BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 a business line of credit was opened to send money overseas for a timely procurement of business services. On XX/XX/2023 a wire was initiated but was rejected by the bank on XX/XX/XXXX. I went through multiple security checks to set up the recipient and send the wire through online system, but the explanation I was given by the supervisor of the department who asked me to call and verify the wire was that 'it was cancelled because it was the first time I was sending an international wire '. I called this department as soon as I got a text message asking me to verify the wire, but the wire was already cancelled and I was asked to initiate another wire transfer. I initiated another wire transfer on XX/XX/XXXX, and on XX/XX/XXXX it showed as 'Completed ' in the online banking system. After a series of conversations with the customer service reps on the XXXX number lines I learned on XX/XX/XXXX that the wire was ultimately rejected from Chase bank in XXXX, who was the intermediary to the recipient 's bank. Chase bank in XXXX said the reason for rejection was because of incorrect BIC code ( which is the same as the SWIFT code ) but the code was confirmed multiple time and in writing from the recipients bank to be the correct code. 
I mentioned to 3 different reps of the bank that the issue may be that XXXX has the wrong address for the recipient 's bank in the system. When I enter the SWIFT code of the recipient 's bank it automatically populates an address that I can not change. And that address is not the same address the recipient 's bank provided. But nothing was done to investigate this. 
The bank never gave me a reason that I could understand nor provided a solution to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: RI
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 these accounts have violated my rights 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 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an 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 2023-09-20
Company: I.C. System, Inc.
State: GA
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:
This company is stating that I opened up XXXX accounts. It says I owe them $ XXXX XXXX different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to 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 2023-09-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is in reference to the following debt appearing on my credit report : PRE-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/22 I asked for validation of this debt requesting all of these items : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. 

They only provided me with an application to rent completed by someone online. They have no copy of my identification, they only have fraudulently supplied and inaccurwte information. I also reported this to the FTC as ID theft and supplied them with a copy. Now they are asking me for NOTARY SIGNED POLICE REPORTS, Copies of leases, I was homeless during that time and have not way to provide those items. 

Please help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my bankrupt date is incorrect this bankrupt is over 10 years old please remove from my credit report

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 2022-04-16
Company: EQUIFAX, INC.
State: RI
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 these accounts have violated my rights 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 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: U.S. BANCORP
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX  credit cards were closed due to method of payments. XXXX XXXXrepresentative for Elan services accepted payment for both credit cards, both were authorized by me on Monday XX/XX/2023. XXXX stated that the payments could not be with a personal credit card. XXXX recommended to use a business account for payment for purchases made on Friday XX/XX/XXXX. Payment was made by phone and authorized by XXXX XXXX On XX/XX/2023, I received letter from Elan services closing both accounts ending in XXXX and XXXX. On Wednesday XX/XX/2023, I spoke with manager XXXX XXXX at XXXX requesting that accounts be re-opened, but she refused and asked me to file complaint with the office of the president. XXXX XXXX confirmed that there no disclosures on the credit statements that explain the methods of payment that could be used or that payments can not be made with a business account. There are no disclosers on credit card statement that are specific to the reasons why Elan Services can close an account at any time to their discretion. XXXX XXXX confirmed that there was no call made to me about the decision, reasons to close account or to verify with me all transactions in order for me to clarify situation.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I show a XXXX  XXXX bankruptcy on my report. Ohio law and courts do not report to credit bureaus or third party reporting. The courts do not allow that and will not provide that information to the credit bureaus. They are not permitted XXXX, Transunion or XXXX to place information on my report without accuracy or proof from the courts. I would like this removed immediately from all three bureaus.

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 2023-01-28
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DISCOVER BANK, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attempting to defraud XXXX XXXX XXXX by fraudulently creating a security bond without disclosure, signature nor consent. DISCOVER BANK and attorneys mailed a document postmarked and XXXX XXXX, recieved on Friday XX/XX/XXXX, and response was mailed to attorney XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX has no wet signature contract with XXXX XXXX XXXX nor XXXX XXXX XXXX, nor does XXXX XXXX XXXX agree or consent to contratct with therefore, no debt is owed.Discover bank has not produced a contract nor have they provided true original authentic accounting that XXXX XXXX standards for any accounts belonging to XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: BANK OF THE WEST
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I started the process of buying my own commercial building here in XXXX XXXX  Nevada. I had established a relationship with bank of the west. When i sought information about to loan they had me in contact with XXXX XXXX. She had many good things to say about my good standing financially and encouraged me to go for it the rates were great and for sure they would give me a 3 % interest because of it. however when it came time to draw up the doc 's the truth in lending stated 3-5 and 7 % senerieos. i was assured again it would be 3 %. was it? of course not it was 7 %. I should have not signed but the momentum of the move was happening and the guest were excited, so we signed. bank of the west drew up the docs, blanketed everything I owned and We signed. We opted to pay direct to the bank auto withdraw. after 6 years of paying on time we opted to refinance because the rates were better. took it to FIB where they found very little principle was paid down. Wow what a mess the bank had made, come to find out they were undercharging me and not applying principle correctly, ie ... some months as little as XXXX  cents and {$1.00}. we brought it to bank of the west attention and after about a month they addressed us with oh yes our mistake so now since you weren't charged properly you owe us {$19000.00}. payable now or we will adjust your mortgage rate to 5.5 %.

