BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
This started XX/XX/2023, some mobile deposits were made not by me, and they were fraudulent checks. Then withdrawals were made using XXXX XXXX which I don't have I don't even know what that is, and XXXX. I tried and tried, I spoke to the fraud department was told, I needed disputes so I talked to them. I was told that I did this, and took the money. I didn't do this. I wouldn't do this when XXXX weeks later our social Security was going to be deposited. I just want what is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted All ( CREDITOR BELOW ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
XXXX XXXX XXXX XXXX XXXX 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 these are not mine. They are not factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion illegally refuses to allow people to submit disputes by fraudulently conspiring to say they are sending an authentication email but never actually sending that email. This is a twisted conspiracy to willfully break federal law.

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 2023-07-07
Company: Chime Financial Inc
State: OK
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:
Money was stolen from my account while I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the bank is saying no error occured. I obviously had not done these charges I was XXXX XXXX XXXX in the hospital XXXX. I've sent documents to them showing I was in the hospital and all the times whoever took my money used many devices and changed the pin multiple times etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed several times on the information of the bankruptcy appearing twice on my report when my wife and i only filed once XX/XX/XXXX ... my wife is now deceased as of 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 non-monetary relief
Consumer complaint received 2017-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I originally noticed the fraudulent ATM withdrawals and debit card charges on my Wells Fargo online account on my wedding day ( XX/XX/XXXX ) while in XXXX. In total, 11 fraudulent charges had taken place between XX/XX/XXXX and XX/XX/XXXX, totaling {$1400.00}. Prior to leaving for XXXX, I had notified Wells Fargo that I would be out of the country so that they could authorize my card being used internationally. I was very surprised to see that many charges had taken place in the United States, granted that Wells Fargo should have marked my account as being out of the country. Once I noticed that charges were being made, I immediately called Wells Fargo to figure out what had happened, file a claim, and deactivate my debit card. 

After a few weeks, I was shocked to receive a letter in the mail from Wells Fargo, telling me that their investigation concluded that me or someone I know made the charges. It seemed just so obvious that the charges were not me since I was not even in the country. The claims specialist advised me that I would need to file a police report in order to open the case. 

After filing the police report, I re-opened my claim with Wells Fargo, this time sending them additional evidence including my marriage certificate ( dated XX/XX/XXXX that indicated the location being XXXX, XXXX ) and my flight confirmation that showed the date of departure as XX/XX/XXXX and return as XX/XX/XXXX. Again, all of the fraudulent charges occurred within those dates. 

A few weeks past and I thought this ordeal was finally over when I received a letter from Wells Fargo in the mail. Again, to my surprise, they were denying my claim. 

Since then, I have been to the Wells Fargo branch office and requested pictures from the ATM of the individual who was withdrawing funds from my account. It turns out that Wells Fargo is trying to claim that the man in the pictures is my husband ( who I was literally in XXXX with during all these charges, getting married to ). In addition, my husband is XXXX XXXX with a XXXX XXXX XXXX and the man in the pictures is very clearly XXXX. 

At this point, I do n't know what else to do because it feels like I have so much evidence and support that this was fraud, but it seems like Wells Fargo just wo n't listen. Although {$1400.00} may not be a lot of money for some people, it is a lot for me and it feels like Wells Fargo is now the " person '' stealing from me. 

I have attached my two bank statements that indicate which charges are fraud, along with my marriage certificate, and flight confirmation. I have also included the police report I filed, pictures from mine and XXXX wedding day, XXXX ID, and two pictures that show the man at the ATM withdrawing money from 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 monetary relief
Consumer complaint received 2018-03-08
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector, XXXX XXXX , XXXX notified me at the end of XX/XX/XXXX that they were going to intiate a wage garnishment on me for failure to pay the debt. They informed me in a letter that I had the right to request a hearing that would be considered before a hearing official. The collector stated that if I requested the hearing within 15 days of receiving the notice that no further action would occur until a decision is made by the hearing official. I wrote back to the collector and filed out the form they sent me to request the hearing. My request was received by them within the 15 day time limit. In XXXX I obtained a lawyer to represent me in the matter. When my lawyer contact the collector by phone they told him that the hearing had already occurred and that they called me. However, I never received any notice of such hearing nor was I ever informed of the date of time of the hearing. I have since written a letter asking the collector why I was never informed of when my hearing would be and my lawyer at the time was never notified. Now I have received statements showing that more interest charges are being added to the debt. I have not been afforded my legal rights as they represented to me in writing and now the collector is making it appear that I did not show for my hearing when I was never notified of the hearing. I would like this investigated because as far as I am concerned the collector did misrepresented themselves and the who fact of my right to request a hearing. I feel that this collector is in violation of my consumer protection rights.

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 2017-12-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I first discovered I was a victim of ID theft after my wife XXXX XXXX 8 years ago. I filed a police report, and went to court, and have been fighting all 3 of the major credit bureaus since. XXXX and XXXX have cleared the negative items from my files with them. Equifax refuses to talk with me, every time I call I get transferred 2 or 3 times and end up with a special department called consumer affairs, office of the president. 
I never get respect, i never get results. The items i have gotten removed, did not come from equifax 's help, it was in spite of them. Their investigations are ridiculously deficient, they do not ask for internal documents of the company, to see what original information was in these fraud accounts, they allow the companies to change information to match my information today, not when the account was fraudulently opened. The FCRA section 605B, is very clear on what i as a consumer need to do, 4 parts for me, and then, how the credit bureaus are to act after they get the 4 parts from me. 
Equifax has never acted according to the law, they in fact break the law. 
I have submitted proof of my identity, a copy of the ID theft report, i named and identified the fraud items and made the statement i did not open the fraud accounts nor derive any benefits from them. 
I am providing all 4 parts to the CFPB again, to turn over to EQUIFAX, and see if they block these accounts according to the law already named in 4 business days or less, or break the law as they have in the past with lies and their own illegal policies that are against the law. 
I am hoping the CFPB can make equifax obey the law or suffer penalties. 
Do not allow them to claim my police report is out of date, the law DOES NOT require any dates in the ID theft report. The report can be 30 years old and be valid to use today, because you are still a victim and no new report be filed. 
The law, section 605B of the FCRA, allows a credit reporting agency to ADD BACK INFORMATION AFTER THEY BLOCK IT FIRST IN 4 BUSINESS DAYS OR LESS, if they find i provided materially false info to get the block, or that i did open the account in reality, not their thinking it. 
Demand equifax to block all this fraud info in 4 days or less, or suffer penalties for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received 2 alerts from my credit monitoring ( Credit Wise ) that a " New Account '' was created through Bank of America. I attempted to call and email the Fraud dept but have yet to receive any callback or emails. I was recently a victim of fraud late last year ( XXXX ) and have had to file 1 unauthorized charge already through another bank. I am about to purchase a house and can't have any new accounts on my record, especially those that don't belong to me!

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 2021-06-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: ALLY FINANCIAL INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

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 2017-12-14
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a previous XXXX for XXXX XXXX XXXX ( the XXXX XXXX ), I was terminated without given reason on XXXX XXXX XXXX. I did not have previous write ups or disciplinary action on record, ( I did request my personnel file from HR via email and was told they would let me have it once it was put together and I never received it ) I showed up on the XXXX and was let go. I applied for XXXX benefits on XXXX XXXX XXXX, my former employer disputed it however I was able to send proof the XXXX ( XXXX XXXX XXXX ) showing that the reason they gave wasnt true and couldnt be true. I was granted XXXX benefits on XXXX XXXX XXXX. XXXX stated after investigation that I was not terminated for a reason that is related to misconduct in the workplace. I moved out of my apartment on XXXX XXXX XXXX. Before being approved for my benefits I had already been moved out of the XXXX system without any charges. After I was approved for my benefits the XXXX revised my move out and put a move out date of XXXX XXXX XXXX ( which is not accurate ) and then applied over {$1000.00} in charges on the move out statement and immediately sent it to collections. This act by my previous employer was retaliation against me due to me being approved and receiving XXXX at their expense. This has created a grievance on me that is undue and wrong. I have provided all this information to southern management which is the collection agency that they use and still nothing has been done.

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 2022-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXXXXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX have 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 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 explanation
Consumer complaint received 2020-12-04
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to buy a house in XX/XX/2020, and a man by the name of XXXX XXXX that I met online claimed that he would be able to help me to buy the house. He told me that he would help me pay for the house if I sent the down payment to SunTrust bank and, I did. he instructed me to tell ; the banker at XXXX XXXX that the money was for me to buy a car but after I sent the money. He told me he did not want to work with XXXX anymore. I asked him to send me the money back, but he did not, and I called SunTrust Bank just to let them know that the man was scamming me. I needed them to send the money back to my XXXX XXXX, but the banker at Suntrust told me he would not be able to do that and ignored my request until this day. I sent {$12000.00} plus XXXX for the wire fee to SunTrust bank, and I never get it back. I would like SunTrust to send me my money back because I told them someone was trying to scam me. They needed to stop the person from taking the {$12000.00} out, but they did nothing about it. The transfer happened on XX/XX/2020. The name of the account the scammer gave me is XXXX XXXX XXXX. The account number is XXXX, and the ABA code is XXXX. The address is XXXX XXXX XXXX XXXX XXXX FL, XXXX. I am a single mom I work hard for my money so, I want it back ASAP.

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 2019-11-11
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Was promised a 5.99 balance transfer apr in first three billing cycles but was told after my second billing statement that my promotion had expired. Apparently what they really meant was three calendar months ( account was apparently opened in XXXX but not used until about XXXX. ) as they said the promo started when my account was opened, not at statement issue ( first was XXXX balance, but still- I feel very misled ). Again, the misleading language needs to be corrected to say first three calendar months after the account is opened. Their terms ( which the lady kept harping one ) imply that I should be able to do my balance transfer now.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX amount is {$2500.00}. This account does not belong to me

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