BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX  Account Number XXXXXXXX XXXX Account Number 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 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing this CFPB report about a transaction I was scammed into making on my USAA Checking Account by the way of an Ach withdrawal that took place on XX/XX/2023. I am a Veteran with a XXXX XXXX XXXX ( XXXX  ) who was taken advantage of into making a purchase that I was not conscious of making at the time about a product I never received. I was SCAMMED INTO SENDING THE AMOUNT OF {$3700.00} to purchase a special type of computer ( XXXX  XXXX XXXX XXXX ) for my XXXX XXXX that the company -XXXX- never shipped. I have been unable to contact the sales merchant being XXXX about this matter of my money being stolen. The response I received from the company ( XXXX ) is " We do not refund stolen XXXX '' & the result ended in me being Scammed, Taken Advantage Of, & {$3700.00} being stolen. 
UNDER FEDERAL LAW : " banks must reimburse you if you've transferred money to someone because of a scam. This type of scam is known as an 'authorized push payment '. If you've paid by Direct Debit or ACH Withdrawal, you should be able to get a full refund under the Direct Debit Guarantee. '' I XXXX XXXX XXXX, Am Veteran With a XXXX XXXX, who had his disability taken advantage of & was tricked into sending this money and I need my bank ( USAA ) to credit my checking account & refund this purchase as soon as possible. 
I have been disputing this transaction since the End of XX/XX/2023, & The Beginning of XX/XX/2023, or about XXXX months after I was scammed into sending this money. I have been fighting with them even until Today, Monday XX/XX/2023. I need the CFPB to tell them to credit my account. People with disability, such as myself, are protected under the A.D.A. ( Americans with disabilities act ) in cases of money being stolen/scammed/of sent. 
Again The amount that I was scammed into sending back in XXXX from my Debit/Checking Account from USAA is {$3700.00} & I need help from the CFPB. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer through my bank at XXXX XXXX, to a recipient bank JP Morgan Chase in the amount of {$17000.00} on XX/XX/2022 the XXXX was fully transferred to chase account to XXXX XXXX XXXX XXXX XXXX. Chase bank refused to give the company the money and they never returned my money too. I have been to XXXX XXXX  so many times to retrieve my money but they claimed the money has already been sent to chase bank and ther is nothing they can do. Moreover, the recipient company has also tried so many times at his chase bank branch they still did not release the Money to him. I will be happy if you will help me retrieve this money from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
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: Was not notified of investigation status or results

Complaint:
A collection account was removed from my credit report and then added back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Three letters disputing inquiries as not mine. At no time have a written or visual authorization been submitted by me. This is illegal.     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   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 explanation
Consumer complaint received 2020-03-18
Company: LEXISNEXIS
State: DE
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:
I was trying to get a loan to help for school this fall ( for my daughter ). Well I was told about some bankruptcy information I do not recognize at this time. The CRA stated Lexisnexis provided this information, so we sent a letter to lexisnexis disputing this information. We never heard back from them and while lexisnexis is a huge database of personal information this is not acceptable. I read on the ftc website they have to respond in 30 days and that did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I obtained my consumer report and noticed several items on my report that do not belong to me. I had contacted the 3 major credit bureaus ( XXXX, Transunion, XXXX ) notifying them letting them know that I am a victim of identity theft. I also reported this fraud to the Federal Trade Commission and obtained a identity theft report # XXXX. I sent the bureaus a copy of the identity theft report and response I either received generic responses via mail and email such as : the information was verified, misrepresentation of my identity theft report, and someone else ( third party ) disputed this information on my behalf which is all false. After recently contacting the bureaus via telephone was told by a representative that I need to document this theft with my my local police department. I file a report with the XXXX Police Department report # XXXX. Both reports are attached. I have also contacted a attorney in the attemp to file a civil suit against the 3 bureaus.

Company response to consumer: In progress
Consumer complaint received 2017-05-09
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
XXXX   XXXX    some guy  XXXX   call  ask for me he said the company is going file in court so I said what are talk about h e u no  take about i go no So he told me I took a pay day loan in   XXXX   I told him I have n't been work since   XXXX   XXXX   I never apply for a loan he I was pay it back he did n't no what happen never had pay day loan so he told I to pay  XXXX   XXXX   XXXX   XXXX  pay second payment is  XXXX  plus  XXXX  he said he email document singing them if did n't they going send to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: AES/PHEAA
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 submitted via StudentAid.gov a consolidation application on XX/XX/XXXX, for three loans- two from XXXX and one from XXXX. I then unexpectedly received forgiveness for the XXXX loans on XX/XX/XXXX, for which I am deeply grateful. However, I subsequently received a letter from FedLoan indicating that my XXXX loan would be consolidated within 10 days, but that my previous loans from XXXX could not be added to my consolidation because the loans were paid in full status and that the loan must be in grace period or repayment status to be eligible for consolidation. Thus, the XXXX loan would not benefit from qualifying credit for payments made on the XXXX loans and would not be forgiven. 

