BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The transfer was put on hold and when the MoneyGram agent and me, talked with a high level manager at MoneyGram he refused to allow the wire transfer! The agent and me answered all the questions he asked! The MoneyGram manager said I was not allowed to use MoneyGram services anymore! This would not be a problem, but XXXX XXXX told me five years ago that I could not use there services! I tried to use XXXX XXXX recently, but they declined the wire transfer! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a chase sapphire preferred account which was closed in XXXX of this year. I was under the impression that all points and rewards accrued ( XXXX points, worth approx. {$1600.00} per valuations by leading journalists ) would remain since I had another ultimate rewards account open ( chase freedom card ). Chase did not disclose anything different to me at the time of account closure. On XXXX of this year, I attempted to redeem some of these points and noticed that they were missing. 

Chase was telephoned on XXXX and I explained the situation. Chase associates were initially able to locate all documents and were understanding and sympathetic to my request. End Result of this call was that chase would file appeal on my behalf to receive the points back and I would hear back within 7-10 business days. After this call, chase purged records from this account on XX/XX/XXXX ( hardly seems coincidental ). Appeal filed was notated under wrong account ( ending in XXXX, not XXXX ) and was denied per letter dated XX/XX/XXXX. 

Telephoned Chase again on XX/XX/XXXX after receiving incorrect denial letter. Chase associates and supervisor were unable to find records of this account except that it was closed in XXXX of XXXX. This closure date is clearly incorrect, as statements were generated as late as XXXX of XXXX. Charges were made in XXXX of XXXX. Chase claims disclosure was read to me upon account closure, but I do not recall this disclosure and would have acted on this information. Reached impasse with chase and decided to escalate matters to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: DC
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, {$3200.00}, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX has violated my rights. 
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.

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 2022-07-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email on XX/XX/23 to my personal email address with a " Welcome to Chime! '' Email. I forwarded the email to the email address listed at the bottom of the email which stated " Didnt sign up for Chime? Email us at XXXX '' the same day. I didn't receive any correspondence back from this email address. 

On XX/XX/23, I received an email that stated that " Your Chime XXXX XXXX XXXX is on it's way '' and listed my personal address. I then googled Chime and found their customer service number and contacted the Fraud department. I spoke with an agent who confirmed that they closed the account and that I would not be responsible for any charges. Unsure how Chime was able to open an account in my name when I have a current security freeze in place on all 3 credit reporting companies and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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:
I noticed a charge for {$2000.00} on my checking account on XX/XX/2020 and immediately called Bank of America to file a claim. I continued to call every three days to check in on my claim as I still had heard nothing back. The transaction was made to a XXXX company in New York. Neither me nor my husband have ever even been to New York or have ever made a transaction amounting to {$2000.00} on our debit cards or credit cards. BOA stated that since Iogged onto my online banking account ( when I checked my account and noticed the fradulant transaction ) that they denied my claim. I logged on and immediately noticed the fradulant transaction and made the claim, so this makes zero sense. It is now XX/XX/2020 and BOA has denied my claim and I have had to reopen it and now wait at least another two weeks in order to even possibly receive my money back. BOA is trying to state that I logged into my online banking account during the dates of XX/XX/2020 and XX/XX/2020 which is one reason why they denied my claim. I did not log into my account at all during those two days.

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 2022-09-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Synchrony Bank. I notified them on XX/XX/22 that I was moving and gave them my new address. They froze my account the first time when I tried to charge to get a XXXXXXXX alarm system put in my new home. They froze my account for a SECOND time when I tried to charge a riding mower from XXXX XXXX ..... BOTH times I had to go through a ridiculous XXXX step procedure which included taking a XXXX second video of my face and photo coping both sides of my drivers license then they sent me a long verification code. Today I charged XXXX dollars at XXXX XXXX, then went to XXXX XXXX where they froze my account for a THIRD time, this time their fraud department told me I had to wait for a letter from them with some sort of code and then call them back, probably to do the 5 step procedure for the third time. Their fraud department which I believe the call center is not located in the United States does not understand and are too XXXX to understand the correct procedures to look up and see when someone has moved and has notified them in advance that they were moving.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have rewatched out to all credit bureau about disputing items. XXXX and XXXX have Deleted numerous of things that could not be verify but experian has everything on my credit report as negative and five of them are actually in good standing. Experian never verified any documents stating that those accounts belong to me. I sent experian certified letter after letter and they will not fix this problem.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've submitted XXXX requests to Transunion to remove XXXX fraudulent accounts through XXXX that were obtained in my name using my personal information, I've submitted a police report and a notarized Identity theft affidavit along with a request to validate how they are verifying these accounts and they have failed to send me proof or acknowledge my requests. This is the XXXX request to remove these fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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: 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 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( a ), It is plainly stated that a failure to investigate those items within 30 days gives 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We leased a XXXX XXXX through Ally Bank ( which is now the main leasing financial bank for XXXX ). During the time we leased I was caught up in a photo enforced traffic light in Washington DC. DC DMV sent the ticket directly to Ally as they were the title holder and never sent it to me the leasee. Ally is extremely slow with their internal processing and finally sent me the ticket info almost 60 days after they received it. This was in XX/XX/XXXX when the ticket happened. I immediately contacted DC DMV and asked for the photo which they could not produce. I submitted a formal letter to them disputing the ticket which was in process. By the time Ally sent me the information the ticket went from {$150.00} to {$300.00} due to 30 day time limit to pay ticket. If I was informed in a reasonable time frame I would have been able to not only get out of a fraudulent ticket but also save {$150.00}. Ally then paid the ticket, locking me into paying the fine. I have a totally clean driving record with no tickets and had my entire family in the car. I do NOT run red lights ... .. I tried calling customer service many times to resolve. They will not send to a supervisor. I sent a formal letter with all of the information and they never responded. I finally bought out the lease in XX/XX/XXXX through a XXXX Dealership where we originally leased the car. They called Ally and got a complete buy out for the car. I got a loan, paid Ally and got the title for the vehicle. Once again, months go by and Ally sends me a bill for {$310.00}. I now have the car, title, bill of sale and Ally is looking for more money. I have tried every avenue to resolve and at lease get them to pay the {$150.00} due to their poor internal processes that created late information transfer. No one would talk about it, only tell me that I owe them this money. Recently they sent me a letter threatening to send me to collections and report me to the credit bureau. I have 800+ credit. I paid them their money but want no one else to deal with this bank. I have recently found quite a few more people that have had similar problems with them. One person I work out with recently leased a car. Their slow processing sent her the first bill in the mail ten days after it was due and charged her a late fee. Once again rude customer service and no escalation process to dispute. They are pushing their inefficiencies onto consumers without recourse and threats of ruining their 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 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: VA
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 sent my first letter to the credit bureaus- XXXX, Experian and XXXX reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They never responded after several attempts of follow ups done. 

With that said, they were advised to investigate these accounts that I believe are inaccurate. That was MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the accounts from my credit report. I have given them more than enough time.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Sent out this letter to the company on XX/XX/2020 Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. 

Account reporting incorrectly Open account XXXX XXXX XXXX XXXX Please delete it I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors in their credit report, they have a right have them fixed right? I got this information from the FCT, and the CFPB. This correct information on my credit report is causing me problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 


Thank you,

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 2023-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
A theif stole five payroll checks that were made payable to me, ( XXXX XXXX XXXX ). They were able to cash/ deposit the checks without me being present in the transaction. Also, the checks were not properly endorsed, in order to be a third party transaction. The checks literally only had a a mediocre forgery of my name without my prefix ( XXXX ), which I definitely do include in my signature. The institution/banker did not require the criminals to provide a valid form of identitifaction from the original payee, so the checks were processed without my consent. The checks were not flagged for failing to correctly endorse the checks to a third party according to US laws. So all in all wells Fargo helped criminals ( bust ) five checks in one of there institutions, and they are refusing to compensate me for this terrible occurrence. They also are withholding vital information needed to press charges and move forward in the police process. I've been led on for about a month now. My checks were cashed on XX/XX/XXXX and XX/XX/XXXX of 2023 it is now XXXX and wells Fargo has yet to provide me with a reasonable solution to allowing this type of fraudulent activity to take place. I. Had to be in a homeless shelter for weeks before finally being able to afford and apartment, and even then l, I am falling behind only bills and responsibilities do to this devastating loss. Five checks were fruadently processed by wells fargo in total; amounting to around $ XXXX {$4000.00} in total. Wells Fargo still fails to make any attempt to compensate me for their 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The credit bureaus stated my accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is that possible when between the three credit bureaus there are still different open and close dates , credit utilization, wage garnishment from a debt back in 2008 and total debt overall inaccuracies? Those inaccuracies are grounds for removal, compensation, and are still violating my rights under 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.

Also according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.

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