BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX, XXXX XXXX and his wife, XXXX XXXX, discovered that her grandson, XXXX XXXX XXXX, had been sending money from their checking and two savings accounts at Bank of America, to an account or accounts in XXXXXXXX XXXX name via XXXX. Said XXXX transfers were not known about nor authorized by XXXX and XXXX XXXX. XXXX XXXX has since passed away on XX/XX/XXXX. To this day, XXXX XXXX does not know how XXXX obtained access in order to steal these funds. The total stolen was {>= $1,000,000}. 

XXXX and XXXX XXXX sought for XXXX to be prosecuted, and he was. See attached Police Report ( Exhibit XXXX ), Criminal Summons and Application for Statement of Charges ( Exhibit XXXX ), True Bill Indictment ( Exhibit XXXX ), Resolution of case and Notice of Recorded Judgment in Restitution ( Exhibit XXXX ), and List of fraudulent transactions ( Exhibit XXXX ). Bank Statements showing fraudulent transactions are available by request, but would exceed the page limit. XXXX plead guilty to theft, and was sentenced, and a restitution judgment of {$14000.00}, was awarded to XXXX and XXXX XXXX. 

XXXX and XXXX XXXX want to Bank of America in XXXX, MD, as soon as they discovered the theft. They put in a fraud claim with bank manager XXXX XXXX. On or about XX/XX/XXXX, they received a letter from the bank rejecting their fraud claim. XXXX XXXX attached as Exhibit XXXX. The Calim number for Bank of America was XXXX. 

When they received said letter, they went to the bank and met with XXXX XXXX. She told them she was filing an appeal on her computer terminal. They did not recieve any documents about the appeal. They had initially been told that they would be required to press criminal charges against XXXX, which they did. They never received any documents or verbal information, to tell them the result of the appeal. To this day, Bank of America has not notified XXXX XXXX of the result of the appeal. 

XXXX XXXX has engaged XXXX XXXX XXXX, XXXX, to look into the fraud claim, but Bank of America will not respond to his phone calls or letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX $ to my mother 's bank account in XXXX through MoneyGram, receipt number XXXX on XX/XX/2023 at XXXX EST. It started that money should be available in XXXX days. Normally it is available within a few minutes and I have been sending money through MoneyGram from a long time and never had such issue. Today it's XXXX day and the money is still not available in my mother 's bank account. I have talked to different agents at different times explaining and they keep telling me that it will be investigated and it may take upto 90 days. MoneyGram has already taken the funds from my bank account and I have asked them to cancel the transfer so I can send the money again through other source. They refuse to refund the money and keep telling me that the matter will be investigated and it may take 90 days. When I asked them to show me the document where it mentions that in case MoneyGram fails to transfer money in time, it will take 90 days to fix the problem or get a refund. Infact on the website it says I can ask for refund anytime as long as the funds have not been withdrawn by the receiver. I want moneygram to either make the funds available in my mother 's bank account at once or give me my money back so I can send it through other means. 
Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 W

HOM 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 possib
le.

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 2023-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for and got approved for a Capital One XXXX XXXX credit card on XX/XX/XXXX. I received my sign up bonus of several points. However, when I went to try to convert them and transfer them to a third party like XXXX XXXX, the Capital One app and website asked me to verify my phone number and it would not authenticate. Upon repeated phone conversations and HOURS of trying to resolve the problem with 8 or 9 agents across 4 different departments over the span of a week, I discovered that the reason why it would not allow me to do this basic service was because my account was too new. A number of other people on XXXX are experiencing this issue. I am outraged that Capital One is blocking us from using it's advertised services, as advertised. I only signed up for this credit card because of this service that it promised. Nowhere does it say that there is a probationary period or that there would be a waiting period to use the sign up bonus. I have missed out on transfer bonuses and purchasing tickets that I would like to be reimbursed for as a result. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
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:
For my XXXX Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXX XXXX XXXX, specifically ) There are also inquiries on my XXXX Report that I dont recognize as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX at XXXX XXXX XXXX, I bought a pack of cigarettes at the XXXX XXXX XXXX XXXX XXXX XXXX ), located on the corner of XXXX XXXX and XXXX XXXX XXXX. The cashier told me he was charging me {$9.00} and I paid using my debit card and pin. 

The next day, XX/XX/XXXX, I noticed that I had been charged {$580.00}. I immediately issued a claim with my bank ( Chase ) to dispute the charges amount. I was temporarily refunded my money and was instructed to discuss the claim with the vendor directly while the investigation was underway. 

I immediately discussed the charge with the cashier that had overcharged me. The cashier agreed that the charge was incorrect, but told me to work with my bank to have it resolved. I continued to wait for results from my banks investigation. 

On XX/XX/XXXX, the refund from Chase was taken back from my account. On XX/XX/XXXX, I called Chase and they informed me that the dispute had been rejected and that I had to take up the dispute with the vendor due to the fact that a debit card had been used in-person. After discussing the dispute directly with the vendor again on XX/XX/XXXX, I was told that the vendor did not have records dating back to XX/XX/XXXX and that I need to dispute the charge with my bank instead. I spoke with Chase again today, XX/XX/XXXX, and was told that I should continue disputing the claim directly with the vendor. 

I would like to initiate an investigation into this fraudulent charge of {$580.00} in which I should have only been charged {$9.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a old debt with XXXX but it was in XX/XX/2013 and this account its too old to be in my credit report. I have this debt from 6 year ago. Now this collection company is keeping calling me every single day all the time. XXXX  is taking care all my credit but still is hard because the XXXX XXXX  debt company keep harassing me every day and the account dates are not correct in my credit. Please release this debt from my credit report because this debt its too old to be in my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Cash app have closed my account twice for apparently no reason! I was told there was suspicious activity on my account which I rarely use cash app! They couldnt even explain to me why it was closed they just did it! I dont think this is right because they arent giving me any information to why they keep doing this and if someone is trying to get into my cash app account they arent trying to figure out whats going on just blaming me for everything and this is the second time they have done this to me without no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am submitting this complaint on behalf of myself with no help from anyone. 
I am a natural person, and consumer seeking assistance from the CFPB in regards to a matter I am having difficulty resolving with Transunion, consumer reporting agency. 

TRANSUNION is committing identity theft against me ; I have informed TRANSUNION that they are incorrectly spelling my name. My name is XXXX XXXX, yet my report states XXXX XXXX, a name I have never went by. I have mailed in my license a numerous amount of times, yet TRANSUNION claims theyve never received any mail by me. I have attached a copy of my license along with this complaint. 
Second issue I am having is Identity theft with companies, I have filed two FTC reports, as well as a police report, which TRANSUNION is again stating theyve never received. Ive disputed these accounts below as Fraudulent, identity theft, but yet again TRANSUNION is not honoring their duty to me as the consumer and conducting a proper investigation. I find is funny how XXXX, and XXXX have followed the laws, and removed these accounts but TRANSUNION somehow can verify, or cant block or update MY PERSONAL INFORMATION, as if they personally know me. 
Let me remind you TRANSUNION, youre in possession of my consumer report, it is your obligation and duty, to make sure the information youre reporting to my consumer report is completely accurate! 
FTC report number # XXXX, the following accounts are included in my FTC report, let me again remind you that according to the FCRA you have a duty to block these accounts from my consumer report within 4 business days of receiving my dispute. I have attached a copy of my credit report to show what accounts are fraudulent. 

XXXX XXXX Account XXXX XXXX {$2500.00} XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXI- Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX-Account XXXX XXXX {$20000.00}

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 2022-04-21
Company: CURO Intermediate Holdings
State: CA
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:
Took more than 30 days to verify debt- Failed to supply a contract or proof of a signed directly with this company. 

I Did not sign a contract with this company that is reporting. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Collection with XXXX XXXX is already satisfied an paid

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
You are in Direct Violation of The Fair Credit Reporting Act. You, have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 

15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-01-15
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have only received phone calls with limited information from a company called Merchants and Medical. They have been very harassing and threatening. I called the hospital they claimed I owed money to. According to that medical facility, I do not owe anything to anyone in that system. The lady said it was {$260.00} and it has shown up on my credit report as {$200.00} This also is very suspicious. I did not receive any paper bills in the mail, nor did I receive any notifications that I had an account that would end up in collections. I am currently disputing these collections charges on both of my Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was stolen and multiple fraudlent charges were made to my account. I am currently banking with Chime and after disputing the charges Chime refuses to update me or issue credit for the charges that occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Ascendium Education Group
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested information regarding the new " XXXX XXXX XXXX' program, from Ascendium, one month ago via a phone call and email. They requested that I contact XXXX for more information on the program. Today, I received a letter stating my loans are being transferred to XXXX per MY request to begin the " XXXX XXXX  '' program ( see attachment ) - I never made such a request. This would bring my XXXX loans out of rehab status. I would lose certain XXXX loan protections ( not including payment due ) by pulling them out of their current status- this was reiterated to me by a communication from Ascendium last year. ( I can provide the email if need be. ) Again, I did not request for my loans to be moved out of their current status and transferred to XXXX ( or another servicer ). Finally, I want my loans to be held in their current status with Ascendium until the payment moratorium comes to an end. The actions I have taken to resolve this matter were speaking with an Ascendium representative ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Adler Wallach & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2016 while I was stationed in XXXX XXXX, I received a debt collection notice via mail from XXXX XXXX XXXX in the amount of {$150000.00}. Ive never heard of the company so I did research and found they were a collection agency for a copy called XXXX as indicated on the debt collection notice. At this point I had no idea what either company was, why they insisted I owed them money or what the money they claimed I owed was for. I spoke with a representative from XXXX, XXXX XXXX which informed me that the collection was for 2 XXXX Franchise locations. I explained to him I had no know of either. He proceeded to tell me that my signature is on the franchise agreement documents. I told him thats not possible because Ive never signed any agreements. He then said that my signature was only on 1 franchise location versus 2 and removed 1 entry off of the credit reporting agencies. I requested a copy of the alleged signature and what I received had absolutely no match with my authentic signature. This is clearly a case of forgery and fraud! Ive submitted a copy of the police report to XXXX XXXX and was told that it did not matter the collection would still be reported. AWAs client has no validation of my signature. No picture ID card, nothing notarized not to mention I was 2 states away on a military installation when this alleged signature was signed. Both XXXX Franchise and AWA are in compliance with allowing fraudulent signatures to be used on their documents! They do no verify nor authenticate signatures prior to issuing {$150000.00} loan. They have pathetic business practices! They can not produce ANY documentation other than a fraudulent signature. No copy of photo ID no notary, just a forgery. This fraudulent account needs to be removed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: FISERV INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, I downloaded a casino app called, XXXX  XXXX XXXX After giving all of my bank information and cards, for their deposit & withdrawal methods, I noticed unauthorized transactions. My bank did an investigation and deemed that someone stole my money, they gave my money back.I believe this is the money that they are trying to get back from me. They hired a 3rd party debt debt collector named, TRS RECOVERY SERVICES. I explained this situation to them as well and sent a copy of my bank statement. Im waiting to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Self Financial Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX opened XX/XX/XXXX XXXX..account is not mine already filed for identify theft .. they told me it would be off my report in 60 days..its off my XXXX but not XXXX and XXXX.

Company response to consumer: Closed with explanation