While this technically makes sense, my original consolidation application included all three loans so that the newer loan could benefit from the older loans payment counts per the PSLF Limited Waiver. However, because forgiveness of the two loans occurred before the consolidation could be completed, they were erroneously not included. I submitted a complaint to StudentAid who advised me to Request to Add On to my Direct Loan Consolidation specifically because forgiveness occurred in the middle of the consolidation process. That too was denied, all of which goes against the intentions of the PSLF Limited Waiver. 

On top of all this, I would have consolidated sooner, which would mean none of this would happen and ALL of my loans would have been forgiven, but FedLoan advised me not to consolidate because it would affect my payment counts by resetting them ( not correct per the PSLF Limited Waiver ) and because the consolidation would take me out of COVID forbearance and put me into Administrative forbearance, which would result in loss of qualifying monthly payment credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: PA
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax twice over the phone about inquires made on my account each time I was told they would not investigate and I would need to handle myself. I mailed a certified letter on  X/XX/2017    requesting verification of the inquires sent. This letter was received on  X/XX/2017    but Equifax responded on  X/XX/2017    with an explanation of what an inquiry was not a verification. No true investigation was completed as I requested. I have disputed these inquries online on  X/XX/17   ,  X/XX/2017   , and  X/XX/2017    and each time they are saying the results are factual with no other information or verification. This is a clear violation of my FCRA rights. I have a right to be provided proof that these are in fact factual inquires and Equifax has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have continuously tried to dispute this collection off my credit report because it is reporting negatively and hurting my personal life as far as being able to get approved for lines of credit and purchasing a home.  XXXX   XXXX   XXXX   XXXX  has yet to validate that I owe them a debt. In the paper they sent me it has a computer generated signature and not a original signature. It has not been validated and once before deleted off my report and as of  XXXX   XXXX  2017  it reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX  of  XXXX , I was diagnosed with   XXXX   XXXX  . I have been out of work, without a paycheck, since  XXXX / XXXX / XXXX . Return to wo rk may  be  2-4  months from now. I underwent  XXXX   XXXX   XXXX  in  XXXX .     We applied for assistance early  XXXX . Ocwen dragged the process out for months and finally denied due to what I was making before I stopped. I am only getting  XXXX  per month from  XXXX  insurance. That is only a third of normal income.     We applied again because they told us to. They said the denial should n't have been based on the old pay stubs. This took 2 months. Again, denied. They said they had to use the income we were making before I stopped working and would not even consider a temporary hardship assistance.     We ca n't make payments any longer an d may lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX / XXXX /  XXXX   {$680.00} I did not sign, nor did I authorize this charge, I have disputed this charge, and submitted complaints, however,  chase  has simply ignored the facts that this charge was not signed for by me, nor authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Personal information incorrect

Complaint:
I have previously sent my ID and bill showing my ONLY verifiable and accurate address. I also sent my social security card showing my ONLY verifiable name. The bureau still has not made this correction and continues to report inaccurate information.

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 2019-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I sent funds in exchange for goods via XXXX on XX/XX/19 in the amount of {$290.00}. Unfortunately I assumed the XXXX service was insured by bank of America considering they had taken the liberty of building it into their app. This is not the case despite the fact that the closest thing they have to a warning or disclaimer is " transactions can not be cancelled ''. I have realized I was the victim of a scam and would like a full refund from Bank of America considering their willingness to advertise a company they do not insure with no clear warnings.

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 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Bank of America debited my account XXXX a total of {$1000.00}. This withdrawal was unauthorized and with no notification so that I could review and contest. These monies were taken out while I was on vacation and was not able to review my account. The bottom line is I put my money in the bank for safekeeping. Bank of America released my funds through the ACH process and I have been harmed because of this. I have waited patiently from XX/XX/2022 and have made complaints in writing and verbally and in the presence of the bank financial centers virtually every day since I was aware of this bank fraud. I want my money {$1000.00} put back into my account. I have been with this bank for 50 years and can not believe Im being treated so shabbily. The bank should be ashamed and their fraud investigation department which has never contacted me to date should be investigated by the authorities.I asked that my account be made whole.

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 2023-04-18
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Today, XX/XX/XXXX, I received XXXX mail from Chime that included a debit card for an account that had been set up. I believe this was fraudulent as I did not request this account be opened in my name. I emailed the Chime support account and was informed that my email ( the main email I use for all of my banking services ) was not connected to a current account, despite receiving a card from them, indicating that it was in fact a fraudulent account. I was instructed to call the Chime customer service, who requested personal identifying information that I don't feel I should need to share as it would give any scammer more access to my information. Without providing that information, Chime said they could not close this account. It may be worth noting that the account information shared in the letter connected with this card was for XXXX XXXX, which provides banking services for Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: M&T BANK CORPORATION
State: AZ
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:
Credit report indicates that M & T Bank reported a mortgage payment as 30 days late. 

Contacted M & T and representative assured there would be a correction and that proper payments would be credited On XXXX a payment of {$2800.00} was made. Unfortunately the payment was credited to only one month. However the payment was clearly for 2 months.

There has never been a 30 day late payment on this account.

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