BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I began talking to someone by the name of XXXX XXXX XX/XX/2022 online. I met him on the dating website XXXX. During our conversation he introduced me to short term investing and convinced me to also invest in an effort to make money. XXXX walked me through step by step how to set up an account with XXXX XXXX and create an account with both XXXX and XXXX XXXX on my cell phone to complete the investment transactions. XXXX constantly pressured me to invest large sums of money. I reluctantly took out a personal loan totaling {$7500.00} and invested {$7400.00} of it. I invested an additional {$3000.00} of my own money for a total of {$10000.00}. XXXX would provide me with times to either buy or sell over XXXX XXXX and what profit range to be within when I closed out the transaction. XXXX instructed me on doing this at a minimum two to three times a week for maybe seven weeks. When I went to try and withdraw money to pay off my personal loan, I was informed by XXXX XXXX that I needed to pay taxes on my profit totaling {$7900.00}. I took out a second loan for {$6500.00} and used {$1500.00} of my own cash to pay the amount. XXXX walked me through the steps of how to pay the taxes and I was informed by XXXX XXXX customer service that my account had been flagged as abnormal and I needed to verify my account by paying an additional {$6000.00} to withdraw my money and that I would get the {$6000.00} back upon paying and verifying my account. This is when my father informed me I had been scammed and to inform the FTC. I have had minimal, if any, contact with XXXX over the past two weeks due to this. XXXX also has no idea I am reporting him to the FTC for investment fraud. XXXX informed me, when we first began talking, that he lived in XXXX XXXX, XXXXXXXX with his mother and stepfather. XXXX is allegedly currently at XXXX XXXX XXXX  XXXX in Washington D.C. being treated for COVID, but when I called the hospital and requested to speak with him, I was informed that there was no patient with the name " XXXX XXXX '' admitted. His mother is supposedly also a patient there, but I never learned her name. XXXX told me that he owned a company with a friend/business partner in Washington D.C. and he was currently trying to sell his shares so he could return to XXXX  XXXX XXXX VA and open his own company there. I failed to get the name of the company. XXXX XXXX and his mother are both originally from XXXX and XXXX said he moved to the US with his mother when he was 15 years old after she married his stepfather. XXXX told me he went to college in XXXX and for a time lived in the XXXX area before moving to 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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-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 2022-06-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
As of XX/XX/2022 between the hours XXXX XXXX and XXXX XXXX, I was contacted by a person who disguised himself as my first sergeant, named XXXX  XXXX XXXX. This person informed me that I was paid incorrectly, specifically a lower amount than what I should have been paid during my recent training at basic training for the XXXX. This person then instructed me to forward via XXXX my past three paychecks in order to assist him in repaying me the proper compensation. In all honesty, I was reluctant to believing this person. So then I forwarded four payments to the XXXX user, named XXXX XXXX, as instructed by XXXX XXXX XXXX. The payments I sent are in chronological order, beginning with the earliest to the latest payments : {$300.00} ; {$540.00} ; {$870.00} ; {$280.00}. After XXXX XXXX XXXX verbalized over the phone that the payments were successfully transferred via XXXX, he hung up. I tried contacting his phone number multiple times and could not get through the line with him. I then contacted Chase to cancel these XXXX payments, which I was then informed by Chase that they can not assist because I authorized the transaction via XXXX. However, I was mislead, and now I lost the above amounts without any assistance despite me being evidently scammed. I believe this is unfair, and I am deeply scarred and financially threatened. I request assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: MI
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 submitted a dispute request, to have information on my report updated, due to my divorce, I sent them my divorce decree, that CLEARLY states, that I am no longer responsible for the mortgage and Payments @ XXXX XXXX XXXX XXXX, Mi XXXX. I have contacted the mortgage company with the same documents and information, I have also attempted to get the mortgage company to transfer the mortgage over into my ex-wife name or assumption of Loan. this debt should be removed from my credit report, since the home has been taken from me and I am no longer living in the home.

Company response to consumer: In progress
Consumer complaint received 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Subject : Request for Inclusion of Accurate Bank of America Account with a Credit Limit of {$45000.00} on Credit Report To Whom It May Concern, I hope this message finds you well. I am writing to address a critical issue regarding the accurate reporting of my credit information, specifically concerning an active Bank of America account with the account number " XXXX XXXX XXXX XXXX, '' which was opened on " XX/XX/2019 ( 4 yrs, 5 mos ). '' This account, which carries a substantial credit limit of {$45000.00}, has not been appearing on my XXXX credit report, despite it being the only legitimate Bank of America account that should be reflected therein. 

It is imperative to clarify that this particular account should not be mistaken for any other Bank of America account that I may have disputed in the past. The account details provided are accurate and pertain to a valid and active financial arrangement that deserves proper representation on my credit report. 

I kindly request that XXXX take the necessary steps to ensure the inclusion of this accurate Bank of America account on my credit report. This omission not only affects the completeness and accuracy of my credit history but also has potential implications for my financial standing and future credit opportunities. 

I appreciate your immediate attention to this matter and request prompt action to rectify the absence of this account from my XXXX credit report. Please confirm once the necessary updates have been made to accurately reflect this account with its associated credit limit of {$45000.00}. 

Thank you for your cooperation and timely resolution of this issue. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, NY, 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 2022-06-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home was damaged as a result of Hurricane Ida. In XX/XX/2022, my insurance company issued a check to me, my wife and Carrington Mortgage Company, in the amount of {$110000.00}. Those funds were turned over to Carrington Mortgage and we have incurred obstacle after obstacle when attempting to have Carrington issue funds to us for repairs.

1. CONTACT WITH FILE OWNER : We could never get in contact our original designated file owner ( XXXX ). This is the person who is designated to handle the disbursement of our loan funds. In spite of several phone calls and voicemail messages, XXXX never responded to us and we were always rerouted to other representatives who had no knowledge of our case. 

After TWO months of total chaos, we were issued two disbursements of {$15000.00}, for roof replacement and {$33000.00} for replacement and finishing of all drywall. 

Due to the issues with our prior file owner, we were assigned a new file owner XXXX XXXX XXXX. 
Nonetheless, we have experienced the same difficulties in contacting XXXX that we experienced with the previous file owner. We have made several calls and left several messages for XXXX. However, we have not been able to speak with him regarding our file. 

2. REFUSAL TO ALLOCATE FUNDS UB GOOD FAITH : Carrington Mortgage Company has consistently declined to issue OUR insurance proceeds to us and allow us to manage our repair process ourselves. THESE FUNDS BELONG TO THE HOMEOWNER, NOT CARRINGTON MORTGAGE COMPANY.

Carrington is insisting that it can only issue checks to contractors. Thus, forcing our proceeds to be placed into the business of accounts of contractors who we do not know. This is problematic and we have already experienced an issue with one of our contractors.

One of the previously referenced checks was endorsed by us ( homeowners ) and placed into the business account of the designated contractor. Two weeks later, we were informed that {$3000.00} of our proceeds were missing because the contractor comingled our funds with a purchase of property he closed on.

We informed Carrington Mortgage of this occurrence and that, moving forward, we wished to act as our own contractor because were not comfortable with turning over our insurance proceeds to contractors who we had no previous relationship with. 

In spite of this problem, Carrington has REFUSED to turn over the remainder of our funds, to us, and allow us to manage the remainder of our home repairs. We believe these actions are illegal and unethical. We have made several attempts to resolve this issue with Carrington Mortgage to no avail.

WE FIRMLY BELIEVE CARRINGTON IS ATTEMPTING TO WITHHOLD OUR INSURANCE PROCEEDS AND APPLY THEM TO OUR LOAN! 

WE NEED IMMEDIATE ASSISTANCE IN RESOLVING THESE ISSUES!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
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 USC 1681. 

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

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency connot furnish an account without my written instructions.

15 U.S.C 1681c ( e ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2022-06-23
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022 I received my pension on my us bank reliacard. I tried to use my card but was unable to. I called reliacard and was told I needed to go online and verify my I'd as my card had been defrauded of money, I told them that I did not authorize that transaction. I received a new card and the money back that had been taken. I went online twice to the website to verify my identity on the XXXX and XXXX of this month, I also sent a copy of my oregon drivers license front and back with the information they require in the mail to the address they gave me. I have been calling reliacard periodically to see if the block has been removed from my card each time I'm told that they havnt received anything or any proof that my identity has been verified. This is my only income, I'm looking at eviction, my bills are very late I also ca n't drive my truck as my insurance policy was cancelled due to nonpayment. I've done everything reliacard has asked me to do and when I call they are not helpful at all. Then I was told that there is no guarantee that the block will be removed from my card if and when my identity is verified. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have filed a formal complaint against the credit bureaus about a bankruptcy reporting on my credit report. The furnisher removed that bankruptcy and the bureau has not removed the bankruptcy 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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account XXXX XXXX Account open has different dates Acccount last open has different dates

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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