BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: Electric Solidus LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money into my swan bitcoin account but it was never used for Swan 's services ( purchase bitcoin ). I've decided I no not want to purchase bitcoin so I asked for my money back and was told that they can't. I don't believe the terms and conditions say a money transfer is irreversible. I asked that they mail me a check if an ACH transfer isn't possible and they declined.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, My name is XXXX XXXX. I opened a Brokerage and Individual account with Charles Schwab XX/XX/XXXX of 2022. Charles Schwab verified my identity. Open the account with confirmation from Charles Scwhab XX/XX/XXXX of 2022 that upon funding my account and verifying any ACH transfer to the account ; a card would be shipped out for use in order to maximize use of my individual checking. Now by XX/XX/XXXX of 2022 I added my husbands XXXX  for a One time transfer of {$5.00}. The transfer was a one time daily transfer. According to their guidelines, once trial deposits are sent to the account chosen to link, you tell them what are the deposits and its total and the account is verified. Well I did exactly that and my account was Successfully Verified. 24 hours later I call because I initiate a transfer for the {$5.00} originally, yet money still has not shown up in my Charles Schwab Checkings account. They tell me it is due to be in the account XX/XX/XXXX of 2022. I log in my account XXXX XXXX, 2022 and my account is suspended. I call them and they inform it is due to suspicious activity or fraud and a representative name XXXX. AFTER PUTTING ME THROUGH VERIFICATION AND I PASSED, feeds me some malarkey about rather getting people like you and a few fraudsters rather than letting them get away with it. I thought to myself are you kidding me? I thought the purpose of a financial institution was to secure its customers once verified. Not subject your loyal or new clients to such a time consuming discrepancy on your part. I mean how can a bank just propose all of these steps to verify someone and still lock you out of your account with NO REASON at all I may add.They also took my {$5.00}. Something needs to be done ASAP. Charles Schwab even had the audacity to inform me even GOING IN TO THE BANK WITH MY GOVERNMENT ID WOULD NOT ALLOW ME TO RETRIEVE MY ACCOUNT THAT SAME DAY I AM IN THE BRANCH? MEANING they get to steal customers money with no regard to what troubles and finances people may have. I need my situation expedited in timely fashion. I want the account or return my money and close my account because I refuse to put in so much work into a bank. I never been through anything this traumatic in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of america, This is a continue with complaints XXXX : On XXXX. XXXX, I went to a branch of bank of america to check if the fraud claim has any update. They said they already send the money back to my account, but the account is still blocked, they ask me to opened a new account and transfered all the money from the previous account to the new one. With the help of a banker there, I opened a new account and transfered all the money from the previous account. Because the last fraud may be related to my phone number, so I changed to a new phone number, and the new account was profiled with the new phone number, and also new email. The banker also asked me what is my primery contact method. I said email, the new updated email. 
On XXXX, XXXX, XXXX, I received a email with the old email, said my alternate contact phone number has changed to the old one. Then, aonther email said XXXX is ready to use with the old phone number and my new account. Then I tried to reset the password and that moment and logged into the account to delete the reciptant, but the transection still happend. {$3000.00}, again. 
Then I called the bank and they said they can not identify me, I have to go to their branch. 
I can not believe that this happend twice in two weeks. I need the money back, and I need to know how did this happend. Also I need to know if there is any way to block XXXX  transaction. It is very unsafe.

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 2023-05-26
Company: Experian Information Solutions 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:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-05-12
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: Information belongs to someone else

Complaint:
I requested Experian remove the hard inquiry for both the XXXX XXXX and the XXXX as I do not recall applying for either one and I have never received a card from XXXX nor a purchased item from XXXX. 

I've also requested Transunion to remove the hard inquiry regarding the XXXX XXXX  as I again do not recall applying for the card not have I received one. 

These discussions with both bureaus were had in XXXX and XXXX of 2020 with no response.

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 2023-01-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I received an email from Synchrony about my automatic payment. I opened it up and saw they pulled the entirety of my card balance out of my account. I called immediately because that was not how I set up my automatic payments. They said they could not refund the money at that point. They said they would turn off the automatic payments for the future. My checking account was negative. I called my bank and they thankfully put a stop payment on it. 

The next month it pulled again. My checking account was negative again. I spoke to a chat representative who said he could only refund {$50.00}. Which did not make sense as it had just pulled over {$500.00} from my account. I said that was unacceptable. He abruptly said " sorry '' and ended the chat. I called in at that point and spent over an hour on the phone. The rep I spoke to saw that the notes indicated I had stopped my auto payments but it was still on. They issued a check to me ( I had assumed it would be an echeck ) but then stated it would take 15 days. I asked them to cancel that and I would again call my bank to put another stop payment on it. I spoke to XXXX different reps during that time and XXXX of them stated they would cancel the check. 

