BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-15
Company: U.S. BANCORP
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 am writing to dispute the accuracy of several unauthorized inquiries on my credit report, as provided by XXXX. After obtaining a copy of my report, I have identified the following inquiries that I believe are unauthorized and not attached to any of my accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, I request that you conduct an immediate investigation into these matters and remove these inquiries from my credit report. 
* Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Explanation of Inaccuracy : * All of the listed inquiries are unauthorized and not associated with any accounts in my name. 
* Request for XXXX XXXX and Removal : * I request that XXXX immediately investigate the unauthorized inquiries listed above and remove them from my credit report. 
* Reference to FCRA - 15 U.S. Code 1681a : * I want to bring to your attention the FCRA, specifically 15 U.S. Code 1681a, which outlines definitions and rules of construction related to consumer reporting agencies. As per the FCRA, inaccurate and unauthorized information should be promptly investigated and corrected.

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 2023-12-02
Company: EQUIFAX, 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:
XXXX - XXXX EQUIFAX : XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported 60 past due. This does not correspond with the dates reported in XXXX and XXXX, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. 

XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX 30 days past due. 

XXXX : XXXX shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Genesis FS Card Services, Inc.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX I filled out the application for a credit card and I was denied I informed the company that they were in violation of the law and that they were also violating my constitutional rights to Pursuit of Happiness by denying me access to an extension of My Own Credit I believe they are possibly committing Securities fraud being that they took my application and it was turned into a financial asset that is being traded on the secondary Market without my knowledge or permission and if this is the case they did not conspicuously make me aware of this information I only know this because of my own personal studies that I doing in my own personal time.. they did not provide me any profits from the security that they are trading on the market I also shared the law with them I provided the link to your website they read it and still said they did nothing wrong so they told me that they are using their own guidelines to make the decision which means they are ignoring the law that the government has put in place to protect me the consumer from discrimination and that they basically operate independent of the laws and use their own " laws '' to make a decision even after I repeatedly broke down to them what the law was through email to send them a link and even copy and paste it wasn't wrong was and still said that they were doing nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased {$1200.00} in goods from XXXX stores of XXXX FL and XXXX provided tracking with delivery info but XXXX never delivered the items. Instead said left with neighbor. Problem is two fold 1. I never authorized them to leave with neighbor. I checked with ALL neighbors and no one got the packages. 
2. XXXX can not say with whom ( a person 's name ) or WHERE ( which address ) packages were left!! 
Therefore delivery has to be declared LOST and my {$1200.00} dollars refunded to me. 
There is Insurance on this delivery and merchant REFUSES to help!! Did not even require a signature and the amount is HUGE!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was recently scammed while trying to sell items online. The buyer sent me several bad checks that were way too much than what I asked for and would ask me to send the extra money back, I didn't realize this was a scam. After talking to family and realizing it was a scam, I called USAA and reported it. They closed all my accounts and had an investigator look into it, the investigators called me back a day later and told me I was at fault and I would have to pay back the bank and they would be closing my accounts in 60 days. 

I opened a new account at a bank and USAA is not letting me transfer the money I have left from my savings account to my new account with a different bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My family and I went to XXXX 's and spent {$53.00} the machine was not work and my card was ran 3 times. Causing XXXX transactions for {$53.00} and a charge of {$1.00}. At the restaurant the machine continued to say that the charge did not go through, so I paid in cash. On the back of the receipt the manager wrote Paid w/ XXXX  XXXX  XXXX swipe at XXXX XXXXXXXX {$1.00} charge fell off in pending. The XXXX charges of {$53.00} posted to my account. I Disputed the transaction with Wells Fargo on XX/XX/XXXX or XX/XX/XXXX. The XXXX charges of {$53.00} were placed back into my account XX/XX/XXXX. On XX/XX/XXXX the two charges of {$53.00} were taken back out of my account. When I called to see why the money was taken out, I was told I needed to send them a copy of my receipt, which I did. I was told that they are not able to see the receipt and I should go to a branch. The branch told me they would send it the same way I did. The escalation team called me saying they could not do anything for me. I was told that maybe I should take the receipt to XXXX to fax it to them. Wells Fargo is asking me to run all around town to do work for them instead of helping me get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: CITIBANK, N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Citibank is where my accounts were hacked. 

XX/XX/scrub>XXXX XXXX XXXX  my checking account was hacked. Hackers changed the email address and password. Put wire transfer feature. Put in 2 new payees. Made 2 wire transfers to their new email account and domestic bank account. The transfer was made by a XXXX XXXX to an account at XXXX. 

He tried a third transfer that was denied. Citicorp denied that one. ( Thank goodness ) The wire amounts were for {$1900.00} and {$2000.00}. 

I reported the fraud of unauthorised wire transactions for investigation and was denied a refund. I appealed and was again denied, even thought Citibank knew that my account had been hacked. Citi said that the wires were authorized. The fraudsters had hacked 2 credit cards the same day. They refunded me on one account but not on the other. 

Citibank has all the documentation to indicate that it was fraud and unauthorised wire transfers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, FINRA, SIPC and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX  number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.

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 2023-12-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a wire transfer of USD XXXX from my XXXX XXXX XXXX, New York account to my JP Morgan Chase Bank account on XX/XX/XXXX. 

After waiting for a few days, I told XXXX that I still had not received the funds on XX/XX/XXXX. Then, XXXX sent two internal messages to Chase for a check-up but got no response. 

About XXXX, XXXX sent me the proof of remittance and we realized that I mistakenly put the account number for Chase off by XXXX digit. I went to the local Chase branch and told the manager the situation, and I started the recall request from the sending bank. 

After that, Chase informed me that the fund had been deposited to the incorrect recipient even though I provided my full name and address for the wire. Till now, the Chase wire department kept telling me that they tried to reach out the the recipient many times but could not get in touch with him. 

I asked by what means Chase used to contact the person, and their wire department answered they sent secure messages through the mobile app. Such a method is so unreliable that only a few people would actually look at their mobile app messages. I asked them maybe try to send a physical letter or call the person, but Chase refused. 

I also informed the situation to Chase Executive Office long time ago, and a representative said they hope can get a solution before XXXX. However, there is no update on the progress for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXX, XXXX and XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX  number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: R.M. Galicia, Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a collection account on my credit report from XXXX XXXX XXXX which lists PROGRESSIVE as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report.

I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX, and I have been a Citi credit card customer for more than 8 years. Citi Bank closed five of my Citi credit card accounts ( Citi Premier, Citi Reward Plus, Citi Costco, Citi Double Cash, and Citi XXXX XXXXXXXX ) at the end of XX/XX/2023, after I filed a billing dispute for XXXX on XX/XX/2023, for the online order I placed on XX/XX/2023, of total {$76.00}. The reason for my dispute is I returned the full order at XXXX 's store on XX/XX/2023, and received the order return confirmation email, but I have not received the refund on my Citi double cash credit card, after several communications. Citi closed all my credit cards because there was misrepresentation information about my disputes. The disputes related to this are XXXX and XXXX, which all favor my side on XX/XX/2023 after your investigation, after I provided the evidence ( attached for your reference ). I dont understand why you said I provided you with misrepresentation information for disputes as everything I did is true. I know there were a few XXXX disputes that happened in early XXXX, thats because my XXXX account had a technical issue and it lost track of all my XXXX returns without my awareness, so I never got the refunds for my XXXX returns and thats why I file disputes for not receiving the refunds after return, but I have never been asked to provide the evidence from Citi bank, otherwise I could send you the return tracking information and explained what's going on. I always follow your dispute guidelines and I think it is unethical to close all my credit card accounts without prior communication and the reason for closing my account is untenable ( If I provided misrepresentation information for dispute why do you favor my side after several months of investigation? ). I would hope you can reconsider my case and reopen my credit card accounts. Thank you so much!

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