BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Both the mobile application and atm mini statement show my Wells Fargo account processing a debit transaction of {$100.00} on XX/XX/21 and an associated {$35.00} NSF fee for the transaction that was debited from the account on XX/XX/21. The debit transaction in question is reported by Wells to be a transfer to my XXXX account yet my XXXX account has no corresponding credit and moreover I do not recognize the transaction.

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 2019-10-15
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX XXXX, TX GM Financial XXXX, TX XX/XX/19 Car Inquiry with XXXX XXXX XX/XX/19 Loan Sent back XX/XX/19 Loan Declined XX/XX/19 Dealership wants me to sign new paperwork XX/XX/19 Told Dealership They can take car back XXXX Told Dealership I dont wont to proceed, offered different monthly payments & to pickup vehicle XX/XX/19 Contacted via text by Dealership & that they wanted to Pickup truck ; Told Dealership I was out the country would return truck upon arrival. 

XX/XX/19 Hard Inquiry On Credit via GMF XX/XX/19 Contacted GMF about a unauthorized inquiry XX/XX/19 Vehicle Returned To Dealership & Contacted GMF to Not Proceed with Funding. 

XX/XX/19 Receive notification Inquiry on credit of a New Auto Loan funded w/o my Authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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: Information belongs to someone else

Complaint:
I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, TransUnion, XXXX and XXXX on over 3 occasions TransUnoin has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX XXXX has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT XXXX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION

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 2021-11-16
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Back in XXXX Ill purchase promotional services from a promotional company that I thought was legit they scammed me out of {$1200.00} and I ask for a refund they advised me that they would not give me a refund I try to report this issue to Cash App they say basically oh well then I reported this issue to my bank Who advise me that I would have to take this out with cash app I reach back out to cash out for help and they advised me that there was nothing that they can do I reported the persons account as a scam and now that person has scammed another person cash app is refusing to acknowledge this problem and give me my money back from this persons account they are scamming people and Cash App is allowing them to scam people I would like a deeper investigation into this matter as I do have receipts and confirmation of the services that I wanted but was not provided I have requested a refund from this person in which they decline and I advise that to cash app as well I would just like my money back because I am a single mother and I was trying to invest into my career by promoting my business and was ripped off I also see no cash app has a I have been scammed button which is new on the platform I did not have the option to say that I was scammed at that point in time but now that I do I would like to utilize this option and let cash app know that I will scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX ( Original Creditor : MEDICAL ) 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 2023-09-13
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a debt verification letter to the company working on their behalf ( XXXX XXXX XXXX ) on XX/XX/2023 that was never responded to! I also sent another on XX/XX/2023. Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt UNTIL XX/XX/2023. WHICH IS ILLEGAL AND IN VIOLATION OF MY RIGHTS AS A CFPB RED CONFIRMED OVER THE PHONE. THE DEBT NEEDS TO BE REMOVED BECAUSE THEY DID NOT RESPOND FOR NEARLY 60 DAYS. RESPONSES MUST BE WITHIN 30 DAYS TO BE LEGAL. It claims it was opened in XXXXXXXX XXXX XXXX, but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. They suggested I pay 50 % of the bill to have this deleted. IT MUST BE DELETED BECAUSE OF LACK OF TIMILY COMMUNICATION. THERE IS NO OTHER RESOLUTION THAT IS WITHIN MY LEGAL RIGHTS. 

The validation letter was sent to an address in MARYLAND which is not my address, not to my home in GEORGIA where I was a permanent resident. THIS IS ILLEGAL ON BEHALF OF CASCADE CAPITAL FUNDING , LLC. 

Where is the itemized bill? The PROOF that this debt is mine? The LEGAL right to dispute? THIS IS ILLEGAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 my checking and savings accounts were closed by Bank of America without explanation. I was informed of this after discovering I was unable to access my online banking portal, and called customer service to discuss how to access my account. 

At the time of the closure of my two accounts I had two banking disputes with Bank of America : First, on XX/XX/2023, I authorized my wife to make a cash deposit into my checking account at a local Bank of America. She used their ATM. The cash amount to be deposited was {$3700.00}. In the process of depositing the cash, the ATM screen froze, an error message appeared, and the machine dispersed {$630.00} only. The ATM went back to the home screen. Since then, there was no indication that the remaining {$3100.00} was deposited into my account. My wife and I called the bank and initiated a formal dispute for the missing funds. On XX/XX/XXXX I received a message that our dispute/claim was denied with no explanation. 

Second, on XX/XX/2023, I received a message informing me that there was suspicious activity on my account. There were three charges from an online betting website out of XXXX, NY. A company I'd never heard of. I confirmed these were unauthorized transactions. Two of the transactions were denied, and never charged to my account. The third was charged to my account - a {$150.00} charge. This disputed charge was still taken from my checking account when the bank closed my accounts. 

I called Bank of America several times to discuss these issues, where I spent long periods of time on hold, being set from one department to another, without any substantive discussion of the issues/disputes. Finally, when I was informed that my account would closed, the representative simply read a route message indicating that I agreed that Bank of America can close my account without explanation, and they have decided to do so. 

It is extremely clear that I am powerless on my own in this situation, and need help. I was a Bank of America customer for over ten years prior to these incidents without any issue. That they cancelled my account after these issues came up, is deeply disconcerting. I am now left with no means to access my funds nor pay my recurring bills.

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 2023-03-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
i had a secure credit card with US Bank and have made all monthly payments on time for the past two years. US Bank has failed to upgrade the card to unsecured due to credit per the denials. i had the same credit rating the for past two years with my score going up at time for on time payments. I believe that US bank have not extended credit due to complaints. 

during my sickness i phoned US bank for help with the credit card and was told by XXXX customer service rep and XXXX supervisor that US Bank has no option for secured card holding during unemployment or XXXX. i aslo expressed that us bank fees, annual fees and late fee is the reason that the card was over balance several times. Us bank wait until your balance is near the credit limit and then post all the charges such as the fees at one time. i have requested manager call back several times no response see letter payment is incorrect and account was closed before i received this letter. 

Us bank was well aware of my health.

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 2023-03-15
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: Account information incorrect

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 from myself

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for citi costco visa credit card. Since i have alert placed on my credit, every time i apply for new account bank rep will verify my id talking to me on phone and verifying my personal info after which i am approved. Since i have excellent credit score i was never declined before this time. so they told me i will receive a letter in mail explaining their decision. My letter i got from citi bank says can't approve application because we could not verify the accuracy of the information. They also didn't ask me to provide any additional info. I believe this is simply unjustified because they spoke to me and verified my id. Also i have open another account with XXXX XXXX about 1 week ago and everything went fine. 
I have called citi bank 3 times about this issue and they flatly refusing to give me any reason why i am declined. Also citi bank employees should know alert placed on anybody 's credit is not justification for denied credit. Thanks for 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 2023-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account debt paid in full with all legal a lawful documentation included to credit bureaus. Not updated on credit report. Now in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MI
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:
They have bankruptcy on my report its 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 explanation
Consumer complaint received 2023-07-28
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: Personal information incorrect

Complaint:
I have attempted on multiple occasions to have this inaccurate information removed from my credit report from XXXX in order to have a more accurate report. I would like to have these negative and unauthorized inquires and old address removed from my credit report. The credit bureaus have failed to accurately respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Affirm Holdings, Inc
State: PA
Product: Credit reporting 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 disputing the validity of this alleged debt. I have not now nor have I ever been in contract with AFFIRM INC. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from Experian showing the aforementioned as reporting this information with a " balance '' of : {$110.00}. I am demanding AFFIRM INC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand AFFIRM INC. to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character and fraud in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Key 2 Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX may be calling you from XXXX ( XXXX ) XXXX XXXX to collect a debt. Submit a complaint and learn your rights FOR FREE today! 


There tactics are deceiving. I do not know what this is about. I am already receiving debt collection letters in the mail. Ive submitted a forwarding address with the US Postal Service. Im retired now, theyll have to wait their turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail about Commonwealth trying to collect a debt in the amount of {$920.00} back in XX/XX/XXXX. After I received the letter I responded in telling the agency that I didnt recall using medical services and if they could verify then I would pay the alleged debt. ( Some kind of contracts, signatures ) Commonwealth responded back XX/XX/XXXX with itemized statement, which I didnt think was appropriate. I then contacted the credit bureaus ( XXXX, XXXX, XXXX  to notify of dispute. In XX/XX/XXXX I received a letter from XXXX  stating the debt was updated. I then responded with a letter to determine method of verification from XXXX  & also Commonwealth. XX/XX/XXXX XXXX sent me a letter and Commonwealth had been deleted from my credit report. Commonwealth is now as of XX/XX/XXXX trying to collect on this debt and has not verified this debt with me or the bureaus. I am also suppose to be notified of information that was once deleted off of my credit file. Commonwealth has also changed information with collection I will also send documentation to support my claim. In my new credit report they are not reporting the same nor correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: OR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: SC
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 reviewed my Consumer Credit Reports and I noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies must have assumed a vital role and have a responsibility to report Consumer information with maximum accuracy consistently. I have never been late on payments for the account : XXXX acct # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2019, a XXXX XXXX purchased a XXXX XXXX  for {$350.00} from me using XXXX, which was linked to my Chase account. I withdrew the funds to my Chase Checking account on the same day. 

On XX/XX/2019, I was notified by XXXX that XXXX 's bank had issued a chargeback and Chase took the amount directly from my checking account. 

I opened a dispute with Chase on XX/XX/2019 and explained my situation. 

On XX/XX/2019, I received paper mail from Chase notifying me that they had denied my appeal and are taking my {$350.00} to return to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: SYNCHRONY FINANCIAL
State: NV
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:
Today i recieved an alert that Synchrony Bank requested a copy of my credit report. I immediately contact XXXX because I have been a victim of identity theft in the past. I havent applied for credit with Synchrony Bank or PayPal, please remove this fraudulent hard inquiry from my credit report. I placed a fraud alert in my credit report to make sure this wont happen again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation