BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX called me in aggressive tone about contacting XXXX about a debit I owe. I was going to do that as soon as I get money together, but shes calling me some aggressively, Im afraid of calling her back to get the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TransferWise Ltd
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have been using Transferwise, Inc. for 4 months without an issue, but all of the sudden they, wthout reason, fraudulently deducted money from my account and will not refund the money. This is the case for 2 and possibly 3 trasactions. The items marked in red on the first page of the package that I included with this complaint are the transactions in question. 

Transferwise will not give me a reason for why they deactivated my account, nor will they give me contact information so that I can deal with someone with Transferwise, who can handle this, in order to resove the issue. The emails from Transferwise Support also state that they can't even contact anyone about this to get info or to try to resolve it. 

Business behaving in this manner should not be allowed to operate and should be held fully accountable for their actions and damages. 

Sincerely, Victimized Business Owner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I cancelled service with XXXX  in XX/XX/XXXXand the company continued to bill me. I was told packaging to return the equipment in days but I did not receive packaging until months later. I sent the equipment back and received a bill with XXXX dollars added to the regular bill. The company stated they did not get the equipment back and continued to bill me. Three months later, I received another bill with missing cord added to the bill. Now a collection agency, that I am unable to speak with, sent me a letter saying I owe XXXX but will accept XXXX. I have called 5 times today, XX/XX/XXXX, and I have been cut off 5 times. They asked for my Social Security number which I refused to give but gave them my address. As I began to speak, I was immediately cut off. I do not owe this bill and I have made all the attempts I plan to make regarding this matter. Then my phone start ringing with unknown numbers and I refuse to be subjected to this any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: Servatus Corporation
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:
My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to Credit Solutions Corp who is now harassing me for payment. XXXX requested the XXXXXXXX delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with XXXX XXXX XXXX as the lender some time ago i was informed by the bank that my loan will be transfer to a new servicer at a certain date, to ocwen loan servicing, over a long period of time i herad nothing from the bank or the servicer i did try to make communication with the servier for over two years but was told that they had not receive any authorization from the bank as yet pertaining to my account, that went on for almost three years, finally they said they will Create an account for me and process a mortgage modification plan for me which they did and giving me a payment in the area of {$1400.00} .per month which i started to pay but when i tried to make a second payment my payment was refused on the grounds that my account was ivalid. and the payment i made will go in escrow, I made a QWR.of which they responded without any clear explination or to explain if they had authorihy to collect payments from me they eventually transfer the created account to another servicer who has it now i think the bank has violated certain laws by collecting mortgage payment without proper authorithy i am not sure if they have any authorithy to make any transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX XXXX for about 13 years, then they sold it to Rushmore Mortgage Company. Rushmore falsely claims in a statement of theirs that I did not pay my mortgage XXXX XXXX XXXX and XXXX of 2021 and I did so. XXXX XXXX had my mortgage at that time, Rushmore did not receive my mortgage account until XX/XX/XXXX of this year. They reported this to the credit bureau people and now I have a bad credit score. I was just ready to refinance in XXXX and now I can't because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SANTANDER HOLDINGS USA, INC.
State: AR
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 federal crediting Act this creditor has violated my right under 15 U.S.C. 1681 Section 602 stated I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 : A creditor may not treat a payment on a credit card account under open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2022-01-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have been banking with Chase for approximately 14 months now. We opened a business checking and savings account. We are a general contracting company. We deposit large checks over {$10000.00} from time to time. We recently deposited a check for roughly {$10000.00} through Chase Bank 's mobile app. The deposit was made on XX/XX/2022 which was a XXXX XXXX. The following day the funds were made available and the bank cleared 3 or 4 transactions. Some hours later my husband attempted to withdraw {$200.00} and the transaction was declined. I logged into my online banking and saw a negative balance of {$3400.00}. in our account. My husband went into the branch to inquire and was initially told that because the check was made out to him personally they placed a hold on the funds. When we advised them that we were told when we opened the account that that would not be a problem they changed the reason to well you haven't made a large deposit like this in a while. We asked how we could facilitate getting the hold released and were told to get proof from our customer 's bank that the check had cleared. We complied with their request and the following day presented proof that the check had cleared. XXXX XXXX XXXX, the branch manager/vice president still refused to release the hold stating that the copy provided was not legible enough and to get a better copy. By placing a hold on all but a couple hundred dollars the bank caused our account to become overdrawn by {$3400.00}. I went into the bank the next day to speak with XXXX XXXX and he refused to answer any of my questions stating he had discussed the matter with my husband and would not discuss it again with me. I went to another branch where I normally go and provided them with the same documents. They went online and requested that the hold be released stating that I had provided proof the funds had cleared. Regardless, the bank did not release the hold. I spent XXXX XXXX hours on hold after being transferred twice and nobody ever answered the phone. I believe that the bank failed to comply with Regulation CC which requires notification of any hold be provided to the customer in writing, which was never done and, for deposits over {$10000.00}, that at least half the money be made available within 2 business days. I have made complaints with the Federal Reserve and OCC and am contemplating a lawsuit for conversion, intentional misrepresentation and emotional distress. Chase Bank has unreasonably shut down our business by preventing access to our money. We have never bounced a check nor have we ever deposited a check that was returned. There is simply no legitimate reason for the bank to have done what they did. I believe Chase has a pattern and practice of placing unreasonable holds on their clients funds in order to make money off those funds for their own gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. Account in question is US Dept Of EdXXXX XXXXXXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by one collection company around a year ago this time staying that I owed about XXXX $ to XXXX for an account I closed out a few years ago. I was able to talk to XXXX and obtain a letter stating the debt was closed and was an error on their part. It was settled and I provided proof to the company directly from XXXX. The debt was cleared from my Credit Report with a note and also from XXXX XXXX. 

Unifin contacted me a year after the original dispute alleging the same debt was still owed. I explain the situation and told them it has already been resolved. The people I talked to were beyond rude and almost mean. I have provided proof to them but I am worried about what information they have. They have had multiple complaints and even have been known to threaten people. I want this issue put to bed and their shady business penalized. I am happy to provide any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
Over the course of the dates ranging from XX/XX/XXXX to XX/XX/XXXX, I have had a series of fraudulent ACH debits to my Chase Business Checking account.   This began with a dozen very small charges for less than a dollar starting XXXX XXXX XXXX2.   I brought this to my banks attention that same month and since the small charges were reimbursed they were not concerned.  I do not use this account often since it is a secondary business account for me.  It has only come to my attention on XXXX XXXX XXXX XXXX  that there were in fact many fraudulent ACH charges that went through over time.   I filed a fraud claim the next day.  Chase refuses to refund all of the amounts.  I spoke with the fraud department again today.  They claim that they are only liable for 30 days and place the blame on me for not catching it earlier. I find that ridiculous since they control the security of my account.  I don't use checks with this account, so can't conceive of how my account and routing info got out into the world.  

I've been a Chase bank member for close to 20 years and have move quite a bit through my accounts over time and have never filed any sort of claim before.  I find the handling of my case to be despicable.  

The charges in question are as follows: 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

Chase responded by reimbursing only the following charges:

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: NC
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:
Wells Fargo class action lawsuit : For mortgage loan borrowers, damages might be owed for wrongful foreclosures, incorrectly charged fees and wrongful loan modifications that would have otherwise prevented foreclosure. 
For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.

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