BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Case XXXX is for the amount of {$580.00} and case # XXXX for the amount of {$1900.00}. XXXX XXXX provides the following statement about Ally XXXX response to his claims : Ally Response - Issued case numbers for investigation, but on a phone call with the Ally dispute team, they twisted my words around. Be advised that Ally Bank would be subjected to California Business and Professions Code 17200 where it prohibits any unlawful, unfair or fraudulent business act or practice which allows restoration of money or property acquired improperly ( Fletcher v. Security Pac. Natl Bank ( 1979 ) 23 Cal. 3d 442, 451 ). Further, you may also be subjected to punitive damages if fraud is proven by clear and convincing evidence ( California Civil Code 3294 ( a ) ), in addition to prejudgment interest on damages ( California Civil Code 3288 ; Alliance Mortgage Company v. Rothwell ( 1995 ) ( quoting Nordahl v. Department of Real Estate ( 1975 ) 48 Cal.App.3d 657, 665 ) ). 

In every contract there is an implied covenant of good faith and fair dealing by each party not to do anything which will deprive the other parties of the benefit of the contract. Sutherland v. Barclays American/Mortgage Corp. , 53 Cal. App. 4th 299, 314, 61 Cal. Rptr. 2d 614 ( 1997 ). A party to a contract breaches the implied covenant of good faith and fair dealing by interfering with or failing to cooperate with the plaintiff in the performance of the contract.

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: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act 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 2. states a Consumer reporting agency can not furnish a account without my written instruction.

BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires I will list them here also. 

Account 1 OPENED XXXX XXXX # XXXX Balance {$560.00} XXXX # XXXX Balance {$14000.00} XXXX XXXX XXXX # XXXX Balance {$1000.00} XXXX XXXX # XXXX Balance {$140.00}

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 explanation
Consumer complaint received 2022-07-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I deposited a mobile check I received via email for {$3500.00} as a payment. Within 20 minutes of submitting the deposit, the sender began to give threats to my life if I did not send back to the money within the next 10 minutes. I returned the money using XXXX through my Wells Fargo banking app to the email they directed me to send to, as I did not want to chance these threats to be true. Wells Fargo had placed these funds into my available balance so I believed the funds to have gone through and that the check had cleared. This was not the case, and on XX/XX/XXXX I received an email from Wells Fargo stating they were taking the already returned {$3500.00} out of my account due to forgery because the check they sent me bounced and was fraudulent. I submitted a claim to Wells Fargo on XX/XX/XXXX as soon as this happened, and it is XX/XX/XXXX and I am still waiting to hear anything from them on the status of this claim. I have tried to call 10+ times and get passed around until closing time, where they then direct me to call in the morning. I have filed a police report with XXXX XXXX police department ( case number XXXX ), and still am not getting a resolution nor has my stolen {$3500.00} been returned to me. I have now lost an additional {$720.00} because of Wells Fargos lack of care to address this claim, as my rent got returned even though the funds were available at the time i paid the rent, but because they processed the payment after I had to put a hold on my account, the money got returned to the negative balance and I have been unable to pay my rent and am incurring late fees because they will not actively tend to our claim and return the stolen funds.

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 2023-09-15
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 XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00}

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 2022-06-01
Company: U.S. BANCORP
State: AZ
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:
On XX/XX/22 I received a notification from XXXX XXXX that a new hard inquiry was submitted to my XXXX Credit Report from US Bank with a phone number of XXXX. The inquiry was dated XX/XX/22. To my knowledge I do not have any new applications for credit in process, nor have I specifically authorized US Bank to do any credit inquires. 

I called US Bank and they said they had no record of the inquiry and no accounts on file. Since I had identify fraud two years ago ( US Bank was one of the lenders ) I contact XXXX and froze my credit. They indicated that US Bank did the inquiry per Permissible Purpose ( Section 604 15 U.S.C. 1681b ) but they have no details. Is US Bank obligation to disclose what the permissible purpose is? 

I did receive a settlement check and a letter from US Bank dated XX/XX/22 for as settlement I was not aware of. See FTC vs AMG XXXX. 

It would seem odd for them to run any inquires after checks have been issued. 

Please advise.

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 2019-04-03
Company: Flagstar Bank, N.A.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am currently in default ( missed 2 payments ) with mortgage company ( Flag Star Bank-Mortgage ). I am being harassed, discriminated again and violation of mortgage contract. The property has been up for sale since XX/XX/XXXX and Flag Star was advised of this. The property is still on sale and has a sale sign out front on the lawn. On XX/XX/XXXX, I came home to a note on my door by XXXX XXXX ( a property preservation company hired by Flag Star ). The note stated they were informed that the property was vacate and will be sealed or winterize if no contact is made within 3 days. I called XXXX XXXX and was advised that I needed to contact the Bank. I contacted the bank and advise them that I still reside in the property and that it is currently for sale. They advised me that, because I am default, I will still receive phone calls, mailings and visits but they will document that the property is up for sale. On XX/XX/XXXX. I was advised by my next door neighbor ( I was at work ), that there was a truck in my drive way and was I expecting anyone. I told her no. She stated she will see what's going on as the truck and 2 men did not have any company logo on but she seen them walking around my house. When my neighbor went outside and looked, she didnt see the men. She than ring the door bell and 1 male answered. She advise them that my neighbor lives here and did not authorize anyone in her home. The male stated the bank told them to come here but since someone is occupying the property that they were leaving, they don't want to be involved. I called the police and advised them of the matter. The police advise me that it was a civil matter. However, they contacted the company regarding the matter. I also contacted the bank and advise them of the situation. The rep told me no one was supposed to go into the property but that I will continue to have visits, mailings and phone calls because of the default. XXXX, also contacted me and stated they have documented that I called XX/XX/XXXX. However, the bank never contacted them confirming that I occupy the property. They also stated they took pictures of my home and that it " looked nice ''. When I came home that evening, lights were left on, cabinet doors left opened and I still do not know how the 2 men from XXXX entered my home ( w/o my authorization ). I am in fear that I will continue to be harassed and that one day I may come home and the property is seized w/o proper authorization.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2023 I got my credit report. I noticed there was some unauthorized hard inquiries that I didnt apply for. I sent a letter to the credit bureaus and I told them that the inquiries were not authorized and they still havent removed them. Can you check this out please.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$0.00} XXXXXXXX XXXX XXXX XXXXBalance {$0.00} XXXX XXXXXXXXBalance {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance {$290.00}

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
15 usc 1681 permissible use -never gave permission to furnish my credit report 1666b Timing of payments - Can not report a late payment on a open end Credit Account Section 602 States I have the right to privacy 15 usc 6802 obligations with respect to disclosure of personal information ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 usc 6803 Disclosure of institution privacy -At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  XXXX Acct # 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 2019-11-05
Company: Remitly, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello and I would like to know why remitly is not updating me on the transfer that was supposed to be completed, they sent me confirmation that the money was completed on XX/XX/2019 and today is XX/XX/2019 but the bank it was sent to is denying the transfer, so how can they confirm when the funds never made it. I was promised a call back after the investigation but they failed to do that, I made several attempts my self and finally was able to get in touch with the company but they don't have no updates, I would like my money back as I feel this is a scam, why do they promise money in minutes, when it's been a week since the transfer. The money is going to a relative for health treatment and they country it is being sent to unfortunately they do not start any treatment unless payment is made before any procedure. How can these companies get away like this? This is hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear CFPB, I am writing to file a formal and detailed complaint against Venmo, a mobile payment service, for grave violations of privacy, potential breaches of consumer protection regulations, and possible infractions of Florida banking statutes. The following comprehensive account outlines the distressing issues I have experienced : Privacy Violation : Venmo consistently requested ID verification and mishandled my personal information, constituting a severe violation of privacy. 
Unauthorized Access and Hacking : My Venmo account was hacked in XX/XX/2023, bringing into question the efficacy of Venmo 's security measures and the protection of user accounts. 
Failure to Resolve Unauthorized Transactions : Despite reporting unauthorized charges, Venmo neglected to promptly address and resolve these issues, compromising the financial security of its users. 
Customer Service Concerns : During my interactions with Venmo representatives, I encountered unprofessional behavior, including representatives hanging up and providing conflicting information, significantly diminishing the quality of customer service. 
Potential Violations of Florida Banking Statutes : Florida Statutes, Chapter 655, Financial Institutions, governs banking activities in the state. Venmo 's actions may have run afoul of these regulations, necessitating a thorough examination. 
My Story : In an attempt to address these issues, I willingly provided Venmo with my ID, successfully verifying my identity. However, the unauthorized charges persist, and Venmo 's inconsistent responses have caused considerable distress and financial uncertainty. 
Request for Investigation : I kindly request that the Consumer Financial Protection Bureau conducts a comprehensive investigation into these matters to safeguard consumer rights and hold Venmo accountable for any breaches of privacy, consumer protection regulations, and potential violations of Florida banking statutes. 
Supporting Documentation : Enclosed, please find supporting documentation, including communication records, ID verification attempts, and evidence of unauthorized charges. 
I appreciate your immediate attention to this matter and anticipate a swift resolution that upholds consumer rights and financial security, consistent with Florida banking statutes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I, XXXX XXXX had applied for an XXXX crdit card. Happened that after a few months paying My account on time, I discovered that this financial institucin, Synchrony Bank enrolled me IN a " Credit Card Insurance Fee '' which I did not Requested or authorized. I contacted the bank and they told me the can't do anything. It is SCAM. I request You intervention to fix this annoying and unpleasant situation and this bank and or Insurance company make me a full REFUND of all the ilegal charges done on My account. Thanks XXXX XXXX XXXX Ph. XXXX Last XXXX S.S- 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 monetary relief
Consumer complaint received 2023-11-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
In accordance to fair credit reporting act these companies have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was utilizing the XXXX feature that my bank, CHASE, has provided ; and they CLOSED my account shortly afterwards. I received a XXXX payment of {$800.00} WITH NO PROBLEM. I then utilized the XXXX feature again to send some of the money, {$790.00}, but They blocked my account and restricted me from accessing my money. 

Keep in mind that this happened on the XXXX of XXXX, and my rent is due on the first of XXXX! How am I supposed to pay my bills when they just up and closed my account with NO EXPLANATION. I have 0 access to my money! 


They would not tell me the reason for closing my account after I asked! I have been a client of theirs for XXXX  years and they treated me like this! 

They didnt show any type of concern and treated me like I was scum at the bottom of their shoe. I NEED TO PAY MY BILLS. I am a taxpayer and I am ENTITLED to my money just as the next person! 


The lady said it will take a month for me to receive my money in check form in the mail. NOT ACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: OH
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, 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 explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: PA
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:
It is a fraudulent account on my credit, XXXX is the original creditor from XXXX XXXX XXXX. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation