BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX the last thing i used my debit card for was to order XXXX XXXX for my XXXXXXXX XXXX wife so she can have her pomegranate. About a little later i wanted to check my bank account to see how much i have left but for some reason my facial recognition on my app wasnt working and was asking for my password which i found weird in the first place. I try to type my info in at around XXXX and it wasnt working. Then i tried to change my password and my email wasnt even matching the files on their app. So i just hoped it was a maintenance think because Ace XXXX Flare is the card/bank i have and they dont have a 24/7 help system nor a 2 step verification. On XX/XX/XXXX i battle with my banks verification process because i didnt know that the person that stole my money changed my info on my file so on the XXXX try of calling and plugging in info i finally was able to answer to security questions that didnt have to do with the last transaction and the pin number. When i logged on i saw that the hacker transferred all XXXX dollars from my saving to checking and spent XXXX dollars at a texas XXXX XXXX. This hacker created a virtual card in my bank account to purchase and changed my info on my profile to something in texas which i have a screenshot of what he changed it to. Im negative XXXX dollars and i have no money for XXXX and no money for when my child XXXX XXXX. i reported that fraud n and made a dispute with my company but It says the next update is on XX/XX/XXXX but i cant wait that long and i have no help please if you can help me asap

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2024-01-06
Company: I.C. System, Inc.
State: WI
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 C systems XXXX dollars charter filed 6-12-2023 garnish of wages and hurting my credit. I had a credit score of XXXX in XXXX and now it's XXXX. Things came off my report and now I have XXXX and XXXX has my pay being garnished

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was hacked and a large lump-some was stolen. I immediately contacted my bank ( CHIME, a popular online bank ) and reported the fraudulent transaction of {$670.00}. I submitted a dispute, which they denied. I then collected more evidence that it was a hacker, and also fraudulent, and submitted an appeal for their decision ( they call it a rebuttal ), chime then reassures me that with the additional evidence it should be handled within 15-90 business days. I checked my email this morning and they decided to again deny the claim. I believe the bank is refusing to refund my money due to it being a large amount. The evidence I submitted clearly shows that the wired transfer was illegitimate and fraudulent. The hacker stole over half my paycheck and I have been without money for over two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In disdain of multiple previous written requests, the incorrect accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct or remove the accounts.This is my several request to the three Credit Bureaus abut yet it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please correct or remove these accounts which are inaccurate from my personal credit file : DEPTEDXXXX XXXX Balance Owed : {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

DEPTEDXXXX  XXXX Balance Owed : {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance Owed : {$2400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2022-12-26
Company: BARCLAYS BANK DELAWARE
State: SC
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 use a Banana RepublicXXXX credit card supported by Barclays. I have XXXX dollars in reward. On XX/XX/2022, I made a purchase of XXXX USD at XXXX XXXX XXXX XXXX XXXX, FL. I was not able to redeem my rewards for the purchase. I had requested both Barclays and Banana Republic to resolve this by making the adjustment in my statement. The Banana Republic offered to give more rewards, but I have refused to accept that offer, I would rather prefer, the redemption of the reward and adjustment in my statement.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
i ave many inquiries n my reports all 3 that i do not recognize and want them removed, but the Bureaus refuse to remove them

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 2024-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I make a transfers to XXXX  an investment options the people scam on me for XXXXXXXX XXXX  and the Bank of America tell me they cant do nothing

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 2018-11-19
Company: LD Holdings Group, LLC
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am mortified. 

My husband lost his job and when I am able to challenge credit reporting practices across all three agencies ; I will take my cause all the way to the supreme court if needed. 

Due to the loss of income my husband provided caused all of our debts to be behind. 

We have moved to a new city and planned to be in our new home by XXXX. 

As we are in the homebuying process to purchase a home in my name only, I can not have any late payments on my credit to delay my home purchase. 

I was devastated to find a late payment on my credit file in which the shock sent me to the hospital the same day. 

I have documented proof of my hospital visit. 

My original due date for my Loan Depot Loan is the XXXX of every month with a fifthteen day grace period. 

Therefore, I have should have 33 days to get the payment in or it's considered late and reported to the bureaus. 

According to my records my payment was made within 30 days. 

I am devastated my home purchase has been delayed due to the terms of my mortgage I can not receive final approval until this late payment is removed from my credit. 

Due to this error I have been forced to lease an apartment until this error is removed. 

Even writing this I feel like I'm about to have a XXXX XXXX. 

Please remove the late payment immediately. 

For the record I intend to take my cause all the way to the supreme court for companies who are receiving interest on a loan or credit should not be able to report to the bureaus for a 30 day late payment and the repayment terms should be renegotiated with the interest paid and the remaining balance. 

It's not fair to hold a person 's credit file hostage for 7 years with a late payment filing especially if a personal or household is experiencing financial hardship for any reason. 

In most cases the original loan amount has already been paid in full ; it's the interest that is carrying a balance. 

Companies need to stop being greedy and offer individuals relief who have paid their company handsomely in interest rates and not a 7 year sentence of injurious nature to a persons credit file adversely affecting their lives for seven long years. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and XXXX kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. TRANSUNION credit report got worse. I have over 100 inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX children. Im getting medical bills out of no where fake guarantors numbers, data breaches from Warning Signs Early, TRANSUNION has credit wise capital XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and TRANSUNION is showing up differently over 50 times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, XXXX XXXX XXXX XXXX then, my kids medical information compromised, XXXX already repetitively getting data breaches from them shows : intersections, XXXX XXXXXXXX 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 NOT DONE BY ME OR ISNT MINE ALL XXXX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO XXXX 3-4 in the last 2 years. XXXX wont give me access to my credit report with the correct information, there is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to compromised former business XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!

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 2024-01-06
Company: I.C. System, Inc.
State: TX
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:
XXXX XXXX I filed a complaint dispute with XXXX XXXX and XXXX on behalf of information they are listing from XXXX XXXX XXXX, I.C. Systems, INC and XXXX XXXX XXXX 
Per the FCRA, as a federally protected consumer, I am now opting out all authorization I the consumer may have given you. This includes verbally, nonverbally, written and unwritten permission per 15USC 6802. Effective immediately and indefinitely.

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 2023-12-19
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:
My credit report with Experian contains numerous instances of incorrect information. About 80 % of the information is not mine and has no connection to me. This includes : incorrect names, many incorrect residence addresses, incorrect birthdate, multiple incorrect social security numbers, and a large number of bank and credit accounts that I have no association with and have never opened. At least one or two other people 's information appears to be mixed in with mine. This includes bankruptcies and discharged accounts which make my credit record look terrible. 

Multiple calls to the Experian dispute department have resulted in XXXX action or resolution. I have been calling for over a month. I am currently on my third " case ''. The previous two cases were opened, and supposedly provided to the internal department that resolves data errors. Both cases were closed without any information being captured, and with no resolution to the problem. Each time I call, I'm told it will be 5 business days to fix it and that I'll be contacted. I have never been contacted and the issue has never been addressed. The customer representative can never provide me a status, has never once indicated that the internal department is looking into the matter, and stonewalls me when I ask for an escalation path or for the contact information of someone in the mysterious internal department who i can contact directly. 

Experian 's handling of this issue is utterly shameful. The customer representatives have XXXX information or status they can provide me. They refuse to provide any further contacts to me so that I can check in on the status myself to ensure that the required actions are addressed. And they have opened multiple cases and then closed them without recording any resolution or reason for closure. At the same time that Experian fails to correct their data quality issues and misrepresents my own creditworthiness to creditors with their own misinformation, multiple times a day they are pushing their credit products on me -- a truly insulting and disgusting business practice.

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 2018-11-19
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently was billed by my local XXXX doctor regarding charges for services I did not receive in the total amount of {$210.00}. Because of my failure to pay for services not rendered this office turned over my outstanding bill and all of my medical records to Gulf Coast Bill Collections out of XXXX, FL which is a direct violation of confidentiality and HIPAA laws. I am writing this letter to inquire where I would turn to for help in resolving this matter. Please contact me with any information possible as to actions I should take from this point forward or who could be of assistance. Thank you for your time. 
Contact Info. -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Consumer Financial Protection Bareau, In our FACES XXXX is acting, performing, delinquency as a real and professional Fraud Company As a real XXXX. I HAD ONE AND OVER PROVIDE PROOF OF MY IDENTITY, AND the information they provided representing XXXX and XXXX XXXX as they keep covering their back. PLEASE CFPB review my Documents and see that XXXX  Documents had not any revelance, incorrect information, name, last name, no work info, driver license, a copy of social security number, who the XXXX In the world on this days would barrow at least {$1000.00} without the kind of information. I haven't been able to get a loan by now not even with my XXXX XXXX XXXXXXXX, AND I BEEN WITH THEM OVER 5 YRS. 

On the other hand they are deleting the right information on My account instead of the wrong information contained within and is affecting my credit report and score. 

If XXXX who I provide the same information contained within to proof my identity had already deleted XXXX and XXXX XXXX of my credit report file why XXXX is not.! It's that I'm the only XXXX  person on this world or they playing XXXX  AND looking to the other way. I never file a Dispute to my correct HOME ADDRESS OR CREDIT XXXX XXXX ACCOUNT, SERIOUSLY. I WANT XXXX TO GIVE PROOF OF THAT ME FILE OR CALLING TO DISPUTE THAT INFORMATION. 

I also had DELETED HARD INQUIRIES THAT SHOWS ON THE EMAILS BUT IF I LOGIN TO THE ACCOUNT STILL SHOW ON MY CREDIT REPORT. 

PLEASE CFPB LOOK AT MY ATTACHEDMENTS. I'M SO XXXX  THAT I want back and got their membership back again because I thought they done a good job.

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 2022-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX aXXXX XXXX XXXX  CST, I received emails and phone calls reporting suspicious activity on my debit card. I called Wells Fargo and at that time no charges had gone through. While talking with the re and after stating I did not authorize these purchases 2 more for the total of {$500.00} went through. I said this was not me and I have had my card in my possession and have never given my PIN to anyone. I filed a claim and 7 days later my claim was denied. I appealed the claim and asked for documentation on why the claim was denied. I was told that I approved the text message saying the transaction was mine and that a chip was used and could not be duplicated. I provided detailed text logs from XXXX XXXX XXXX, showing that no text was received and that no text was sent during this time frame. I also provided a screen shot from Wells Fargo banking statement that showed the chip was not used and the card was swiped. I have filed a complaint with the XXXX, Attorney General, XXXX XXXX XXXX and also the FTC, in an effort to get the money back. They have still denied that claim. I have asked that they provide the footage from the ATM, both from Wells Fargo and also the PD. Wells Fargo said they would not supply that information. I have proven that it wasn't me the the requested documentation from Wells Fargo has still not arrived.

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