BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: CNG FINANCIAL CORPORATION
State: SC
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:
This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a dispute to get a creditor to update payment history. Which they did and all credit bureaus showed status update All 100 % on time and Ballance decrease. All but one credit bureaus showed a point increase. Equifax dropped my score XXXX point for no reason instead of increase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXXXXXX & Account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account Name : XXXX XXXX Account XXXX XXXXXXXX Name : XXXX XXXXXXXX Account XXXX XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: HireRight Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Other addresses not mine. I have lived at is XXXX XXXX XXXX XXXX, Texas XXXX for 57 years a open court case which is being plead not guilty need to be removed which is causing " concrete harm '' being reported is unwanted and will be asking for relief pending no removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 to the fair credit reporting act XXXX  account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

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 2023-07-09
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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone hacked my account and deposited ficticious checks via mobile deposit. They then were able to access my accountvand transfer the money to XXXX  and XXXX  it an outside account with bitcoin. And of course i got the blame for identity theft. They have scared my name on the XXXX I have a police report in this matter from another bank where the same thing happend except this time it went through XXXX XXXX  Someone got all my passwords and logins for everything. Now i need to clear my name. Would like this negative info removed from 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2023-02-16
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I purchased a puppy with Zelle and XXXX. Both are connected to my checking account and XXXX. Zelle pmt was {$500.00} and XXXX pmt was {$370.00}. The transaction turned out to be a puppy scam online through XXXX. I reached out to both companies and have had no response. 

The fact that both Zelle and XXXX are connected to my chase checking account I thought I am protected from fraudulent charges and scams. 

There has been no response from the companies regarding my fraud and scam. I am supposed to be protected by my bank or I would have never connected Zelle or XXXX to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: CO
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 Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX 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 furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 credit bureaus are reporting inquires that arent actually mine, which is an infringement of my privacy. I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON 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 2022-10-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/30 I went to get a replacement Driver License and dropped my debit card and someone used it for a {$35.00} charge and threw it in the parking lot and another customer returned it to customer service and I disputed the charge with XXXX customer service and they did not honor my dispute. I didnt even use my card to pay for my duplicate license. I used a credit card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: EAST WEST BANK
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A woman messaged me on XXXX promising high yield investments with cryptocurrency. Her name was " XXXX '', XXXX number as ( XXXX ) XXXX. She seemed knowledgable and trustworthy because she spoke about her " daughter '' a lot. She had me click on a link she sent which was a platform called XXXX ( not an app, but instead a bookmarked website. ) Also had me download XXXX to do transaction in. Ultimately wire transferred about {$96000.00} total to XXXX XXXXXXXX XXXX, Limited Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank Name : East West Bank Bank Address : XXXX XXXX XXXX XXXX Floor XXXX XXXX, CA XXXX and XXXX XXXX Trading Limited Account Number XXXX XXXX XXXX  XXXX Bank Name : East West Bank Bank Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX As we watched our funds grow from cryptocurrency investing ( not sure if the funds actually grew and they just took all the money, or the bookmarked website where we traded and invested was just a fake one to make it look like we were making money ), I was ecstatic. But upon reading similar experiences from people in a XXXX thread, I realized this was all a scam and I was never going to see that money again. I attempted to withdraw my funds, but was met with incredible difficulty and eventually a fee of 10 %. I was never able to get any money back.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My updated credit report from TransUnion was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If TransUnion has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX BANK Inquired on XX/XX/2020 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 2021-05-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased an appliance on XX/XX/2021 but it didn't fit. I called to have it returned and was told to wait a few days to get it cleared. I needed the fridge and couldn't't wait so I had my credit increased. A few days later, XX/XX/XXXX, I bought another one. Now, both charges were on my account. Apparently there is a debt protection program that I was enrolled in. I had inquired about this years ago and the employee says its a fee for not using a debit card. XXXX, I didn't question it because it was a few bucks each month. Now, I had 2 large charges on my account which caused it to go over the limit even though one should have been returned. I waited and called back a few weeks later and was told it wasn't cancelled yet so they would cancel it. I waited a few weeks and it was still on my account. It was time to pay my monthly payment but I don't feel it is right to pay a payment when my account isn't correct. I called again and was informed that it was never cancelled but NOW would be cancelled. I waited for it to show on my account as a pending return. I noticed that the debt protection fee is {$40.00} which is way more than usual.I called debt protection number that was on the statement and they explain what it was and how its charged so much for every dollar amount charged. I asked to cancel it and it was. 
I received many calls everyday asking when I would pay my payment, but was never contacted to let me know the status of my return or any follow up calls. So, I informed the person that I would pay the payment once my account is correct. She informed me that she will return the late fee. I asked why I was charged so much for the debt protection when clearly the fee was accessed for both appliances and didn't take out the part that was returned. I don't understand why I am charged almost double for the protection fee when that was Best Buy 's mistake of not returning the 1st appliance so the debt fee was calculated for the over {$5000.00}. The lady on the phone said that the debt fee was returned but I do not see it. I'm tired of going back and forth with it. I refuse to pay such a high debt protection fee for an amount that shouldn't have been on there for more than a week, but was there for almost two months because of Best Buy 's mistake.

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 2023-01-02
Company: Gitsit Solutions, LLC.
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:
l initiated a dispute with XXXX on XX/XX/XXXX and they received the dispute on XX/XX/XXXX XXXX. l received a response from XXXX on XX/XX/XXXX XXXX. The finding of their investigation was that the account was verified and accurate. I was advised by XXXX to do a dispute with your company or original creditor XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. 
This account was transferred to XXXX to XXXX to XXXX XXXX XXXX. XXXX received this account in XXXX and it was transferred to XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX l was more than 120 days late. But XXXX only had this account for 30 days or lesser. I was never late with the new company XXXX. I have a letter send to my email from XXXX XXXX XXXX that they my mortgage have been transferred to them on XXXX XXXX. I couldn't been late or was late 120 days with XXXX. I have uploaded this letter to complaint that l received from XXXX XXXX XXXX as proof that XXXX did not own this account on XXXX XXXX XXXX - XXXX. XXXX, and XXXX has removed this account from my credit report because of this inaccurate reporting a late payment that was not correct. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 my account on CoinBase .com was hacked. {$39000.00} worth of various cryptocurrencies were stolen. Upon suspecting that there was a fraud, I called CoinBase at XXXX p.m. Eastern Standard time and spoke to their representative who told me in no uncertain terms that my account had " no transactions ''. This is ON A RECORDED LINE. 

CoinBase has refused to accept responsibility for this misleading information. The FBI site clearly states that notification of fraud should be done immediately as time is of the essence. I was not given that luxury due to their misinformation. 

I want all the cryptocurrencies that were taken to be reinstated in my account exactly as they were prior to the theft. 

A company worth almost XXXX XXXX dollars should have phishing site prevention and URL monitoring of which they have none. Protecting their investors is clearly not high on their " to do '' list. Taking responsibility for lying to their customers is also not an imperative on their list. 

The evidence is clear. I have also been denied the ability to trade the stolen assets as they have diminished in value. This is clearly an injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i had received my Social Security check and on XX/XX/2022 @ XXXX XXXX XXXX XXXX @ XXXX to XXXX i had made a cash deposit at the ATM at that location but it not post i had noticed it was missing from my account so i had filed a claim i was calling everyday to find out what ha happened and the stratus of the claim # XXXX and i also had an appointment at my branch office located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX decided that i had already filed a claim that i wont go to the appointment and around two hours later i had recieved a email statingn that the claim was denied even though i gave them all of the information then i was told that they did not look at the camera footage to see that i was on the footage making the {$600.00} cash deposit that didnt post the claims dept. sent me a letter the letter said that i made a claim in the amount of {$00.00} witch was incorrect i had made the claim for {$600.00} cash i need my Social Security deposit back please so i can pay my rent and my bills. need any more information please fill free to contact me please 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