BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-30
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Scottrade : I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.

Company response to consumer: Closed
Consumer complaint received 2015-12-08
Company: Empowerment Ventures, LLC
State: VA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard locked my account because they said my card was compromised and claimed they sent and email which they did not and locked me off the Website. I have n't been able to get my money going on three weeks and the customer service is awful. They put you on hold for almost an hour and then youre disconnect only to have to start over again!! I 'm behind in bills because of Rushcard. I 'm being penalized for something they did on their end! I NEED my MONEY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to pay a bill using my Wells Fargo XXXX while traveling overseas. My account got shut down. 

I indicated to my bank that I would be traveling 2 months prior when I made a withdrawal. 

I spent over four hours talking and waiting for the online team. 

I asked for a callback from an account executive and none was made. I was told I would receive a call within XXXX-7 days. 

I called Wells Fargo three times. The first time the access to my account was restored. The second time I tried to repeat the XXXX transaction, I was told I would have to come to a branch to prove my identity. I escalated the conversation twice until I was told an executive would call me back and then hung up on by a manager called XXXX XXXX. 

As you might suspect, its impossible to go into a branch while you are traveling overseas. 

Also their e-mail system responded that I need to log into my account to contact them in writing. The not so funny irony is that I obviously can not. 

Not having access to my account is positively dangerous while Im traveling and blocking access to my funds while I need them is irresponsible.

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 2015-11-09
Company: APEX Asset Management, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX in XXXX XXXX and was transported to the hospital by ambulance. I had medical insurance at the time but I did not have my insurance card at the time. Later, I called and provided my insurance information but the amount on the bill never changed. I called again but they insisted that I still owed the same amount regardless of insurance. After my refusal to pay, due to the refusal to apply my insurance, they sent my account to a debt collector. This was about 5 years ago and Apex ( debt collector ) has continuously called, at all hours of the day yet they never leave a message nor have I ever received a paper bill. This debt is negatively affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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:
There are several accounts that were accessed with my information without my consent or knowledge. These accounts are a result of identity theft and I want to get this issue handled in an expedited manner. There is someone still using that XXXX account and paying it as it was me and another one they are not. this is destroying my credit. Also there are other accounts that I do not recognize ever having or applying or doing business with. Please help me get this resolved.

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 2022-04-11
Company: Affirm Holdings, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affirm is attempting to collect on a debt which was paid using XXXX XXXX installments, order ID is XXXX, placed on XX/XX/XXXX. The order was refused via XXXX, tracking id XXXX. Package was returned back on XX/XX/XXXX. I've been calling the merchant, XXXX for several days, was able to reach a rep on XXXX I believe, was told the item ordered is final sale and discounted which is not stated in advertisement. I've been calling back to attempt to speak with a manager, no one answers phone. Most recently, I've been receiving emails requesting payment which according to payment schedule is now overdue. I've been replying to emails stating item returned, final sale not disclosed in add, no resolution to date.. The form reply received back shows Affirm as the company attempting to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 to the Fair Credit Reporting act XXXX account XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional XXXX  accounts that violated my rights, 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 non-monetary relief
Consumer complaint received 2015-10-18
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On behalf of the XXXX customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CarMax, 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:
Submitted a preapproval to carmax. Was told it was not affect my credit as it would be a soft pull. Received several hard inquiries. Contacted both the company and 3 credit bureaus, still no results XX/XX/2021 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 2022-04-11
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has time and time again reported this account ( XXXX XXXX ) as verified. But has yet to show how they verified this account. While XXXX and XXXX could not verify this account and simply removed it from my credit report. I thought all credit bureaus get their information from the same source. I'm really losing faith in this company as a consumer. I want this account removed asap because its reporting inaccurately and Experian is not investigating the validity of this account correctly

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 2020-04-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have an american express bluebird prepaid card that I have part of my paycheck deposited and use for ordering specifically online. I have called repeatedly since Saturday XX/XX/2020 regarding an unauthorized charge of {$45.00} Transaction ID XXXX - " store purchase XXXX New Mem # XXXX XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX 
I didn't make this charge. i have an existing membership with XXXX 's that is not due until end of the summer and my fee is {$100.00} for the plus account. THIS WAS NOT MADE BY ME AND I WANT MY MONEY BACK, PLEASE!! 
when you call the XXXX it immediately disconnects after this announcement OR it will tell you to hold to be transferred then says " you have reached a non working number '' then disconnects. I called the NY office and was advised by the receptionist that there was a long hold for the customer service number they had been having trouble. i told her it wasnt a long hold time, it just disconnected, she advised there was no one to speak to or a working number. I need my account fixed. I am afraid to go online and cancel the card due to i want my refund for the {$45.00} purchase that i didn't make. can you help me? XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have paid off both XXXX XXXX accounts on XXXX/XXXX/16 and XXXX XXXX in XXXX also. XXXX of the XXXX XXXX shows being paid but not the other and they were both done and cleared my bank on the same day.

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 2022-04-11
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a 3.375 % 30 year fixed rate mortgage with US Bank on our primary residence with approximately $ XXXX in principal left on the note. In XXXX XXXX XXXX  we lost our home to the XXXX wildfires. Our insurance paid out more than $ XXXX, which was being held in escrow by US Bank in order to rebuild our home. 

( 1 ) in the state of California mortgage companies are required to pay 2 % interest on monies held in escrow accounts such as this. US Bank refused to pay us any interest on the funds being held, including the amount held over the principal.

( 2 ) US Bank refused to release any of our funds until we had architect stamped floor plans submitted to them, including refusing to release any funds for debris and tree clean and removal. To date we have had to spend over $ XXXX to get to the point where we have stamped plans.

( 3 ) US Bank refused to allow us to rebuild anything other than a 5 bedroom 4 bath home, despite the fact that our previous home was permitted at 3 bedroom 3 bath, and that was what we were allowed to rebuild by the County without triggering onerous permitting restrictions. This is despite the fact that even a 3 bedroom 3 bath home would be valued at much more than what was remaining on the note.

This forced us to pay off our mortgage in order to rebuild our home, despite the fact that we did not want to. We were concerned that rates would rise and we would be required to take out a loan at much higher interest rates. We are now in that position and rates have gone up to the point that we are now concerned that we wont be able to afford a new mortgage once our home is rebuilt.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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 2018-01-09
Company: DISCOVER BANK
State: FL
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 beleive I have been falsely denied a discover it credit card with a minimal {$500.00} credit line on XXXX XXXX, 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
COLLECTIONS ON MY CREDIT REPORT ARE INCORRECT AND CAUSING ME FINANCIAL HARDNESS. 

1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. 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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 XXXX, XXXX, and Transunion are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : 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 2020-05-05
Company: WELLS FARGO & COMPANY
State: MA
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 was never late on this account on the date of XX/XX/2019. 
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 2020-04-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax security breach in XXXX I placed a security freeze on my account. I was given a number code and was asked to note it down as it was supposed to allow me to lift the freeze. 

I am now trying to lift the freeze for a mortgage application. I tried to do this online but was forwarded to a page asking to call by phone. I contacted equifax on XX/XX/XXXX by phone and was told that the number I was given was not used any more because of a system change. Instead I was asked several questions. Unfortunately these questions concerned dates of previous non-mail interaction with equifax, such as the last date I had requested a credit report. Never was I informed during these events that these dates would serve as information necessary to modify my security freeze and that I should thus note it down as critical information. Because of my failure to provide the requested information, I was denied to lift my freeze and asked to send in a copy of my driver license and social security card by mail. I did this on XX/XX/XXXX. Since then I have called weekly to ask about the processing of said request and was asked to wait and call again after '5 more business days '. This has lasted until now. 

Now the number I am supposed to call to inquire says that it is only available from XXXX EST because of the COVID-19 situation and site closures. However I called several times during this time and was always led back to the same tape regardless of selected options without being able to reach an associate.

Equifax has now denied me to lift my security freeze for one and a half months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have reached out to XXXX, XXXX, and transunion by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

XXXX, XXXX and transunion is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please XXXX XXXX XXXX and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.

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 2015-10-24
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
rush card promised to have pay roll and government checks direct deposited and posted and available 2-days prior .last week i didnt receive my direct deposit until the day of my pay day. this week i have not received my direct deposit at all i am paid weekly wednesday by my employer but my initial pay day is friday. my employer sent my pay but rushcard has given me every excuse and even hung up on me on occasions because i asked for a set date and time frame i should have my money. they even told me to go to a money pass atm because the money is there i did my balance still says XXXX im behind on bills, i have no groceries, i cant pay my son school fees. i need and want my money NOW or im forced to cancel my services i cant take this weekly my rent is about to br due so is another pay period i refuse to give them XXXX checks that i cant access an use.

Company response to consumer: Closed with monetary relief