BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to you because I started doing my own research online and I seen a couple people saying to reach out to you guys for help. I was a victim many of times of fraud in my life time and I documented it this time on paper. I sent the 3 major credit bureaus some papers stating that these thing on my credit report was fraudulent, but I don't know if they received it or anything. These accounts I have listed are fraudulant and I am just trying to get to the bottom of this situation so I can move on with my old life I have left. I hope these companies don't expect me to pay for someone else 's gain, because I only have money to pay for my bills and medication. I hope this letter finds you well and I also hope that you can help me because this is all fraud and I will attach my fraud report to this also. Thank you for your time and have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My company received a call from Citizens Bank regarding a possible fraudulent check they received via atm deposit for {$17000.00}. We verified that it was a washed check that had been cashed by the original payee, stolen and then reissued to a person who deposited it through an automatic teller. This occurred on XXXX XXXX, XXXX. These funds were not applied to the individuals account by Citizens who was holding this money until proper disbursement could be verified and made. 

We completed the necessary claim paperwork through our bank ( XXXX XXXX  in XXXX, CT ). That paperwork was forwarded to Citizens Bank Fraud Dept. We were told it could take up to 90 days to process. We began inquiring about the resolution in late XXXX but XXXX XXXX  was told the claim was not in Citizens system. XXXX XXXX  personnel have forwarded this claim multiple times without receiving a confirmation of receipt until XXXX XXXX, XXXX when they were finally able to get a case number assigned to it. ( # XXXX ) We are going on 22 weeks without closure of this claim. What can be done to return the {$17000.00} that is sitting with Citizens Bank? I'm expecting that our claim will continue to be lost so that Citizens can not be held accountable for failure to process timely. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
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:
On XXXX XXXXXXXX XXXX charges flooded into my Wells Fargo account, from an individual or individuals, allegedly using the card simultaneously in XXXX XXXX XXXXXXXX, and more recently in XXXX, which the bank declined. 

Despite the obviousness of this flurry of out-of-town fraudulent transactions, Wells Fargo has returned only {$320.00} consisting of XXXX transactions in XXXX, but has withheld returning {$320.00} : a {$260.00XXXX XXXX XXXX charge in XXXX and two XXXX charges made in XXXX XXXX, on the same day! 

For their purposes, they should certainly try to figure how some of these fooled their security systems. That is not my job. 

I want my money back in my account now, where it should remained.

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 2021-09-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im behind on payments I asked to pay the amount to reinstate the account and they state they wont until I pay there fees and all the payments they request they wont help a customer with there fees and on top of it they prefer for customers to loos their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have reviewed my credit report and found items that I have on knowledge of. There are inquiries listed that I dont believe I applied credit for.

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 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit 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 received two AMEX virtual gift cards in XXXX, XXXX  each in the amount of {$200.00} and have made several attempts to use them for online purchases. Since none of them would go through and all were declined, I called the customer service department of AMEX at # XXXX for help. I was told that both of the cards had sufficient funds on them and that there were no problems with the cards. When I asked for physical cards to be sent to me instead, I was told that they could not do that. When I asked what other remedy I had, they stated that I just had to keep looking for merchants who would approve the transactions. When I asked to speak to a supervisor, I was transferred to XXXX. She explained that there was nothing they could do, that I had to continue trying to use the cards online, and that they MAY go through, and that they MAY NOT. The reason given has always been that they have added an extra layer of protection and that is why the transactions are being declined, but they do not have any remedy in place for those virtual cards that do not work anywhere, even though they claim they work everywhere AMEX gift cards are taken. XXXX also stated that I could go into physical locations to use the virtual gift cards, but no one will take them because they would have to " key in '' the card number - there is no bar code to scan. So, they take the money, place it on a virtual card, and then the money is unable to be used anywhere -- and their customer service is of no help because they just tell you that there is nothing that they can do. It would be great if they could issue physical cards, but they refuse to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
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 belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXF XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/20XXXX 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 explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with XXXX, Equifax, and XXXX. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
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 accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX 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 explanation
Consumer complaint received 2017-11-12
Company: Experian Information Solutions Inc.
State: IL
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:
Inquiries are study being pulled on my credit report unauthorized, affecting my credit score. Im only being made aware of this because in have a monitoring service. 
Credit check total sends me alerts when someone pulls my credit. On XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX/XXXX/XXXX XXXX Payments XXXX/XXXX/XXXX XXXX who are these people.All these inquiries just constantly every other day. I have a Fraud Alert on my credit file!!!!!! 
And I just submitted a complaint about inquiries last weekend!!!!!

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 2023-02-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the XXXX  time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : CXXXX 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 explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, 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:
inquiries were fraudulently placed on my credit reports from XXXX  XXXX XXXX. my personal information was used fraudulently. the inquiry dates are : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: GA
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 have a Bankruptcy report on my credit report that don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit 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

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 2023-10-10
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated with a XXXX in XXXX. My student loan debt from my profit School is {$190000.00}. My monthly payment is {$1800.00}, my interest for my five loans through Sallie Mae range anywhere from 9 % to 12 %. 
I am XXXX, I dont know what to do. XXXX is refusing to work with me in anyway shape or form with repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I bought a bed on XXXX and chose the affirm option for paying in installments. The order was approved and mailed to me. I went online with affirm to create an account to manage my purchase payments and was unable to do so. It is a glitch that says I am unable to be approved because my credit is frozen, however I already was approved, I have the bed, and I am being billed by affirm. I attempted to pay online but it wouldn't accept any of my payments. I have called over XXXX  times and the people in XXXX just keep telling me that I need to unfreeze my credit. All they do is read off the error messages given online. I have emailed, filed XXXX complaints with the company, and filed a XXXX  complaint. The company just responded to the XXXX  complaint by cutting and pasting help topics in the box. I have concluded that nobody works at this company as I have been wholly unable to talk to a single living person to help a simple technological glitch in their online system. This is why these fake credit companies should not be allowed to exist. They are threatening to report to the credit agencies a late payment when I have done my due diligence to try and make the payment. The owner of this company is a XXXX XXXX  scammed. I spent XXXX  months doing this same XXXX  with XXXX XXXX after committing the horrible crime of changing my address and finally an executive took the XXXX minutes needed to fix my frozen account ( after XXXX rep in XXXX telling me that maybe I should just not move, so I wouldn't have to change the address ). Affirm, I'm waiting. Get your act together. If I had known what a scam this is I would have slept on the floor until my real credit card came in the mail and bought my bed with that. Hopefully a regulatory agency will end this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-02-02
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I have a small business. We do debit transactions, some of which requires cash back. For the last week, weve noticed transactions where the cash back is approved, and it factually hasnt went through. When we verify the transaction, whether with a receipt or looking up the transaction history, the cash back has not been processed. In one case, a customer was approved with insufficient funds. Im handing over money to the customer with false information. Ive been processing with this company for two years, and I dont know how many transactions this has happened on. I do not know how I will get reimbursed on the amounts of transactions this has been happening.

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