BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 also states a consumer reporting agency can not furnish a account without my instruction 15 U.S.C 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: OH
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:
According to my research about FCRA 605, Equifax and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial XXXX  which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/2022 XXXX XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2012 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
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: Investigation took more than 30 days

Complaint:
I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXX XXXX XXXXXXXX XXXX, XXXX XXXX was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

XXXX XXXX is known for doing bad practices of this nature. If this matter is not rectify 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 2023-01-20
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today, XX/XX/22, I received a credit report alert from my primary banking institution, XXXX. When I opened it up, I saw that I had a delinquent XXXX XXXX XXXX account to the tune of {$21000.00}. I have never opened any account with XXXX XXXX XXXX, so I was immediately alarmed and called XXXX, who connected me with XXXX to report the fraud. XXXX suggested I file a report with the XXXX which is what I am doing here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: Chime Financial Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2021 I received a PPP loan through XXXX XXXX in the amount of {$20000.00}. I had the deposit sent to my new Chime account. I heard that Chime was accepting the ppp loan so I wanted to try the bank out. However my current bank is not accepting the PPP loan. I had been paying myself weekly, and sometime 's bi weekly to my cash app account so that when I submit the documentation to the SBA for PPP forgiveness it will show that I have paid myself for payroll. As of XX/XX/2021 I received an email from Chime requesting a photo id, a utility bill with my address on file that I used to apply for the account, an explanation as to what the funds have been spent on and they requested receipts where I've spent the funds and requested the promissory note from XXXX XXXX. I submitted all of the following. XX/XX/2021 I was advised by XXXX that I needed to submit over my tax return or a tax form. I explained that a sole proprietor is not required to have an EIN majority of us use our SS numbers. Secondly, to qualify for the PPP loan as a sole proprietor you were to submit an 1040 C form. I have done that and fully approved and have been funded through Itria already.These people are with holding approximately 8k! They lock you out of your account completely so you have no way of seeing ANYTHING! I have explained that in order to have the loan forgiven I had to send deposits out weekly to my cash app. I've also expressed to them if the funds aren't used before next week I will not be eligible to apply for the second round of PPP. What these people are doing is stealing! They are freezing consumer 's accounts left and right to make interest off of hard earned tax payers dimes.Online I've done some research a little to late. It seems as if they do this to anyone that has a few thousands in their accounts or more. I have seen the horror stories where some people gave up and just let them keep their funds. I am not that person! I work hard for my money, and I will not allow anyone to steal from me nor my family! This company should be shut down at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 I sent {$820.00} via Money Gram under the name XXXX XXXX. The money was intended for XXXXXXXX XXXX XXXX  but instead went to XXXXXXXX XXXX. I do not have an account with XXXXXXXX XXXX. I called Money Gram the first week of XXXX to attempt to rectify the situation and was told that it would take up to 10 days to be contacted about rerouting the funds. After not hearing from them, I called back on XX/XX/XXXX and was provided a case number for the first time ( XXXX ) and again told that I would be contacted in 10 days. I still have not been contacted. I have also attempted to contact XXXXXXXX XXXX and have been unable to find corporate contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have complained before and the department just put ne on hold. I do know that all calls are monitored and recorded. And that to me is my only way of providing that I was mis treated by this company.

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 2021-03-18
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I closed my Barclay bank credit card in XXXX because of financial issues due to hurricane XXXX. ( I wasn't able to make the minimum payments at that time ) They sent the bill to XXXX XXXX collections and I paid the collections account. Barclay now says I owe over XXXX $ and reported to all 3 credit bureaus that I am late since XX/XX/XXXX when they stopped reporting in XXXX and the account was closed. I filed a dispute to get that off my credit reports with the receipt of payment from XXXX funding and Barclay won't stop. I paid {$1300.00} to XXXX funding on behalf of Barclay and they won't stop making false claims, this is hindering me getting a better job. I keep disputing it and Barclay reports I owe more money on my credit report. I don't have any other recourse then to file a complaint with the CFPB. I have the receipt that shows I paid what was agreed upon over 3 years ago now. The account has been closed since XXXX. I would like to file a formal complaint under FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - 807. False or misleading representations and 809. Validation of debts.

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 2023-05-04
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello I have had a notive from Pioneer Credit Recovery , Inc in NY and can not get hold of a representative. The XXXX XXXX XXXX that i have was paid last year through pay.gov Now the US Department of Treasury office in XXXX Alabama deducted the balance from my federal refund.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
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/XXXX my grandfather purchased an Investment Certificate in the amount of {$30000.00} from XXXX XXXX XXXX, XXXX Virginia. The Certificate states that it will bear interest the date hereof until original maturity at the rate of 6.85 %. The names on the certificate are XXXX XXXX XXXX and in trust for XXXX XXXX XXXX, which is my aunt. 

My aunt passed away on XX/XX/XXXX, leaving me as the beneficiary of her estate. I went into a local branch of Wells Fargo on XX/XX/XXXX, after researching whom XXXX XXXX was bought out by. I spoke with XXXX XXXX, Personal Banker at the XXXX XXXX XXXX in Virginia. He informed me that he would research the XXXX XXXX and contact me with his findings. On XX/XX/XXXX, XXXX XXXX contacted me and told me that his company was unable to locate any records regarding the Investment Certificate. The only recommendation he has was that I contact the Virginia Department of Treasury to determine if there were any unclaimed funds in either my grandfather 's or aunt 's name. 

I contacted the Virginia Department of Treasury on XX/XX/XXXX. The person that I spoke with informed me that no unclaimed funds existed under either name. She explained that financial institutions are obligated to send any unclaimed funds to the state. She also recommended that I contact the State Corporation Commission. 

I spoke with a gentleman by the name of XXXX with the banking section of the State Corporation Commission on XX/XX/XXXX. He was unable to assist, but recommended that I file a complaint with the SEC. He also stated that I may have to hire an attorney to resolve the matter. 

An online complaint was sent the SEC on XX/XX/XXXX. I have not received a response to my complaint as of this writing. 

On XX/XX/XXXX, I contacted the FDIC and was informed they were unable to help since XXXX XXXX of bought out by another financial institution. The person I spoke with recommended I file a complaint with CFPB. 

At this point, I'm not really sure what other measures to take to resolve this matter. If you have any additional questions or need further information, please contact me at ( XXXX ) XXXX. 

I have attached a scanned copy of the front and back of the Investment Certificate.

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 2021-03-19
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ALDOUS is claiming that I owe them {$910.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is suing me in Superior Court of California for {$3600.00} on behalf of Capital One Without producing a copy of intial credit card application and any account number related to that account. On XX/XX/XXXX  I sent a certified letter with tracking number # XXXX to XXXX XXXX XXXX XXXX demanding a copy of that initial credit card application with my signature and an account number related to that account, and they have started to play cat and mouse game and not responding to our lette

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 business partner 's brother, XXXX XXXX XXXX XXXX open XXXX business credit card accounts using my personal information. I had no knowledge of this until my credit monitoring service ( identity IQ ) alerted me of the negative account. I contacted XXXX XXXX and transunion, XXXX and XXXX to have this matter resolved. It still has not been fixed. MY business partner contacted his brother and asked him directly if he indeed did take out business credit cards in my name. He admitted to it. I will be providing proof of that conversation as well as a copy of the FTC report. There are also fraudulent inquries listed on my credit report account info : XXXX Account 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 2023-07-14
Company: EQUIFAX, INC.
State: TN
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:
Previously, I sent a complaints requesting that you reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, you have failed to respond to my request and there is no response I receive. 
XXXX XXXX Balance : {$24000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: NC
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 submitted letters to Equifax, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
On XX/XX/2021 I placed an order at a restaurant called XXXXXXXX XXXX XXXXXXXX XXXX, as directed I went to the restaurant to pick up my order and the worker told me they had no record of my order and had no food for me. I showed the restaurant worker the pre charge on my phone that o a pending charge of {$75.00}. The worker then proceeded to berate me saying there was no order. I then advised the worker that is alright I will go to another restaurant, to cancel my order. I then left and picked up dinner at another restaurant ( left without any food because there was none and I was being treated with disrespect ). 

XXXX XXXX still charged me the {$75.00} and I then disputed the charge with USAA banking credit card services explaining in detail what had happened. 

I then received a letter from USAA stating they needed more information, I call them immediately, spoke to a representative and further explained that I did not receive, nor did the restaurant have any food for me. The USAA representative I spoke to said they would get the information to the dispute department and said the dispute would be approved. 

On XX/XX/XXXX I received a letter from USAA stating that my dispute was not approved. 

It is unethical for the restaurant and USAA to treat this matter in this manner and I hope that you can assist me in resolving this matter. 

The USAA dispute number is XXXX. 

Please let me know if you need anything else - thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 at XXXX XXXX  I used the XXXX XXXX XXXX to purchase the cryptocurrency STORJ at a rate of {$94.00} for XXXX STORJ. My buy order has been " pending : :ever since meaning I have not received the STORJ nor have I had my money returned. Typically this process takes a few seconds, yet now it's been over a month. My money is essentially just being held hostaXXXX with no word from Binance.US There is no option to cancel and no way to push the order the order through. In the meantime, the price of XXXX has nearly doubled and I've missed several opportunities to turn a profit while my money has been stuck in limbo. 

In the meantime, XXXX has nearly doubled in value and I'm currently missing out on several opportunities because my money is trapped. 

I filed a support ticket through the platform 's web portal approximately XXXX hours after the issue began and was given the ticket number XXXX. I did not hear anything back from the company. I followed up again on XX/XX/XXXX but still nothing. The issue is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 received my credit report then I called XXXX, Equifax XXXX XXXX in regards to Inquiries and addresses that were being reported on my consumer credit report and I was on wait for a very long time for each consumer reporting agencies before getting the fraud department. After getting through and telling them the situation they would not remove them from my report ( XXXX ). XXXX reporting 55 Inquiries & 2 Addresses, Equifax reporting 35 Inquiries & 7 Addresses, XXXX reporting 25 Inquiries. Under US 1681 and 1681n It is my legal write to seek damages moving forward because it has damaged my credit scores tremendously for me and my family. I have uploaded the Inquiry & Addresses parts of my credit report from each Credit Reporting Agencies and pointed & highlighted each one on each report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: OK
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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