BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I spoke with the fraud department for XXXX, XXXX and TransUnion. I pointed out over 25 unauthorized inquiries I found on my credit report, on XX/XX/XXXX, I went to apply for a personal loan and was denied. When the company pulled my credit, I was informed that my credit score was below XXXX. This is a problem because I haven't applied for any credit within the last 2 years. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/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 explanation
Consumer complaint received 2018-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a {$1000.00} cash deposit to a Chase ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The machine ate the {$1000.00} dollars and gave a receipt saying to call XXXX number to verify deposit. I filed a claim. They said it may take 45 days to investigate. I would like film footage before they destroy it and my money credited. 45 days is absolutely too long to wait for them to check if my money is in their ATM. They had to have audited the ATM by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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:
Account XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1681 section 602 8 states, I have the right to privacy 15 use 1681 section 604 a section 2. 

A consumer reporting agency can not furnish any account without my written instructions. 

On XX/XX/22 debt of {$780.00} was placed on my experian and XXXX credit report by Account XXXX XXXX. I've never heard of this company or conducted business with this company before. I've also disputed this debt through Experian and XXXX as well.

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 2022-01-08
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1971 SSN : XXXX PH : XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Maximus Education, LLC dba Aidvantage
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX  currently. I will be until XXXX, XXXX which is when I graduate. Currently studentaid.gov shows I have an " Unsubsidized Loan - XXXX University '' with a " SCHEDULED REPAYMENT START DATE - XX/XX/XXXX ''. How can this be? After waiting 41 minutes on hold to speak to somebody at Student Aid, I was transferred over to Aidvantage at their XXXX number. It's been over 57 minutes now and nobody is picking it up. This is a complete waste of my time and shows a lack of respect for students.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I spoke with the fraud department for Experian, XXXX and XXXX. I pointed out over 25 unauthorized inquiries I found on my credit report, on XX/XX/XXXX, I went to apply for a personal loan and was denied. When the company pulled my credit, I was informed that my credit score was below XXXX. This is a problem because I haven't applied for any credit within the last 2 years. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX OF ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2020

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 2022-09-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo, XXXX Transunion XXXX XXXX XXXX XXXX, pa XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. 
I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 


I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 


If you find that I am remiss, and you do have authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 


Thank You, 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 2022-02-16
Company: EQUIFAX, INC.
State: NY
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:
I have called in several times, explaining that I have been targeted with fraud activity on my credit report. I got email alerts that my social security number has been found on the dark web, and I've had to shut down one of my credit cards several times because of unknown charges. I called equifax several times explaining to them that the inquiries were not authorized. I was under the understanding that if there's incorrect reporting of any kind on a persons credit report and unauthorized findings, they must investigate and remove. Investigating does not mean calling in to a company and getting a yes to their questions. A thorough investigation would require where the inquiry was made ( city, state, etc. ) whether or not I was contacted to verify that that was me, etc. I asked them to delete the inquiries, and they refuse because they say that it was me, even though I have been going through fraud issues and I've sent numerous letters, which they have ignored. 

The inquiries that are fraud are XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX services XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/XXXX Wednesday Capital one suddenly blocked my access to my checking and savings accounts. It's now Saturday XX/XX/XXXX... For XXXX days in a row I've been calling and calling the bank because NO ONE will talk to me or return my calls, they keep sending me to a voicemail. Yesterday I finally was able to get to a live person named " XXXX '' who said they don't know what's going on and sent me BACK to the voicemail. Today I've left my XXXX voicemail! Capital one has NOT sent me anything by email, or mail or text or phone call, just nothing stating anything is going on with my account or why or anything! They won't even talk to me! What is going on?!! I'm a single parent with XXXX kids and school starts Monday! I have no way to access my money and they won't even have the decency to talk to me to tell what is going on!!! They are holding my {$1400.00} in the savings and checking accounts hostage! How is this legal!?????? The fact that I keep being sent to A voicemail is unbelievable! Please help me get this corrected because now I'm going to miss paying my bills and create horrible hardships in my life. Please please I'm begging for someone to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX Claim Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) debit card was wrongfully scammed the day of XX/XX/2021 after an authorized withdrawal of {$1000.00} from my account was made at the Walk Up ATM Bank of America ( BofA ) branch at XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. 

According to my BofA Prepaid Mobile Application, the first unauthorized withdrawal happened on XX/XX/2021 at the XXXX branch for {$1000.00}. On the same date, there was also a XXXX XXXX XXXX. Whoever duplicated my debit card information might have thought they could take funds from another bank, which is not possible. 

A total of {$10000.00} was stolen from my account through various unauthorized transactions. Everyday from XX/XX/2021 to XX/XX/2021, funds were stolen in the amount of {$1000.00} ; except for the XXXX which was of {$640.00}. The majority of these funds were stolen at the XXXX branch with the exception of XXXX XXXX, which include XXXX, XXXX XXXX XXXX and XXXX XXXX locations . As seen in my transaction history, I have always withdrawn money from Bank of America locations in the XXXX XXXX XXXX. 

Subsequently, I filed a police report with the XXXX XXXX Sheriffs Station with the report number enclosed separately. In addition, I mailed and faxed my drivers license ( in color ) to the BofA claims department. I spoke to the Relationship Banker, XXXX XXXX, and was told that multiple customers were victims of the same fraud around the same time the unauthorized transactions on my account were made. I also spoke to Finance Center Manager, XXXX XXXX, who informed me that he found a tool with a chip and camera above the Walk Up ATM at the XXXX branch. He then made a statement over the phone to the BofA Claims Department detailing his findings under my claim report. The bank technician came to check the ATMs and he immediately filed a police report as well.

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 2022-08-09
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: Investigation took more than 30 days

Complaint:
Cfpb Why aren't you doing more to enforce consumer rights under the FCRA and FDCPA? Over the last year, I've been led to believe that my credit report has been irresponsibly tampered with. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been disputing these accounts for the past two years, and Equifax, XXXX, and XXXX have not provided me with substantial proof of validation that they claim they've received. 

I have made several attempts to remind Equifax, XXXX, and XXXX of their obligations under 15 USC 1681. It appears that they are being deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have these errors on my consumer report corrected According to I5 USC 1681 ( A.5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that these accounts have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. '' I demand that the accounts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was intentionally deceived into opening a credit card account without my authorization or consent. I was asked if I wanted to join the rewards program and upon realizing sensitive personal information was being asked, I double checked to verify " rewards '' vs credit card which was never used throughout this process, and the associate said credit card. The process was not finished I denied authorization as I was falsely lead, she turned the screen and had finished the process for me as there were a few green buttons left that I personally did not click as I wanted the process to be stopped, but she went ahead and pushed the process forward and claimed it was already too late and nothing could be done. This store is intentionally misguiding consumers, and are taking advantage of a deceptive system. Insane the lack of customer service or respect to their " valued customers. '' Tried asking for the store XXXX on the phone, I was told I would get a call back, never did. Great resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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:
The only address that should be listed on my credit report is the current address, which is the address presented on my driver 's license. According to consumer laws 15 U.S.C 1681 listed below it is not fair, nor does it give me any privacy to list and display addresses where I do not reside to be included on my credit report. Especially if I didn't consent to them being listed per any written instructions. These addresses provide incorrect information to supposed creditors, and can open the gates of fraudulent activity via mail when sent to a residence I no longer reside. In most cases the occupant of that address will open that mail, and can use that particular information fraudulently to open or reopen accounts, etc. 

15 U.S.C. 1681 Section 602 A - says I have the right to privacy.

15 U.S.C. 1681 A ( 4 ) - states consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 - Consumer reporting agencies may not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022, applied for a personal loan through the www.onemainfinancial.com website in the amount of {$1500.00}. After entering my personal information credit was ran and pre-qualified for a 'secured ' loan for up to approximately {$7000.00}. The secured loan turned out to be a Title Loan, sort of a refinance with cash-out, similar to a refinance on a home loan refinance. 

The insane part was that after calculating all the costs the representative came up with an interest of up to 30 % if they were to payoff my car loan with my current lien holder and provide me with the cash out of {$1500.00} that I applied for. My current interest rate is at 4.33 % with my current lien holder, no reason to change that to a 30 % interest for just {$1500.00}. Of course I declined the offer without even considering their approval. 

This is a despicable for some one who just needs an extra cash of {$1500.00}. 

The branch that handled the call is located at XXXX XXXX, CA XXXX, phone number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I hold a checking account at truist Bank. And I was not receiving my monthly statement as normal. I went to withdraw money from the ATM and noticed a significant error on my account over {$5000.00} was missing from my account the very next day I went into the branch the moment opened and requested a statement that's when I discovered multiple another ice cream directions on my account which I did not authorize nor know about. Totaling in the value of {$5100.00}. Over 3 months worth of operations actions with multiple transactions in small amounts in the one day. The bank did not notify me nor did they put a freeze on my account no one tried to stop this from happening so I reported it to the bank fraud department and in lieu of the recitation they gave me a provisional credit of {$1900.00} not the entire {$5100.00}. Now the bank is telling me that in order for me to uncover the rest of my money I would have to file a police report. However I know for a fact that is in violation of Regulation E.

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 2023-02-24
Company: Genesis FS Card Services, Inc.
State: NV
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:
In XX/XX/XXXX, several charges came across on my statement that were fraudulent. I reported this to the credit card company in XX/XX/XXXX, yet they failed to investigate one of the charges for {$220.00} made on XX/XX/XXXX, even though I had reported it to them as fraud in XX/XX/XXXX. This would have left a credit balance on the account for the months of XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX as well as XXXX and XX/XX/XXXX. In XX/XX/XXXX, I reported it yet again and they finally adjusted it off my card. However, the credit card company reported me 30 days late in XX/XX/XXXX even though I had no balance due because of the {$220.00} fraudulent charge. This is a violation of the FCRA reporting rules and as such, this has damaged my credit unnecessarily. I am asking the 30 day late report in XX/XX/XXXX be corrected and any and all late fees, interest and other unnecessary fees be removed and refunded to me.

Company response to consumer: Closed with monetary relief