BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions these accounts listed below have violated my rights. 

Account name : XXXXDept of ED account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a vanilla prepaid Visa card at XXXX because I needed a card until my bank could mail me my new debit card. I paid {$4.00} for the card and put {$300.00}. On the card at XXXX. I tried to use the card multiple times only to find out it was frozen every time I had to call the XXXX number and wait on hold for no less that XXXX minutes each time once at a gas station the clerk actually let me borrow money to get back home humiliating! I finally got a hold of someone that basically told that if I didnt like it that they would change the card as compromised and it would be XXXX XXXX until they finished the investigation I hung up and today after over a XXXX on the phone Im told my card has been canceled and they will send me a new card in the mail after XXXX XXXX I have no idea how they can be in business still. I needed to pay a utility bill and I cant now this is unacceptable I have a child with special needs that needs the electric on and I have never been treated so rudely before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: MVBA, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by the XXXX XXXX XXXX concerning an unpaid traffic ticket. The left a message on my cell phone ( which I saved ) saying to contact them concerning a legal issue. This is in violation of the TCPA and the FDCPA. I contacted the city where the ticket was issued and they were shocked and recommended I file a complaint with you.

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 2017-02-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Huntington Bank 's decision to stop using deposit slips is not customer friendly. I have just made a deposit of several hundred dollars and it took three times as much time to complete the transaction as it normally would. I think that the customer should still have the choice to use a deposit slip or not. 
I am a very annoyed customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have received " targeted offers '' from Chase for the " XXXX Mileage Explorer Card '' for several years. I have applied 2-3 times in the past and been rejected for mediocre credit worthiness. Since I had received several new offers, which mentioned bonus XXXX miles, and did not have a card for XXXX yet ( and DO for the other XXXX legacy carriers that charge bag fees, XXXX and XXXX ), I applied for their card / offer. The offers I had received mentioned " annual fee of {$95.00} waived first year '' as part of the marketing, and this was consistent with advertising that was seen in billboards and in print advertising. I applied for the card, and to my surprise, was approved. Several days later, I noticed they had immediately charged the {$95.00} annual fee to the account. I sent several email inquiries to Chase, and each one said the fee was justified, because my " targeted offer '' did not include the annual fee waiver, despite what I had seen on my offer, as well as consistently in their advertising. One of the last emails I had received, when I escalated it, complaining of their fraudulent marketing, basically said that because I had applied online ( as one is apt to do these days ), the annual fee waiver was not honored in my case, and there is no way to change it at this point. They basically admitted they used deceptive marketing practices, refuse to honor their " card benefit '' of " first year annual fee waived '' and despite all my email attempts, will take no further action, basically saying I was penalized for applying online. They do not care that I have discussed filing complaints with the CFPB and my state 's attorney general, as they, as a big corporation, really do not care about consumers, and consumers ' rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I visited the store XXXX and the staff said nothing they can't do. So XXXX called BEST BUY to get my lap top 'total tech ' refund and called them XXXX and they hang up. Called another number and said couldn't help. It has been XXXX XXXX since i canceled the extended warranty. I want to BEST BUY to either refund the whole {$390.00} or extend the warranty to XXXX XXXX  for XXXX device. I purchased the extended warranty thru the BEST BUY credit card.

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 2022-04-08
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:
I MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT ACCOUNTS

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 2021-03-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
USAA Savings Bank issued a credit card in my name to someone else in a different state on XX/XX/2020. I did not find out about this situation until approximately one year later when being contacted by a collection agency. I have contacted USAA concerning this issue and they refuse to talk to me directly nor rectify the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
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 the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, 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 2020-03-24
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: Information belongs to someone else

Complaint:
I HAVE COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir XXXXMadam I made a XXXX  payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX in the amount of XXXX USD on XX/XX/2022 with purpose to prepaid a purchase of apartment in XXXX XXXX reference number is XXXX ) or ( Tracking reference is XXXX ) This payment was rejected by XXXX XXXX XXXX XXXX XXXX XX/XX/2022 but as of now the money didn't return to me because the Bank of America N.A XXXX is held it without explaining the reason. 
My Bank ( XXXX XXXX ) on behalf on me sent requests to return the funds on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
As of today XX/XX/2022, according to the information provided by my bank ( XXXX XXXX ( XXXX ) ) the transfer is held by Bank of America N.A. ( XXXX ) as a corresponding bank. Bank of America ignored all requests and messages from XXXX to refund the money. 
Also i tried to contact with Bank of America directly by myself. I sent them a messages via e-mail. they also ignored me and my kind requests to refund my money to my account. 
I provided all necessary documentation for this transfer such as : contract and other supporting documentation. I'm not included in any sanctions black lists. The origin of these funds is my salary from international company in XXXX Attached is the copy of the promise of purchase agreement with XXXX company who sells me an apartment in XXXX XXXX, XXXX tracker of money transfer and request for refund that was sent via swift

