BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Truist fraudulently and criminally stole {$300.00} from me when they did not complete a XXXX transaction they said they were going to do within minutes. They refused to give me the money that is rightfully mine and not theirs.

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 2018-06-30
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I was expected to receive a refund on the XXXX of XXXX from the merchant XXXX in the amount of {$130.00}. This has been processing for some time and I fear that this will take longer than expected and that nothing is being done. This has never happened with this company, and given my luck, I am sure that something more is wrong and going on. I have waited long enough and need my money. I have contacted American Express via phone and the agents say that everything is fine, but they have no way of sending a message to whoever is in control of the processing hold on this refund. I never really received any updated info on this, and day after day, the refund is just sitting there processing. I strongly believe something else is wrong here. My email for this account is XXXX and the last four of my social is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: FL
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your companies. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2022-10-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was seeking to rent an apartment on listed on XXXX and XXXX. I found an apartment that I like and requested more info through the sites. I was contacted via email by a person who identified as XXXX XXXX. The person claimed to be the owner of the property. He contacted me and advised that there were several people that inquired about the apartment and in order to hold the apartment for me, Id have to make a deposit, pay first months rent, and a {$300.00} cleaning fee all totaling to {$3200.00}. He advised me that he had a death in his family and was unable to show the apartment as hed be out of town attending a funeral. He also advised that I wire transfer the payment to the following ( via wire transfer ) : Full Name : XXXX XXXX XXXX Bank name : XXXX XXXX Teacher 's XXXX XXXX Bank address. XXXX XXXX XXXX XXXX XXXX NY XXXX Account number : XXXX Routing number : XXXX Type of account : Checking Reference No : XXXX I sent the payment of {$3200.00} to the person. He confirmed and acknowledged receipt. I also signed the lease electronically. 

I felt that this communication was suspicious when he later changed his narrative and advised that the apartment would not be viewed until the day before move in day ( scheduled for XX/XX/2022 ). I immediately requested a refund. The person stated that the refund can not be wired back to me and hed send me an overnight check in the mail. 

I received an email from the person on XX/XX/2022. He claimed that he advised his bank account XXXX to send me a check for my refund and send him a check for his traveling expenses. He claimed that the bank account officer mistakenly sent one check that included my refunded along with his traveling expenses. He requested that I deposit the check as soon as I receive it and collect my refund and immediately forward him the remaining balance of the check. 

I received a check the following day in the amount of {$10000.00}. It did not look legitimate. The check was from XXXX. I contacted XXXX to make sure it was legit. I was advised that they did not have the said claim number or draft number. The was a fake XXXX check. 

I contacted the person back via email and text stating : Good afternoon XXXX, I am in receipt of your email ; as well as the check. Please be advised that I have reported this check as a fraudulent check. This matter is currently under further investigation and legal action has been set forth. Thank you. 

I received no further response. 

On XX/XX/2022, my bank deemed this incident as fraud but denied the money to be returned to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried getting ahold of all three credit companies, and I've gotten nothing back. The fraud alert should have been taken off a long time ago. It's to the point where literally no one can verify my identity online at all. And there is things on my credit report that I have disputed multiple times and nothing has been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$190.00} XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} TransUnion : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$7500.00}

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 2023-07-17
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: Reporting company used your report improperly

Complaint:
Cfpb reinvestigation 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 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-12-08
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX. Mohela is charging interest on my student loans despite the loans being in COVID forbearance and should not be accruing interest.

I have heard from others this has been occurring with their loans managed by Mohela. 

XXXX. I also believe that Mohela is delaying application of credit for months in forbearance towards loan forgiveness despite the periods of employment having been approved as eligible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
I am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. XXXX responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: CITIBANK, N.A.
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, my citibank bank account was closed without warning. 

About closed to {$2000.00} was deposited ( utilizing XXXX, depositing checks ). Upon calling their fraud center ; I was given no reason as to why my account was closed, and was told if there was any funding ; I am to expect a check within 30-60 business days. 

This is the second time in the last month I deposited utilizing their mobile deposit ; the first time they purposely blocked my access. It was blocked to protect themselves from any checks bouncing. And every single one of those checks posted and I was without pay for 3 weeks ( that caused late payments/fees to all my bills due around the end of XX/XX/XXXX, and beginning of XX/XX/XXXX ). I called several time and was told to wait 7-10 days and kept getting the work around. 

Anyways, I got on the phone at the end of third week from the day it was blocked and the gentlemen without question unblocked my access since every single check went through. 

Back now in XX/XX/XXXX, same mess instead they just closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a Letter from Financial Asset Management System, XXXX XXXX. XXXX  XXXX. XXXX, GA XXXX with a Contact # XXXX. Dated XX/XX/20. 
CREDITOR : XXXX ID NUMBER XXXX {$1900.00}, with a PRINCIPAL {$70000.00}, OTHER CHARGES {$40.00}, TOTAL {$72000.00}. Listed on the Letter is a XXXX XXXX, Vice President of Operations @ XXXX. I have requested for the Umpteenth time to be Released as Co-signer from all Loans.

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 2021-09-28
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: Information belongs to someone else

Complaint:
This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax & XXXX, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Furthermore, I spoke with their employees who were introduced to be someone other than a sales person & also claimed not to work on commission. Unfortunately I can't remember the names of the people I spoke with. I was told that I'm actually making a good financial investment, especially because it have some tax benefits similar to owning a 2nd home. Plus, resale value would go up. They said I can also earn money from it, getting rental income. I was lured when they also promised that I'll never have to pay maintenance fees again. They made me believe I was being given the privelege of getting this special offer because they needed to get " corporate approval '' to give me the price being offered. I felt pressured and rush when they told me it's my last chance to upgrade at the lowest price. They had me open a credit card for this. They promised free vacations bonus, which I never received at all. They didn't even discussed how to cancel, or made me aware as to how many days I have in order to cancel. I've sent request to cancel but they never cancelled it. I already have medical conditions such as XXXX and XXXX, & it simply doesn't help when I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down because of this as well. It's very stressful having this timeshare, they've put me to collections, I can't even get a loan because of this. I am a victim of the XXXX timeshare scam. They told me that timeshares are fantastic investment, which is untrue. There was a high-pressure time shaper presentation that lured me in with the promise of a cheap vacation. I was told by the salesman how the program is good & the points. The sales person told us XXXX XXXX XXXX XXXX XXXX, which paid for {$18000.00} could get us 20 nights at all kinds of beautiful resorts every year throughout our lifetime, at any time, which was untrue as we were not able to find any availability when we try to book. We were defrauded & lied to. This is the biggest scam I encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Account information incorrect

Complaint:
Transunion and other credit report companies has reported wrong loan amount totaling more than {$40000.00} on my credit which is wrong. I have already paid the balance in total as per my previous submitted complaint 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 2023-01-12
Company: JPMORGAN CHASE & CO.
State: NV
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:
On XX/XX/XXXX with my Chase Sapphire credit card account I redeemed my rewards points for a flight for myself and another passenger from XXXX to XXXX with the travel dates of XXXX XXXX XXXX. This redemption costed me XXXX points, for a value of {$680.00}. Due to XXXX, my aforementioned travel plans were cancelled and Chase emailed me stating " We have issued an airline credit for your flight ... the details will be emailed to you in a confirmation email ''. This flight credit or confirmation email was never issued to me, and several of my attempts to discuss this matter with Chase to claim my travel credit has failed due incompetence of this subject matter by their rewards department. Each trip advisor and supervisor state they will call or email me within XXXX days with a resolution to this case, however I do not not receive any correspondence beyond the XXXX day timeframe given. I will then reach out to Chase after several days, but get the same go-around. After many unsuccessful attempts to resolve this directly with Chase, I would like to file a complaint so this problem can be resolved. I have all appropriate documentation to support my claims and will be happy to provide these upon request. 

*On a side note, XXXX Chase representative claimed my travel credit would likely have expired because it is beyond XXXX years since booking, but my refute to this is that XXXX and XXXX did not reopen their borders for international travelers until XXXX, XXXX, so I would not have been able to use it during that XXXX year window regardless. Since the borders have reopened for foreign travelers, I have been trying to reclaim my credit with Chase, but without success and would appreciate your department 's assistance. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account XXXX, XXXX XXXX  account number XXXX has violated my rights.

15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C.1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank refuses most of my transfers to other banks. They have locked my account 3 times in 2 days. They currently are refusing to approve a XXXX transfer to myself at XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, I sent a letter to the bureau  disputing incorrect personal information in my credit file, I requested the bureau to remove the incorrect information because they were incorrect, but the bureau didn't respond within the 30 days period allow by law. I sent a second letter on XX/XX/XXXX with the same information I requested to be verify or remove, the bureau responded on XX/XX/XXXX requesting proof of my identity, I sent on XX/XX/XXXX a copy of my social security number, a copy of my ID and a copy of a bill with my current address on it since that date the bureau didn't respond or remove the information I disputed and kept reporting these information in my credit report.

Company response to consumer: Closed with explanation