BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX  ) by this person from XXXX ( XXXX XXXX XXXX? XXXX ). I Deposited money with international money transfers apps ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : //www.facebook.com/baohannguyen.helia. Please help me, what should I do to get my funds back. Should I go and report this fraud to my bank in order to get my funds back or hire somebody from a website like XXXX XXXX XXXX XXXX XXXX Can they be trusted?

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 2023-02-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXXXX XX/XX/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 2020-09-15
Company: EQUIFAX, 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:
This is a complaint of race and age discrimination. 
More than 6 years ago I led a picket outside a XXXX XXXX XXXX here in XXXX, Texas for race discrimination regarding lack of XXXX XXXX models ' pictures on display in the XXXX XXXX location. Our pressures eventually led to that location 's closing. Not long afterwards I began receiving from XXXX XXXX XXXX XXXX notice of the reduction in my credit card limit. It occurred again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently turned XXXX on XX/XX/XXXX, and XXXX XXXX XXXX is fully aware because birthday discount sent. When I contacted XXXX XXXX XXXX customer service today, XXXX XXXX, XXXX at XXXX XXXX. I spoke to XXXX and asked who determined the need to constantly reduce my credit limit and he said it was there at XXXX XXXX XXXX. I reminded him of no problems making monthly payments so why the reductions? He said that every 90 days credit bureaus provide XXXX XXXX XXXX information. Considering overwhelming fraud at every turn, I asked why no one at XXXX XXXX XXXX had contacted me directly since this reduction was a regular situation? He could not answer and said he could re-send those same reduction letters to me. I feel strongly I am discriminated against due to my nationality and now age ; denied due process because XXXX XXXX XXXX never cared to contact me to hear my position and take corrective action not to my detriment. Complaints on credit bureaus have gone unaddressed and fraudulent activity on my credit history reflected in generalities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Between the years of XXXX, I worked as a XXXX XXXX XXXX in XXXX XXXX XXXX. This employment qualifies me for deferment and cancellation of the XXXX XXXX I received as part of my graduate school financial aid package through the University XXXX XXXX XXXX  For almost every year that I taught in this qualifying position XXXX XXXX XXXX XXXX XXXX ECSI XXXXXXXX has found one convoluted reason after another to reject my application for either deferment ( beginning of the school year ) or cancellation ( at the end of the school year. ) I have had zero issues with the XXXX XXXXXXXX XXXX XXXX XXXX which, in theory, works the same way. For example, one year they ( ECSI XXXXXXXX ) rejected my application because the school district checked boxes saying I XXXX in a XXXX XXXX  ( true ) and at a XXXX XXXX XXXXl ( true ), but according to the company they were only allowed to choose XXXX option ( though both qualified me for the forgiveness program ). Most recently they have sent my loan to collections because I signed my forgiveness form with a digital signature ( which they had previously accepted and now suddenly accept again ). I have sent in the corrected paperwork, however, the company refuses to reinstate and cancel my loan. As I have fulfilled my obligation to XXXX  in a XXXX XXXX  XXXX XXXX XXXX  ) in XXXX XXXX XXXX for five years, I believe that predatory lending practices on the part of ECSI XXXX are the only explanation for the situation I am now in. As a result of their malfeasance, I am not able to consolidate my other student loans for income-based repayment and PSLF because I do not want the XXXX Loan ( which is supposed to be canceled ) to be a part of that consolidation. ECSI XXXX needs to restore my loan and honor the cancellation I have rightfully earned. They also need to be prevented from preying on other lenders. I am attaching the form I originally sent during the XXXX school year that was rejected. ECSI has failed to even acknowledge the second form I mailed to them at the end of the XXXX year for cancellation. Unfortunately, I can not currently locate my own copy of this document, but I am confident my school district will again verify the completion of my contract at the end of the XXXX school year. It is, in fact, VERY EASY to verify that I have fulfilled my 5-year XXXX requirement. They are intentionally and obstinately ruining my life. Thank you for your help in resolving this distressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is a closed account which has been discharged under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. Please have my credit reporting with the accurate accounts. Have all the derogatories off my credit file.

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 2023-06-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I NOTICED THIS DEBT ON MY CREDIT FILE. I PROVIDED POLICE REPORTS, FTC AFFADAVIT NOTARIZED, AND ALL IDENTIFYING INFORMATION TO PROVE THAT DEBT IS NOT MINE AND EQUIFAX HAS REFUSED TO REMOVE OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX I had my air conditioning ducts replaced and financed the project with Wells Fargo. There was a promotional financing promotion, no interest if balance paid before expiration of special financing term. I had a second project with the same vendor for the installation of a faulty thermostat - also with the promotional financing. 

I made timely payments every month and was set to pay the entire balance prior to the special financing expiration date, which I believed to be XX/XX/XXXX. 

When making my payment this month, I noticed the balance had increased by about {$950.00} dollars. I looked at my statement and saw a charge for interest. I looked again at my statement and it looks like both special terms where set to end in XX/XX/XXXX or XX/XX/XXXX. The print is so small and unclear, that apparently the XX/XX/XXXX due date was actually XX/XX/XXXX. 

I contacted the bank and advised that I was planning on paying the entire balance, requesting they reverse the {$950.00} in interest in light of the fact the it had not even been 30 days since the promotional financing expired. 

They refused. The font on the statement is so small and the numbers and dates look exactly the same. 

Considering I made all my payments timely and paid more than the minimum due, and was offering to pay the entire balance immediately, to charge {$950.00} dollars in interest is outrageous.

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 2017-10-04
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I instructed XXXX to close a XXXX account in XXXX. They billed a membership fee on XXXX XXXX of {$95.00}. They have been notified XXXX or XXXX times by their " XXXX XXXX '' and in writing to cancel this account. They have failed to respond and are now charging interest on a " late payment ''. I have paid all proper charges and should have a XXXX  balance.

Company response to consumer: Closed with monetary relief
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: IN
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 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 2022-01-12
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX transferred me to XXXX XXXX  telling me that they were XXXX XXXX XXXX. I then provided private information to XXXX XXXX  with the understanding that they were XXXX XXXX XXXX XXXX I was later told on the phone that I was not actually speaking to XXXX XXXX XXXX anymore and the rep was actually with XXXX 

They transferred me to another company to which I unkowningly provided private information. This is not OK!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, 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: 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I did not request any kind of fraud alerts on either of the credit reporting agencies and I'm demanding that any and all fraud alerts be removed immediately from my credit data, name, and 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 2023-08-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern regarding your practices in validating debts that are not associated with my credit report. It has come to my attention that several collections accounts have been added to my credit report without proper validation, despite my repeated attempts to rectify this issue. 

I have made numerous requests to have these debts reviewed and validated, providing supporting documentation that clearly demonstrates that these accounts are not mine. However, I have consistently faced refusal from your organization to conduct a thorough investigation into these discrepancies. 

Furthermore, I am deeply troubled by the fact that the same unverified information continues to be included in my credit report, negatively impacting my creditworthiness and reputation. This not only violates my rights as a consumer but also undermines the integrity of the credit reporting system. 

I demand that you immediately cease reporting these unverified debts on my credit report and take immediate action to rectify this situation. It is crucial that you conduct a comprehensive review of the information provided and remove any inaccuracies without delay. 

I also insist that you provide me with a detailed explanation of the steps you will be taking to address this issue and prevent similar incidents from occurring in the future. Additionally, I request a written confirmation of the actions taken to correct my credit report. 

Please be aware that I am prepared to pursue all available legal remedies, including filing a complaint with the appropriate regulatory authorities if necessary, to ensure that my rights as a consumer are protected and that my credit report reflects accurate and verified information. 

I expect a prompt response to this complaint, including a timeline for resolving this matter satisfactorily. Failure to address this issue adequately will leave me with no choice but to escalate my concerns further. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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:
Just pulled up my credit report and still a lot of negative accounts on my name. Why you keep posting this information, its not mine. I m sure that someone have my personal information. I dont understand how I can delete those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
IM REACHING OUT And regards A IMPORTANT MATTER I Recently Applied For A Business Account In Got Denied Because I Notice that I Am in XXXX & XXXX XXXX XXXX, I WOULD LOVE to Explain What REALLY Happen To My Account. Ok I Did Work For A Former client & She Paid Me in A form of Payment method of A Money Order so I Deposit It To my Bank of America Checking Account Not aware That The Money order Was Mobile deposit In A Another Institution So Bank of America mark That The Money Order Was Fake In Close Out My Account Out I Was Not Aware That the Money Order was already deposit To Later On Because I made several call Around. SO Im Asking For your help!

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 2019-07-27
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Lets Start from XX/XX/XXXX and XX/XX/2019 Synchrony Bank Store Fraud opened they stated when i got alerts from the credit bureaus XXXX XXXX XXXX, I advised them XX/XX/1019 to Remove the accounts and inquiries Because they stated it was fraud, Now they want to turn the tables on me because XX/XX/2019 I was advised by Synchrony Ref # XXXX to contact credit bureau to have them removed, Called XX/XX/XXXX. XXXX and XXXX The agency said synchrony bank can call and have these accounts removed and the inquries amd XXXX said that was not right for them to tell me that I immediately emailed ceo XXXX XXXX, XX/XX/XXXX Spoke to XXXX from Sync sge said she couldnt verify or access the account i asked for a sup she passed to Acct Manager XXXX. No Help Talked to XXXX @ Syncrony XXXX. I advised them to remove it since they cant talk or verify the account Its Fraudelent to do this on my social.XX/XX/2019 SPOKE TO XXXX She said Transfered Me To XXXX She stated She would Remove not Close thats two diffrent verbiage.XXXX said she would Flag anything from sync bank and have it removed. XXXX XX/XX/2019 Customer Relations XXXX XX/XX/2019 She said she will close tge accounts thats the only way she stated I said remove them and asked her will closing them hurt my score She Said No!!!! XXXX stated it was a fraud on my account because of Synchrony Bank XX/XX/2019 Score XXXX points taken sync bank rooms to go ashley furniture   XX/XX/2019 54 points removed because per there request the closed them, XX/XX/XXXX XXXX from corporate called my voicemail system instead of calling direct just so she can say she contacted me for thete records I immediately called her back the whole week no response.

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