BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed a check on XX/XX/XXXX for {$3200.00} from DC to my sister in XXXX Washington, and gave my daughter a check for {$3200.00} on XX/XX/XXXX, intending to close out the checking account for my mother 's trust ( she died in XX/XX/2021 ), which had a balance of {$6400.00}. On XX/XX/XXXX, received email from Wells that account was overdrawn by {$1000.00}, and discovered that check mailed to my sister had been altered to {$4200.00}, and payee had been changed to XXXX XXXX. Immediately called Wells and reported fraud. They would not email me affidavit to complete, which I only received by US mail on XX/XX/XXXX. Completed affidavit, had it notarized and returned certified mail XX/XX/XXXX, and it was received by XXXX XX/XX/XXXX. After numerous call to their fraud department, finally got call from investigator today, XX/XX/XXXX, who said I have to wait until they recover funds from bank which accepted fraudulent check in order for them to credit my account the {$4200.00} They agree it was fraud -- the handwriting in the altered amount and the name were clearly different than the rest of the check, and I should not have to wait for them to get their funds, as they accepted a fraudulent check. I did nothing wrong. When I mailed it, the check was inside a paper addressed to my sister and not remotely visible.

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 2023-12-10
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
- On XX/XX/2023 I used Wise money transfer app to send {$49000.00} ( Equivalent of XXXX XXXX ) to send money to XXXX, XXXX to a real estate broker - On XX/XX/2023 I got email that my money is sent successfully and will be available in 2 buiness days. However money was not there despite calling Wise customer support manytimes I was just told we had sent it. 

- On XX/XX/XXXX, I got email to send more documents and info about recipient which I shared same day. 

- XX/XX/XXXX. I got email that info is processed and my money will reach there in XXXX days - XX/XX/XXXX : I got another email confirming money will reach there for sure by XX/XX/2023 - XX/XX/XXXX : Another confirmation, I was assured, money will reach by XX/XX/XXXX. So I initiated another transfer of {$50000.00} to same recipient. 

- XX/XX/XXXX. Money was still not there, they asked me to wait XXXX more day. After 1 day, there was no money. 

- XX/XX/XXXX : I got different conflicting emails saying money is sent and another mail that its still being reviewed by Wise partner team of Visa Payments Ltd XXXX XX/XX/XXXX : I got email saying essentially that money is lost and if we can not trace it all your funds are gone we can not help. Their words in writing : " If you do not receive a response from Wise after 30 days, the trace is considered unsuccessful and the case will be closed. '' At the time of writing this compliant, still my money {$99000.00} ( $ XXXX ) is no where.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account # XXXX XXXX XXXX is not my account and needs to be removed from my consumer report. I have enclosed my info to view. Also inquiry XXXX  XXXX is not mine and needs to be deleted from my consumer report. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy. Law 15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These companies are in violation of Law 15 U.S.C. 1681 602 A & Law 15 USC 1681 604 A section 2 and need to delete these accounts immediately

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 2020-12-10
Company: EQUIFAX, INC.
State: NY
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
While I was travelling abroad and my card became comprised, a merchant called " XXXX XXXX XXXX '' placed a {$59.00} charge on my card. Another merchant called " XXXX XXXXA '' placed a charge of {$300.00} on the card on the same day. I did not stay at that hotel. I stayed at the hotel of the XXXX XXXX and can prove it t to the CFPB if needed. I disputed the XXXX charges with Chase and had a new card issued. Chase rebilled me claiming that the chip was presented. I explained to Chase that when I was in a taxi in XXXX, I tried to pay the cab driver with cash and the driver said he only accepted credit cards. I gave the card and he never asked me to confirm on the screen what I was paying or the amount and I never received a receipt. I believe now that the cab driver cloned my card. I advised Chase of this and I asked them to verify with the merchant what information the so-called merchant had about me but Chase failed to abide by the Fair Credit Billing Act and has now inappropriately rebilled me. Chase claimed they would remove the incorrect rebill amount but has yet to do so.

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit 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:
My Bank of America credit card was fraudulently used to pay for XXXX transactions including a cash withdrawal totaling over {$2400.00} and my credit card company is refusing to credit my account for fraud. 


Posting Date in chronological order sort by Description in alphabetical order Type Expand Type of transactions sort by Amount in ascending order Balance Expand transaction for Transaction date : XX/XX/2023 FRAUD DISPUTE XX/XX/2023 XXXX transaction for Transaction date : 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 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 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 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 monetary relief
Consumer complaint received 2023-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One will not discharge the debt I had with them prior to my bankruptcy. My bankruptcy was finalized back in XXXX of XXXX and every other creditor fell off the report but my Capital One debt from back in XXXX remains all 3 credit bureau reports. I have disputed, called and sent in letters regarding this matter to no avail. The fact of the matter is, the derogatory mark that this is leaving on my credit report is causing having in my chance at rebuilding my credit bc late payments and derogatory marks are still causing my credit score to go down due to this creditor. No other creditor ( and there were one 's I owed much more to ) put up this much fight. I think I have finally was able to get XXXX on my side and they just recently deleted them but who knows. They are hindering my ability to obtain good housing, auto loans and employment opportunities. They had their chance to appear before the judge during the closing arguments of my case and they didn't show up. Please help me get a hold of someone who can follow the rules and remove this inaccurate account from a bankruptcy that was discharged 6 months ago! The amount was for {$690.00} and they were given notice and the right to petition. They did no such thing and I'm in desperate need bc neither the credit bureaus nor a big company like Capital One is helping me in rebuilding my life. A process that took sweat and tears to get to only to still have a debit or holding my financial future by my neck. A petition was mailed to them on XX/XX/XXXX, and my bankruptcy. My estate was closed by the judge on XX/XX/XXXX granting me any liability to any debitors listed on aforementioned petition such as Capital One. 6 months later and numerous phone calls to XXXX, XXXX, XXXX XXXX and Capital One it still remains on my report in a closed manner but causing deragoratoy marks on my credit score such as the late payments with this debitor and the late payments being over 60 days old. As well as, having an account deragoratoy standing for a long period of time. This the rules of the Bankruptcy and the dismal from the judge wasn't granted the way and months later I now have not only a bankruptcy deragoratoy mark on my credit report but the account I sacrificed that scarlet letter for is still ruining my life. I am XXXX XXXX  and I am in hopes of one day purchasing a house of my own. This one debitor shouldn't be controlling that for this many years! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
My ex wife had me removed from the deed and I was the sole person on the mortgage. XXXX XXXX XXXX XXXX XXXX ga XXXX. Then she contacted truist mortgage and told them I was missing for a year when I wasnt and had the bank let her make the decisions for the account and eventually close and refinance. Then she took the escrow check made out to me in my name and deposit it into her bank 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
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: MS
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 m a victim of identity theft and I have been disputing my credit reports but the disputes are not being filed correctly per the FCRA and my paperwork and my FTC report are not being attached to the disputes. I am not getting copies of the verification process that I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a boilerplate letter from PennCredit that had a description " state of MD Taxes '' and said I owed XXXX from the 2017 tax period. Case number XXXX There is no other information on what this debt could be. I have tried to call the state of MD treasures office several times and several of their different lines, but have never had my call get connected, even after leaving the phone on hold for over an hour. 

I also called PennCredit on XX/XX/XXXX, and they said they did not know what the debt was for other than " taxes '' and asked if I had paid my taxes for that year, which I had. 

I said I needed to know what their debt could be and that I thought it was an error since I had only lived in Maryland for one year, had never received any notice from Maryland despite forwarding my Mail, and had never failed to pay any taxes. PennCredit told me to send proof I had paid my state taxes in 2017 to them at XXXX, which I did. 

I received nothing back and have not heard anything from them until today when I got another notice with the exact same description information now saying. " failure to contact our office leads us to believe that you do not have intentions of resolving your just debt ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: BARCLAYS BANK DELAWARE
State: FL
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:
on XXXX XX/XX/2023, Barclays called me, on a recorded line, to ask about 3 charges to XXXXXXXX XXXX XXXXXXXX for {$610.00} each. I told them they were not mine and it is fraud. They told me they would remove the charges and cancel the card and issue a new one. My XX/XX/XXXX statement showed these charges as mine. I spoke with them and was told it takes 3 months to remove the charges. XXXX, XXXX, XXXX, XXXX and XXXX statements continued to show the charges along with interest and fees. 
I did receive a letter from Barclays dated XXXX XXXX stating I am not responsible for the charges. I called after receiving the letter asking when the charges were being credited off. ( they recorded the call ) I was told another 2 months. 
I contacted Barclays again on XXXX XXXX, on their recorded line, to ask why the 3 fraud charges and interest and fees have not been removed. They said they would remove al the fraudulent charges and fees. They credited back the 3 fraud charges but not the interest and fees on XXXX XXXX. The interest and fees as of XXXX statement are {$250.00} I called 3 times today to get the interest and fees removed. No idea if they actually did it. I was not allowed to speak to a manager. 
The collections department has called me 4 times and hung up without speaking with me. 
Saturday XXXX XXXX XXXX XXXX  Saturday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX  Not only is the manner that Barclays handled unprofessional, I believe they are creating fraudulent numbers to make Mangers bonus ' better and the numbers look better for the stock holders. Keeping fraudulent transactions, charging fraudulent fees and interest on customers accounts is illegal. ( padding the books or cooking the books ) Over 5 months to take care of simple issues is not acceptable.

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 2021-07-01
Company: Commonwealth Financial Systems, 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:
Information reported inaccurately to credit bustard. Unsuccessful disputes with documentation proving the following Collection accounts listed below are not mine and reported inaccurately. 
Common wealth financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX XXXXXXXX ( Experian )XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and Account # XXXX ( XXXX ) blatantly infringe upon federal regulations, as stipulated by multiple statutes. 

Primarily, 15 USC 1681a mandates precise consumer information reporting. In this instance, the reported accounts fail to meet this standard, constituting a clear violation. Furthermore, the absence of a clear and conspicuous opt-out mechanism, mandated by 16 CFR 313, points to non-compliance, reinforcing the violation claim.

Additionally, violations of 15 USC 6802 and 15 USC 6803 are glaring due to the absence of clear consent for information sharing, directly violating privacy standards. The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements, further supporting the factual claims.

Moreover, the reported accounts allegedly breach IRS Pub 4681 and 5 USC 5528, as dis
charged debt is purportedly not reported as income, infringing upon tax and disclosure obligations. These violations encompass not only the illegal reporting of transactions but also the sharing of consumer non-public information with non-affiliates, actions explicitly deemed unlawful.

The solid foundation for these claims is deeply rooted in the Fair Credit Reporting Act ( 15 USC 1681a, 15 USC 1681b ), Code of Federal Regulations ( 16 CFR 313 ), and pertinent statutes ( 15 USC 6802, 15 USC 6803, IRS Pub 4681, and 5 USC 5528 ). These factual assertions demand immediate corrective action, including account rectification and compliance with the stipulated laws. Failure to address these violations may lead to legal consequences, as substantiated by the extensive legal framework governing such matters.

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 2024-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The bank told me to call the companies about these charges and I did they said the bank needs to file the charges in order for me to get my money back I did not give any permissions to use my card at any of these companies nor did I give anyone to do so these are the charges that I have called on and talked to the fraud department about these charges I did not make. I do have emails to this one lady who has been helping me at the bank I have wrote to her almost every other day about my account XXXX XXXX XXXX is my social security number XXXX date of birth XX/XX/ XXXX {$1000.00}XX/XX/XXXX wire charge {$25.00}XX/XX/ XXXX XXXX {$200.00}XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4500.00} this company said bank needs to fileXX/XX/ XXXX XXXX {$4000.00XX/XX/ XXXX {$1000.00}XX/XX/XXXX dental {$4000.00} they said bank needs to file XXXX  XXXX XXXX {$1000.00} 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} I have 2 wire transfers but I am talking to the investor man also but got nothing yetXX/XX/{$24000.00} 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