BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Per my request, an outgoing wire transfer of ( USD ) {$100000.00} was debited from my account on XX/XX/2021 at XXXX XXXX ET. 

The address associated with the banks routing number was different than what I was given by the company, furthermore - the address associated auto populated and I was unable to change it on my end. I called the associated bank and they reassured me that the address that populated was synonymous and would work for the transfer. Per the instructions that the company gave me - reference number instructions, etc - everything is accurate on my end. 

Per the companies website, <<What is the timeline for sending a wire, and how soon will I get it? 

When depositing a wire, you can refer to the timeslots below to indicate when you can expect the wire to be processed and applied to your account : Deposits/disbursements created BEFORE XXXX XXXX ( Pacific Time ) The wire will be processed the same day. 

Deposits/disbursements created AFTER XXXX XXXX ( Pacific Time ) The wire should process on the following business day. 
Deposits initiated on non-business days/hours : All Wire Transfers authorized during the weekend or holiday will be processed for delivery on the next available business day. 

How long will it take for my wire to arrive in my account? 

Generally, wire transfers will take a maximum of 3 business days for the deposit to arrive in your Binance.US account. If you do not receive your wire transfer after the third business day, please contact Support. >> I have reached out to the company and banks multiple times. It has now been 9 business days since this happened with nothing more than an automated message that they are looking into it.

No one has returned my emails or calls. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: KEYCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Please refer to the last complaint XXXX On XX/XX/2023, both myself and the owner of XXXX XXXX showed up at Keybank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX to get our {$3000.00} dollar back. We worked with the banker there, but Keybank fraud department is unwilling to work with us to get our money bank. Keybank required XXXX bank to recall the funds. Both myself and the sender ( XXXX XXXX ) talked to XXXX Bank on multiple occasions. XXXXXXXX XXXX stated the money transfers were verified and that they can not reach out to Keybank because of their policies. Now I understand that Keybank deemed this is suspected fraud from the beginning, but all misunstandings would have been prevented if Keybank did their investigation and reach out to XXXX to verified the transactions, but the process did not get done. 

We can not help but feel helpless that none of the banking institutions are willing to work with us. These are not Keybank or XXXX money, but they are holding our money without providing working solution. We can not help but feel robbed of our hard earn money. 

Both myself and XXXX XXXX are willing to work with Keybank or XXXX to find a solution. XXXX XXXX is willing to talk to Keybank and provide any information that is required I plead to CFPB to investigate this situation and help us find a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: TN
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account has been closed for 13 years and school closed down its still reappearing on my credit and impacting my credit score. They keep sending it to different collections and its supposed to be removed of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: LEXISNEXIS
State: MD
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:
LexisNexis Risk Solutions is inaccurately reporting a Not at Fault Accident for XX/XX/2021 and this is negatively impacting my insurance premiums. 

I sent in a utility bill to authenticate via a link provided as requested by LexisNexis Risk Solutions. However, it continued to claim that I did not authenticate. 

The issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, I have submitted a request to remove XXXX XXXX from my credit report to XXXX Credit Reporting due to this account being over 7 years old, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
went to a dealership to get a car and dealership ran my credit report with other companies instead of just their company like they told me they were going to do causing me to have all these hard inquiries

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 2022-03-05
Company: Self Financial Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recieved an email on XXXX stating that my card is now frozen, and submit my drivers license and 2 debit cards showing that they belong to me. I did and i was told i have to wait for some to review it and release my funds.. how is it legal?? all i did is pay off my credit cards from tax return?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: DISCOVER BANK
State: NY
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:
Since in the previous response ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. In the previous letter I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. DISCOVER BANK. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2021-03-02
Company: Credit Karma, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I opened a " Credit Karma Spend '' account and they were deceptive about the time frame they ship debit cards. They emailed me 5-7 days, and promised 14 calender from application date. It is now a month later and there is no card. What is interesting to me is that I naturally requested a tracking number and they were evasive about it multiple times, and when pressed claimed they had no access to it -- and that there was no way to get it ever despite them being adamant that the card was shipped on a certain date. I think they are way behind and not delivering the service they advertise, and then trying to lie about the details while offering no proof in an attempt to obtain the revenue of a rapidly growing company though they are not capable of handling the volume of transactions. 

Special attention should be paid, since CK 's aggressive marketing of this platform on the XXXX website makes it the channel through which thousands if not millions of Americans are receiving their federal tax refunds and stimulus payments. This makes any UDAAP committed by CK almost inherently material because it threatens money the public is counting on for basic bills and survival.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023, I applied online for a line of credit. Wells Fargo immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of 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 2023-10-04
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: Information belongs to someone else

Complaint:
I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report that have not been adequately addressed despite multiple attempts to rectify the situation. I have taken every possible step to have these inaccurate and damaging entries removed from my credit report, but my efforts have thus far proven unsuccessful. This ongoing issue has had severe consequences on my financial well-being and is causing undue stress and hardship. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items, and I have provided all necessary documentation to support my claims. However, despite my best efforts, these inaccuracies persist on my credit report, which has adversely affected my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I urge you to take necessary steps to prevent the reoccurrence of such inaccuracies on my report in the future. 

I am willing to cooperate fully and provide any additional information required to resolve this issue promptly. I expect a written response from your agency within 30 days of receiving this letter, as required by the FCRA, confirming the removal of the fraudulent items from my credit report. 

Failure to address this issue in a timely and satisfactory manner will leave me with no choice but to pursue legal remedies available to me under the FCRA and other applicable laws. Kindly assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX XXXX  XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX responded to a complaint filed by me on XX/XX/XXXX, due to never receiving any type of prior correspondence and my ability to dispute debt ; which is my right under the FDCPA. Instead of sending correspondence addressed to me at my Pennsylvania location, ( WHICH THEY DID NOT SEND ME ANY LETTERS ) a sheriff was used by XXXXXXXX XXXX XXXXXXXX to intimidate me. They used a sheriff to deliver a lawsuit at my house. I absolutely DID NOT receive any correspondence on XX/XX/XXXX, as stated in their response to my complaint filed on XX/XX/XXXX. If I had received the XX/XX/XXXX correspondence, I would have disputed the debt, which I still dispute the debt to this day. Please provide proof with a copy of the certified letter with my signature on it, showing that I received the correspondence allegedly sent on XX/XX/XXXX. I am a XXXX veteran and do not work. I get the mail every day and HAVE NEVER received any correspondence from XXXX XXXX XXXX. Also, I HAVE NEVER received any phone calls with any messages left by XXXX XXXX XXXX, as allegedly stated in their response. Also, I absolutely DID NOT receive any correspondence on XX/XX/XXXX, as stated in their response to my complaint filed on XX/XX/XXXX. If I had received the correspondence the XX/XX/XXXX correspondence, I would have disputed the debt, which I still dispute the debt to this day. Please provide proof with a copy of the certified letter with my signature on it, showing that I received the correspondence allegedly sent on XX/XX/XXXX. Again, I am a XXXX veteran and do not work, and if I had received any type of correspondence from XXXX XXXX XXXX, I would have immediately disputed the debt, under my FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- Experian, XXXX, and XXXX. Experian reports the account number as XXXX, while both XXXX and XXXX report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on Experian, XXXX, and XXXX. 

Attached is documentation in support of this complaint.

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 2019-01-10
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.

Company response to consumer: Closed with explanation