we of course chose 5.5 %. so now its XX/XX/XXXX we heard that rates were going up and my balloon is due in XX/XX/XXXX so i wanted to refinance. but after looking at what i still owed i was taken off guard .... my principle had only gone down {$30000.00}. in 9 years. I looked into it further from every angle and the banks mistake had cost me over {$50000.00}. according to the new bank it is a mess according to my attorney they are malfeasant and unethical. If i fight them they all say it will cost more than {$50000.00}. I own an XXXX XXXX XXXX XXXX. does anyone wish to guess how many XXXX  i have to do to equal {$50000.00}? I am moving forward with the new bank and sending a demand letter. this is clearly wrong, what they have done is steal from me.

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 2023-09-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
So I was XXXX and had a joint checking with my mom and wells Fargo cashed 2 fraudulent checks and called me and told me that they even had footage of the person in Georgia using the ATM to cash the checks but they charged me overdraft fees and then wouldn't hear us out and closed my account despite taking my mom to the bank along with the copies they sent us of the fraudulent checks and they looked SO FAKE! but they said that their hands were tied and closed our accounts. I found that extremely unfair because THEY KNEW IT WAS FAKE TOLD ME ABOUT IT SUPPLIED ME THE INFO then REFUSED to keep my account open even though my Mom and i went to 4 different locations to fix this. Now my brothers and sisters all use wells Fargo but I'm ruined along with my mom and I was only XXXX you know so it looks so bad

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 2022-04-16
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an account from springoakcap # XXXX for {$820.00} this account doesnt belong to me. I never had account with XXXX bank. This is really frightening Ive attached a copy of my affidavit as well and Im requesting a removal of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2015 my ex-husband XXXX XXXX and I received a check from XXXX XXXX XXXX XXXX XXXX for the equity in our home that sold. We were not in agreement on how the funds should be split so the title company was not going to get involved with the separation of funds. The check for {$75000.00} and was payable to my ex-husband AND ( not or ) myself which would require both of our signatures. 
The check was deposited into XXXX  personal USAA account and cleared with only his signature. 
It has since come to my attention that this is an ongoing problem of check cashing on XXXX behalf of checks written to both of us and being cashed by only him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CarMax, 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:
CARMAX AUTO FINANCE XXXX Opened XXXX  Balance {$15000.00} Many times delays that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NV
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX : {$890.00}.

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 2022-04-16
Company: CITIBANK, N.A.
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:
On or about XX/XX/2022, I received an alert regarding my credit file. After reviewing the alert, I realized that Macy 's report a 30 late payment on my credit file, which reduced my credit score by XXXX points. I contacted Macy 's to find out the reason why they reported a 30 late payment on my credit, and I was told that I missed a payment. In the pasted 7 years I've always have auto pay that way if I were to forget to pay my bill the auto pay would illuminate those issues. In the past 7 years I have never had a 30-day late payment on my Macy 's account. Macy 's removed my auto pay and claim that they try to initiate a payment from my bank, and it did not go through. I contacted my bank with a Macy 's representative on a 3-way call and the bank representative told Macys that the account had sufficient funds to cover the amount they try to withdraw. Clearly Macy 's made an error with their process, or they deliberately did that to ruin my credit file. I am requesting Macy 's to notify all 3 credit bureaus and notify them to remove the negative remarks from my credit file immediately. Macy 's credit department did not notify me that they tried to initiate a withdrawal from my checking account on file. Macy 's credit department did not notify me that I was falling behind 30 days. Macy 's did notify me that they removed the auto pay from my credit file. Had Macy 's followed their company 's policy, this incident would not have happened. I am in the process of closing on a new home in less that 45 days and with this negative report on my credit file, it will prevent me from closing. This will prevent tm from getting a mortage. This matter needs to get resolve immediately without any further delays.

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 2018-09-10
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My problem is with PNC Bank thats supposed to protect my card from fraud and misuse. I stayed at the XXXX XXXX XXXX in XXXX NJ, and they both overcharged my card, and put through an unauthorized charge AFTER I had already checked out. I kept calling them and promises were made for the manager to call me back but never did. 

I disputed the charge with my bank, PNC, and they declined my dispute WITHOUT EVEN CONTACTING THE MERCHANT AT ALL, NOT ONE TIME! 

I do not understand why PNC Bank would reject a complaint of an unauthorized use of my card by a Hotel AFTER I checked out! No contact of the merchant and just flat out declined the dispute. My money was just wasted because PNC did not show much interest in my case, and made no attempt to even contact the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: ONLINE Information Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation