BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was hired into a job that sent me checks to deposit and send out to vendors to pay for my computer laptop and other equipment for the representative work from home job. After I cash in the first check I called my bank. I felt that the check was off and I wanted to know if it would bounce. And she confirmed that it was a normal check and that the funds are indeed going to be in my account. Which I then took as a sign to continue my job. The first check was for {$1200.00}. What I sent out from that was {$210.00}. I then received another check for {$200.00} which I deposited and the {$210.00} dollars was refunded back but with a {$36.00} cancel charge.the next day I send {$170.00} to vendor. The next day I had to send {$500.00} to two vendors but one of them was refunded back at {$460.00} because of a canceled charge. And finally {$130.00} to the last vendor of the day. I then took the XXXX that was owed to me at the start and told them that I didnt not want to Continue deposit checks because I do not feel comfortable. They reassured me that it was going to be fine and that with the next deposit I have a {$200.00} bonus with it. I then take out the {$200.00} from that check once it was deposited and the next day my account was on hold and that I have a XXXX dollars charge on it. I then tell her that I think Im being scammed but I just got brushed off the last time I called. I then asked would I have to pay for it. She then stated that I would have to and that the bank would take care of it. But when I went up today to the bank they said I would have 30 days to pay it off before my account is closed and credited

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 2023-05-04
Company: Experian Information Solutions 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankrupt XXXX Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXXL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  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 2023-10-25
Company: Experian Information Solutions Inc.
State: NJ
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXXXXXX XXXX XXXX # XXXX Closed Accounts XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2023-01-10
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I was sent a letter from XXXX  XXXX XXXX advising that my account was paid off due to my auto insurance company XXXX paying the balance of XXXX in full and I owed XXXX. This account is still reporting to my credit report in error and violating the fair credit reporting act The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Professional Receivable Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted XX/XX/ via email from XXXX XXXX with PRS-Professional Receivable Solutions LLC collecting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$550.00}. My daughter had an instrument we were making rent to own payments on. We had them automatically setup under a card that was compromised. We received communication from XXXX XXXX to return instrument and pay balance. We did return the instrument but failed to setup payments for missed payments. The account was turned over to collections. When I asked for backup and itemization on amount owed I was sent contract signed and payments made & missed XX/XX/. Going off what was provided by XXXX XXXX to PRS the amount owed is {$390.00}. I advised I would pay {$390.00} in full XX/XX/XXXX  but would not be paying added collection fees from the agency without backup from XXXX XXXX. I was told in email that there is a state regulated interest amount as well as collection fees at a 35 % rate. When I asked for backup from XXXX XXXX stating I owed {$550.00} again I was sent a fabricated XXXX XXXX letter. PRS is refusing to provide documentation from XXXX XXXX stating I owe {$550.00}. Everything they have provided to me reflects the {$390.00} amount. I emailed XXXX XXXX XX/XX/ requesting an itemized invoice to cross reference PRS 's claims to no avail. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: VA
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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

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 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: NRA Group, LLC
State: MA
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 have been a victim of Identity theft. I have sent the appropriate documentation ; 605B, FTC, LICENSE, and PROOF OF ADDRESS.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX of this year I full my balance off at XXXX XXXX of {$1800.00} Check was date XXXX. As of today XXXX the balance is still showing on my credit report with Transunion. I have spoke with Transunion several times and each time I am told they will remove it. It still has not been removed.This is ridiculous we are going on three months now. I have proof that is had been paid and I want it off my credit 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 2023-12-10
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PNC is stubbornly refusing to close my account. It should be illegal to hold open a bank account against a customer 's will. My bank account has XXXX balance, no outstanding transactions, and no recent activity. Hopefully PNC will listen to the CFPB, if not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudulent investment firm.

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 2023-03-23
Company: MOHELA
State: NJ
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 ( FCRA ) MOHELA/Dept. of ED, XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose. 

MOHELA/Dept. of ED : XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3300.00} ( XX/XX/XXXX ) XXXX. {$5000.00} ( XX/XX/XXXX ) XXXX. {$3100.00} ( XX/XX/XXXX ) XXXX. {$2500.00} ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. {$6800.00} ( XX/XX/XXXX ) XXXX. {$5100.00} ( XX/XX/XXXX ) XXXX. {$1200.00} ( XX/XX/XXXX ) XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3000.00} ( XX/XX/XXXX ) XXXX XXXX : XXXX. {$2800.00} ( XX/XX/XXXX ) XXXX XXXX XXXX : XXXX. {$1000.00} ( XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, I requested a payoff quote from my mortgage company HSBC. On the quote there is a line item named " Recoverable Balance '' in the amount of {$5400.00}. I continuer to call HSBC at I keep receiving different versions of this balance due and at no time they are able ti show me any proof that this does in fact belongs to me. 

I am currently in the process of selling my home and I need this clarified since this is no small to gorget about. I do not want to close on the sale and pay the lender and additional monies that I am not sure what it relates to. 

Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-12-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2023. My wife deposited a Tax return check ( we overpayed ) for {$29000.00} into an ATM at Chase Bank, in XXXX, XXXX. I authorized the check and my wife didn't realize she had to sign also. The credit was reversed appropriately and it began a XXXX week runaround including lies by bank representatives. 
I was told the check could not be returned however they would mail us a certificate that could be deposited into my checking account. It never arrived so I returned to the bank, XXXX later to complain. They contacted the ATM department and agreed to mail it overnight. A week went by and no certificate was delivered. I returned and complained again. Another week went by, no certificate. When I returned to the bank, a little upset, They committed to sending it overnight again. When it didn't arrive after XXXX  days, I complained and they said it wasn't sent overnight, that I should wait a week and let them know if we didn't receive it, we did not receive it. XXXX weeks ago, I asked to speak with the Bank, branch manager, he filed an escalation request to get a resolution. We have not heard back from the bank since then. They called us this morning to tell us they didn't have any information. 

I really need help getting these funds into our account. I was going to contact the IRS and ask for another check but it's going to take months and we need the funds for holidays, bills and food. 
It appears there's a breakdown between departments, we're willing to do whatever we need to, to get the funds. The bank has acted very inappropriately. I think they lost whatever they're supposed to send to us. I was able to confirm with XXXX ( Chase told me that's how they mailed to us ). XXXX doesn't have any record of a shipment being sent to me from Chase Bank. My nephew works for XXXX and has access to all data. They never sent the check so I don't know how it got lost. 

I was told that our situation is unique, that XXXX 's of checks are reversed in ATM 's every day. The check or certificate is returned to the customer within XXXX days. For some reason, they can't do this for us and it's been XXXX weeks. Seems very unethical. 
Perhaps you can help my wife and I?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act, Truist Bank Acct # XXXX has violated my rights. 

15 U.S. C 1681 Section 602 A. states I have rights 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Blackhawk Network Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I received a XXXX $ virtual card from XXXX because my identity was stolen. It was given to me through a website called My XXXX XXXX. I used the code and retrieved a card. 

This month they sent me an email reminding me about the card and explaining how to get the actual card number by clicking a link. I had difficulty even accessing it and there was only a po box for the site, no support number. The only support listed was for the specific credit card. So I called the XXXX phone number listed on the site, and went through the automated XXXX which often ended with a " goodbye '' when I couldn't find the right option. 

I was finally able to reach a live person who helped me get access. 

Imagine my surprise to discover there was less than XXXX $ on my card because XXXX / myPrepaidCenter had been charging me a " Dormancy Fee '' of {$5.00} EVERY MONTH- on a XXXX $ card. I still couldn't access the card. I was unable to load it into my wallet, so the fees would continue. What happens when the card is empty? Would they send me a bill every month? 

I called again, another round of XXXX and wait times. When I asked if they would continue to bill me every month even after the card was empty and even though I couldn't access, she couldn't answer. When I complained, the support person said they didn't work for XXXX or for the website. She was unaware of any XXXX fee. 

It took several phonecalls before I could find someone who would help me. I complained until my persistence paid off. I was finally told that this was a mistake - since I only retrieved the card number today, I should not have been charged. 
Even if I had retrieved the number 6 months ago, that fee is absurd!! They promised they would give me my money back and would mail me a plastic card ( at no fee. ) We shall see. 

So first I suffered identity theft through XXXX, and then I was robbed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CBC Companies, Inc.
State: MN
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 want XXXX XXXX, XXXX XXXX XXXX and Innovis to add and report the following personal information on my XXXX XXXX, XXXX XXXX XXXX and Innovis XXXX file and consumer report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota XXXX ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Cell Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Employer Start Date : XX/XX/XXXX, Employer End Date : Present, Annual Income : {$85000.00} to {$150000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yes from XX/XX/XXXX until XX/XX/XXXX someone had stole my debit card and used it to make multiple atm withdrawals without my permission they ranged from {$200.00} to {$500.00}. My debit card was stolen and someone made withdrawals that I did not authorize. My account was credited back with the money that was stolen but later just a few days ago it was taken back without any alert of any kind. This is very unprofessional. I alerted the company within 3 business days of finding out that my account had been compromised. It was around {$3000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation