BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint involves Bank of America ( BOA ) and my bank, XXXX XXXX. 

On XXXX I Wired ( via XXXX XXXX XXXX  XXXX {$53000.00} to Bank of America account XXXX 

On XXXX, I received a call from BOA Client Protection XXXX fraud investigator. She interviewed me on a recorded line, and told me the account I was trying to wire to was a possible fraud account. She also told me that I should receive my funds back to my account within XXXX weeks of that call. I received that phone call on XXXX between the hours of XXXX XXXX 

After not receiving my funds back, I went back to my bank ( XXXX XXXX ) to initiate a recall of the wire on XXXX. This was to no avail. XXXX XXXX has tried a few times to get the funding back from BOA, but they are not responding to the request. And XXXX XXXX is just " waiting for BOA to return the money '' without other follow up. I do have paperwork with account information as well as wire information that I can share upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
No citizen has directly and explicitly consented to the 3 credit reporting agencies. We citizens trust that you, the CFPB, will regulate and enforce supportable policies. 

Experian lost my personal data due to a preventable intrusion. I have since locked all my credit reports. Every single time I have tried to lock, unlock or even view my data at Experian I have failed their online security test to prove myself. I only ever fail security tests with Experian and never the others. They do not let me create a consumer account to manage my credit, they give me a PIN each time I lock/unlock my report. And every time I try to use the PIN for the next transaction, as should work, even their own PIN check fails. 

I am currently buying a house and must unlock all my credit reports for mortgage precertification. Once again, I breezed thru unlocking my credit reports at XXXX and XXXX but I failed the security test at Experian. And now I have to call them but only on weekdays during business hours. The exact same time I work. 

Experian clearly can't even manage to provide a proper system to verify my identity let alone have the proper protocols to secure their data internally. What steps are the CFPB taking to ensure that ( a ) our data is safe with Experian and ( b ) when we have life events requiring we access our data that we actually can do so and ( c ) to ensure that they are providing consumer support during non-traditional business hours?

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 2021-07-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent checking and savings accounts were opened in my name using my social. I currently bank with Wells Fargo and had 4 accounts opened with them. These new accounts used a different email, phone number and mailing address when opened. Then the identity thieves opened a new profile with a seperate social to access these accounts online. At no time was this flagged or notified me. If using my name and social but everything else was different, why wouldn't these be flags in their system. I could see all of these accounts under my profile but they said the fraudulent profile could only see the 2 new accounts. Doesn't make sense to me. 

The fraudulent accounts never had money put into them but they transferred {$100.00} from the checking to the savings. How do you transfer money when no money was there? So the account was negative {$100.00}. Then they transferred {$160.00} from the savings to a XXXX XXXX Checking account. Again how do you transfer money out of an account when no money was ever there? Wells Fargo couldn't even explain the activity. All of these things should have been flags in their security system. Where are their protocols and protection to the consumer?

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 2022-12-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022 I sent in a request for all three of the credit bureaus to confirm if the information is correct on my credit report. But once I sent out my letter asking them to confirm if the information is correct on my account I received a postcard from them. The postcard from XXXX stated proof of address unacceptable reasons number four and three one or more of the documents was too old please see the time frame listed below one or more of the documents was illegal one or more of the documents was not accepted to be used as proof. Then on there it says list below reason only one proof was provided to acceptable documents are required please provide two current documents from this list and it list driver 's license bank statement XXXX XXXX cancel check government issued IDs. But still all they did was send me the postcard and did not inform me of if the information was correct on my account or not. The reason for me wanting to have the information confirm it's because I was told that there was a data breach and a few of the companies and I just want to make sure that my information was not tampered with.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
This has been going on with XXXX, XXXX, and TransUnion for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked TransUnion, XXXX and XXXX, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at TransUnion once over there phone, and they said that since the creditor is a member to TransUnion they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you

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 2023-09-27
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The following points will be in the order in which they happened : XX/XX/XXXX Phone was stolen late that night XX/XX/XXXX I realized that phone had been stolen immediately called Cash App, XXXX and our local police dept. 
XX/XX/XXXX spoke to XXXX advised of charges : {$500.00} to a XXXX XXXX, {$170.00} to a XXXX XXXX and {$100.00} to XXXX XXXX there was a charge to XXXX  in the amount of XXXX but it was denied. 
XXXX responded with " based on our review {$100.00} was still pending and i had to wait for it to be completed. She then stated that I had to reach out to support and deactivate my card. Once that was done I could dispute the transactions once they were complete. 
They had me answer some questions, change my pin and wait 10-14 days until an agent would be contacting me. I was then advised that it may take 45 calendar days to review and resolve claim. Then I was told that my claim had been escalated and my reference number is XXXX. 
XX/XX/XXXX I requested update. Was transferred to a specialty team who will provide documents on which their claim was based. 
XX/XX/XXXX requesting update for reference XXXX, I the then had to give them the transactions i was talking about. 
XXXX until present day i have been doing this. i have sent the police report as well as the XXXX receipt to them 7 times. I am continually denied and told that i authorized the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was in Lowes was going to open credit card over the phone, and they said they would send me text on my cell phone. I told them to " Do not proceed with this. I'll pay cash for these items. '' The person on the phone ran my credit. I got a letter in the mail telling me that my application wasn't approved. I told them not to run my application. 
The people that answer the phone have run me my around, and have hung up on me. 
I cussed them out big time, because they did something I told them not to do. 
I'm sure you won't do anything because you kiss the XXXX of big corporations, and banks. 
Tell the XXXX to listen to the recording. 
SICK OF THE 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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the Fair Credit Reporting act the following XXXX  accounts have violated my rights under the following laws : 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 instruction. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Texas # XXXX XXXX # XXXX XXXX  XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # 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 2023-10-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously worked as a XXXX party retail seller for XXXX and my XXXX and XXXX was supposed to be at a discounted price the did not disclose that if I change services then I would lose that discounted price.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have asked the organization to provide proof they own my student loan debt. They are unresponsive and unwilling to provide proof the debt theyre emailing me about actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I, XXXX XXXX, entered into a consumer credit transaction with, XXXX XXXX and Barclays bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and Barclays Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports. I asked for signed documents and any validated documents they have and failed to provide. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.If you were able to conduct a proper investigation of the records for this account send all documents as i believe this is fraud on my credit report. these accounts are not 100 % accurate they reporting late payments. reporting without my consent these accounts are in huge violations.

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 2023-10-03
Company: LEXISNEXIS
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023, I received an adverse action stating that I had a bankruptcy on my credit report. I filed bankruptcy over 20 years ago, the bankruptcy should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports 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 2020-01-03
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: Was not notified of investigation status or results

Complaint:
Failed to respond to remove error reporting XXXX XXXX  XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-07-18
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: Account information incorrect

Complaint:
see attached file, the credit bureaus are reporting this account inaccurately and they are violating the FCRA CARES ACT.

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 2023-02-12
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 U.S.C. 1681 Account Name : XXXX XXXX ; Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXXXXXX, Account Name : XXXX XXXXXXXX XXXX, Account XXXX, Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX. 

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 an account without my written instructions.

15 U.S.C. 1681 s-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 2022-09-21
Company: Experian Information Solutions Inc.
State: NV
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:
For over 3 years I have submitted proof to the 3 credit bureaus that XXXX XXXX was garnishing my wages on an account that didn't belong to me, the account in question was opened fraudulently. The garnishment caused my actual credit card payments with XXXX XXXX to bounce and caused a chain reaction of late payments because they were on auto-pay. 

XXXX XXXX sent me a letter acknowledging that the garnishment was not supposed to happen and refunded all the payments they took from my check. XXXX XXXX didn't erase my late payments that were caused by their mistake. I have letters from XXXX XXXX acknowledging their mistake, and copies of certified letters from me to the credit bureaus asking them to correct the information and remove the late payments. 

I have placed a fraud alert because there are hard inquiries that I did not authorize. The following hard inquiries are not authorized by me : XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance )

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 called and spoke with a customer service agent there at Transunion explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my 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 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft. 

XXXX XXXX/XXXX XXXX - Opened XX/XX/2018 The following Inquiries was not authorized by me : 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 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