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 2019-02-18
Company: EQUIFAX, INC.
State: UT
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:
Equifax and XXXX are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: PNC Bank N.A.
State: NJ
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 have problum with PNC bank auto department. last month XX/XX/XXXX, I call about payoff amount they told me {$14000.00} which they took from my acct XX/XX/XXXX I told them please cancel my auto debt from my acct, They told me we cancel auto debt, XX/XX/XXXX they took {$5000.00} again from my acct, I call pnc bank they told me by mistake we took but we will reemberse XXXX back to your acct today XX/XX/XXXX I call them do you send money but their answer it will take another 7 days to send ck, is it fair when we owe bank they charge interest every day so their mistake we suffer to get our own money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Chime Financial Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I've already had a dispute with them resolved a XXXX XXXX before this issue occurred on XX/XX/2022. Logins front different XXXX were accessing my account login ( XXXX XXXX XXXX XXXX XXXX ). I stay in XXXX. I provided screenshots to Chime showing that at XXXX someone from XXXX logged into my account and at XXXX money was transfered to an individual I do not know. I also showed I did not log in until XXXX and my XXXX XXXX has had me at work from XXXX in XXXXXXXX XXXX so I could not have authorized this charge. They keep denying my claim no matter how many screenshots I show of XXXX states accessing my account and my location.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my 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 2021-03-16
Company: CURO Intermediate Holdings
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is reporting a Closed XXXX account on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times and spoke with XXXX to have the Closed Charge-off XXXX Fraud account disputed, investigated and removed,. Experian continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX, I did not give authorization to XXXX or any creditor to open an account in my name. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.

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 2015-12-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
There was fraudulent activity on my account and I was told that I may just get my money back right away or I may get some paper work in the mail first. I said that was fine, well a week goes by and non paper work and no credit. I went to a branch and they told me in 7 business days id get a provisional credit to my account while they further the investigation. Well nothing still. No one has contacted me about anything and no mail. I call the bank today and the rep was rude, they got loud with me and told me that it may take up to 90 days for me to get my money back. This is unacceptable customer service. I am switching banks asap.

Company response to consumer: Closed
Consumer complaint received 2016-09-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in Chapter XXXX. I have decided to sell my home and payoff my bankruptcy. On XXXX/XXXX/16 I asked for a payoff quote that I received and was good to XXXX/XXXX/2016 for the amount of {$88000.00}, which I agree with. 
The sale fell through. I now have a contract to sell the home and close on XXXX/XXXX/2016. On XXXX/XXXX/2016 I requested another payoff amount. It was sent and good through XXXX/XXXX/2016 for the amount of {$130000.00}. This is impossible. The difference is in interest and escrow advance. There is no way it has gone up over {$50000.00}. I have called them twice and get the runaround. They say it is being reviewed. 
Yes, I have been paying my house payments.

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

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a XXXX purchase on XX/XX/2021 online using XXXX payment services, making a downtown payment for {$61.00} using my NFCU debit card ending in # XXXX. I decided to return the product on XX/XX/XXXX back to XXXX through XXXX. NAVY FEDERAL CREDIT UNION TOOK IT UPON THEMSELVES TO POST MY CREDIT TO THE WRONG ACCOUNT AND DEBIT CARD ENDING IN # XXXX ON XX/XX/XXXX. I CALLED NFCU TUESDAY MORNING ON XX/XX/XXXX. 
THEY LIED REGARDING MY CREDIT SAYING XXXX POSTED MY CREDIT TO THE WRONG ACCOUNT. THAT'S INACCURATE INFORMATION BY NFCU. 

I RECEIVED AN EMAIL FROM XXXX ON XX/XX/XXXX SAYING THEY WILL CANCEL ALL MY REMAINING PAYMENTS AND REFUND ME MY {$61.00} GOING BACK TO MY CARD EBDING IN # XXXX. 

I RECEIVED AN EMAIL FROM XXXX ON MY PURCHASES AND REFUNDED. 

PLEASE SEE ALL ATTACHED EMAILS AND RECEIPTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Since late of 2019 Ive been in contact with the Chex Systems company where as i told them they had inaccurate information reporting through system. Since I've been denied bank accounts and lines of credit. I've asked them repeatedly to fix and remove these items at one point they did only to turn around and place the false information back on their report. 
All this information listed below is inaccurate : ADDRESS NOT ASSOCIATED WITH ME : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE NUMBERS NOT ASSOCIATED WITH ME : XXXX, XXXX XXXX XXXX XXXX, SUSPECTED FRAUD ACTIVITY ACCT 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 2020-03-24
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
get repeated calls from MRS Associates from XXXX and ask to be on the do not call list and they keep calling during bad times with covid-19 and I'm unemployed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. Account XXXX XXXX : # XXXX Account XXXX XXXXXXXX XXXX # XXXX. They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

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