} to my checking account ( Daily Limit of {$1000.00} per transfer ). This brought the balance down to {$2.00}, XXXX. Plan to do this daily until all the money was transferred. 

On Sunday, I went to the ATM, to try and withdraw additional money. Checked the balance first, and noticed there was {$2000.00} missing, again. I tried to withdraw money, " Amount entered will exceed the daily limit ''. 
I immediately called US BankReliacard. I spoke to a Supervisor, XXXX. They will again send me fraud paperwork. She, for the first time ever, asked me for my email address. The email she had on my account was XXXX or XXXX. She didn't save it, too late to verify exactly. So, the name attached to this fraud is again XXXX XXXX, she lives in XXXX. We also have a phone number and home address, as well as her last 5 or 6 addresses. I am continuing to investigate this on my own. 

Today,, I went to my bank, and they transferred {$900.00} from my card to my personal bank account. There is actually {$1.00} on the card as of right now. 

Additionally, I have never been able to open an online account with US Bank. Apparently, this person I mentioned earlier had an account all along, using my information with her email address. I provided my email address to the Supervisor yesterday. She was stunned, and admitted to me that this is apparently how these 3 fraudulent transactions occurred. The daily limit to withdraw funds by computer is {$2000.00}. 

Thank you again for helping me. I have contacted the police, and will again file a police report. I am waiting for a call back from them. 

This fraudulent transfer of funds was at XXXX XXXX on Saturday, XX/XX/2020. It was done by computer. This information was given to me by the Supervisor at Reliacard. 

Sincerely, XXXX XXXX XXXX Sincerely, So, now she has stolen {$6000.00}. I am on my last week of unemployment, actively looking for work.

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Child Support is unconstitutional being report in your credit 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 explanation
Consumer complaint received 2022-07-25
Company: AmeriHome Mortgage Company, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When covid started back in 2020. My husband and I struggled to get back on our feet after my husband got laid off for almost a whole year. I XXXX XXXX XXXX  also lost a lot of income because families weren't working, and they were keeping their children home and having to be closed a lot of the time due to covid symptoms and having covid in daycare. We tried to work with our mortgage company, and they denied us with help with getting our mortgage up to date. We started getting back to more normal and my husband had to find a new job due to being laid off for so long. We are finally back on our feet but are late on our mortgage payments. We have asked the mortgage company if I could pay $ XXXX {$10000.00} and they told me I couldn't it had to be the full amount what's due. Through this whole time, they wouldn't let me pay anything unless it was the full amount. Which I think isn't right and was told that's illegal from my counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: VA
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:
Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Im XXXX XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: LA
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'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 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 explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: TX
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:
Account has been closed since XX/XX/XXXX. Company is reporting the account is open and Im currently 180 days late as of XX/XX/XXXX. This account is a charge off and has been reporting as such for four years. This inaccurate information. And is hurting my credit with false 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 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Upon receiving my credit report from all XXXX Agencies I found that TransUnion was the only XXXX to have my former foreclosed property from XXXX on my report. I put in an online dispute but after more than 30 days of not receiving a response I called. When I gave them the needed information to verify my reason for calling she stated that she could not see my dispute. She informed me that she could see that XXXX has me CURRENT : PAID or PAID AS AGREES. I informed her that I foreclosed on that home in XXXX and moved out XXXX XXXX. I sent in all needed verifications including the complete credit report with XXXX circled, proof of the sherif sale that the XXXX XXXX XXXX stapled to the home and all of the notices that several credit Agencies sent to me. I sent all of this certified mail, return receipt request XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX I receive a letter from TransUnion stating " Base on the information provided to TransUnion, our records show that the information you disputed does not currently appear on your TransUnion report. XXXX the post office tells me that the zip code for them online is wrong, and it is. XXXX I was told that they could not find my online dispute, that I know for a fact I did on XXXX XXXX, XXXX and now they are saying that XXXX {$68000.00} is not on my credit report when I am looking at it right now. It clearly states that the last payment made was XXXX/XXXX/XXXX but update XXXX/XXXX/XXXX. So on XXXX XXXX it was seen by their employee but now it 's gone, per TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: AMERICAN EXPRESS COMPANY
State: NY
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 paid the annual ( XXXX $ ) fee to American Express to link both my corporate card and personal card to receive membership rewards points. YTD I have not received any points associated with my Corporate Card although i have made all payments in a timely manner. I launched an investigation on XX/XX/XXXX with American Express after chatting with an online representative who confirmed they could not see any points related to my corporate card purchases in my online portal. Today, XX/XX/XXXX, I called AMEX to follow up on my dispute, I have been on the phone for 50 minutes and been transferred to 4 different people in the process. My issue is still outstanding and I would like to file a complaint. YTD I have spent 30k+ on my corporate card and am owed the points associated with these purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: SYNCHRONY FINANCIAL
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Synchrony Bank declined issuing me a credit card because XXXX Credit reporting agency erroneously reported my death ( Synchrony Bank says XXXX says, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to XXXX, XXXX, TX, on XX/XX/2022 ; I also reported the error to Synchrony Bank, XXXX, FL. on XX/XX/2022. 

Synchrony Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach XXXX by phone ( XXXX has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but Synchrony Bank refuses to use any information other than the credit information provided by XXXX. 

XXXX reported my death OR the credit reviewing officer at Synchrony Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a Synchrony Bank credit analyst ). Synchrony Bank sez 'Synchrony can do nothing unless XXXX corrects the erronous information ; Synchrony Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did XXXX think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a XXXX product. 

Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank ( XXXX  decider ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY 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 2019-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card balance was only {$800.00} when I fell behind and capital one is charging me almost 100 percent interested I also contacted capital one numerous of times for a copy of my contract to see how and why its so high of a balance in my credit and they have not sent me nothing on 6 months I been asking

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/19 a credit that posted to my account was taken back in the amount of {$75.00}. Instead of my account being negative {$50.00}, the bank back dated the funds and charged an overdraft fee for each occurring charge after the back date and placed a negative account balance of - {$160.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have tried to get a credit card or a loan from a bank and for some reason my credit can not be pulled by this Equifax. when I even call them sometimes they wont even talk to me because on person may have put through the wrong information or the other one I talk to does and can some what talk to me. I have spent on the phone more than 3 hours at one time and then 2 with someone else. it has been wholly XXXX for me not to mention the bans that have turned me down because they get nothing when they pull it. I can not even pull it when I go on line and try. it is so unfair. my other two bureaus I can pull. I also requested for early release of 3 months before my bankruptcy because will be 10 years and they will not reply. but the other credit bureau has replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: OH
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 have mailed several letters to the bureaus in efforts to correct some misleading information on my credit report. The bureaus have not responded to the requests.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX Bank declined issuing me a credit card because EXPERIAN Credit reporting agency erroneously reported my death ( XXXX Bank says 'Experian says, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to Experian, XXXX, TX, on XX/XX/2022 ; I also reported the error to XXXX Bank, XXXX, FL. on XX/XX/2022. 

XXXX Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach Experian by phone ( Experian has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but XXXX Bank refuses to use any information other than the credit information provided by Experian. 

Experian reported my death OR the credit reviewing officer at XXXX Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a XXXX Bank credit analyst ). XXXX Bank sez XXXX can do nothing unless Experian corrects the erronous information ; XXXX Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did Experian think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a XXXX product. 

Please help, and if appropriate - issues santion/citation against XXXX and XXXX Bank XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY 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 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was recently rejected for employment I'm assuming for the following reasons. ( please see attachment for further details ). 

Because of the multiple inaccuracies and violations on my credit report my recent employment application was denied for adverse action. This is the 4th time this has happened because of the multiple inaccuracies mentioned in my credit profile. 

( XXXX XXXX XXXX XXXX ) currently reports Unverifiable account balance & reaged account. A violation ( XXXX XXXX XXXX ) / XXXX XXXX XXXX  ; This balance is inconsistent but also Unverifiable, and inaccurate. A violation ( XXXX XXXX XXXX ) does not reports first date of delinquency a violation. 

( XXXX XXXX ) unknown account, Unverifiable ; violation ( XXXX ) -unknown account Unverifiable ; violation ( XXXX XXXX XXXX ) first date of delinquency not reported, last payment not reported correctly. Violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: APR or interest rate

Complaint:
I am being charged monthly for interest and there are no eligible purchases that warrant the interest charges. The only eligible interest charge was paid and reversed. I have made many calls and have been told different things by different representatives. Last month, I was told if I pay over {$70.00} towards my balance ( from a non-interest bearing balance transfer ) that I would clear any charges in the past that might be charging interest. I paid {$100.00} and I am still receiving the interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation