BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
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:
Issue with wells fargo been a customer from 2006 to present time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Carvana Group, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I sent a letter to XXXX XXXX demanding my {$1000.00} down payment back on XX/XX/2022. I sent this letter certified with USPS tracking numbers XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I looked for someone to sublease my apartment on XXXX. A girl named XXXX XXXX on XXXX messenger contacted me through messenger saying that she wants to rent the apartment and would like to send a check to me to secure the apartment. The rent of apartment is only XXXX but she sent me XXXX instead and said that the remaining of money is for other expense. I deposited the check into my bank account and it appeared in my bank account. Few days later she told me that her father passed away so she needed the money back for the medical bills. I made two transactions through XXXX in Bank of America mobile app. The first one was XXXX USD and the second one was XXXX XXXX. Few days later she sent me another XXXX check as payback. She then told me that she needed another XXXX USD again for her father 's medial expense so I sent it back again. I then checked my banking account and discovered that the previous check that I recieved got returned and is no longer valid which I found out that I was scammed. In total, I was scammed XXXX+XXXX+XXXX=XXXX  USD and the payments were made through XXXX in Bank of America mobile app . I really need my money back and thats all I ask for. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2017-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I use a app called  XXXX . Where I can pay myself early then it comes out of my check when I get paid again.  X/XX/2017    I was paid. It 's my bank, Bank of America that is the issue. They are not sending  XXXX  my recent transactions. I have already sent  XXXX  my timesheet, that was yesterday  XX/XX/XXXX   . Once I send them my time sheet then they let me take out {$100.00}. But for some reason Bank of America is not sending them my information in a timely manner, which is causing delay for my money being put into 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 2020-07-28
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOUTHWEST CREDIT SYSTEMS, is violating FCRA statutes FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] and 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020, I opened a " Money '' account with SoFi. The " Cash Back Terms '' for this account said, " For each eligible transaction made within 60 days of the date your new SoFi Money Account is opened, SoFi will credit your account for an amount equal to 5 % of each eligible purchase, up to a maximum of {$100.00} during the Promotion Period. '' By XX/XX/2020 ( well within the 60-day limit ), I had made more than {$2000.00} of eligible purchases, meaning that I should receive {$100.00} cash back. SoFi has never credited my account with any cash back ( see account history ). 

On XX/XX/2020, XX/XX/2020, and XX/XX/2020, I chatted with SoFi to try to resolve this issue ( see various transcripts ). On XX/XX/2020, I was told that I met all the requirements for the {$100.00} cash back, and each time I was told that SoFi was working on the problem and that it would be resolved in 10 business days ( after XX/XX/2020 ) or 3-5 business days ( after XX/XX/2020 ). But even after all of these communications, SoFi has still not credited my account with the {$100.00} cash back. 

I am uploading the terms of the account ( XXXX Sign Up Earn 5 % Cash Back SoFi XXXX ) ; chat transcripts from XX/XX/2020, XX/XX/2020, and XX/XX/2020 ; an email showing that a ticket was created on XX/XX/2020 ; and an account history showing all transactions on the account to date ( XXXX Account History SoFi - XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account name and account numbers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account number XXXX Bank Account number XXXX, XXXX Account number XXXX, XXXX Account number Account number XXXX, XXXX and XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, have violated my rights. 
15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A section2 also states that a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Wells Fargo account was compromised and they will not refund me for the transactions

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 2020-10-30
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, XXXX XXXX filed a collection bill with Sequium Asset Solutions. The collection for {$460.00} showed up on my credit report on XX/XX/2020 and my score significantly dropped. Since I have never opened up an account with XXXX XXXX, I was concerned. After making a few phone calls, it appears that XXXX opened the account without a social security number. Since I have a very common name, and lived in the general vicinity of the person who accrued this debt, Sequium associated the debt with me somehow. We do not share the same middle name or any address, so I'm not sure how it appeared on my credit report. I have filed investigations with XXXX and Sequium, but this is completely out of their scope. I suffer because they did not find or attempt to contact the original person in debt to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my student loans were on an income driven repayment plan which required me to have a XXXX payment.. once covid came loans in forbearance due to the government putting payments on hold. The lender reported for a total of 16 months that every month i was late. I tried contacting them and letting them know my loan was on an income based repayment plan and also the forbearance the government provided was in place during the time they were reporting my loan as past due. i have given them 2 months to report the mistake to the credit bureaus but they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
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: Account status incorrect

Complaint:
Please remove this account from my credit report XXXX XXXX  XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the 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 2020-06-02
Company: EQUIFAX, INC.
State: IA
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 have 3 accounts with XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. This company has pulled hard inquiries on two of my accounts which seriously damaged my score and I did not give permission to do a check. I have had these cards for about 2 years. Always made my payments on time I. I called them and all they could tell me is Im sorry there is nothing we can do your accounts have been closed. And when I escalated it to a supervisor I was put on hold for approx. 15 minuets and then they dropped the call. I asked why would you do a credit check on a good standing already active account, and I got a Im sorry! I stated that should I get an attorney for this and thats when I was put on hold for a supervisor and got hung up on. 

There is also one other card I opened with XXXX for XXXX XXXX dollars I activated it but did not use it. They closed that as well before these two accounts So what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have fraudulent accounts on my credit profile that need to be 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 non-monetary relief
Consumer complaint received 2017-06-18
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my ATM card and PIN number. Now, because the thief used my card in the vicinity of where I live and possibly at a merchant I 've visited in the past, they say I 'm responsible. I have no control over what a thief does with my stolen card. 
U.S. Bank did n't even research my claim. They just brushed it off and denied my claim!

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isXXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO XXXX. I also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
THERE IS INCORRECT PERSONAL INFORMATION LISTED ON MY CREDIT REPORT. 

My name is XXXX XXXX XXXX. Please remove these incorrect variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, 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 2020-01-24
Company: Experian Information Solutions Inc.
State: MA
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 is a complaint about my payments to XXXX XXXX XXXX XXXX in XXXX MA. At the end of the year they went back and applied all my payments that were only a couple weeks late to my upcoming payment, making it look like I had missed my XXXX payments. I have checks with dates and withdrawal dates that prove I paid them all within 30 days. Late payments should not be reported to credit bureau unless > 30 days late. So for example my payment is due on the XXXX of every month. In XXXX. My check was sent XX/XX/XXXX and was cashed XX/XX/19. Then in XXXX I sent it 2 weeks late and they didnt cash it until XX/XX/19. But that is still within the 30 days. They applied this payment to my XXXX bill early and reported to credit that I missed my XXXX payment. UNACCEPTABLE. I have never missed a XXXX dollar payment since I got the loan 3 years ago. This dropped my credit score 100 points right as Im about to start applying for mortgages!!!!

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 2022-12-13
Company: Comerica
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have card service direct from the federal treasury with direct express brought to my home electronics which are registered correctly for the card service. But, my full card features including card to card transfers are not unlocked. But, are needed my me to make and transfer payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Bread Financial Holdings, Inc.
State: MO
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 DO NOT KNOW WHO THESE ACCOUNTS ARE : COMENITY BANK {$3300.00} XX/XX/XXXXXXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX {$2800.00}XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$980.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the last 2 years, it has become next to impossible to obtain any detailed information regarding my loan. 

I have been instructed by customer service to not go by the Navient.com Loan Details web page, as it isn't up to date. When I request a detailed breakdown, they state that they are not allowed to provide that information. 

In XX/XX/XXXX I reapplied for Income Based payments, I listened to the terms & conditions and pressed pound to accept. I come to find out in late XX/XX/XXXX that the payment plan was never set up by an employee error & I was several months past due. 

This has happened multiple times, I am in a automatic debit withdrawal program, yet the interest fluctuates or money is misapplied to the loan. 

All the while- I haven't received any correspondence or breakdown. 

I have to check my credit report every few days, to see if my loan amounts are up to date. 

Today, XX/XX/XXXX, I run my credit report & my student loans have gone up {$47.00}. Yet, I made my scheduled payment on XX/XX/XXXX, with the next one scheduled for XX/XX/XXXX. 

Overall : 1 ) The principal amount is wrong 2 ) The interest calculated is wrong 3 ) The company refuses to provide a detailed explanation of the amount 4 ) The company charged interest and penalties while I was enrolled in school full time.

5 ) The company refuses to provide an address to a written dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a fraudulent charge affidavit with XXXX credit card company and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the credit reporting agency 's Experian, XXXX, XXXX and they failed to investigate and remove the negative item from my consumer 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 2023-01-14
Company: EQUIFAX, INC.
State: NC
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation