BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2022 we were advised that our two party collision repair check made out to XXXX XXXX and XXXX XXXX XXXX XXXX in the amount of {$1200.00} was cashed. The back of the check shows 'two signatures '. However, the signature for XXXX XXXX XXXX XXXX was not made by XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX signature was forged. We filed an affidavit of forgery with Wells Fargo on XX/XX/2022 and mailed it to : Claims Assistance XXXX XXXX XXXX # XXXX Wells Fargo Bank XXXX XXXX XXXX in XXXX XXXX XXXX CA. The phone number on the form is XXXX. But when we call that number for an update, we get an automated message that states the number can not be reached. We have reached out to several Wells Fargo XXXX # 's and each one advises that they can not help. Now they are stating that we have to physically visit the branch that allowed the check to be deposited. Which is not possible since it was deposited via a mobile app. No one at Wells Fargo can give us the phone number to contact the Wells Fargo claims department. 
They are also advising that since they did not send us documents with a claim number they can not give us an update because we dont have a claim number ... that they never sent us.

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 2023-12-02
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I transferred {$4500.00} from my XXXX debit account to my Chime virtual account on XX/XX/XXXX. The money posted as available the following day, XX/XX/XXXX. Chime immediately restricted my access to my account and then requested personal information which I provided, repeatedly, in order to restore access to my account. They have since ceased responding and it is now XX/XX/XXXX. They are withholding my funds, refusing to release them or reverse the money transfer, and denying access to my funds AND my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Ok so on XX/XX/ I received my Federal refund check in my PayPal account on this same day I knew I had past due bills that needed to be paid at once so first I contacted the power company by phone talk to a representative ask to make a payment he took my information I gave him my debit card info to make this payment after he gave me a confirmation number over the phone and also through my email that's on file. Ok about I say the middle of XXXX I had received another bill asking for the same amount I just paid but on this bill it stated they received payment of XXXX on the next day which was XXXX XXXX but payment was refund back in my account on XXXX XXXX. But I never received this payment back. So proceed to go check my account but I didn't see where it had been taken out or put back in there was nothing. Let me also say I made another payment using this same payment method to another company which is for a Gas company it processed it also went through and no problems with that one but I went and look at the transaction on my account didn't find any statements or anything about that payment either so I contact PayPal they obviously couldn't tell me anything so I went and done some investigating myself. Now I have been using PayPal for about 3 years now when I made the account they had already given me an account number and routing number. I've never talk to anybody through a bank service ever using this app now when I called my power company back around the end of XXXX the only information they could give me at this time was my payment was made by ACH which it couldn't have because I never gave my routing number or account number to anybody by phone and I didn't manually put any information in on my own I have two people that was in my presence at time to verify this statement. The supervisor of the company went forth to say they had my last 4 digits of my account number and a routing number to the bank this information is for. I didn't contact the bank because PayPal assisted to tell me this bank only issued me the card so there was no need to contact them about the situation. Well I XXXX this routing number and it pulled up the bank. Plz contact me for I have much more on this issue and I need to find out what's going on please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Kikoff Inc.
State: TN
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:
The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information. 

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Information belongs to someone else

Complaint:
I checked my credit report and noticed several accounts that I do not recognize

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 2023-09-25
Company: EQUIFAX, INC.
State: NV
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am rquesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. The three accounts below are listed as collections on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A You are required to do what I am asking and block these transactions from being reported to my consumer report within four days from the date of receipt of this notice. I look forward to your response. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Real Time Group, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I want to nwcs to try to get this off my credit report a few years ago with no success, the company name is Real Time resolutions Inc it has been like 15 years I want this remove from my credit report. The amount is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CNG HOLDINGS INC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
they sending out the wrong information and this is an identity thef i didnt sign any contract with them no written consent what so ever so i am left with no choice to persue legal action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i WILL NERVER BEEN LATE TO PAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 I went inside the branch to request to transfer funds into my checking account without having to take tax. I told her more than once that I would pay for the tax at income tax. Her name is XXXX XXXX. She did not do as I requested.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

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 2022-05-03
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have notified these consumer reporting agencies on multiple occasions to have this account removed from my consumer report. The collection is paid and is still showing on my consumer report as a derogatory account and its affecting my house buying power as well as me getting acces to funding. In accordance to the No Surprises Act, I know this medical bill should not be on my consumer report and is in complete violation of the No Surprises Act and needs to be deleted immediately. 

