BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX. XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Untitled { XXXX } XXXX XXXX. XXXXXXXX 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 2022-06-25
Company: ACIMA CREDIT, LLC
State: NJ
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 received my bill from XXXX  and notice my credit score had drop by XXXX points, so I called XXXX and they told that, I have a charge off on my credit report. I explained to them that this was not my account and disputed with them twice and they come back to me with the same results. The information that the company reported is accurate and the item will not change as a result. I also called the company ( Acima Digital FKA Simple ) and spoke to them about this. However, they wanted my information so they could pulled up the account. I only gave them my name because if I would have gave any of my information they would have attached to the account. They told me that leased some stuff from them and gave my the address in which I never lived. The address is XXXX XXXX XXXX, XXXX NY XXXX. I've never lived in New York and never heard of this company, as I explain this to XXXX who has all my important information and told me I need some kind of paper work to prove that this is not my account. How can I have any paper work from a company I never did business with or never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Fraudulent wire was made in my online banking account for {$28000.00} on XX/XX/23 XXXX AM XXXX  to an unknown and unauthorized bank account. I caught it and called Discover Bank at XXXX PM XXXX and told them to cancel and stop payment immediately! This was within 4 hours of the wire attempt. They confirmed and said they put the wire on recall. 

I called multiple times in the next days and each time they said the wire was still on recall and I had to wait. I kept asking and requesting for a permanent stop, but they kept telling me they could only recall. 

The email I had received with original info of the attempted wire transfer ( that I did not make ) states, " A Wire Transfer Specialist will verify your wire details before the transfer is processed. '' No one ever called me or verified anything with me. Absolutely no money should have been sent without verified consent. But more importantly the wire should have been stopped as soon as I called them to inform them. 

Furthermore and worst, at XXXX AM XXXX  on XX/XX/23 I received a notice from Discover Bank stating the funds have successfully transferred!!! How could that be possible if I told them it was fraud and to stop payment?! And they had already confirmed it was on recall. 

After many requests and demands, they would not make it possible for me to speak with a wire specialist or anyone that could give me the help I needed such as wire details, the bank account the funds were wired to, name, account number, or anything that could help me take action on my own. I was willing to do everything in my power, Discover Bank was not. 

This is my life savings and I am currently unable to buy basic life necessities like food and water and Discover Bank did nothing after I told them to STOP PAYMENT! 

It has now been over 4 full days since I originally called and the bank has not recovered the funds they wrongfully processed nor a phone call from an investigator or anything of the sort, and I am left with no time frame either as to when they will be returning the funds back into my account that I use for every day survival. 

Federal reference number for Wire transfer XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela is not accurately accounting for my payment history or PSLF eligibility as it was documented for years under XXXX. As a result, Mohela is demanding payment for loans that should have been forgiven under the PSLF program with the rest of my loans. 

In XX/XX/XXXX, my loans were transferred from XXXX to Mohela. Under XXXX, 4 of my loans were categorized as Loan sequences XXXX, XXXX, XXXX and XXXX all under the Direct Loan Special Consolidation Subsidized Loan dated XX/XX/XXXX. All four loans had the same qualifying PSLF payment history. But Mohela erased the payment history and eligiblity count for Loans XXXX and XXXX. Consequently, my PSLF application was not applied towards loan sequences XXXX and XXXX while the other loans were forgiven. Mohela refuses to provide any proof or justification why they erased my payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Untitled { XXXX } XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
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: Credit inquiries on your report that you don't recognize

Complaint:
There are hard inquiries from several companies I do not recognize. Such as, XXXX, XXXX XXXX XX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/2022, I called Capital One customer relationship department to advise, provide and have them correct my date of birth in their files. I also provided them with copies of my Social Security, my MA-STATE driver 's license, and an affidavit proving my identity. I also several times talked with customer service to make sure that was corrected and some say yes and some said was not! I currently have XXXX products with Capital One ( Credit Card-Auto Loan and XXXX Account ), but from the first week of XXXX, I have not been able to have access online to none of my accounts. I have spent over XXXX hours in several calls and talked to supposedly XXXX XXXX, and all kind and type of Management and nothing have been resolved. I have put a " XXXX '' and asked to escalate this issue of online banking but nothing has been done! At this point, I'm being affected because I can't see my checking account transactions or make my car payments or credit card payments. 
I am now afraid that due to this issue, my payments will default, and soon rather than later they will report me to the bureaus and affect my credit score. As of today 's date of this complaint ; I ' am in the process of buying a house but super worried due to the incompetence of the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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 been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 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 explanation
Consumer complaint received 2022-09-20
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Please note copies of emails comments available and in mail to you US BANK TOOK ACTION AND CLOSED ACCOUNT BECAUSE THEY DAID I MADE FRAUDULANT DEPOSIT FROM A LINKED ACCOUNT PAYABLE TO ME FROM MY OPEN XXXX ACCOUNT CHECKS RETIRNED UNPAID A MISTAKE FOR XXXX I HAD NO MOBILE DEVICE TO TRANSFER FUNDS ONCE FOUND MISTAKE I IMEDIATLY CONTACTED AND TRIED TO DEPOSIT CASH TO TAKE CARE OF OVER DRAWN ACCOUNTS ENDING IN XXXX & XXXX A MANAGED SENIOR ACCOUNT US BANK REFUSED SUCH STATING ITS IN CLOSED STATUS AND ALL DIRECT DEPOSITS AS WELL BRANCH DEPOSITS A XXXX US Bank took retirement Social Security income mine as well as my mother 's a XXXX XXXX XXXX XXXX senior accepted direct deposits not to mention my retirement deposit satisfied overdraft held the re remainer of available money over {$3000.00} dollars as of now 1 month laspe still not received please refer to comments and interoffice correspondences XXXX personal not from associate XXXX XXXX and XXXXXXXX XXXX  after review you will ser astonishing remarks about there position and there lack of power to correct not to mention the higher s lies to the response PLEASE EXSCUSE TYPO ERRORS AS IAM XXXX AND DO TO LACK OF FUNDS AND UNABLE TO UPGRADE IAM WORKING OFF A 4 INCH SCREEN 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 2023-09-16
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see attached documentation as it details my full and complete dispute with Experian.

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 2023-12-06
Company: EQUIFAX, 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:
I have provided the accurate payoff statement for this account that is reporting as late payments in error and Ive provided valid evidence to support my claim ; i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you UPDATE!! my payment status to PAID AS AGREED NEVER LATE ( PAANI ) immediately -XXXX XXXX XXXX Date opened : XX/XX/XXXX Account XXXX XXXXXXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I believe I am a victim of identity theft, and I did not consent these credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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 2023-09-16
Company: Experian Information Solutions Inc.
State: OH
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 36 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 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and XXXX have gotten compromised.

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 2022-06-25
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
CONFIDENTIAL Dear Consumer Finance Protection Bureau : My name is XXXX XXXX. I am an XXXX duly licensed to practicXXXX XXXX XXXX XXXX ( MN XXXX. Lic. No. XXXX ) I am representing XXXX XXXX ( XXXX XXXX XXXX ) with respect to her loan with Truist Bank. 

My client was approached by a HVAC contractor who offered to make a loan to my client to complete some needed work and improvements at her home. My client is XXXX and XXXX, so this was of interest to her although details were not discussed. Of particular concern to her were the amount of any payments. 

The HVAC contractor completed the work and said everything with the financing was complete, which confused my client a bit. Apparently, the HVAC had some connection or arrangement to sell my client 's debt obligation to Truist Bank. There have been endless problems ever since. 

The documents attached to this CFPB complaint I am filing on behalf of XXXX XXXX ( XXXX XXXX XXXX ) provide extensive details about what I have requested to Truist Bank of investigate and resolve these matters on behalf of my client. Truist Bank has failed to comply with my requests. 

Once Truist Bank investigated these matters and replied to my requests, the intent was to try entering into some type of settlement arrangement with Truist Bank satisfactory to my client. This does not appear likely at this point. 

In addition to the facts described in the attached documents, it is my opinion as an experienced bank attorney that Truist Bank is likely to have committed violations of federal and state law including but not limited to the following : -- Unfair or Deceptive Acts or Practices ( UDAP ) -- Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) -- Fair Debt Collection Practices ( FDCPA ) -- Fair Credit Reporting ( FCRA ) The attached documents and the above-referenced factual outline should be sufficient to commence this complaint. Thank you for your attention and assistance with these details. 

XXXX XXXX XXXX XXXX XXXX  XXXX ( MN Attorney XXXX ) Email : 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 2022-06-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been stolen from by Wells Fargo 2 times this year. I deposited a check for {$630.00} in XXXX which they later took out saying i deposited it twice they took the money back out in XXXX and then i deposited a check for {$890.00} in XXXX that they again took out saying the same thing and took the money out in XXXX. Then said it was my fault that the money was taken. I want my money back. I then got screwed out of my son social security XXXX money because my account was over drawn because of them. I filed 2 claims and nothing was done about it.

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 2022-06-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Block, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Im filing a complaint against the company because I noticed a unauthorized charge of {$350.00} made on my account at XXXX on XX/XX/22 I contacted cash app about the unauthorized charge soon as I noticed it back in XXXX. They constantly ignore me and refuse to refund me for the unauthorized charge that was made on my account and Im very upset {$350.00} was stolen from me and the company doesnt even care and refuses to refund me for the unauthorized charge. I would like to sue the company if Im not able to get my refund for the unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: OPORTUN FINANCIAL CORPORATION
State: NV
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:
Oportun reported again to my credit report an account opened in 2016 resulted in an identity theft. I disputed that account several times with the credit bureaus and the credit bureaus removed the fraudulent account from my credit report and Oportun reports this fraudulent account again and again. This company should be investigated for ilegal and oppressive collection practices. 

Account listed in my credit report XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used an atm at XXXX in XXXX owned by XXXX on XX/XX/XXXX. I did not get my money ( XXXX ) out of the atm within the allotted time so the ATM locked my money and my bank Chime is refusing to credit the money back to my account.

Company response to consumer: Closed with explanation