BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: ARVEST BANK GROUP, INC.
State: AR
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/XXXX two unauthorized transactions occurred using my debit card link to my bank account. The first transaction was for {$990.00}, and the second transaction was for {$250.00}. My debit card was also link to XXXX XXXX since I use them in the past to send money to friends and relatives. The money that was taken out of my account was transferred to XXXX XXXX, and a Bitcoin was purchased and then cashed out to an unknown recipient at XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX   via email ( that was the only means of commination ), and explained the situation, and they said they will reply to my email in 24 hrs. Also, on XX/XX/XXXX, I notified my bank ( Arvest ), and the woman I spoke to was friendly and apologetic. She informed that since the pending transactions were link to debit card instead of my bank account she couldn't stop payment, but she told me that once the transaction posted I could file a dispute ; get my money refunded back into my account. Once the transaction posted, I filed a dispute with Arvest bank, and they denied the dispute. They informed I need to go to the merchant since it was there system that was compromised. I called the Arvest bank ( the dispute department ) and spoke to XXXX XXXX a dispute Specialist and explained that I was still waiting for the merchant ( XXXX XXXX ) to reply, but I was told by one of their employees that once I filed a dispute I would get my money refunded back into my account. XXXX informed me to file a second dispute and file a police report since hacking ; or compromised system is the same as theft ; include that information in the second dispute and it will increase my chances of my second dispute being approved. I filed a second dispute and included the information such as police report, screen shots of the unauthorized transaction, and emails I received and delivered to XXXX XXXX security, and the second dispute was also denied. On XX/XX/XXXX XXXX XXXX finally concluded their investigation, and came to the conclusion that my XXXX XXXX was in fact compromised, and they recommend me filing a dispute with my bank ( Arvest ) which has already be done twice, and I emailed XXXX XXXX to let them know, and I haven't received an reply as of XX/XX/XXXX. I contacted XXXX XXXX to help me investigate this matter, and they recommend I file a complaint against the Arvest bank. Arvest back hasn't given a clear reason as to why they can not refund my stolen funds back to me. I just hope to get my stolen funds back ; prevent this from happening to someone else. This ordeal has been time consuming and frustrating, so help someone can give me answers, and bring be some closure.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My husband and I called and spoke with several loan account specialists on XX/XX/21 before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those XXXX payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that XXXX would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with XXXX in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with XXXX  has also left us thinking otherwise. I hope that this issue can be resolved and that XXXX will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that XXXX reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.

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 2022-06-14
Company: Inter & Co Payments, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a transfer on Thursday XX/XX/2022 and until today it has not arrived at the destination, the money left the account but did not arrive at the destination bank, I tried to contact the company through the channels at first without any response chat did not work I kept showing a person in the queue for hours and didn't answer whatsapp either, no email either, after XXXX days that only on the second I managed to contact the company, telling me that I had to wait another XXXX hours and that the bank would receiving should send me a statement proving that he did not receive it, this is unfeasible XXXX that should prove that I send it, they did not give me any proof even though they sent the money to the bank, the amount only left my XXXX account but did not arrive at the destination bank, a bureaucracy to generate a transfer receipt, I'm having a bad experience like this company, I registered because I have an account at XXXX XXXX XXXXXXXX ), I thought I would have a quality service but it's being a headache solve something simple.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I first want to start off by saying that Capital One is an awesome company however my FCRA rights have been violated and I must address these errors. I've tried to inform them of this numerous times but they have not actually looked into what I was actually contesting. Instead responding back with contracts and updated payment statuses. That's not what im asking for. Upon viewing my credit reports I noticed CAPITAL ONE AUTO had a discrepancy in the " date of last activity '', date of last payment '', " payment history '', " account status '' and " comments '', section of the listings. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. The " account status '' for XXXX  and XXXX  is " derogatory '' however, the account status for XXXX is " paid ''. This was also listed as a collection/charge-off which means it should show no payment history. Which this account does and is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have been disputing accounts on my consumer credit reports every thirty days since XX/XX/2018. I have requested verification and each time they respond verified ; I have requested method of verification and each time they respond with verified ; I contacted each account, and each business has responded by stating their records do not indicate any dispute and/or investigation from any credit bureau has ever taken place ; ignoring and/or overlooking each of my requests and unable and/or unwilling to comply with consumer rights and Federal Law.

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 2023-11-27
Company: WELLS FARGO & COMPANY
State: TX
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:
XX/XX/2023 I stopped in the port of XXXX ( our only stop ) on a XXXX XXXX. I got off the ship and did some shipping at the port only. If you look at the map, there was no way I could have done a day long drive all the way to the clinic to swipe my card and then come back. I WAS ONLY IN PORT FOR THAT ONE DAY. [ see image-1 ] [ see image-2 ] XX/XX/2023 - I discover the fraudulent charge on my card. I call wells fargo credit card fraud and they say they will look into it and will hear back in 15+ days. I wait. I receive another letter in the mail to email XXXX with all proof and documentation and a copy of the form they sent. I send it on XX/XX/2023 then follow up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. No response via email so I also made phone calls. Wells Fargo tells me to contact the Clinic directly which I did ( made several phone calls ) with no response. 

XX/XX/2023 On this day, Wells Fargo got rid of the fraudulent charge and cancelled my account. But then days later, they created a new account and put the charge back in it. 

XX/XX/2023 I receive another leVer saying dispute declined. I call the number and have them reopen it again. 

XX/XX/2023 - Contacted the Clinic on via XXXX XXXX because they wouldnt answer my cell phone calls. They said they would look into the charge and they would even give me the signature page of whoever signed on my behalf. because they require a signature for all transactions. 

XX/XX/2023 - I got a response from the clinic saying they checked their books and they dont even have a charge matching the amount on my statement. [ IMG_7672 to IMG_7675 ] So the fraudsters probably just used this company so it couldnt be tracked to them. 


XX/XX/2023 went to Wells Fargo to Fax all information ( because they said they dont accept emails even though they originally told me to send emails to XXXX ). During this, I was on the phone with the fraud department to make sure I had the right number and that they would receive it. They said it would take at least 10 days to receive the fax But then I receive the 2 letters back to back over the XXXX holiday : XX/XX/2023 - dated letter that says my claim is being reopened. 

XX/XX/XXXX, XXXX dated letter that says " disputed charges are valid and appear authorized by you. as a result, you are responsible for payment and your claim has been closed '' [ *please note there were several more calls to Wells Fargo Credit Card department and fraud departments but I didnt write them all down ]

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 2022-12-26
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: PA
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:
I HOPE THIS FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY XXXX XXXX, EQUIFAX AND XXXX. 

UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 UNDERSTAND THAT XXXX XXXX XXXX AND EQUIFAX TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT ALL PARTIES INVOLVED. 

ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT XXXX, XXXX AND EQUIFAX CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT THE CREDIT AGENCIES PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR XXXX, EQUIFAX AND XXXX XXXX  COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
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:
I applied for a credit card with my bank, set up auto-pay, and consistently paid for the card I applied for. However, I noticed my accounts were being deducted twice for an unauthorized credit card. Despite bringing it to the bank 's attention, they didn't clarify the issue, and I stopped payments for the unauthorized card. I reported the problem to credit bureaus, but the bank refused to remove the account, resulting in a delinquent charge-off, negatively impacting my credit.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently check my credit report and I saw some incorrections that were not mine

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 2023-11-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information they include on my credit report, but currently, they are failing to do so. They have listed an erroneous address : XXXX XXXX XXXX XXXX XXXX, which should be correctly stated as XXXX XXXX XXXX XXXX XXXX XXXX The law, specifically 15 U.S.C. 1681e ( b ), mandates that all details must be precise and consistent across different reporting agencies, which is not the case at present as they display varying addresses. This incorrect address reporting by Equifax is a breach of my federal consumer rights. Moreover, Equifax has not been granted any written consent from me to report these inaccurate addresses on my consumer file, which constitutes a further violation of 15 U.S.C. 1681b ( a ) ( 2 ). It is evident that Equifax has infringed upon my rights protected by the FCRA, and this wrongful reporting has inflicted significant damage to my reputation, leading to discrimination and emotional distress. I demand that XXXX remove the incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX from my report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXXXXXX account with the account number XXXX This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XXXXXXXX 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