Also in accordance to FCRA 15 U.S. Code 1681o Civil Liability for negligent noncompliance which states that : ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance states that : ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liabale to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissable purpose, actual damages {$1000.00}, whichever is greater This means that the consumer reporting agencies XXXX and XXXX are not in compliance with this law because they are not deleting an account I have disputed numereous times and told them to delete it because this account is not of value to me as a consumer. This account is damaging to my consumer report and needs to be removed immediately. Also I never gave RMC ( Receivables Management Corp ) the right to have my medical information and never gave them the right to report this account to any consumer reporting agency on my behalf. 

I am requesting this account be removed from myconsumer report immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-01-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I pay my mortgages every month online. I am never late. I have good credit. I paid one of my HELOCS on XX/XX/XXXX for a home in New Jersey at XXXX XXXX XXXX, XXXX XXXX. XXXX days later CHASE extracted XXXX rather than the roughly XXXX dollar mortgage. If I did something like this, I would have to pay XXXX times and it would be crazy to do! My bank is XXXX XXXX. I had no funds due to that large withdraw from CHASE. I begged XXXX XXXX to stop payment. They weren't sure it could be done as the payment was being processed. I then called Chase. The woman told me she would try and stop it from there end. XXXX XXXX was able to cancel the payment. CHASE kept all but XXXX to apply that XXXX payment. It created a glitch in their system where it looks like I owe back to XXXX of XXXX. I am being dunned and my credit is going to show poorly. I have been in contact with the XXXX XXXX who said they were working on it. A week from last week, yesterday, they told me to pay XXXX. I told them I would but said with that glitch in the system that they created, it looks like I owe XXXX and the payment won't be successful as it is insufficent an amount to accept. I was right. It didn't go through and the guy tells me I sound frustrated. I wrote to XXXX XXXX on XXXX who looks like their new CFO which is how this XXXX Customer Service division called me. However, I am in XXXX for XXXX months and my payment activity shows current. They are after me. This is wrong, wrong, wrong. I have never missed a payment. I am XXXX XXXX XXXX and this is abuse. Please help. XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Upon card has been activated a got 2 charges from same merchant which I did not make it. I was trying to contact them via phone number and visited branch but they keep saying me that I need to pay full amount for fraudulent transactions. I disagree with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative 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 2023-07-27
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: Account information incorrect

Complaint:
I have been sued by XXXX XXXX BANK and set up payment arrangements with the firm how is it still showing up on my credit report as negative.

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 2023-10-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX  After reviewing my consumer report i found some errors and false information on it. I currently reside at : XXXX XXXX XXXX XXXX, PA XXXX I would like you to remove all the inaccurate and misleading information from my consumer report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) Title 15, Section 1681, I demand for the following address be removed. I have never lived at the following address : XXXX XXXX XXXX, XXXX, PA XXXX. 

Thank you for correcting my consumer report. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 was an authorized user on my exes ( XXXX XXXX XXXX ) Capital One credit card. Though it reads that my responsibility was terminated, It is still reporting on my credit file that I can see, negatively. Since it was not a joint account and we requested me to be removed, that should not be an issue because the account was his. It was last reported XX/XX/XXXX is what it shows, the limit was {$300.00}. This account should be DELETED from my credit file altogether I also have a Capital One credit card account that does belong to me that was closed XX/XX/XXXX that has been paid off but is still reporting {$240.00} balance with a {$750.00} credit limit. 

I know that old collections have a heavy impact so I need to get them corrected for accuracy. I have 2 open accounts with this same company as well so maybe they are slow updating but it is affecting me greatly.

Company response to consumer: Closed with non-monetary relief