BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX an ACH was set up to transfer funds into my PenFed account. The ACH was processed successfully the next business day and PenFed put a deposit hold until XX/XX/XXXX. I have attempted to access the funds multiple times since then and PenFed has continuously blocked my account. I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC addressing the availability of funds. That request has repeatedly been denied. Initially on XX/XX/XXXX I was told that they wanted me to supply proof that the funds had cleared the sending bank account. I resisted the request, explained that my rights to access the funds under Title 12 and Reg CC were being infringed upon, and the associate agreed with me saying that the account would be unlocked. He went on further to say that if for some reason the account was locked again I simply needed to say his name or provide his employee badge id to have it unlocked. Since then my account has been locked again and they have added to the documentation requirements. On XX/XX/XXXX I expressed concern to a supervisor that none of this made sense and I was concerned that I was being racially profiled by someone with access to the backend of PenFed 's system that was terrorizing my life by infringing on my rights under Title 12 and Regulation CC. The supervisor was immediately dismissive of my concern and went on to defend himself, as if I had said he was the individual racially profiling me. In the morning of XX/XX/XXXX I emailed a Unit Manager expressing the same concerns of Title 12 and Reg CC, along with the XXXX profiling. That email has not been replied to. On XX/XX/XXXX I had a conversation with another manager who insisted the additional documentation was required. My reply to him was that I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC regarding my access to funds in my account. He said it was a reasonable request but it has not been received. Also of concern, during that phone call the manager made a statement that PenFed captures and retains demographic information regarding their customers which only compounds my concern of XXXX profiling by someone with access to the backend of their system. In a separate conversation with another manager I read the language of the law in Title 12 and specifically asked if my request for an official communication that is compliant with Title 12 for funds availability was being denied ; rather than take the concern and request seriously the manager 's unprofessional response was to say that I was good at reading the script.

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 2020-10-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Apple & Goldman Sachs have failed to address their mistake that has impacted me. I followed up to dispute a transaction on my credit card. It has taken 6+ tries to get this addressed. This has been going on for months. Initially the attempts I made to follow up would eventually get disrupted by letting me know I was being transferred only to find out they were no longer transferring me. This happened 5 times in a row. I was following up consistently and this process was inefficient. When I finally thought this was addressed Apple  tried to charge me the {$300.00} transaction several months later. There was no given explanation why they moved forward with this. When I tried to follow up they said they emailed me requesting for further evidence, which I gave them on my own accord previously. They said I needed to respond to the email they sent requesting this. I asked for the date the email was sent because I received no such email. They could not provide the date. Now I'm in the process of trying to get this addressed. I asked to speak to a supervisor otherwise to get transferred to the dept. to close my account. They kept stringing me along until I said if I'm not transferred I'll take this as a threat you're holding me hostage as a customer when you can not help me nor do I want to be your customer. I was unable to close the account at this time because they are unable to address the charge that was already settled in XXXX. I informed them this was fraud that they kept trying to charge me for something that was previously addressed. I was told a supervisor would call me today at the latest XXXX XXXX. I have not received a call and have emailed Apple once again. I am unsure of how to proceed because they are passing the buck and are trying to tire me out from following through or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was presented with a credit card offer by Bank of America for a Travel Rewards credit card offering a {$250.00} sign on bonus, plus 1.5 % in rewards points. I clicked on the offer and went through the application process online. I received a credit card and utilized it for several months. I waited patiently for 4 months for the rewards and bonus offer to show on my account. I then decided to contact Bank of America to inquire into why I have not received these offers, and was told that this is not the card I applied for. I stated that I followed the offer that was presented to me online, as I would never sign up for a credit card without points or sign on bonus. I was told that they have the application reflect that this is not the card I signed up for. I let them know that there must be some issue in their system when being directed forward in the application that would have taken me to a card that I did not and do not want. I want to obtain the offers that were presented to me on the website despite what their system directed me to unknowingly.

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 2017-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to request the disputed amount case be re-opened to a full investigation about the line items that were purchased on  my Chase Saphire Reserve cr edit card.     I ordered  XXXX   XXXX   XXXX  on the rocks ( ~ {$12.00} ) and a cigar ( I dont recall the brand or exact price, I believe it was around {$14.00} ) and I left approx. a  XXXX - XXXX  $ tip. My transaction should be for around {$30.00} with tax and tip. I am requesting that  XXXX   ( Merchant )  pulls all credit transactions from that evening on  X/XX/17    used by the credit processing machine in their location for the amounts of  XXXX - XXXX  $ and supply them to Chase. You will find my line items  (   XXXX  + a cigar ) and my approval signature for those items with the transaction which you can have your chase fraud prevention team run a forensics test on the signature and compare it to the hundreds of transactions I have signed for in the past. You can clearly tell based on what the merchant sent and the copy of my drivers liscense it is not my signature on the  XXXX  $ charge, and I never approved this to be charged to my credit card.     I am demanding the amount be corrected for the transaction I approv ed ( {$30.00} ).      I asked Chase to ask the vendor to turn over all invoices from that night to see if there are any charges in the  XXXX - XXXX  $ range that have a  XXXX  and cigar on them and provide them to chase to match my signature. I also asked Chase to request the merchant turn over all data from the POS when line items were added to the machine, as I can prove by another transaction with  XXXX  that I was not even in the establishment when the invoice was started, thus proving I did not order the aforementioned on the invoice chase tried to use as evidence.     Chase has failed to escalate the investigation, and they have notprovided me with concrete evidence that proves beyond a reasonable doubt I did in fact purchase their laundry list of items on the invoice. All they provided was a signature that was not mine, a map of the location, and a vague statement from the merchant saying how they process credit cards. There was a clerical billing error and I am furious Chase sends back lackadaisical responses saying that their investigation agrees with their first discovery without sending concrete evidence. I have been done wrong here by Chase as they are holding me responsible for a transaction I did n't approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: HI
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:
Per the Fair Credit Reporting Act Experian and XXXX are reporting inaccurate information on my credit report from furnisher XXXX XXXX XXXX  account # XXXX which is a major United States Consumer Credit Reporting Violation! 
The balance being reported on my Experian Credit Report is showing {$1000.00} and from the same account, XXXX is Reporting the balance as {$10000.00}, this is a major violation, Also on the same account Experian is reporting the High Credit {$16000.00} and on this same account XXXX is reporting the High Balance as {$10000.00} which is another FCRA violation!, Also Experian is reporting the date last reported as XX/XX/XXXX, and XXXX is reporting the Date last reported as XX/XX/XXXX which is another FCRA violation!, also Experian is reporting the Date Last Active is XX/XX/XXXX and XXXX is reporting Date last Active is XX/XX/XXXX which is another FCRA violation!, Also Experian is reporting Date of Last Payment was XX/XX/XXXX and XXXX is reporting Date of Last Payment was XX/XX/XXXX which is another violation of the FCRA! also both agencies have not put the status of the account as " In Dispute '' which is a Violation! XXXX has followed the law and deleted this account for inaccurate information while Experian and XXXX are still reporting this account inaccurately and it should be deleted from my credit report immediately! Also 15 U.S.C. 1681 Section 602 A. States I have a right to Privacy, Also this account is reporting inaccurate name, address, and phone number associated with this account which is another 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 2023-03-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
For years, I was charged erroneously overdraft fees. If my direct deposit hit the bank at the same time as a check, check card purchase or auto pay ; I would be charged and overdraft fee.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are a list of Hard Inquires not authorized by me and without my knowledge XXXX  XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX OPENED XX/XX/2021

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have asked XXXX, XXXX and TransUnion for a more than reinvestigation 6 times. I have not been given this. I have formally asked by mail, I have asked by phone and I have asked online. I have errors on my credit report that they refuse to fix. They do not offer me proof of investigation or proof of the original debt required under the fair credit reporting act. Their employees do the bare minimum of work and millions of consumers pay the price for their negligence. There is a fiduciary duty to uphold the laws set in place to protect people. It does not seem to matter. 


Several of the accounts have the wrong dates reported. By law, the first instance of an account being delinquent is the date in which the 7 year rule starts. Two accounts are more than 7 years old. They became delinquent more than 7 years ago. In order to keep them on my credit report, the reporting companies must provide a full accounting of the original account terms along with a full accounting of all payments. They must also have the correct legal name of an individual and the correct SSN and date of birth. If they can not provide ALL of these detail, under the FCRA a debt MUST be deleted. 

ERRORS : # XXXX. I have a closed credit card from XXXX XXXX  XXXX that is too old to be on my report. If the reporter fails to furnish all of that information and legally required documentation within a 30 day investigation period, the debt must be removed by the Bureau. 

# XXXX. I have a closed account from XXXX XXXX that is not only too old to be on my credit, but the sum of the original debt was fulfilled at auction and the company did not issue me the positive difference that they made of the vehicle which is illegal. 

# XXXX My legal name is incorrect. I have provided legal documentation of my name to these bureaus on more than one occasion and my name is STILL incorrect. Which is causing many errors in credit reporting. 

XXXX # I have a collection from XXXX XXXX XXXX that was paid to the original account holder. I paid my entire balance on autopay until I canceled the account in person at the California office. They must provide all original payment history to show that I did not. This account also has the wrong dates reported and was fully closed in XXXX XXXX after being paid in full. I did not have an account with XXXX in XXXX at any point in time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I contacted Navient on  XX/XX/2017    to discuss payment lowering. I explained to the rep that I am only working part time and my bills  ( ren t, car payment, utilities, insurance, etc ) consumes all of my income. I also informed him that I am anticipating  XXXX  and will be out of work fo r 4 we eks. In addition to that information, I also informed him that I will be returning to school in  XXXX . I stated that the very maximum I could pay at this time until I returned to school is {$25.00} monthly considering all of these factors. The first thing he offered was forbearance, after stating that I had used up all of my deferment time. That would only delay payment for 1 month and a fee was required. I explained that that was only a temporary solution and would not resolve the problem. His only response was that there was no payment plan that could accept $  XXXX  /month an d that if I did n't pay, I could be faced with negative credit reporting. I informed him that I was keeping record of the call and that although I made the offer to pay something, the rep would not willing to provide such help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

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 2021-04-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called customer support at fifth third bank on Friday XX/XX/XXXX for help doing a mobile deposit of my stimulus payment I got the help I needed and was told my funds would be available on Saturday XX/XX/XXXX when I checked my account the funds were not available I contacted customer support again and was instructed to go to the bank branch which I did I deposited my check just to be told my funds would not be made available until Tuesday the XXXX I then requested to just cash the check and I was instructed they could not cash the check I pointed out that it was a check from the US Treasury I have banked with this bank for over 4 years as a result of this I had to borrow money and extend my car loan payment which has cost me over {$150.00} in Interest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
Santander Consumer USA has been reporting my account to the credit bureaus, as a " charge off '', when it was not a " charge off ''. This account was " Paid in Full ''. This was for a car loan and Santander sent me the release of lien. If the account was a charge off, they would not have sent me the release of lien. I have disputed this with the credit bureaus numerous times since 2015. I have even sent Santander letters to correct this and they did not respond. I have also had a lawyer send them a letter and they did not respond ( attached  ).    Santander Consumer USA   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX

Company response to consumer: Closed with explanation