I check my balance the following month and see that they have added the check that they assured me they would cancel to the balance I owe. I have since had them remove it but I'm afraid it will incur interest for the time it spent on my balance owed. If they can take payments out electronically, they should certainly be able to refund automatically. This feels shady, an they do this to many others, and they get to ( probably ) collect interest on these amounts for the 15 days we wait for a check.

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 2021-05-12
Company: EQUIFAX, INC.
State: LA
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:
I would like to be provided investigation results and be provided validation of the accounts being reported on my credit report. It is my right as a consumer to dispute information that is inaccurate and false on my credit report, please investigate and send me my updated copy of my credit report to my current address. I will attach my letters regarding the information and accounts that I would like to be removed from my credit report below. I have unauthorized inquiries on my credit report that I have no contract or no affiliation with those creditors that's reporting on my report and other information that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
I have educated myself on this credit reporting. Our info is collected against our wishes then sold and sold to us as credit reports. Yet no matter when lenders report our info the credit bureaus take there time to report. And when they do report it takes XXXX and XXXX Score some time to send our scores back to the credit bureaus. But yet an inquire instantly take points away from our credit. But it takes months for our effort in paying accounts down to be reported. My credit has went down a few times with no explanation from the credit who told me I need an outside source. A lawyer that handles this and I know they was referring to XXXX XXXX whom they own. Just like they own XXXX. These provide organizations need to be stopped from controlling our lives. Rather you work for them are not they control you too. My banking account has been compromised several times since 2018 and its because XXXX leak our info that we will never get reformation for in the end. Credit Bureaus are scammers and I need representation thank 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 explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
see attachment because this complaint is not being sent in error, I have attached all documents request and these agencies are failing to comply with my request when I sent it by US Mail

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 2023-08-27
Company: Experian Information Solutions Inc.
State: IL
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:
In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. Governor of Illinois XXXX order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter XXXX XXXX Now, My husband made a call to the XXXX Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, XXXX XXXX Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, DEPTEDXXXX  : XXXX, US DEP ED : XXXX, USDOEXXXX : XXXX, US DEP ED : XXXX , US DEP ED : 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 an 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2

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 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022 I filed claim # XXXX for the amount of {$4500.00} since then my claim has been denied about 12 times. Bank of America is a joke has not conducted a proper investigation into this claim I filed a complaint through CFPB ON XX/XX/2022 STILL WAITING FOR A RESPONSE??? It's been 60 days if not close to it. Each time I've called bank of America costumer service I get the same XXXX story they are working on it. They have wasted so much of my time they have stressed me out beyond belief. I can also credit them for me ending up homeless. This money I was depending on and was stolen created A domino effect in my life with my finances I ended up in the streets living in my car with my dog. XXXX XXXX  XXXX is nothing but a piece of XXXX institution that does not know how to properly treat their clients with dignity and respect instead they hire a bunch of rude XXXX  people to answer phones and tell people they can't do nothing for you because they are not the ones doing the investigation. Which mKes me wonder is there anybody in charge???? I want my money back I will sue BofA aka XXXX XXXX  for everything I possibly can. It's been 11onths and they are still giving me the same run around. I'm tired of them ignoring me and playing me for a joke. This matter is not resolved within the next 48 hours me and bank of america will have a big problem.

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 2020-03-29
Company: Experian Information Solutions Inc.
State: AR
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 TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND XXXX  PROVING SUCH. EXPERIAN AND XXXX  KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.

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 2023-02-03
Company: Resurgent Capital Services L.P.
State: DE
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:
Bank did not set off the account. Debt has already been taken care of.. violations a.violation of Securities Exchange Act of 1934.

c. an adverse claim found at UCC 8-105 ( b ).

d. violation of 31 CFR 103.35 - FINANCIAL RECORDKEEPING AND REPORTING.

e. violation of 17 CFR 240.15c 1-2 - Fraud and misrepresentation.

f. violationof18USC1956 - Laundering of monetary instruments.

g. violation of 18 USC 1957- Engaging in monetary transactions in property derived from specified unlawful activity.

h. violation of 31 USC 5324 - Structuring transactions to evade reporting requirements.

1. violation of Truth and Lending Act Section 1640 ( h ).

J. violations is Anti-trust laws.

k. violation of the Uniform Deceptive Trade Practices Act.

1. violations in bank fraud.

m. violations in wire fraud.

n. violation of the Consumer Credit Cost Disclosure Act.

o. violation of False Advertising.

15 USC 1692a ( 6 ) ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

( 15 USC 1692e ( 10 ) by using a false representation or deceptive means to collect or attempt to collect any debt.

15 USC 1692e ( 8 ) by communicating credit information, which is known to be false title 15 subsection 1666 this is a billing issue

Company response to consumer: Closed with explanation