BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am victim of scam. I wire transferred {$20000.00} to XXXX XXXX XXXX XXXX acct under false pretenses and fraud. on XX/XX/2022 under the instruction from a scammer. Once I discovered that I was scammed I went to XXXX XXXX to file a claim. XXXX XXXX did nothing and would not assist in recovering my funds. I was told to make a claim with my bank. My bank requested a wire reversal but XXXX XXXX has not reach out to my bank. We are still waiting since XX/XX/XXXX. XXXX XXXX has not responded.The lack of urgency on the Beneficiary bank made in accomplice to the fraud because they failed to protect the victim and they holding an account that is involved in money Laundering. Through my own investigation, I was able to contact XXXX XXXX and he admitted that he received my wire but he took the funds out immediately and transferred the funds to the scammer by purchasing bXXXX. XXXX XXXX has done nothing and has not responded to my bank 's request. Therefore XXXX XXXX has become an accomplice to this action by doing nothing to resolve and not following their zero tolerance Fraud policy. The XXXX XXXX would not let me make claim because I was not a member even through I had all the evidence. XXXX XXXX is indirectly assisting in money laundering and criminal activity keeping this account open and allowing this individual to laundered money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
The refuse to fix the problem. This is not my account and they still have not sent me any documentation verifying what this inaccurate information is. It has been well over 30 days. I will be filing police 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 explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Remove my negative items

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 2022-12-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo XX/XX/2022 {$1500.00} My family stayed at a condo in XXXX XXXX, SC for a vacation. None of the facilities, elevator in the house, or heating worked. There were exposed wires in the ceiling where the ceiling fans should have been. We contacted the resort and they refused to give us anything back. 

I disputed the charge through my bank, Wells Fargo. After providing my information and my conversations with the resort, they closed the dispute and did not give me the money back. They did not provide any support or documentation about the dispute. They have also locked me out of viewing any of that information on my account.

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 2019-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid 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:
A recurring charge was posted on my bill for {$200.00}. This charge came from an email service that was no longer providing an acceptable service for us. I downgraded our service to {$5.00} just to keep our account open and asked the merchant -- XXXX  -- to refund {$190.00}. Since the merchant is not U.S.-based, the only method to contact it was by opening a help ticket on its site. I asked for the refund in the help ticket, but never received a reply. I then disputed the charge on my Capital One bill, but it was denied. When I called Capital One to discuss the denied credit, I was told since I did not have any documentation, it was my word vs. the merchant and even though the merchant never sent Capital One any reply, my dispute was denied. When I emphasized I did not have any documentation since XXXX  never replied to my help ticket, Capital One just stated there was nothing else it could do and tried to settle by crediting me {$100.00} of {$190.00} I disputed. I rejected the settlement. I believe Capital One is acting in bad faith. I have had this card for many years, but that didn't matter to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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 investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-04
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This problem isnt exactly covered under any of the above lists. 
Credit bureaus will offer an early exclusion on some accounts if they qualify. The early exclusion time period varies. When I learned about this I decided I would ask Equifax for an early exclusion. I had to file a dispute in order to ask for the early exclusion but was clear that was all that I wanted. 
My credit score dropped 63 points! This is ridiculous and a dirty trick to stop consumers from opening any kind of dispute. 
Equifax will not give points back when the investigation closes. 
I dont think they should be punishing consumers for filing a dispute or asking for an early exclusion when all of the credit bureaus participate in it. 
Equifax also breaks down your score and tells you what factors affect your score and by what percentage. 
NOWHERE does it state that disputes are calculated into your score but they definitely will take big points away if you file a dispute. 
Where is the transparency? How is this legal? 
I was just expecting a YES or NO answer to my request. There was no need to damage my credit because I asked a question! 
Now my Equifax score is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
My name is XXXX XXXX and on XX/XX/XXXX I borrowed {$5000.00} from SpeedyCash Payday Loans due to unexpected financial hardship. The agreement had a pre-determined scheduled payments of {$260.00} starting in XX/XX/XXXX and ending in XX/XX/XXXX. They automatically deduct {$260.00} from my bank account every other Friday. I have been paying every payment on time and on XX/XX/XXXX I manually paid an additional {$300.00} via Speedycash website www.SpeedyCash.com to at least reduce the never-moving balance. SpeedyCash was scheduled to deduct the {$260.00} payment on Friday XX/XX/XXXX but today is Wed XX/XX/XXXX and SpeedyCash still have not deducted the payment from my bank and the 130.460 % interest rate is being compounded daily. I believe they are retaliating because I made additional payment. I am a victim of gauging and usury. I have every intention to pay off this loan but SpeedyCash does not provide payment/balance history and I have no idea what my balance is. They only provide " payoff '' balance and when I requested balance inquiry in the past they provided me with a copy of the same payment schedule. I have no clue where I stand and they are charging me 130.460 % interest rate DAILY. The {$300.00} additional payment was deducted from my bank but not the {$260.00} regular payment deduction on Fri XX/XX/XXXX. This company is gauging me thru usury by not applying my payment - therefore, I am filing this complaint. I would like to be compensated for ALL the days my payment was not applied on Fridays ( following Mondays instead ) which added much more interest to the principal balance. I am tired of them gauging me. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Affirm Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I recently reviewed my credit and bank account. I was really mad to see that I have been a victim of identity theft. I found accounts That did not belong to me. This has been hurting me and my family on our financial journey please remove these fraudulently open accounts as soon as possible thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/19 someone had transferred me {$31.00} using XXXX. I received an email confirmation from my bank, Bank of America, stating that the funds were transferred to my account, however the funds were not available. I contacted my Bank and was told the funds must have been canceled on the other end and to have the other individual contact their Bank to see why it was canceled. 

I contacted the person who sent me the funds and they contacted their Bank, XXXX. XXXX informed the person that the funds have successfully transferred and is out of their hands. I then contacted Bank of America to check their system again for the transfer, and again, they told me they never received it and suggested the person who sent it to file a Reg E claims with their Bank.

The person filed a Reg E claims and re-sent me the funds for {$30.00} since they were provided a temporary credit for the funds. I successfully received that transfer. A couple of weeks later, the person was informed their Reg E claim was denied and the temporary funds were removed from their account. We both ended up contacting XXXX, and they informed us that they are only the transferring party and they do not handle situation such as this and referred us to resolve the issue with our Banks. 

It has been over 5 months and we have no idea where the funds is. Although this is not a massive amount of money and the loss minimal, I still believe the Banks or XXXX should be able to properly trace the transfer and find out what really happened. Nowadays, I use XXXX and other transferring service quite often and I would hate for this to happen again.

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 2023-06-05
Company: EQUIFAX, 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:
I'm " XXXX XXXX, '' and I value you setting aside some efforts to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. This account needs to correct immediately : XXXX XXXXXXXX XXXX  XXXX XXXX : {$310.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I called JP Morgan Chase and spoke to XXXX XXXX about applying for a mortgage on a condo as a second home. The mortgage was for {$60000.00} for a {$430000.00} condo with a down payment of {$370000.00}. On XX/XX/2021, I received a letter of a Conditional Approval for a {$60000.00}, 15 year fixed loan at 2.875 % with a LTV of 14 %. I was asked to provide additional documents and I submitted all requested documents. On XX/XX/2021. I signed a credit inquiry request. On XX/XX/2021, I received a rate lock letter confirming the loan amount and rate as stated above. On XX/XX/2021, I received another revised loan agreement with all the same information above. The appraisal confirmed the value of the condo. My attorney and the bank 's attorney set the closing date for Friday, XX/XX/XXXX a t XXXX am. All was set to close. On the afternoon of XX/XX/XXXX, XXXX XXXX called to tell me the loan amount was too low and that Chase could not make money on the loan. If I wanted to proceed with the loan, I would need to raise the mortgage amount to {$180000.00} with a 15 year fixed term at 3.25 %. This was on a recorded line. XXXX said that the loan did not meet the NY XXXX XXXX XXXX XXXX. I complained and said I would file a complaint. But I needed the loan and had no choice. I agreed to the {$180000.00} loan. I received the revised Chase closing letter on XX/XX/2021 in the morning. On the afternoon of XX/XX/2021, XXXX XXXX called me to tell me the loan was declined and my loan application was closed. I asked for an explanation and he said he did not have an explanation. I still do not have an explanation. The loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Company: EQUIFAX, INC.
State: IL
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 writing about an entry listed on my credit report which I have tried numerous times to have removed. Apparently someone with a similar name to mine filed a bankruptcy in XXXX, KS and it appeared on my credit report. I filed several disputes with Transunion. Unfortunately it came back verified and is still listed on my credit report. Frustrated I contacted the Bankruptcy court and they informed me that they do not provide credit bureaus or 3rd parties with any Bankruptcy information. As you well know it is a violation of the Fair Credit Reporting act to report erroneous information on a credit report. I ask that it is removed 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 2023-11-01
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX  : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX According XXXXo 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 alleged identity theft, not later than XXXX 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 2021-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mail is frequently lost when coming to my physical address, so I always ask companies who are invoicing me to use a po box I maintain. I have repeatedly checked the box on my Wells Fargo payment coupons for a change of address request and completed the backside to ask for future statements to be sent to this po box , however, after several months of servicing the loan and my repeated attempts to request the change of address, Wells Fargo 's staff fails to have the attention to detail necessary to look at their own form and make this change. I have even circled the box in XXXX and wrote in giant letters " Please actually change it this time, '' and still, they neglect to make the update - at this point, it seems deliberate.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: ND
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:
There is a fraud social security number on my credit report and unauthorized accounts opened and unauthorized 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 explanation
Consumer complaint received 2023-01-04
Company: BANK OF THE WEST
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of the West promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called to their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to upper level but till today XX/XX/2023, I didnt receive this money.

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