BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has all violated my rights with multiple attempts to resolve, nothing. 

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 explanation
Consumer complaint received 2018-09-12
Company: CASH AMERICA INTERNATIONAL, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My husband applied for a loan back in XXXX online and was paid off this past XX/XX/2018. Today I received an email with a new loan offer, We called the number to check it out, the man who answer name is XXXX, I couldn't understand due to his XXXX accent, said he need our acct information to verify it was my husband. He made us confirm my husband information which he emailed us the " loan approval '' form per my request. I asked to speak to a manager who's name was also XXXX advised he was going to deposit XXXX in which at XXXX we needed to go to XXXX and do a money transfer and then by XXXX the would be XXXX in his acct. When unasked him where he received my husband information he said XXXX XXXX. It made no sense to us so we called the bank and changed all passwords. ( They claim to do a digital deposit ) His name is XXXX XXXX and phone is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Kikoff Inc.
State: IL
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 tried to get information proving that I missed a payment but never received the proof as there is none because I was never late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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: Reporting company used your report improperly

Complaint:
Im writing this letter in regards to inaccurate information reporting on my credit report. Under these laws section 604 15 U.S. Code 1681b, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. code 1681 C-2, these fraudulent inaccurate information should be removed and blocked from my credit report immediately. I did not consent to authorize nor benefit from those inquiries XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX, XXXX : XXXX ; I am from XXXX XXXX and I was a XXXX in the XXXX in XXXX studying at XXXX XXXX XXXX 

I am reporting an unauthorized transactions from XXXX different ATM cards that I own from a Bank in my country XXXX  XXXX called : " XXXX XXXX ''. Those transactions were done without my knowledge or my permission ( I have been stolen ). I traveled with my family to Florida in XXXX, and most of the withdrawals were in Florida except XXXX or XXXX withdrawals were in Virginia, XXXX have attached a PDF file with details of each transactions from each card. The transactions were unauthorized withdrawals from each ATM card at the same day & time every day ( It was not me ). I contacted the XXXX Banks to provide me with any information, however, there was no response or answer. I also contacted the XXXXXXXX XXXX " XXXXXXXX XXXX  '', and they said they can't know. I, therefore, contacted XXXX, FL Police based on their official website to check the recorded videos, I attached my photo to match the Video with my photo, and I sent them all the details even pictures of the ATM cards along with PDF file with transactions ; however, there was a response from an email ending with XXXX NOT XXXX ( I attached a picture of their response with their email ) and there was no action or response or any investigations. Each withdrawal was {$1000.00} from each card every day at the same date & time. The one who withdrew the money has activated XXXX XXXX in his Phone because I recieved a text message from my Bank in XXXX XXXX stating that XXXX XXXX was activated, but not by me. 

All I need is only XXXX of the one who withdrew the money which was around {$13000.00} or more, then will decide what to do next. 
I am currently in my home country, please help me clarifying everything. 

My name : XXXX XXXX XXXX My Social Security Number : XXXX My Cell # : XXXX My Official email : XXXX My public email : XXXX XXXX ATM card : Name : XXXX XXXX ATM card # : XXXX Expiration date : XX/XX/XXXX Number at the back : XXXX XXXX ATM card : Name : XXXX XXXX ATM card # : XXXX Expiration date : XX/XX/XXXX Number at the back : 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 2022-06-03
Company: Improved Data Services LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have already filed a claim against this company and have asked that they not contact me. I received another call regarding " arrangements '' at XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Fraud was dine on my account by wells fargo representatives they did not close my account when i requested. The witheld money from me and closed my new account 3rd account with wells fargo i ever opened. I did not receive funds of {$1700.00} from previous account and {$410.00} from last account.my oersonal checks were stolen and i asked yo close the account and i was denied and robbed for {$1800.00} through wells fargo checks

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 2019-04-08
Company: TRANSWORLD SYSTEMS INC
State: AE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill paid on XX/XX/XXXX, {$240.00} dollars owed to XXXX XXXX, XXXX and XXXX XXXX, XXXX, OK XXXX, USA. Debt was incurred out of Medical Services provided on XXXX XX/XX/XXXX and insurance company refused to pay it since they said I had moved from Oklahoma to XXXX and insurance did not cover overseas medical insurance charges. XXXX XXXX failed to notify me to my email address since they had the wrong email address and since I had moved overseas, address and all had changed. I did not get any notification of this debt until XX/XX/XXXX and I went ahead and paid it off by phone with my Credit Card -- NO ISSUES. 

But, XXXX still went ahead and reported me to a Debt Collection Agency : TRANS WORLD SYSTES, debt collection agency. THEY have been harassment me daily, calling my overseas telephone number non-stop using a ROBOT-CALLING system daily phone calls that are mid-night here in XXXX due to XXXX hours TIME DIFFERENCES. 
Number they call me from : XXXX, I have contacted their representatives time and time again without much success. They always assure me that it will STOP it never does. POC that  company is XXXX XXXX XXXX XXXX ... .it is totally inappropriate to be continued harassment me like that even though I already paid of the DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
There are several issues right now which has led me to filing bankrupcy to protect my home. I have lived in my home for XXXX in a XXXX  years, Back in XXXX I bought my home for XXXX with a XXXX  year fixed loan and a XXXX XXXX interest rate. I worked at the mines for XXXX  years and never missed a payment. I had taken out a loan against the property in XXXX for XXXX which was considered a XXXX mortgage. I was paying XXXX monthly every month. Than in XXXX I had a XXXX XXXX and was forced into retirement i also had a XXXX which has completely ruined my memory. I am getting foreclosed on for delinquent taxes which i have always had escrow taken out of my payment every month and never had a problem. now they want to take my home away? Why and how do i owe more than what i originally got my loan for XXXX  years ago. I still owe XXXX dollars on my home and it is worth XXXX dollars now. I quit making payments on my home to both companies because i did not know where my money was being applied to. I need answers I should have my house payed off or pretty close to having it paid off. Last year I was in good standing with the XXXX XXXX XXXX and got help from the HAF program in Wyoming and they applied XXXX dollars to that mortgage so i could pay off the XXXX every month on the loan i took against the property so i was paying XXXX every month because i did not have to make a payment on the first loan due to the HAF program paying me XXXX ahead. They have no record for that payment and now saying i am XXXX dollars behind. something is not right I do not know weather to hire an accountant to help or an attorney to help i am at loss for words and refuse to lose what i have worked so hard for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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:
these are unauthorized inquiries, and these transactions are not related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: IL
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:
I am writing to address the events that occurred following the theft of my cell phone on XX/XX/2023. On XX/XX/2023, two unauthorized transactions were made from my Chase XXXX Checking account, one for {$900.00} and the other for {$800.00}. In response, on XX/XX/XXXX, I went to a Chase branch to begin the process of filing a claim. 

Unfortunately, my initial claim was denied without clear or adequate reasoning. Following this denial, I returned to the Chase branch on XX/XX/XXXX, as instructed, to have my claim reevaluated. Despite assurances to the contrary, no reinvestigation had taken place. 

On XX/XX/XXXX, I received false information during a follow-up call to inquire about the reassured reinvestigation. The Chase representative in who handled the case, XXXX, initially claimed that the funds were withdrawn from an XXXX XXXX, which I have never owned. When pressed for more information, she denied knowledge of the device used, despite my owning an XXXX XXXX XXXX XXXX ( which was stolen ) and an XXXX XXXX. 

These instances of misinformation and refusal to provide identifying details limited the investigation and resolution process significantly. 

Unauthorized transactions conducted via the Chase banking app, particularly via XXXX, using an XXXX XXXX XXXX XXXX, the phone stolen on XX/XX/2023, provided the perpetrator with access to conduct these unauthorized transactions. 

None of the transactions were verified or authorized using standard methods of communication such as text messages, notifications, or any other formal means. In order to resolve this matter, I diligently provided all requested documentation, including police reports, activity logs, and email records. 

The lack of transparency, misrepresentation of facts, and failure to conduct a thorough investigation have all diminished my confidence in Chase 's security measures and claims resolution process. Despite my best efforts to resolve this internally, I believe it is necessary to escalate the situation and file a formal complaint. 

I respectfully request a thorough investigation and appropriate action to address this concerning and unacceptable situation. Your time and effort in this matter are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-29
Company: CITIBANK, N.A.
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi, my name is XXXX, Im a resident of Puerto Rico. In XXXX, I opened an internet account called Accelerated Savings ( CITI BANK ) that was offered to me when I logged into my CITI credit card account. I added my 2 Puerto Rico Bank Accounts and funded this account. Never got a problem or a call explaining that I needed additional documents. On XX/XX/XXXX, I tried to make a transfer from CITI to my external accounts ( that I previously used to fund this one ) and got an error after 3 days and the account was put on hold. I proceeded to call CITI, and they told me that it was a security precaution and removed the hold, tried once again and the same thing happened after a few days. This process happened at least 5 different times between XXXX and XXXX ( XX/XX/XXXX being the most recent communication with Citi Customer Service ). I finally got an agent that identified the problem as missing documents to corroborate my address, so he sent me a docusing link, I uploaded the documents XXXX Electric Bill and Paystub ) After a few days, I proceeded to make the transfer but had the same outcome, so I call again, and they told me that the Electric Bill was not accepted due to the address. I tried to explain that in Puerto Rico, we have issues with the address, they dont follow strictly the USPS format, and we often have problems with that. Also, when I created the account, I never received notification that I needed documents before depositing or transferring money to that new account. After that, I send a few other documents with different bills ( internet and XXXX ) with the same address, but they were not accepted because the account showed an extra digit on the address that the bills did not have. Basically, they were not accepted because a 2 was missing on the bill, but its the same address, and its the name of the place, and sometimes its the data entry personnel from the utility company that input the data when given and due to format issues with USPS in Puerto Rico, they are often not exactly the same, but just rejecting the document because of a 2 missing is something that I would not understand. I've been trying unsuccessfully since XXXX to close the account and get my own money, but they are not giving me options, or a solution and still i don't have my money. So please Im begging someone to understand this case, to help me solve this because Im in desperate need of my own money due to serious health issues and this problem have caused me complications and XXXX. I beg you to understand and help 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 non-monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 explanation