BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2020-08-09
Company: EAST WEST BANK
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I was contacted by XXXX XXXX XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX is not regulated in the XXXX where I reside. I now understand that XXXX XXXX   XXXX does not have the ability to provide segregated accounts for investment purposes. 
After that i contacted XXXX company to help me out of this 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 2023-09-23
Company: Chime Financial Inc
State: LA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I sent money from my chime account to someone via XXXX XXXX in the amount of {$600.00} on XXXX XXXX to purchase a product. This person accepted the cash app and later sold the product to someone else and did not return my money. I have spoken with representatives at chime and XXXX XXXXXXXX  only to have my disputes denied by chime. Representatives at XXXX XXXX said that my money was refunded back to chime on XX/XX/2023 and I was also provided a confirmation code for the refund from XXXX XXXX. I still have not received a refund from Chime or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Ocwen Financial Corporation
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am the assignor to a collateral security bill of exchange or note that has been assigned to assignee U S Bank XXXX XXXX which is in default and did perform a legal fraud foreclosure U S BankXXXX XXXX shall have indictment charge very shortly under 18 U.S. Code Section 1951 for robbery and extortion of acceptance credit signed in blank by good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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:
This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX 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 2023-10-26
Company: DISCOVER BANK
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX Discover called regarding attempted charges to my debit card. On the phone with them for over an hour. XXXX attempts were made using my debit # in North Carolina - XXXX $ XXXX, XXXX XXXX $ XXXX, XXXX $ XXXX and another attempt while we were on the phone. 
Was told to enter XXXX as a secondary precaution. Also needed to scan a copy of XXXX XXXX XXXX bank with a selfie to be sent to the XXXX XXXX Department. 
XXXX XXXX is the person who made the attempts and she tried to be put on my account as an authorized user saying she was my sister ( NC ). At that time, I informed them that there are no authorized users to be added to my account and told them in all caps XXXX XXXX is to access my account. ( I was told that was great since the call was being recorded that I said that ). 
It was recommended that I use Tap & Go instead of inserting my card into the machines. 
XXXX received and email about my Wire Transfer ( I have never done a Wire Transfer ) Spoke with XXXX, then transferred to XXXX, then transferred to Lavendar ( Wire XXXX ). They are trying to recall the {$7000.00} + {$30.00} wire transfer fee. They reissued the savings account and recommended filing a police report. Was given the name of XXXX XXXX as the person who received the funds. 
XXXX received a letter stating the investigation was closed. Called Discover and was told that they attempted to recall the funds, but they had already been picked up and I was out of my {$7000.00}. They did tell me that XXXX XXXX XXXX was the bank that received the funds for XXXX XXXX. 

As of right now my total that I am out is {$9400.00} ( they have XXXX charges still pending on my account ) Right now, I need assistance with getting back my {$7000.00} Police Report # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18
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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested that the company delete all negative/adverse charge offs late payments and collections from my credit report due to the companys direct violation of federal law 15 ISC 1681 ( A ) ( 2 ) ( I ), 15 USC 1666 ( b ) and 15 USC 1692 ( g ). These companys are using abusive deceptive practices causing an adverse impact to my reputation and consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: TX
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 submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-10-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: IL
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:
The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX  XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX  ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX   ( XXXX ) 11 ) XXXX XXXXXXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
hi my name is XXXX XXXX, someone on the app XXXX sent money to my account on accident Ive told chase numerous times to send their money back, I am not aware of this persons contact information or who even they are. They never sent the money back to the sender which resulted in the person placing a claim on me and having my account on hold for 2 months I need to pay rent Ive stressed this to them many times if they could just send the money back and unfreeze my account. Im taking care of my XXXX siblings due to corona weve been stuck.. and my last savings are in there chase hasnt been help at al every time I ask for help they turn away their heads.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BANK OF AMERICA with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never days late.

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 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
opened a Bank of America small business account before the coronavirus pandemic and everything was fine in my account but I lost a lot of income and I find that this bank is taking advantage of a small business that struggling they are holding my checks for longer periods and leadtimes causing me extreme overdraft fees and refused to help me or give me any of my money back they said I already got three fees back but that was due to unknown charges when I first opened my account it has nothing to do with the pandemic or my struggling to pay my bills. I called them multiple times and asked them to escalate my situation but they refused to help me and keep giving me the runaround. They have no compassion and even if the check is a Bank of America check they hold it for extra long times and they said its because of my balance and they can change the whole time anytime they want I have incurred so many fees due to the pandemic and they refused to help me either Im so upset and I dont know what to do I can not get ahead with all of the fees that they put in my account I deposited a {$8000.00} check that I needed to pay my rent and my bills for my business and theyve already taken money for fees while holding the check I need someone to help me and speak for me as a small struggling business. All I want is al the fees back but they will not be work with me at all even though I told them I am struggling from no fault of my own. My business credit score is ruined. I can not pay my SBA loan, and I have been rejected several times when I apply for business checking accounts for other banks, Bank of America refused to refund me even though it was their fault that they rejected my SBA disaster loan, and knew I had no income coming in as I am a small business owner. This is my second complaint date in fact, did not try to reach me. They closed my business checking accounts and it has been very hard for me since then.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: NY
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 a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA 1640 or any other amount of damages pursuant to 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Account number XXXX In the later part of XXXX, I received a loan from Wells Fargo auto for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXX auto in XXXX. 

Immediately, after obtaining the loan from Wells Fargo auto, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. Wells Fargo Auto representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with Wells Fargos auto was reporting as late or behind multiple month payments. The result was a continuous reporting to the three credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called Wells Fargo Auto multiple times to get my account current and stop the reporting of negative information to the three credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called Wells Fargo Auto multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in one month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at Wells Fargo auto resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with Wells Fargo Auto about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan.

My rights to privacy and consent have been violated.

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 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXXXXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX XXXXXXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) 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 2020-08-09
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a DISCOVER credit card holder. The card was used in some vendor 's site for autocharge. We suspected the Credit Card # was compromised and wanted a new card number so that autocharge feature be stopped and we could have a new fresh start. DISCOVER people stopped the old card and issued a new card. However they are continuing with the charges based on the older stopped card. They expect us to call the individual vendors and stop the usage. I think is is an unethical and unacceptable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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