BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After reaching out to all the banking institution that has affiliation with the day in question there has been no re-possibility on the part of the institution involved for the {$1000.00}, I attempted to transfer on XX/XX/XXXX to number XXXX XXXX XXXX through XXXX XXXX . I have been given the information from Bank of America that they acknowledged that the money of {$1000.00} I attempted to deposit into the account of my husband. They disclosed that the phone number linked to my husbands account ( Bank of America ) for no reason was linked to another account at XXXX XXXX, this mean my transfer was redirected to XXXX XXXX  where they acknowledge the money was deposited but yet they can not give me any information about the transaction. We never changed any Banking information that would cause for the money to be directed to XXXX XXXX, we don't have a XXXX XXXX  account and never had any affiliation with XXXX XXXX. Bank of America refuse to give any information regarding what account or transaction number that could assist recovering the money that was directed to a account that we have no knowledge about, we ask that they investigate the day in question or anything that can help us trace the money to the account that we never authorized. I spoke to XXXX XXXX  and they were willing to help with the necessary information but the attempt was unsuccessful due to not having enough information due to the fact that we do not have any account with them. 
I have reached out to XXXX for an investigation and they only play a blame game with Bank of America. This is highly unthinkable that this money can not be traced to the account in question. This goes to show either somebody is sleeping on their job or there is a clear conspiracy to rob me of a XXXX dollars at this crucial moment I respectfully request you to use your good officer to cause a thorough investigation into this murky banking practice that has the potential of bring the banking institution 's good name into this disrepute. Your prompt dedicated and meticulous action on this matter is high anticipated. 
Best regards!

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

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 2019-01-29
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Let me preface this by saying I have paid every bill timely, never once being late, and have spent quite a lot of money with this company. My payment was due XX/XX/2019 and I sent my check XX/XX/2019. The company did not process my payment until XX/XX/2019, which was a Sunday. Effectively, they charged me a late fee of {$27.00} and then a {$6.00} interest fee on top of that, for a total of {$33.00}. I am apalled that they waited so long to process my check, and then to add insult to injury not only charge me a late fee, but interest on that late fee. As I said, I have made every payment on time since the history of my having that card, and now they are endangering my credit for their lax practice is in processing payment. I spoke with a representative XX/XX/2019 regarding the same and he could not help me at all. I canceled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/2021 I dont recognize this inquiry. I have called the creditor and TransUnion and let them know I didnt recognize the inquiry but the inquiry still not been removed from my credit report. 

They are violating my rights as a consumer. My following rights:15 U.S. Code 1681- Congressional findings and statement of purpose Section ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Thanks 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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2023, money to some unknown bank accounts through XXXX  on wells fargo, someone, and i think it was my little brother, sent money and im guessing he got scammed for some item not received or something through my bank account and was pressured to do so he said and got blackmailed, not sure he did not want to go in detail but he sent {$450.00}, {$350.00}, to one person on separate statements, and {$300.00} to another person, both people 's name look fake like XXXX XXXX & XXXX XXXX. This was all unauthorized on my end and unknown as i thought my little brother was downloading free games as he said. XX/XX/2023 i make a claim through the phone. i'm struggling to pay my debts and this incident has not helped nor wells fargo, i tried calling them, and after many operators a claim was set, but the person over the phone who made the claim made it against me in the sense that the claim done for the XXXX transactions were " authorized '' on my end when they were not, i made sure to say that they were unauthorized but thats how it was put by them. I get a letter saying it was closed as it was authorized when it was not, i call again today and said although closed they sent and did another case to XXXX themselves, and either the operator on the phone lied to me or something but gave me the XXXX case number filed by wells fargo and after hours of many operators none could find a case number relevent to the one given to me from wells fargo 's XXXX case just mentioned. I've been misinformed by wells fargo on " help '' that they've tried giving me and making it hard for me to get my money back, beyond displeased, i'm close to filing a police report and getting lawyers involved.

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 2023-03-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: MO
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:
There is incorrect information on 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 non-monetary relief
Consumer complaint received 2018-10-26
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Viewed my credit report and notice a collection account by Diversified Consultants, Inc. was appearing on all three major credit bureaus ( XXXX, XXXX, XXXX ) in  which they say I owe {$770.00} ( Account # XXXX ). I wrote my initial letter dated XX/XX/18 informing them this account was not mine and Im filing a formal notice of dispute. I requested validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. 

Diversified Consultants, Inc. responded with a letter dated XX/XX/18 that the account was valid and enclosed a copy of a statement which could have been printed out on any computer by anyone. They failed to provide validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. 

I sent them a second letter dated XX/XX/18 requesting viable evidence of the debt. Informing them that an employee looking at their computer screen, seeing my name listed in their database is NOT verification according to the law. 

Diversified Consultants, Inc. failed to respond to letter 2 dated XX/XX/2018 within the 30 day timeframe, also failed to provide the credit bureaus with a Notice of Dispute within the 30 day timeframe according to the FCRA. 

I sent them a third letter dated XX/XX/18 informing them that according to the FTC as per opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that due to several attempts to provide viable verification I was filing a complaint with the CFPB due to their negligent actions. 

Diversified Consultants, Inc. responded with a letter dated XX/XX/18 saying yet again that the account was valid with a printout statement, but provided no viable evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: JPMORGAN CHASE & CO.
State: PA
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 called Chase Rewards approximately 10 times starting on XX/XX/2022 regarding my flight that I paid for with their rewards points worth {$520.00} ( XXXX points ) for an XXXX XXXX  XXXX on XX/XX/2022 from XXXX to XXXX XXXX. I was denied boarding on the flight and received a letter from XXXXXXXX XXXX apologizing and on the phone with the XXXX XXXX  Agent, they told me that Chase should refund me the points. 

I called Chase over 10 times for approximately 15 hours and I am transferred to an XXXX call center where there is little follow-up or due diligence with XXXX XXXX XXXX  I have not received my refund and XXXX XXXX  said it is Chase 's responsibility. I plan on closing this credit card due to the service and would like my reimbursement immediately. It has been 2.5 months with no progress. Chase either blames XXXX XXXX  ( not true since XXXX XXXX  sent me a separate reimbursement for my hotel ) or claims that since I paid with rewards points that it is not refundable. This is a rewards program scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

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 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I, XXXX XXXX, never gave ( XXXX nor TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. The reporting of such inforation has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household puroses. You and your reporting have damaged my livelihood. I have been stressed out and depressed beyond measure to the point where it is hard to cope. A copy of the law is attached in this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts. I have been in dispute with XXXX for over 30 days and they continue to report inaccurate information on my consumer 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 2022-05-14
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: FIRST PORTFOLIO SERVICING INC
State: TX
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:
From XXXXXXXX XXXX XXXX of XXXX I was extremely ill due to a medical condition and was unable to work. I had made arrangements with my creditor XXXX XXXXXXXX that when I returned to work I would pay my account off in full. 

As promised I made them a {$400.00} payment and upon this agreement they stated my account would still be active and open and that I would be able to charge on my account. During this time I was charged late fees for XXXX XXXX XXXX XXXXn the amount of {$41.00} for each month totaling {$82.00}. XXXX  XXXX  stated that they would refund these fees and they would correct any negative marks on my credit report for XXXX, XXXX and XXXX. 

When I contacted XXXX  XXXX  about not being able to use my credit card they inform me to send them documentation for my banking institution showing that my payment had cleared my bank and that they would then remove the block from my card and my card would have a zero balance and be able to be used. 

As promised I sent XXXX  XXXX  the documentation showing where my funds had cleared my bank. Now that I sent these documents they're stating that this is not a secure method and they couldn't promise that they would be able to do anything for 30  days. However These funds were made by debit card and paid for through their rapid payment system and me being charged an extra fee. I did not want to accrue anymore interest or late fees and now I have received an email stating the website they gave me I have been blocked from and can not send my documentation. Email address for XXXX XXXXXXXX  Correspondence : XXXX Attached you will find documentation that my debit card payment has cleared my financial institution in the amount of {$400.00} payable to XXXX XXXXXXXX  XXXX card ending in XXXX Please contact me as soon as possible to let me know that these documents have been received and the hold will be removed from my account and my credit report corrected as a courtesy promised due to my medical situation. 

Sincerely XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation