BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: NC
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:
2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX and Experian credit bureaus are reporting late payments which is Illegal. I have copy and pasted the Federal law 1681s-3 the Exclusion section.

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent {$43000.00} to an account in the XXXX for a down payment on a house and Wells Fargo the next day locked and put a hard hold on my account which the only way to solve is to fly back to the XXXX and sort it out. 

The receiving account couldn't receive the money either because wells Fargo blocked it so it was supposed to get refunded but it has been over XXXX weeks and the money is not in my account. Receiving account showed me a XXXX copy and wells Fargo claims they know nothing of this. 

I don't know when OR if i will even get the money back

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 2023-11-16
Company: Thaxton Investment Corporation
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution has furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion credit report frozen XX/XX/2021 at XXXX XXXX  CST. An unauthorized inquiry was placed on my TransUnion credit report XX/XX/2021 at XXXX XXXX CST. The inquiry is unauthorized and TransUnions error let the inquiry be placed, while my report was supposedly frozen. After speaking to multiple supervisors regarding this issue, the state they are unable to see the time that the inquiry was made and accuse the inquiry of being made prior to the freeze being placed, which is untrue. TransUnion claims to not have factual data or time stamps of when an inquiry is placed, therefore they assume the inquiry was placed prior to the freeze being placed, which is also untrue. After explaining the situation multiple times that the fault lies in their system, in that they should have blocked the request for my credit, since the freeze was already in place when XXXX checked my credit. They refuse to remove the inquiry and no resolution was made.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX OF XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 2021-04-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no specified reason, just saying for my protection for 180 days it had been way over that period of time. They sent me an email saying my balance is available for withdrawal now but its is not allowing me and they are not providing any help. I don't know if this is some mistake with their system. It has been months now I have been living without my benefits but I was just told I can make a report on her by a friend if I feel like they are not properly doing their job. This has affected me too much as I use this as my deposit for my corona benefits. 

My account is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This letter is regarding a false debt that I have repeatedly tried to resolve with the company, XXXX XXXX XXXX XXXX XXXX. I ended up having to file a fraud report against the company with XXXX, Report # XXXX. I believe this false billing is in retaliation for reporting them. 

In XX/XX/2018, I received a bill, in the amount of XXXX, from XXXX XXXX XXXX XXXX XXXX showing a total billed amount of XXXX for date of service XX/XX/18. Please see front and back of statement dated XX/XX/2018. 

XX/XX/2018 XXXX  Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX  Insurance Contractual Adjustment of XXXX Reverse XX/XX/2018 XXXX  Payment XXXX Total insurance payments made are in the amount of XXXX, leaving a XXXX co-pay, which my secondary insurance needed to pick up. So, provided my secondary insurance information. 

Then in XX/XX/2018, I received another bill. Please see statement dated XX/XX/2018. The big problem on this bill is now that XXXX had payment from both my insurances and somehow they are trying to bill me XXXX. This bill shows the following total amount billed XXXX. 

Adjustments of XXXX XXXX  Insurance Payment XXXX XXXX  Insurance Payment XXXX The total payments and credits come to XXXX, showing this account was not only PAID IN FULL, but that it was over paid by XXXX. Yet, somehow, they come up with this XXXX number saying it is due. How can they not see their own accounting problem? 

After multiple attempts to try to get XXXX  to acknowledge the problem I finally called my insurance company who also confirmed that according to their records I was only responsible for XXXX and that if the other insurance over paid then we would not have any balance due. 

By XXXX  own accounting, the bill was XXXX, they received XXXX in credits and adjustments. So how can XXXX make up a number and send me multiple bills and ignore all my attempts to resolve this, unless it is intentional? 

In summary, I owed XXXX co-pay showed on statement dated XX/XX/18. Then I provided my secondary insurance information to XXXX to cover my co-pay. XXXX then received an additional XXXX from my second insurance which ultimately over paid the account and yet XXXX somehow says the account is still owed XXXX. The accounting on their own bill does not add up. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: VW Credit
State: TX
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'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi XXXX informed me that they will not delete the fees of {$990.00}. It is not interest or principal. It is a fee that Chase had on it books for a foreclosure case that was dismissed .see attached. IF it was dismissed they are not entitled to any fees because the loan documents Chase can only collect fees if they were the prevailing party. Chase sold the loan to XXXX. For many years Chase never collected this fee. The statute of limitations to collect his fee has expired. Moreover, the attorney for Chase AT THAT TIME WAS CONVICTED FOR FRAUD. YO CAN XXXX XXXX XXXX XXXX .his FEES WERE OUTRAGEOUS. Neither XXXX  OR cHASE CAN PROVE WHY THEY are entitled to to the {$990.00}. 
Please help!!! 
Thank you. 
XXXX XXXX CELL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- MAILING ADDRESS XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-18
Company: CAPITAL ONE FINANCIAL 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: Reporting company used your report improperly

Complaint:
This complaint is equally directed at XXXX reporting agency, XXXX reporting agency, and XXXX Reporting Agency. 

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights.

Under 15 USC SEC.602 ( a ) states I have a right to privacy.

15 USC 1681 SEC.604 ) A ) Also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 ( b ) A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: TX
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$100.00} amex ( American Express ) gift card from my employer. For over a year I have tried to use this card numerous times. It does not work on any online retailer I have tied. My card shows it is activated and has a balance of {$100.00} on the amex website but I am getting decline for every purchase I try to make. All attempted purchases are for les than the balance of the card yet it is still getting decline. 

Amex has made it impossible to contact customer service. The number they provided on their website only takes you to an automated line with no chance of every speaking to a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
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.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: LA
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with Equifax. I was emailed a notice stating only that their investigation had been completed. They never notified me as to the result of that investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
3rd month that I am waiting 5 days for my paycheck due to B of A 's new policy that is illegal and actually is not following banking guidelines. See guidelines below. Check coming from same account at same time for 4 years with no issues- like a paycheck should be deposited by next day no issue. 

Funds from check deposits are supposed to be available by the business day after the date of the deposit ( Regulation CC, Section 229.10 ). There are however exceptions that may cause a hold to be placed on the check ( Regulation CC, Section 229.13 ), but the reasons for an exception are clearly stipulated, and none of them apply to my situation, account, or the check in question. BOA, in line with the exception rules states in their Deposit Agreement and Disclosures document ( page XXXX ) that they reserve the right to place a hold on check deposits if : We believe a check you deposit will not be paid You deposit checks totaling more than {$5000.00} on any XXXX day You redeposit a check that has been returned unpaid You have overdrawn your account repeatedly in the last XXXX months There is an emergency, such as failure of communications or computer equipment If these issues are not present, they have not right. What they are actually doing is Usery- they are using our money illegally. 

You have again allowed the bank to put the burden on the people instead of making banking institutions accountable for their shoddy practices. With interest being high they now think that we should wait to feed our families and pay our bills so that they can, a second time, ruin our way of life to make money. 
When is anyone going to step up and fine banks for every mistakes/theft that they make. 
There have been no consequences so far to bad business for banks - how about we change that.

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 2023-01-25
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Franklin Collection Service, Inc.
State: TX
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'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Recently I opened an account in Citibank, using their website. Everything was good, they sent me a Debit Card and I was managing my account without any problem. 

Last Friday I received a paycheck from my Employer ( XXXX XXXX ) and I decided to deposit it into my new account ( Citibank Account ). 

Yesterday ( XX/XX/2023 ) I called to the bank because my access to my account wasn't working and they told me to call a fraud phone number. 

I've called today and they said that my account was closed due to a potential fraud transaction ( referring to this check mentioned above ). I asked for my funds and they said that after the account is completely closed ( 30 to 60 days ) they will send me a check with the funds. 

At the end I won't receive my funds in at least 70 days. This is part of my salary and the bank is taking it illegally. I need help to resolve this issue. 

Thank you so much

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