BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: AZ
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:
I have noticed many incorrect and unauthorized items appeared in 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 2022-04-29
Company: TransferWise Ltd
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I created an account with TransferWise.com in XX/XX/XXXX to transfer some USD to DKK for a trip to The XXXX XXXX  in XXXX, XXXX.. I did not use the account after that. TransferWise.com then changed to XXXX in XX/XX/XXXX. In XX/XX/XXXX, the email address that was associated with my XXXX account was 'spam-bombed '. I could not send/receive emails for several days as a result of my email address receiving thousands of unsolicited emails. In XX/XX/XXXX, I had worked to try and 'unsubscribe ' from the hundreds of sites that I had been receiving emails from, and began trying to use my email address again. I found an email from XXXX saying that my account had been deactivated because of an outstanding debt of {$15000.00}. I searched through the tens of thousands of emails I had received and found one in XXXX that contained a PDF saying that I had tried to convert {$15000.00} of USD to PLN on XX/XX/XXXX, and XXXX, XXXX. The bank account numbers on the PDF were not mine. It's clear that someone compromised my account and changed the bank account numbers and attempted to wire/transfer currency in my name with a bank account that does not belong to me. I have tried to contact XXXX numerous times. They will not help me via email because my account has been deactivated. When I try to call, they have very short hours during the working-day, and when I do have time to call I am told that there may be a wait time of 30+ hours. They will not schedule a call-back, have no chat service, and yet I have a document claiming that they will send me to collections for what is clearly fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: TX
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. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 700 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account name : XXXX Account number # XXXX Account name : XXXX XXXX Account number # XXXX Account name : XXXX XXXX  Account number # XXXX Account name : XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number # XXXX 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.

15 U-S-C 1681 ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U-S-C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause too believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 are a lot of hard inquiries on my credit report but the addresses dont match up. I am reporting because I suspect fraud on my account

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 2023-04-03
Company: Experian Information Solutions Inc.
State: NY
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:
A XXXX XXXX XXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX XXXX and let them know and they said they would take action to get this removed from my credit report. I also called Experian and they said they would do the same.

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 2021-06-15
Company: EQUIFAX, INC.
State: AL
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 have been battling with Equifax for over 6 months explaining that the student loans listed on my credit report for DEPT OF ED/XXXX, XXXX, XXXX, should have been deleted when you deleted the student loans for XXXX recently. I don't understand why you delete a few here a few there. I have a police report on file, identity theft reports, several previous complaints from CFPB and my complaints are closed and XXXX  does not complete the dispute process just drops the ball and I have to keep disputing until someone out there hears me & understand that this is not right. Please delete this information. Look back through my records and see how many complaints and disputes that I have filed and Equifax still reports incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have travel insurance through my Chase Sapphire Reserve credit card. This insurance is offered by XXXX. My mother and I had a trip planned from XXXX to XXXX, but had to cancel due to her falling acutely ill. I submitted a claim on XX/XX/2023 for reimbursement of our covered costs ( flight, and hotel ), per their policy, including all requested documentation. I provided this documentation directly on their site, as well as via email to be sure. 

After not hearing back from them, I contacted them. They claimed I had not submitted a physicians statement or monthly billing statement document the charges, both of which I had done. I resubmitted this documentation on XX/XX/2023. 

On XX/XX/XXXX, they again requested my monthly billing statement, which I had now submitted to them three times. 

On XX/XX/XXXX, I was told that I was missing the monthly billing statement, relationship to traveler, physicians statement. After reviewing again, the agent told me that she had found the billing statement, but couldnt find the physicians statement and relationship. 

I asked to speak with a supervisor who told me that they had all documents but was missing diagnosis. I explained that would be a HIPPA violation. Supervisor requested proof of reimbursements in the form of monthly billing statement. I provided this. The supervisor told me that they were going to proceed to " final processing '' of my claim, and from what he could see, the documentation was in order. 

On XX/XX/XXXX, I received an email, with a copy of their physician 's statement document that they requested me to fill out. After explaining that the documentation I had provided should suffice, the examiner told me they would not proceed until they had this specific form filled out. Nowhere on their site, or Chase 's site does it cite this specific documentation as necessary, or the information they are saying they must have ( diagnosis and date of onset ). 

It seems as if the insurance agency is clearly drawing out the claim in the hopes that I abandon it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: YSA ARM LLC DBA Oxygen XL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found a collection on my credit report at XXXX. 
I was never contacted by mail, email or phone to be informed that there is a debt. 
I was not contacted by original creditor that a debt exists, no invoice sent and no details on nature of debt. 
Collector failed to notify me with debt as per act of fair debt collection. 
I was not informed that there is an action to be taken. 
I requested details and provided contacts information. 
I contacted original creditor and they informed me that account is closed and there are no outstanding. 
i didnt receive details and collector offered to pay 40 % and close the debt. 
I Communicated in written email to collection inquiring details of debts and proof of debt. 
Collector failed to deliver details in 30 days after 48 days from sending the request i received bills with the following problems : 1- documents showing my signature as a guarantor to a different company other than the one requesting collection.

2- the bills provided showing as collected from bank and original creditor had blank check and had access to deposit or withdraw 3- summary for months in debt had no support and no bills showing the amounts claimed. 

I raised a dispute at XXXX and they propose to raise a claim at your site. 
collector asking for collection of 50 % without providing evidence of original debt is considered as a harrasment trying to push me to pay any amount to get rid of issue. 
using a different guarantor form other than the legal name shown on original collector is a fraud in using my information and claimig that they followed act of fair debt collection,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Neighborhoods United, LLC
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have repeatedly called AHP Servicing to get them to pay my dividends they owe from XX/XX/2023 until present. I have also requested my account be closed and my principal be returned as they promised when I opened the account. I have received the same story from them every time I have called. They promise to pay but never do. It has been 8 months of receiving no dividends nor returning my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: MEGA CAPITAL FUNDING INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently having significant problems that have caused me and family major stress and hardship in dealing with our lender. I was off of work due to XXXX. I incurred significant less income during that time. I was off of work XX/XX/XXXX, XXXX XX/XX/XXXX. During that time my lender approved me for a Forbearance plan on XX/XX/XXXX. The Forbearance plan that was agreed upon was that no mortgage payments needed to be paid during the months of XXXX and XXXX and payments resume payments starting in XXXX ( which I did resume payments ). The missed payments of XXXX and XXXX would be put on the back end of the loan. So basically just adding two months to the loan. I was good with that agreement, and it helped me out. 

In XXXX the Forbearance agreement was over and I had to re-submit and do the whole process over again. This time I was not approved for the initial forbearance agreement, but I was put on a payment plan. The payment plan is an extra XXXX $ added to my monthly mortgage from XX/XX/XXXX to XX/XX/XXXX to repay only two months of mortgage. My normal payments are XXXX $ and now they asking for additional XXXX $ for almost a year. The forbearance plan in their own description says to help client get back on their feet. How does this help me get back on my feet? My current options are to pay the two months mortgage with fees ( XXXX $ ) or their crazy payment plan. 

The payment plan was never discussed with me. I would have never agreed to raise my mortgage XXXX $ for almost a year. There are way better options than that. I feel like I was tricked and swindled by my lender. I have tried multiple times to talk with a manger and they will not speak to me. Most of their employees ( not all ) have been extremely rude also.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 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 2019-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a customer of Capital One since 2014, and Capital One has repeatedly raised my credit line without being able to back opt out. Each time Capital One would send a notice, they'd say " your account is up for review for a credit line increase '', then they'd raise the credit line. Since 2014, I never made one late payment. So, I thought - well, if Capital One is going to raise my credit line from account reviews, then they should be able to review for an APR reduction. This request to lower my APR has been done each time the credit line increases, and each time Capital One replied " your account isn't currently under review at this time for a lower APR. '' I couldn't understand why. I placed a complaint with the XXXX, and Capital One repeatedly lied about reviewing my account, then lowered my APR from 24 % to 22 %, an absolute slap in the face. 

I wonder how can Capital One get away with raising credit lines based on periodic account reviews, without the customer having the option to decline it? Then they turn around and state that they aren't reviewing my account for APR reductions. 

Capital One is getting away with theft, to their very own customers. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Back in XX/XX/2023 i received a check for USDXXXX under my personal name, it was issued by the XXXX Treasury , i deposited this check into my personal checkings account in Bank of America also in XX/XX/2023. 

Bank of America frozed my account the day after my deposit, they were saying that the check was forged and altered, and that they were going to report me to XXXX  XXXX. In XX/XX/2023 they finally decided to close my account, and they have been holding the funds of this check since XXXX, i have called many times to the number XXXX, i have try to provide documentation of why did i received the check, nothing have worked until now. 

I have also tried to open a personal bank account in XXXX banks and they have closed them. 

I am feeling a little desperate and with no idea what should be my next step in order to get my funds reimbursed to 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 explanation
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This voice mail was left on my husbands phone as well moments after I told them to cease calls If the message was intended solely for XXXX why would you leave it on a voicemail that clearly has a different name on it This message is solely intended for XXXX _______ my name is XXXX XXXX I'm gon na _____________ ________ _______ and I've been tasked with delivery certified documents with her test your name as well as your Social Security number I'm scheduled to arrive and I have your current residence or your place of employment tomorrow XX/XX/XXXX between the hours of XXXX and XXXX XXXX  _______ able to reach you would either of those locations this will be documented as a direct refusal to sign in the proceedings will continue on with ___ you ____ if you have any further questions concerns or if you need to reschedule prior to my arrival tomorrow pleas

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 2017-04-04
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: EQUIFAX, INC.
State: NC
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:
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief