BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2021-09-13
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received an email appearing to be from XXXX XXXX, my contact for one of our vendors, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX email is XXXX. For several months, we have sent bill payments to XXXX by ACH transfer, based on information provided by XXXX. The email I received XX/XX/XXXX included prior legitimate emails between XXXX and me in what appeared to be a continuation email to me in that stream but using the email address XXXX ( extra XXXX after construction ). The fake sender informed me that a new bank account should be used for the next ( and future ) payments to XXXX. The sender provided the new bank information by entering it directly on the ACH form that we use for our company account at XXXX XXXX XXXX. A payment of {$75000.00} was due to XXXX at the time, so I used/submitted the ACH form ( w/scammer 's bank info as recipient ) to transfer funds immediately thereafter. 



The forged bank information was discovered XX/XX/XXXX when XXXX XXXX sent a copy of their latest bill and informed me that no payment had been received for their prior bill. I informed XXXX of the modified bank information that had been entered on the ACH form, and she confirmed that she did not provide that information and that their bank account had not changed. I immediately alerted XXXX XXXX, my contact at XXXX XXXX XXXX, of the circumstance and provided a copy of the ACH form that had been submitted previously with the forged account information ( PNC Bank, Routing No.XXXX, Checking Account No. XXXX in the name of XXXX XXXX XXXX ) XXXX XXXX XXXX at XXXX XXXX XXXX contacted PNC regarding the improper transfer, but PNC would not speak with her regarding this matter because " she is not their customer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today XXXX I went to my local Atm to withdraw money to pay so bills and it said call the bank. So I said what and I looked at my emails and say that my deposit hit the bank and called them. They said cause they had unusual activity and it was a purchase at XXXX drive thru. I said for that you shut down the card for XXXX cents when I have XXXX in the account and that purchase was four days ago. They said they unlocked my card so I hung up went to atm and it still wasn't working. So I called back again they said you at atm try I did still nothing and we is that 5 times cause agent on phone said that to me so I did.then I was transferred to a supervisor and she wasn't nice said well we need you to go to bank and verify your identity again I said again. So I was driving there and just checked the online app again and it wasn't working so I called bank of America and they said we closed your account I said why and where my money they said they did it cause of business and my money will be mailed after they are done. That was my rent it can be 6 to 8 weeks they said I can t afford that I am not rich and I need it back they hung up on me I called back and they said not there problem.thank you 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 monetary relief
Consumer complaint received 2019-12-10
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
They do not answer when you call and this game of phn tag gone on too long. Asked for phn appt and being denied by this XXXX a mgr at above number. They will not reverse charges on a fraudulent merchant I dealt with an atty who was hired to do a job and he failed to do it and I had to hire another atty and just did yesterday. Need original atty charges charged back to 1st atty so can pay new atty to do the work that 1st atty admitted needed done but he failed to do it in 2 mths of charges. I gave him enuf time to do the work and all work now is getting redone..Need to dispute original {$5000.00} CHARGE AND 2ND CHARGE OF {$6600.00} ... ALL IS GETTING REDONE BY ATTY XXXX XXXX CHARGED YESTERDAY ON THIS CARD.YOU MAY CONTACT THEM TO SEE ITS REDOING WORK ON A CHILD CUSTODY CASE.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There are some hard inquiries on my account which i never ever applied for i never run any loan or any credit card or anything with th creditors and they still put hard inquiries on my credit report i dont know why but the best explanation i can think of is someone else would have run my social to get anything which results in this please look after on the hard inquiries please.

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 2019-12-10
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mortgage Loan on my Primary Residence. After changing many hands over the years, it is currently being serviced by Selene Finance. I fell behind on Mortgage payments, for various reasons, chief among them being our Business downturn since XXXX and my XXXX   XXXX XXXX and poor health. I have submitted several Loan Modification Packages over the years. The last of such packages was submitted to Selene Finance on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I recieved a loan consolidation advertisement from XXXX XXXX XXXX thru the us mail. When I called it turned out to be fredon debt relief. The salesmen took my info and told me that I should stop making payments to the cc companies and instead make monthly payments to a dedicated account. He assured me that fdr would negotiate with the cc companies and I would be debt free XX/XX/2019. I was told that a lawyer was not necessary but if needed I should use XXXX I like an XXXX drank the cool aid. 

After two of the cc companies were in settlement the third filed a court case against me. When I contacted fdr I was put in contact with a lawyer from XXXX   who informed me that I would need to make two balloon payments of {$5000.00} and increase my monthly dedicated account payments by over 50 % for the next 20 months. From what I can tell from their dashboard the reason for the increase in deposits was to pay their fees. 

When I objected to these terms with a XXXX lawyer I was told to contact fdr. When I contacted fdr I was told to contact XXXX. One of the XXXX lawyers even told me that due to the size of the debt the bank involved will not negotiate with fdr. The lawyer  for the bank even called me and said I would need a lawyer. 

The lawyer for XXXX told me that I needed to sign an agreement, that my only other option was bankruptcy. When I offered to pay at once instead of a structured settlement I was told I would be paying the same amount. I was never made aware of the ramifications associated with signing. 

I ran into money problems in XX/XX/2019 and was not able to make the second to last payment of the agreement on time. In XX/XX/2019 I contacted XXXX and a lawyer told me I should contact fdr. When I contacted fdr I was under the impression that it would not be a problem. At no time was I told that missing the payment would void the agreement nor was I given any other options on paying. 

When I called an XXXX lawyer for clarity on the matter he told me to contact fdr and laughed at my perdicement. I am being told that the payment plan was voided after the XXXX payment was skipped yet payments for XXXX & XXXX were processed. The XXXX payment was skipped by fdr so they could collect the last of their fees leaving the account short funds to make the final payment to settle the account. w Every time I emailed fdr on this matter I was pretty much told to call their 800 # to speak to a representative.Unfortunitly thats what got me in trouble in the first place. When I ask about what they have done to settle the account I get no answer. When I ask if they contacted the creditor in XX/XX/2019 concerning a late payment I get no answer. When I ask why I was not alerted to the fact that they were going to collect their fees instead of paying my creditor I get no answerXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-15
Company: SYNCHRONY FINANCIAL
State: NJ
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:
XX/XX/2021 amount of {$890.00} in flight flees that I didnt authorize. The airline said they would reimburse me but PayPal is still trying to get me to pay the balance of something I didnt use. Ive been in an open dispute with PayPal and Im afraid that if this dispute isnt handled then it will affect 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 monetary relief
Consumer complaint received 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit balance on the account in the amount of {$79.00}. Contacted Capital One customer service on XX/XX/2021, spoke to an alleged supervisor named XXXX who was downright rude and unprofessional. The recorded phone call will show that I conducted myself appropriately and with manners. Of course, the reply from the bank will be a standard boiler plate " we are sorry '' letter. I am positive that the appropriate coaching and follow up will be completed. Needless to say, Capital One has archaic policies in which they do not refund credit balances back to the registered bank account on file. Rather, the refund is sent through the US mail, which as you know, is having many disruptions as reported in the news.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: GA
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 DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002- I AM THE NATURAL PERSON WHICH MEANS THE NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 15 USC 1692a ( 1 ). XXXX, XXXX, XXXX and XXXX have assumed the role to be bureaus ; however, Consumer Financial Protection Bureau is the only true bureau. This company does not have prior consent granted from the consumer to communicate with a consumer in connection with the collection of any debt as stated in 15 USC 1692c ( a ). XXXX XXXX has violated and threatened my rights to privacy by furnishing information through different mediums of communication. This company has failed to provide documentary evidence in request to investigative the consumer report in accordance with 15 USC 1681a ( e ). Such information on the consumer report shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. This company should be held liable for damage to my reputation and the account should be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: OH
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:
Chase indicated that they had no information on the opening of the account the emails I received had the last 4 digits of the card and I was told there was no such card. I would like to get the hard inquiry off of my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells fargo sent me a letter of a dispute I filed saying they are going to be reversing the dispute and taking out the funds but the letter they sent were two and one of the dispute was closed and fine and the other said they will reverse the funds but the dispute is for the same exact 2

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 2023-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting 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:
Im not getting the right updates and information about my credit score activities, and alerts that I asked about credit wise Tell I downloaded XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a pay day loan with XXXX in XX/XX/XXXX, for the amount of {$800.00}. The interest of the loan is 490 % These are the payments I have made thus far ( automatic payments made from my checking account ) : XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} Total amount : {$1300.00} I have checked their online website and there is no record of payments made. Also it does not show the amount getting lower. 

I feel the terms were misleading and I have paid the sufficient amount to cover the interest and initial amount {$800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: ASSOCIATED BANC-CORP
State: WI
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:
I have a checking account with Associated Bank that received fraudulent charges last year that cleared my account overnight. 
I filed disputes and followed all instructions. They have only returned 2 transaction barely totaling {$50.00}. $ XXXX was taken. I contacted the companies, they see they charges were made under different account from all over the country and I am not the holder of any of those accounts so they can not reverse the charge. They said the bank has to contact them. XXXX has evidence of the person who committed the fraud but can only release the information to my bank. My bank has never contacted XXXX. XXXX hub states they still have not heard from Associated bank. 

Today I wanted to complain and they froze my account to review!! I have no access to my money for asking for an update on money I'm owed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX, SC 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