BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor Fifth Third Bank has reported two late payments XX/XX/XXXX & XX/XX/XXXX has violated my rights under 15usc1681 in section 602 states I have the right to privacy 15usc1681 section 604A states I have the right to privacy 15usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15usc 1681A / definition, rules of construction exclusions except as provided and paragraph the term ( consumer report ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX - {$5500.00} XXXX XXXX  - XXXX - {$4700.00} XXXX XXXX  - XXXX - {$6500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Ran into unavoidable financial trouble and unfortunately was unable to make payments to a wells fargo credit card. Was served with a lawsuit in XXXX by the law firm XXXX XXXX and XXXX out of XXXX Minnesota. I immediately called and tried to get it taken care of and get some sort of payment arrangement set up as I was not trying to deny the debt, I just could not afford payments temporarily. The law firm made it almost impossible to get in contact with them, I left a message on or around XX/XX/XXXX stating my name and that I wanted to settle the debt. They did not respond and went ahead with the lawsuit. I didn't fully understand the nomenclature on the papers served and lost the lawsuit by default as I thought there would be a court date attached at some point, there was not. Then on XX/XX/23 my checking account was offset {$1300.00} and my savings was offset {$3100.00}. These funds were a combination of payroll funds I had saved up, and deposit for a job that services had not and still have not been performed as the money that was supposed to go to that job was taken. I did not take action then as I thought it would be a one time thing wouldn't happen again. I then tried to settle the debt with the lawyers but my offer of $ XXXX was rejected and they wanted the balance in full. This after they had literally drained my accounts so I had nowhere near the almost $ XXXX they wanted. Then in XXXX I received a letter they were going to garnish my wages. Not much I could do about it so the garnishment began on XX/XX/23 in the amount of {$550.00}. My next paycheck was on XX/XX/23, also the day I was let go from my job. On that check, {$680.00} was taken out of my last paycheck. On the morning of XX/XX/23 I filed for unemployment at around XXXX XXXX. At XXXX my checking debit card was declined, which it should not have. Turns out the law firm did another offset of my accounts, on wages that had already been garnished! This time they took {$2800.00} from my checkings and {$410.00} from savings. Again this was out of funds that had already been garnished, so they basically took 100 % of my paycheck, and what other funds were in there were from the same job that has yet to be completed as the homeowner floated me another payment to pay for material and labor costs. I had just made a mortgage payment on XX/XX/23 that is now going to be declined causing not only an overdraft with their client ( wells fargo ), I will now incur late fees from the mortgage company and am left unable to pay it as all my funds were seized.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: NC
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}

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 2022-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
was recently scammed by People claiming to be with XXXX security and fraud department. This occurred on the date of XX/XX/2022. They told me they detected unauthorized IP addresses on my phone and that people were using my XXXX account to order things in different parts of the country. They were able to get my personal information by having me install an app that they told was used to see what I was doing on my phone so they can help walk me through the necessary steps to help secure my bank account. They then tricked me into opening my crypto apps and had me download a crypto app Ive never used before called XXXX. They then funneled almost {$7000.00} out of my bank account and stole % 50 of my crypto currency investments. Before finally telling me that Ive been conned and laughing in my face over the phone. Ive filed a claim with Wells Fargo and cancelled my current debit card and had a replacement sent out. Im bringing this situation to light to ensure that Wells Fargo does the right thing and reimburses my stolen funds. I was a victim of a disgusting crime and I believe as a loyal customer of Wells Fargo, which Ive been banking with them for over 10 years. It is the upmost important and right thing to do.

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 2022-10-08
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Bank of America opened an Allegiant Mastercard in my name without any authorization or notice on XX/XX/XXXX. I was then charged a {$59.00} annual fee for the card. No card was ever mailed to me or activated. In addition, there are no hard inquiries on my credit for this fraudulently opened card. I submitted a complaint to Bank of America 's fraud department via email on XX/XX/XXXX and no action was taken. I called Bank of America and the account was closed on XX/XX/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 2022-08-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi! My Experian credit score is XXXX, there is an account names XXXX XXXX XXXX, it states that there is an auto loan with a reported balance of XXXX, last reported XX/XX/XXXX, that it was taken out on XXXX, XXXX, XXXX, five years ago and one month. I do not know how this is on my credit report, I di have never taken out a loan, and to be quite frank, I do not know how to take one out, as I have yet to return to work after leaving for XXXX XXXX I called Experian and disputed this account multiple times, I have also been included the class action suite against Experian from XXXX Data Breach, so that can be where it may have came from, but again I did not, and have not, taken out probably a XXXX loan out, the account also says its highest balance was XXXX, so I can assume it was a loan for a XXXX used vehicle. All of the information that I have is what I see on XXXX XXXX. Experian will not remove it, per the supervisor.

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 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX of the year 2023. I got a message from the XXXX XXXX app ( an app that I link to my account Capital One 360 to control my budget ) telling me someone made a purchase of {$1100.00} from XXXX XXXX XXXX XXXX XXXX. I instantly called the bank to see why this purchase, they told me it was pending and they couldn't do anything until the transaction was processed. The first lady told me that someone had cloned my card, but I made the report as soon as I noticed it. My wife had this card for emergencies, but she usually took money from the ATM with a PIN #. When I called my wife, she told me she was in a flea market in XXXX and had that debit card in her wallet inside the car. So when she got back to the car someone stole her wallet with the debit card and other important documents of hers and mine. That person that stole the wallet made a purchase so, from then I have been calling the bank and they are just rejecting my dispute giving me from my point of view excuses to not pay me back that money. 

1st : One of the CS representatives told me the purchase was made and it didn't ask for the PIN #. 

2nd : The bank never protected me as their customer or asked for my authorization to allow this rare purchase from a strange place. They never send me a message or email to allow this purchase they just allow it with any other restriction. Also, a CS representative said they tried to make several other purchases with this card from the same merchant, but as I told you before as soon I saw the purchase I reported it. 

3rd : They don't have the address or phone number of the merchant. One of their answers says : " We reviewed your dispute ( s ). Based on the information we have, your claim ( s ) has been denied because of your assertion about the debit card possession and transaction information. You can still try to resolve this directly with the merchant. '' I'm telling them and proving that the card was stolen and I don't have an idea of what kind of commerce is : XXXX XXXX XXXX XXXX XXXX. 

Please help me with this issue it seems the bank just doesn't want to accept their responsibility and not refunding me this fraudulent purchase. 

Tell the bank to provide you with all the information they have from this issue, the transactions tried to do with this card after the report, the time that was made the purchase and how the purchase was made, and what they asked to accept the purchase from this merchant if signature or pin and check the signature, please!!! 

help me, I'm struggling a lot to put food on the table for my kids.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NC
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:
The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-11
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX : Initiated the application process for payment solutions and established contact with a representative from XXXX to strategize the optimal approach for payment processing, with a particular emphasis on getting the {$1000.00} merchant services bonus. 

XX/XX/XXXX : Received confirmation of application approval and subsequently placed an order for a mobile card reader in order to commence the acceptance of payments. 

XX/XX/XXXX : Successfully fulfilled the stipulated bonus requirements, which entailed processing a total of {$2000.00} across a minimum of five transactions. 

XX/XX/XXXX : Initiated contact via phone to inquire about the status of the bonus. During this interaction, the customer service representative suggested reaching out to the designated XXXX representative for further details regarding the bonus. Subsequently, an email was sent to the XXXX representative to seek clarification on inquiries related to the bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021, XXXX XXXX made a hard inquiry on my transunion credit report. This was not authorized by me.

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 2022-02-17
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
1. crypto.com advertises a visa debit card with perks- costs {$4000.00} worth of their native cryptocurrency coin 'CRO ' 2. CRO needs to be locked up or 'staked ' for XXXX months to qualify for the card 3. I purchased CRO, and staked it 4. Attempted to get my card delivered, but my former address was in their system 5. Over a XXXX time span, I attempted several times ( probably over XXXX ) to get my address changed in their system so I could get the card delivered. 
6. Customer service told me they would take action, never did. Over the XXXX months, my CRO is still locked ( staked ), and I can not cancel or do anything to get out of the situation. 
7. CRO loses about {$600.00} in value and still declining. Still, I have no card and not receiving what I paid for. 
8. I took my complaints to social media, and within days I was informed that " We recently performed a review of your account and found that it does not meet our requirements for user conduct, as outlined in our Terms and Conditions. '' I was told to remove all funds from their platform ( even though they were locked and couldn't be moved ). 
9. Support unlocked the funds in a few days, I had my funds transferred at more loss. It costs several XXXX dollars to move and convert these cryptocurrencies. 
10. CRO locked up my funds in their CRO token, as they do others, which artificially inflates its value, leaving people no choice but to invest in their coin for a false promise of a debit card. 
11. There are other issues with their service that are sketchy. Happy to share more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2022 a postal money order was mailed to American Honda Financial Corporation discharging debts under U.C.Code 3-603/3-311. According to the US Postal Services tracking the payment was received by the department. On XX/XX/XXXX the corporation called my phone threatening to repossess my vehicle although the payment was received.On XX/XX/2022 I informed American Honda Finance by certified mail that under 15 USC 1635 I am exercising rights to rescind transaction due to fraudulent activity discovered on the account. In the letter I also expressed that under 15 USC 1635 ( b ) upon receipt of recession I would not be held reliable for any security interest, finance charge, etc and all becomes void effective immediately. 

On XX/XX/2022 I received a letter from XXXX XXXX representing American Honda Motor Co Law Division stating that my notice has no legal effect and alleging that it does not discharge me from the alleged debt owed to American Honda Financial Corporation. The letter states that American Honda Finance Corporation rejects that offer and reserves all of its rights and remedies. 

On XX/XX/2022 I responded to XXXX XXXX and the Law Division expressing that as a natural person and consumer it is my right to rescind this contract being that I was not provided the fully made aware of terms of contract.

Company response to consumer: Closed with explanation