BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: TX
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:
Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX & XXXX CARD are falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX CARD have published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Add-on products and services

Complaint:
I have a Mastercard credit card that has rental car protection as benefit. I traveled to XXXX and XXXX XXXX and rented a car. The car upon return had a minor damage for which I was charged {$150.00} extra by XXXX XXXX XXXX. 

I filed claimed to Mastercard on XX/XX/XXXX and sent them with all the required documents. 

I have been following up since last 4 months and every time I call the Mastercard claim department, I get to hear that they are working on the claim. 

The last call I made was on XXXX XX/XX/XXXX and I was told that the claim was expedited and I would hear back in 24-48 hours.

This period of 48 hours is also passed and I did not hear anything from Mastercard in email or phone.

With no options, I would like to file a complaint against Mastercard for not providing the service they have offered while signing up for this Credit Card. 

I can provide more information upon request.

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 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 my phone was stolen from a restaurant. I tracked my phone found it was in XXXX. The next day I put my phone on a freeze with XXXX so it couldn't be used. I was without a phone for a few weeks. I then purchased a new phone kept same phone number. Everything from old phone transferred to new phone. I was unable to receive phone calls. I thought is was a phone issue contact and made claims with version. Turnout phone was hacked and they call forwarded all my calls to the " hacker ''. I was unaware of how many calls went through. On XX/XX/2023 my savings account was emptied, leaving me a ZERO balance. I contacted the bank and they stated it was a withdrawal to XXXX which it was not authorized by me. They stated they followed procedure to authorize the transaction. It was not ME as my calls were forwarded to the " hacker ''. I filed a fraud complaint with Bank of America and went down to the bank in person to provide my ID, bank info etc. I gave them everything they asked for. I also filed a fraud complaint with XXXX. The bank sent me a letter stating my claim was denied. 
I am a college student working 2 jobs. I need to have this money returned to me ASAP. 
Please assist me. I will provide anything you need. The name that was associated to the withdrawal was XXXX XXXX. no phone or email attached.

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 2022-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: AMERICAN EXPRESS COMPANY
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've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: FISERV INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, XXXX XXXX XXXX attempted to charge my XXXX XXXX  account XXXX which I should have just been charged {$26.00} because I am on the affordable connectivity program ( they charged me the amount of {$26.00} on XX/XX/2023 ). So they ended up charging me the XXXX AND XXXX which I disputed the XXXX on XX/XX/2023. A XXXX of XXXX was credited to me on XX/XX/2023 and was finalized on XX/XX/2023 through XXXX XXXX  XXXX Today, XX/XX/2023, I was sent a debt collector letter from TRS RECOVERY SERVICES of XXXX which I do not owe and will not 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 2023-08-23
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited some money into my chime account from my main bank XXXX. Shortly after. I received an email stating that my account was suspended and I need to provide a necessary document to answer unsuspect it. I've been providing those documents for almost XXXX weeks now. And there has been numerous calls to the company stating that all my documents has been sent. However, they keep asking for the same thing over and over again. And still asking for documents will still did provide. My account can not be unsuspended and the money be reimbursed if don't provide the same documents. This money is my tuition money. And I have missed the deadline for a normal registration and we're in a late registration and I have to pay extra for and I do not have the money for it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a personal loan with Pentagon Federal Credit Union and make principal-only payments as often as possible to pay down my loan faster. The process for principal-only payments at PenFed creates an unnecessary barrier to repayment. First, I have to pay my monthly amount due by phone or online ( I understand that part and I'm okay with it ). I don't have the option to make a principal-only payment at that time. Then, I have to go online and transfer the amount I want to pay towards principal to my PenFed savings account. I can't pay principal-only direct from my external checking account, even though I can make my regular monthly payments from it. After that, I have to wait up to 5 days for the money to become available in the PenFed savings account. Finally, I have to call PenFed to make the principal-only payment. You can not make these payments online and sometimes there is a lengthy wait to speak to someone. 
It is unfair that someone has to take so many steps to pay down their loan and this process may result in consumers not making principal-only payments when they otherwise would because of the time/hassle involved in doing so.

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 2022-12-02
Company: EQUIFAX, INC.
State: NH
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 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 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 XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

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

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 2022-02-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I believe you reported inaccurate information about my account to XXXX and XXXX Reporting Agencies. I am asking for you to correct the inaccuracy of a late payment on my account. 

This is due to the U.C.C. 240.10b-10 ( a ) Disclosure requirement. It shall be unlawful for any broker or dealer to effect for or with an account of a customer any transaction in, or to induce the purchase or sale by such customer of, any security ( other than U.S. Savings Bonds or municipal securities ) unless such broker or dealer, at or before completion of such transaction, gives or sends to such customer written notification disclosing : ( 1 ) The date and time of the transaction ( or the fact that the time of the transaction will be furnished upon written request to such customer ) and the identity, price, and number of shares or units ( or principal amount ) of such security purchased or sold by such customer In the Attached documents I only Receive the billing statement after receipt of a Late Payment Statement. 

This Can not and will not stand as the bank was requesting funds after taking legal action without providing me a chance to have made the payment. 
Thus, there is Not Form of Offer, Acceptance, Or Consideration taking place. Instead, your bank is not upholding its responsibility to present the payment contract to receive payment. 
This is a much bigger problem because payments can not go to collections without attempting to reach me to receive payment. 

The Only reason I Initially used the card was, to accept the option to the card to stay open and maintain my relationship with HSBC. Now I am experiencing greater detriment as a result. This is also reflected in the correspondence. 

This was for an initial purchase of a Low {$36.00} purchase, by which has since been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: GOLDMAN SACHS BANK USA
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:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE APPLE CARD/GS BANK USA 8 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, 2023 Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX 2023. 
Status updated XXXX 2023 Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion has continuously neglected to remove fraudulent listed accounts from my credit file, XXXX XXXX XXXX XXXX Judgement of repossession, Public Record/ - {$7400.00} XXXX XXXX XXXX  Pre paid card- {$330.00}. 
XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$30000.00} XXXX 's XXXX All Accounts, and alternate names such as XXXX XXXX XXXX {$820.00} XXXX 

I have filed a Police Report, report number # XXXX which is backed by the Federal Trade Commission, On all accounts listed showing up fraudulently ony credit report to that TransUnion are to remove immediately upon receipt of the Police Report, and Federal Trade Commission report numbers This is the first legal ( paperwork trail/ form of Documentation.

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 2022-02-19
Company: OneMain Finance Corporation
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 have unauthorized inquiries for the following companies : XXXX. XXXX XX/XX/2021 XXXXOnemain Financial XX/XX/2021 XXXX. XXXX XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX  XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. On XX/XX/2018, I received a letter from my lender WELLS FARGO claiming that there is a shortage in my escrow account of {$930.00} due to this issue my monthly mortgage payment went from {$2200.00} to {$2400.00}. 

It is important to let you know that I was never formally informed or notified by Wells Fargo about this shortage ONLY until XX/XX/XXXX. It is Wells Fargo 's responsibility to notify me is there a change in my mortgage account. 

I called Wells Fargo and complaint about this matter and my case was assigned to an executive investigator. Will you kindly help me to make sure this executive conducts an honest and fair investigation? 

The name of the Wells Fargo Executive is XXXX XXXX XXXX My Wells Fargo account number is : XXXX Name : XXXX XXXX PH : XXXX Please see the Wells Fargo escrow statement attached herewith.

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 2023-04-17
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They are calling me more than 5 times a day everyday non stop. I am unable to pay them right now due to a change in income. I've informed them of this and asked them to stop calling. They are still calling. Barclay 's bank.

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 2023-08-19
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a victim of a fraudulent withdrawal amounting to {$15000.00} from Wells Fargo bank. Additionally, I want to highlight that I made a deposit of {$17000.00}, and I even have submitted video evidence of this deposit transaction to Wells Fargo. When I contacted Wells Fargo to obtain a copy of the withdrawal slip, I received a copy that was not in color and appeared to be altered. Furthermore, the withdrawal slip does not contain my complete name and does not match my handwriting or signature. 

Moreover, I noticed that my Wells Fargo bank statement only displays the date of the fraudulent {$15000.00} withdrawal but does not indicate the location of the transaction. Additionally, the {$17000.00} deposit is not reflected on the statement, resulting in a total of {$32000.00} missing from my account. I find it deeply concerning that despite reporting these unauthorized withdrawals and fraudulent charges, I have not received any reimbursement or refund for my missing funds. It is distressing to note that the fraudulent charges made to my account have also not been refunded.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
N accordance with the Fair Credit Reporting act, -XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX, account # XXXX -XXXX XXXX XXXX, account XXXX XXXX XXXXXXXX XXXX account # XXXX -XXXX account # XXXX -XXXX XXXX XXXX XXXX account # XXXX -XXXX  XXXX XXXX. account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States. I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
12 CFR part 1022.42 12 CFR part 1022.43 FCRA 15 U.S.C. 1681 2 ( b ) In XXXX, 2022 I was denied credit by consumer cellular and they used information and scoring reported by Equifax. The negative information is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: The Bureaus, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive asked on several occasions to receive verifiable proof that this debt belongs to me with my original signature with this company based on fair practices according to the FCRA. They have not sent me any verifiable proof but have damaged my credit.

Company response to consumer: Closed with explanation