BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im really worried that USCB AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX have the right to privacy. USCB AMERICA has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX never granted consent to USCB AMERICA to contact me. USCB AMERICA has/ or purchased my private information without my consent. I never contracted with USCB AMERICA. USCB AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand USCB AMERICA to validate this alleged debt. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for USCB AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ). 

USCB AMERICA violated 12 CFR 1006.14 ( B ) -1, USCB AMERICA has been abusing me and harassing me in an attempt to collect an alleged debt by repeatedly and continuously calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: OPORTUN FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Oportun Visa, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX ( XXXX ) XXXX XXXX XXXX while my mom worked in XXXX. A XXXX credit card was opened in my name, three capital one cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A XXXX ' card was opened in my name. A Gold master card was opened in my name. A XXXX XXXX Master Card was opened in my name. They were all maxed out. I was an innocent XXXX year-old. XXXX continued to wait until the death of my grandfather. She opened an XXXX XXXX card in his and my name ( because he was dead and I was alive. ) She opened a XXXX and opened a XXXX XXXX in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and max them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 : 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 2023-06-17
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE IAM A FEDRALLY PROTECTED COMSUMER THIS FRAUD ACCOUNT MUST BE DELETED AND REMOVED OFF MY CONSUMER REPOER PERMANENTLY AND INDEFINITELY NOW!!!! 

XXXX XXXX XXXX Reported : XX/XX/XXXX - {$460.00} Needs Attention Overview You have 89 % left to pay on this loan. 

Balance {$460.00} Highest Balance $ XXXX  Monthly payment {$25.00} Opened XXXX XXXX, XXXX ( 6 mos ) Term 24 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Worst Payment Status Current Account Details Account status Open Type Secured loan Responsibility Individual Remarks No Info Times XX/XX/XXXX days late XXXX Closed No Info See an error? 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving Credit Karma. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

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 2021-12-27
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a Robinhood account ( online broker ) around XXXX of 2021. I deposited money into the Robinhood account in several steps in XXXX 2021 and now have approximately {$29000.00} in the account. 
I then tried to set up cryptocurrency trading, by uploading pictures and documents to satisfy their requirements. Robinhood 's investigation of me has somehow made them think that there is some kind of fraud concerning me and the account. Since then they have disabled my ability to trade anything, or withdraw my money. 
I have been communicating with them by email and phone, but they are extremely slow and now seem unresponsive. 
Please help to nudge them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: VA
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:
Since XX/XX/XXXX, I have been trying to clean up my report of duplicate student loan reporting. EXPERIAN continues to report unverifiable student loans ; fraudulent accounts, and RE-aged debt by debt collectors. The student loans that were or should have been in FORBEARANCE during school attendance from XXXX to XXXX. As of XX/XX/XXXX all of the loans have been paid in full yet, they still show derogatory unverified student loans and their statuses on my credit file. Loans that have been paid in full are reflected negatively. 
The total loan debt of {$65.00}, XXXX because of their inaccurate reporting have doubled to {$120000.00} that they report negatively even though documentation from the XXXX XXXX XXXX XXXX reports to the contrary. They have a complete absolute mess!!!!!

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 2023-06-17
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was scammed by a person who has a business and help people get approved for apartments and housing if you credit is bad, she has awhole little app she advertises her work on and has a XXXX XXXX business account, long story short she scammed me out of XXXX for an apartment package, chime refused to give me my money back after i sent tons and tons of proof, chime wrote me and said my claim was denied and they would gladly send me information on how they came up with this determination, that was on XXXX they told me 10 days, then i wrote on XX/XX/31 they told me 10 more days but ignored my first few emails, i wrote again because they said 10 more days no later then XX/XX/XXXX, i emailed again and im being ignored, i believe chime doesnt have a reason on why they denied my claim because they have yet to show proof on why my claim was denied and i showed an substantial amount of proof of goods and services not being received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: IL
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 have sent multiple letters and complaints to XXXX equifax and XXXX about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: WELLS FARGO & COMPANY
State: SC
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:
On XX/XX/23 I received a notification that my XXXX account had been hacked. I did a web search for a phone number for XXXX and made the call. I spoke with someone who had my XXXX information and they confirmed that yes I had been hacked. I was told not to worry that they would be able to fix the problem. They explained that someone had made 4 purchases in marketplace on XXXX, the amounts were in the amount of $ XXXX {$490.00}. They gave me an email address and began to instruct me on using XXXX to have the charges reversed back to my account. I followed the steps as they directed and made the money transfers and ask the question how was this going to get my money back, they said once the transactions were completed the funds would be immediately returned to my account. I finished the call and checked my bank account and {$2000.00} was gone. Immediately I thought oh no, Ive been scammed! I called Wells Fargo immediately and filed a fraud report. The banker that I spoke with stated this happens all the time. He took my information and I asked how long would it be before I would get my money back. He informed me that while they were investigating the case that provisional funds would be added to my account while they investigated. The next day I need to use my account and provisional funds were added back to my account. On XX/XX/23 I received a call from Wells Fargo and was told that Visa had reached a decision in my case, and they would be reversing the provisional funds from my account on XX/XX/23. I asked how this could be, isnt Wells Fargo insured? In the past have received notification if they see suspicious activity on my account that never happened in this case. 4 charges of {$500.00} back to back didnt look suspicious to Wells Fargo enough to send me a text or a call! This was a scam. I realize that I did give the people that I spoke with information. Thats what a scam is. I dont understand why Wells Fargo would let one of their longtime customers just eat the cost of a scam. I understand I need to be responsible with my own money, but there were too many red flags for Wells Fargo not to catch it. I was robbed and Wells Fargo is going to just let it happen.

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 2022-10-27
Company: Bread Financial 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 status incorrect

Complaint:
I have two credit card with Commenity bank. They have decided to stop reporting to credit bureaus in XXXX. This means that XXXX through today XX/XX/XXXX they have not reported my balance or on time payments. Its showing my credit usage at 71 % and 62 % still after 5 months. I reached out to commenity XXXX and received a message back on XX/XX/XXXX where they said they decided to stop reporting because of a system upgrade and they should be reporting in a few billing cycles. That is 7+ months of not reporting. 
This is unacceptable and unethical to hold peoples credit hostage, making scores go down because of it. I do not carry a balance, I pay my statement in full each month and I am still being punished. There is thousands of others experiencing this as well, a quick XXXX search will show commenity capital one needs to change this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: TX
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:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have already contacted the companies listed below and they have nothing on file under my name. 

XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stoled my identity and used my name for years and this account is not mines with comenity company.there is fraud on this account and i had a bad divorce who may be there accounts take off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 paid off the loan in XX/XX/2022 the company has not updated this on my credit since and has continually reported that I am currently late with an outstanding balance of {$33.00} I confirmed with the company that my balance is XXXX this still did not update on my credit, at one point different information was reported to different credit bureaus. I disputed the account information as incorrect through XXXX and Transunion. XXXX response was that the information is correct. I confirmed after reviewing this response from XXXX that my balance was XXXX and XXXX once again confirmed this with me despite telling the credit bureaus during the dispute that I still had an outstanding balance and was late. They are clearly willfully providing false information during disputes or simply refusing to investigate disputes at all. I have included the chat transcript where an agent confirms I owe XXXX the disputes results which show XXXX provided false information to the bureaus and screenshots of my account showing no outstanding payments or orders and a balance of 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 2019-07-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19 I received notice that my homeowner 's insurance has not been paid. I forwarded the notice to my mortgage company for payment and nothing has been done to date. 
Today I received notice from the mortgage company that since my policy is going to be cancelled they will provide insurance for me at a higher rate. 
I have an escrow account with the mortgage company and they have failed to make prompt insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX.I am writing to you with regards to an improper post death disbursement made by Chase Bank. 

My father, XXXX XXXX, passed away on XX/XX/2022. 

At the time of his passing he had a sole owned account ( with no designated beneficiaries ) at Chase Bank, with an approximately {$32000.00} balance as of the date of death. However in early XXXX nearly {$30000.00} was disbursed to an individual present at the Chase Bank Branch located at XXXX XXXX XXXX, XXXX, IL. 

My father died without a will and the estate was not probated, therefore there is no court appointed administrator to whom the funds could have been distributed. On XX/XX/XXXX I presented a small estate affidavit to Chase to receive the account balance and close the account, and was informed by banker, XXXX XXXX, there was a hold due to social security direct deposits. I checked back frequently for several months and learned in XXXX that Chase permitted someone to make an in-branch withdrawal of all but {$1900.00} of the balance. I contacted Chases executive office to find out what authority that person had to make a withdrawal from my fathers account after his death. Chase responded to my inquiry via voice-mail and provided no details except that [ Chase acted properly ]. 

Two weeks after receiving Chases response to my inquiry, I received a check from Chase for {$1900.00}, the few dollars remaining in the account after the unauthorized withdrawal was permitted. If the individual who was allowed to make a {$30000.00} post death withdrawal from my fathers account had authority to transact on behalf of his estate, why didnt Chase send that person the remaining balance instead of me? I believe Chase acted improperly by allowing an individual without legal authority to conduct a withdrawal transaction, and as such should reimburse my fathers estate and honor the small estate affidavit I submitted to Chase on XX/XX/2022.

Company response to consumer: Closed with explanation