BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent in a dispute letter on XX/XX/14/2022 and didn't receive the desired results. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report. No consent is Identity Theft. 

How are these items still on my report if I never gave any written consent for them to be on there?

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 2019-04-01
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Hi there, The Credit Reporting Agencies refuse to Really investigate my case, I do see Fraudulent Bankruptcy and one XXXX Account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the morning of XXXX XXXX I saw that Id received texts and emails at XXXX of all of my banking information ( phone number and email ) being changed without my permission and {$1100.00} transferred out of my account without my permission. 

I immediately contacted Chime over the phone and by email and filed a police report with the local police. I provided screenshots to each of them of the evidence. I was informed that they would do everything to resolve the matter and while under investigation they would issue me a credit to cover the amount. Tonight on XXXX XXXX, I received an email stating that my dispute was closed and that they detected no fraud even with all of the evidence I provided them. Ive never made a Pay Anyone transfer before and only use the account to pay credit card bills and rent. The money stolen was my rent and I will be facing eviction without it. 

I am told that it will take 45 calendar days for them to review the investigation and I will not receive my money back in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Everytime I try to apply for credit cards it gives me problems. I have identity theft under my name so I don't understand why it hasn't been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 I logged onto my Amazon Chase credit card account and a pop-up asked that I verify my personal information. The information provided was not mine, but was the address and phone number of my deceased cousin ( passed away 5 years ago ) who lives in another part of the country. I then checked my credit report and his address now appears as one of my addresses on the report. I have never shared an address with my cousin and have  never provided the address or phone number to any company. I called Chase with concerns about my account security and to try and understand if someone is using mine or my cousins information fraudulently, to which I was told " maybe '' but there is no way to know. They can not research how my address got changed to my cousins, the only thing they could do is change the address back. I asked for a supervisor who told me the same thing, that Chase does keep information regarding address changes on file so there is no way to know how this could happen. I expressed my concerns over the security of my data with the Company and the response was " don't worry, we changed the address back ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: ALLY FINANCIAL INC.
State: WA
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:
My right have been violated. 

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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: Personal information incorrect

Complaint:
I have already filed a complaint with Experian stating the correct address that should be on my credit report. They removed the incorrect address. I just checked my experian report this morning and the incorrect address is back on my credit report! I have attached my up to date drivers license with my address that should be listed on my credit report. The address listed on my drivers license is the ONLY address that should be listed on my credit report. I do not have access to the mailbox of the address they continue to add to my credit report. Also according to 15 USC nothing should be added to a consumers credit report without consent and signature of the consumer! 

I also filed a complaint with CFPB on XX/XX/2022 disputing experians reinvestigation of an inaccurate account listed in my credit report! They closed the disputed stating that the account has been verified. They did not do a proper investigation of the dispute! 

In accordance with the Fair Credit Reporting Act : 15 USC 1681 & Fair Debt Collection Practices Act : 15 USC 1692, XXXX XXXX XXXX, Account # has violated my rights. 

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

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions and consent.

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 2022-05-30
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information is being used by someone else, lost all my legal documentation and I'm paying the consequences of purchases I never made on my credit and didn't find out till I tried to finance a car. Car was stolen a few months after that loan was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear CFPB, PayPal closed my account for no reason and will not help me with getting it back up and going. Two days ago, everything was going well in PayPal, but this morning when I opened PayPal, there was a notification that you are no longer a PayPal user. PayPal also asked us for some documents on XXXX XXXX and then we gave them the requested documents to resolve the issue of the account. And they told us to review it in 3 days but then they didn't get any mail. We thought everything would be fine. But over the next few days, they permanently limited my PayPal account. 
We did not withdraw a single amount. We were thinking that we would get the money in a few days and then pay the bill of the product supplier but that didn't happen. All our money is stuck in PayPal. Don't understand what to do. This has had a huge impact on our buisness. If we don't pay our product supplier, he will stop our work and from above he can also make a case against us.So we are going to have a lot of consequences due to this issue. I'm not saying anything else but PayPal just didn't want to do that without letting us know. We are in a lot of trouble. Please help us CFPB. 
Thankyou CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivables Management Services sent me a letter that I owed money and explaining that they were a debt collector. The letter did not provide details of the debt claimed. 
I called around XX/XX/XXXX to inquire about it. I explained that I was never contacted by the creditor. I went online to my account with the creditor and confirmed no debt was shown. 
I called the creditor and was confirmed there was no debt. 
RMS called me on XX/XX/XXXX about the debt and I explained that XXXX confirmed on XX/XX/XXXX that there was no debt. 
I received no further communication after this. 
Today, XX/XX/XXXX I talked to XXXX at RMS and her supervisor XXXX XXXX and they confirmed that the case has been closed and there is no debt to collect. However, they denied a written confirmation of this. 
If the original communication of a debt came from RMS I expect a letter from same sender explaining the status of the case, especially when the creditor never tried to claim a debt in the first place. 
After 15 minutes on the phone they still denied giving me a written confirmation for my records stating what they were saying " case closed, we no longer have a debt to collect ''.

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 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is in regard to a XXXX transaction. I sent {$2500.00} to a " XXXX '' via XXXX on XX/XX/2022. As soon as I realized the mistake, I called BoA and was told by the agent I spoke with that they were able to reverse the transaction successfully, and that the money would be available in my account the next day, XXXX  XX/XX/2022. 

On XXXX, I saw that the money was still not available so I called again and was told not to worry that the money will surely be available on XXXX  the XXXX, as these transactions do not usually post on week ends. 

On XXXX  the money was still not available so i called again and asked to speak with a supervisor. I was still being told by another agent that it looked like the money would be back in my account the next day, on XX/XX/XXXX! On XXXX, I was finally able to speak with someone that handles XXXX transactions and was told I had been given the wrong information and that I would need to file a claim, which I did. I was told that the claim would take 10 business days but could take up to 45. I called several times during the 10 business days period, trying to figure out if there was any progress. On the 8th business, the agent I spoke with told me that they couldn't see any notes on this claim and it wasn't clear if the other bank had been reached yet.

On the 11th business day, I received the attached letter stating that " BoA isn't able to honor my claim because the transfer posted to the requested account according to the instructions provided ''. The letter does not state whether there was any attempt to contact the other bank at all. 

I'm also unsure if an actual investigation was done and confused as to why I was told by several agents that the {$2500.00} would be back in my account the next days. These calls are recorded so I'm sure there would be no issue finding the recordings. 

I'm not sure what my account history or details has to do with this XXXX claim, as stated in this letter. 
I would like to know the details on the said investigation that was supposedly completed, as this letter does not give any of that information. 
Thank 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 2022-12-16
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: Account status incorrect

Complaint:
TransUnion credit report agency failed to investigate fraud account reported on my credit report with out the debt collector proving identification card or writing agreement showing statement. XXXX  XXXXXXXX XXXX XXXX XXXXXXXX been paid an turn around an fold my personal information to XXXX XXXX to uptain more funds an kept repeating reported bad debts so I can't apply for any loans or credit card I requested my full disclosure an full disclosure from XXXX until XXXX I was effected with identity theft I should not hold acceptable for someone else mistake provide identification card number state on the state issue identity card provide by government law must an they reported false information to XXXX an XXXX they both deleted an I hereby request TransUnion deleted these fraudulent charges an companies from my report deleted everything off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22, I received a text message asking if I had authorized a XXXX  transfer of {$3500.00}. I answered NO. I then received a call from the Bank of America customer service line alerting me that there was fraud suspected on my account and in order to cancel out this transaction I would have to XXXX {$3500.00} to my own phone number. I did this ( where it worked on/off ) until XX/XX/22 for a total of {$14000.00}. I then called Bank of America on my own and they told me that this is a scam they have often seen and that I have been sending money to scammers the whole time. Im not sure I will get the funds back because the funds were technically authorized by me.

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 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Applications were made for credit cards using my information by unknown persons. Applications were made approximately around XX/XX/XXXX - XX/XX/XXXX. The were made at Capital One, XXXX XXXX, XXXX and XXXX. I contacted XXXX XXXX XXXX by XXXX with XXXX and a case was opened. On XXXX their fraud department contacted each company to inform them that the applications were not made by me. A card had been issued by XXXX and was cancelled. The other applications had been declined. 

Also, my XXXX Bank XXXX card had been hacked and charges were made on XX/XX/XXXX. On XX/XX/XXXX I contact XXXX  card services and canceled the card. On XX/XX/XXXX I visited my local branch offices and reported the hack and filed a report. 

On XX/XX/XXXX an unknown person filed a mail forwarding request for our mail to be sent to an address in Georgia. On XX/XX/XXXX I reported this to the XXXX, TN post office. We did not receive our mail until XXXX. 

On XX/XX/XXXX I filed a police report with the XXXX XXXX Tennessee police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My credit card was turned off immediately after I called Capital One to ask for help to dispute charges and simultaneously updated address also. This caused the great inconvenience, as they suspected I was a scammer, and after calling card company I was told my card was turned off because another card was sent out to me since the card I was using was about to expire. I called in to Capital One over a period of 3 days and spoke with eight different people and there was no tangible compensation they could do to me for the inconvenience of immediately shutting off my card and asking me to wait 7 business days for a card to be mailed out to me. 
There needs to be a better system in place that even if fraud is suspected that it can be verified by the card owner. The card that was mailed the new card that was mailed to me was even returned since I was no longer at that address. I was even told by one person I spoke to that maybe I could get {$100.00} credit. And then another person told me that there's no credit at all they can give. I spoke with a XXXX, XXXX and XXXX. I was given the run around, transferred without resolution. First call was placed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Home Loan Center, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2018, at approximately XXXX I made contact with XXXX XXXX and XXXX XXXX. Neither company was helpful and stated that although it was not an application that I filled out that they were authorized to pull my credit report 5 different times. 

I never authorized hard inquiries. The website on lending tree stated clearly that it would NOT effect my credit score. However, it surely has ... .my score has dropped dramatically as a result of this ... I encourage anyone that has had this issue to start a lawsuit against both companies.

Company response to consumer: Closed with explanation