BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: NC
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2019-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked an XXXX stay from XX/XX/XXXX to XX/XX/XXXX, and canceled the reservation with the host agreeing to provide a refund. Unfortunately, I haven't received a refund or statement credit, so I filed a dispute with Bank of America. 

Bank of America provided a credit on XX/XX/XXXX, and said it would be permanent if the merchant didn't respond in 60 days. I receive a letter in the mail on XX/XX/XXXX, more than 60 days after the dispute was filed, asking me to send additional information with a XX/XX/XXXX deadline. 

I send additional information and am told the claim is closed because I didn't meet the deadline. I keep calling back and finally convince someone to extend the deadline, but after sending in all my information, I am told the bank considers the claim closed and won't consider my side. At every step of the dispute, Bank of America has either changed the timeline or provided unfair deadlines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: Remitly, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Respected Sir/Madam I Send the the money to my brother XXXX XXXX he live in XXXX the money transfer company name ( Remitly money Transfer ) they said that payment is transfer to my brother account but they lie to us also they did not give the proof of the transfer to his account i already send them my brother bank statement to Remitly transfer company then they decided to locate the money but since XXXX XXXX to XXXX they did not send me any confirmation to me and also not my brother. my brother go to the bank and talk with the bank employee and bank employee said that there is no money come from this money transfer company at all. Remitly transfer company give me the reference no ( XXXX ) and they also give me the ( UTN # XXXX ) but bank in XXXX track those numbers they did not received any money so amount is {$650.00} and the fee is {$1.00} they took that amount from my account from XXXX XXXX now they did not retun that money to me please follow up with them and update me and ask them to send the money back to my account. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2022-10-28
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Did a voluntary repossession on the XXXX XXXX XXXX in XXXX of XXXX to Credit Acceptance. Vehicle was purchased on XXXX & XXXX from XXXX but upon return to the states it had mechanical issues. The purchased vehicle 's warranty was not honored for repairs. The vehicle was voluntary repossessed and told the company it could be picked up from XXXX of XXXX, AL. I don't if storing the vehicle from XXXX XXXX XXXX  because I wasn't in the states. I have not seen the vehicle since XXXX of XXXX. I told Credit Acceptance, i could not afford the loan and repairs as a XXXX  veteran.

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 2022-10-28
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:
I received two notifications from the Experian Credit Bureau showing that I applied for a credit card with XXXXXXXX XXXX XXXX 

Here is the information and dates for both applications : XXXX. First inquiry date was on XX/XX/XXXX with a removal date of XX/XX/XXXX The application was for a XXXX XXXX XXXX XXXX XXXX XXXX. Second inquiry date was on XX/XX/XXXX with a removal date of XX/XX/XXXX The application was also for a XXXX XXXX XXXX XXXX XXXX Here is the contact info for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX As you can see both applications were submitted 17 days apart which should have been a RED FLAG for XXXXXXXX XXXX XXXX that someone was using my information to obtain a credit card. I have a fraud and Identity theft alerts placed on file with each of the three credit Reporting Agencies : Experian XXXX XXXX and XXXX and so far the only agency reporting this on my credit report is Experian Credit Bureau. 

I filed a fraud complaint with both XXXX XXXX XXXX and Experian Credit Bureau Thanks for your assistance

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 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

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 2022-10-28
Company: Gatestone & Co. International Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/22 at approx. XXXX, I received a phone call from Gatestone & Co. Internation Inc.. A representative by the name of XXXX XXXX introduced herself as a representative from XXXX XXXX XXXX  and that the nature of the call was to collect a debt. I informed XXXX XXXX that my debt from XXXX XXXX  was " charged off '' so why would they be attempting to collect? At this point, XXXX XXXX revealed that she was a representative from Gatestone & Co. International Inc. and that she was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX I expressed my concern about her false representation and my unwillingness to continue the call with her and I ended the call. This false/fraudulent representation makes me very concerned about doing business with Gatestone. I don't trust them or the validity of what they communicate rather verbally, electronically, or in print. I would like this matter resolved by having my debt completely eradicated due to fraudulence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: FL
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 applied for a checking and savings account at XXXX XXXX, without my consent this company did a HARD CREDIT PULL on my Equifax. 

Contacted XXXX financial around XX/XX/XXXX via phone, the agent stated a request was submitted to the correct department and that I would hear back within 3 business days. I never received a call back, email or any communication. 

A second contact attempt was made on XX/XX/2021 via online banking and although there was a response it was not helpful. 

This complaint is about the fact that when applying for a checking account there was no clear request for approval to pull my credit. Most banking institutions do CHEXSYSTEMS for deposit accounts ... a consumer NOT APPLYING FOR CREDIT should not be impacted by opening savings/checking accounts. Never in my 15 years banking have I experienced this by an institution. 

I already submitted a complaint to EQUIFAX and it was not resolved by them. Only XXXX may make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  wanted me to pay a bill of unused service. I had called XXXX for their prices/deals. I asked for home set-up but not to send the equipment as I had type of pay & could not pay. I asked if I can just set up an account & call back to send the items. They still sent the equipment. I never asked for it, never used it, nwver opened the package the equiment came in. It was never plugged in, nor opened. I didn't know the service was " on ''. I assumed how can it be on if it was never connected. After returning equipment XXXX  still wanted me to pay. After speaking to multiple of their callers always saying the same thing about payments. I finally managed to speak to a higher up who claimed the service was on & I still had to pay. O told them they can check the data if I even used but they claimed they don't store that but there is a way to check they just ignored me. After telling the woman about the first time I called I did not arrange the equipment to be sent they had sent it without my consent. She said she might be able to find that same call. Although she still claimed she will try to find out but I still had to pay, so they never even bothered to find or check the call, check if data was used. Now they've involved debt Collectors who still want me to pay for service I never requested, never used, nor should I have to pay any of it. After speaking with them they said they don't have any data they're just the company XXXX  hired. They never bothered to check the backstory or bother listening to me claiming I still have to pay. Wanting me to do payments little by little but that is still paying for the bill I should not be charged. The company name is Mercantile Adjustment Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a XXXX XXXX credit card in XXXX. All the information I gave was correct. I never received the card. Citi bank started calling about the account. I got an email from them that said I had an outstanding debt. I called them and spent over an hour explaining I never received the card. The card they had listed had my divorced name which I haven't used in 28 years! I told them this. I was transferred to their fraud dept., then to their security dept. and 2 more departments. Each time I explained I never received the card, the last name they had wasn't my legal name, and if I didn't have a card how could I incur a debt? 
They call me 3-5 times a day everyday to go online, put in my account number, to remedy the debt! I don't have a card, an account number, or the name they have listed. This is harassment and I please want it to stop. Please help me. 

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 2022-10-28
Company: KEYCORP
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a letter on Tuesday of this week,XXXX. The letter was dated XX/XX/XXXX, so I received it over a month after written. This was regarding the KeyBank data breach from XXXX and XXXX of XXXX. They said my name, mortgage property address, mortgage account number, and home insurance policy number and information was breached. 

I called to have my bank account that was linked deleted. They said on the phone they would do that on Tuesday, as of now, it's still not deleted. 

I called every day this week always speaking to someone new who said they would file a report. I requested my account number be changed as it was stolen and my financial future is now destroyed. The Executive office employees would leave a voicemail twice without calling me leaving me no opportunity to pickup. When I call right back they are unavailable. Finally I called repeatedly on XX/XX/XXXX until someone got on the phone, XXXX XXXX I asked again for my account number to be changed. I was told by a KeyBank employee that HELOC loan members were allowed to change their account numbers. I was told that KeyBank does not do this and will not. I asked them to send me a letter saying specifically why and that they refuse to do so. 

I called my home insurance company the day I got the letter who immediately answered the phone and changed my account number. My bank was more than happy to do it along with adding security measures to my accounts, and I completed this Wednesday. 

KeyBank, who was responsible for the breach refuses to make me safer. KeyBank who advertises that they are secure, and are not, refuses to protect me. Other mortgage companies are happy to change account numbers in situations like this. KeyBank, if you can talk to a real person, clearly does not have the security or business practices in line with it's customers safety. I feel extremely unsafe with KeyBank not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a scam call on XX/XX/2023 from the number ( XXXX ) XXXX at XXXX, then at XXXX by someone named " XXXX XXXX XXXX XXXX who claimed to be an authority from a precinct. 

He told me that my name and social security number were involved in an identity theft. It was a very elaborate phone call, and I was even told not to disclose any of this information to any family member or close friends, and to stay in an enclosed room while listening to him. 

I was later instructed to download the XXXX messaging app, so that the " Social Security Office '' from number ( XXXX ) XXXX, can text me information on the wire transfers that I needed to make. 

The international wire transfer was completed at XXXX on XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ) in the amount of {$57000.00} + {$50.00} transfer fee. This happened while I was still on call with the scammer, and this amount was sent to the following recipient that I was instructed to send to : Recipient Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Chase wire tracking number : XXXX It was wired from my personal checking account at Chase. 

I sent a photo of the receipt and the front of my driver license to the " Attorney General Office '' on XXXX, as they instructed me to ( I later deleted the photos for both their end and mine, but this might have been too late already ; they might have already stored that information somewhere ). 

I realized it was a scam after almost completing a domestic wire transfer at Chase on XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX, the banker there, tried helping me dispute/recall the international transfer. 

I have already went to the original Chase branch to continue following up on the recall and case # that I was provided with. I have done everything from sending secure messages through my Chase account online to in-person follow-ups to filing a police report at the precinct. However, the back-end Chase representatives were very inadequate at combating this fraud/scam case, and I can't imagine how much worse it is for the more vulnerable and elderly individuals who get their retirement funds/life savings, and funds from the death of loved ones away. 

I highly hope this complaint will lead to actions that yield actual results. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The credit reports have false information. It has 2 XXXX XXXX accounts when it should have 1. It has $ XXXX balance of debts when it should be around {$150.00}. I have over $ XXXX in equities and the XXXX debt should have my score still around mid XXXX for such a low debt to income. Also, these companies lied and misled that they're available to do loans but they are not : 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