BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We had fraud checks in our US Bank account XXXX since XX/XX/23 till we found out in XXXX. We started the claim process then and it's been 3 months we still haven't received the amount of total XXXX  XXXX they're suppose to refund us. When can we receive the fund?

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 2023-06-14
Company: FIRST HORIZON BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
About 2 years ago my First Horizon account was hacked and the person dropped a fake check into my account, i dont remember the amount but it was over {$1000.00}. After they dropped the fake check into my account my account was locked and i never talked to any one about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2023, XX/XX/2023, XX/XX/2023. Under different #. Most recent # XXXX. Received a call everyday this week from an unknown # 's. Answered the call and the person requested for me to verify my information. When I asked what company was being represented the person stated she couldn't tell me that information. I told her I will not give my information to someone who can't tell me who they are trying to collect information for. She then stated you are refusing to cooperate so I will note that and hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Netspend Corporation
State: MI
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:
On XX/XX/XXXX I received a email an alert stating that it was fraudulent activities. I reached out to Netspend and had them block and remove all cards and send me a new one which they did on XXXX I received new card! On XX/XX/XXXX I received a fraud alert, asking me that I knew XXXX XXXX reply back No! I called netspend and report that XXXX XXXX $ fraudulent transactions and XXXX more made by a XXXX b {$50.00} {$450.00} {$500.00} Netspend did nothing to protect my card from theses transactions my card wasnt blocked nor restricted until no more money was available! I was offered {$20.00} from netspend and now waiting for them to investigate which takes up to XX/XX/XXXX now Im left wondering how to pay bills and having trouble understanding how my card wasnt blocked when I received fraudulent alert! I was told it was a a temporary virtual card made on XX/XX/XXXX is how theses fraudulent activities were done

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 2023-03-07
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 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.

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. 

I gave no permission for any of this information to be on my consumer report. The information on my consumer report is thus in violation of aforementioned laws and must be removed.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-06-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my card and I disputed two transactions that I never made on XX/XX/XXXX with my bank Wells Fargo. 
My claim number is # XXXX, the total of the transactions was {$180.00}. One transaction was dated XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX for {$150.00} and the other transaction was dated XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  for {$29.00}. 
I never made these transactions and I received a letter from Wells Fargo stating that I or someone i know made these transactions. The letter also states that the claim will be reversed and I will be charged {$180.00} on 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 2023-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed while looking at my Wells Fargo account history that the following activity on XXXX/XXXX/2023 was posted : " WITHDRAWAL MADE IN A BRANCH/STORE ''. I did not make a withdrawal. the amount was XXXX dollars in cash. I called wells fargo and they could not tell me which branch or anything except that this was done using a handwritten check. i have never used a check in my entire life except for once, a cashier 's check to buy a car. that is it. This is definitely fraudulent.

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 monetary relief
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: OH
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 got an email from Chase saying they are reviewing my application about the Chase Freedom Unlimited. I tried calling Chase and they are asking about debit or credit card number, which I do not have at all. I already have my credit frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Made a payment with my XXXX XXXX  for my travel needs and when I made a payment I was told by representative that helped me with my payment stated it will reflect on my account in 2 days. I followed up 2 days after which was XX/XX/23 and was told that they can not release the hold till 7 days!! I was advised that they can escalate due to I was misinformed of the rep that took my payment regarding payment process and send a proof of payment which was sent to secured messaging. I asked to speak to a supervisor to help me escalate my problem and confirmed thats they received my proof of payment. I tried to follow up again regarding payment and unfortunately the supervisor that helped cant do anythIng to help! Out of the 3 supervisors I talked to only one had the compassionate and understands my situation. I am leaving in a few days for vacation and still no response!! Very poor customer service!!!

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 2023-06-16
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Complaint Regarding Improper Disclosure of Personal Medical Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper disclosure of my personal medical information by XXXX XXXX and Receivables Management Corporation. This violation of my privacy rights has caused me significant distress and raises serious concerns about the handling of my confidential information. 

I recently requested validation of a debt associated with my account from Receivables Management Corporation. To my astonishment, the documentation I received not only included basic information related to the debt but also sensitive medical details pertaining to my health issues and treatment. This disclosure of my personal medical information is a clear violation of my rights and raises concerns about the agency 's compliance with privacy laws and regulations. 

I believe the actions of XXXX XXXX are in direct violation of the following regulations : - The Health Insurance Portability and Accountability Act ( HIPAA )- which protects the privacy and confidentiality of medical information.

- The Fair Debt Collection Practices Act ( FDCPA )- which outlines guidelines for fair debt collection practices and prohibits unfair or deceptive acts by debt collectors.

Requested Action : In light of this serious breach of my privacy rights, I request the following actions be taken by the Consumer Financial Protection Bureau : 1. Investigate the improper disclosure of my medical information by Receivables Management Corporation 2. Ensure that appropriate penalties or corrective actions are imposed on the collection agency and the hospital for their violation of privacy laws. I never agree to have my sensitive information to be shared to Receivables Management Corp. Im embarrassed that they know my treatment and everything else.

3. Provide guidance and recommendations on how I can protect my privacy rights and prevent further unauthorized disclosures.

4. Advise me on any further steps I can take to address this matter and seek appropriate remedies.

I have attached copies of relevant documentation, which highlights the specific improper disclosure of my medical information. I appreciate your attention to this matter and your efforts to protect consumer rights.

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution of this issue and your assistance in safeguarding consumer privacy. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for a loan with XXXX XXXX XXXX yesterday online, and was approved. They told me to finish the process via telephone. During the telephone call they had me answer security questions, which I passed, but then at the very end they said they had to decline my application because I moved about 5 weeks ago and my new address was not yet on file with LexisNexis. I asked if I could go into the branch and show appropriate documentation like my government ID to verify my address, and they said no. LexisNexis said it was not what they had on file and solely because of that they had to deny my loan. 

I searched LexisNexis 's site on how to dispute my address and get it updated, and I found a document here : https : //consumer.risk.lexisnexis.com/img/Dispute_Process_Steps.pdf. The telephone address given for disputes regarding liens ( XXXX XXXX ) is an invalid extension. The number asks for 5 digits, and the 4 digit one on the document does not work. If you try to navigate the system, it just keeps putting you in circles to prevent you from talking to a human to place the dispute. 

LexisNexis appears to be actively trying to prevent people from disputing incorrect data that is affecting their financial wellbeing. I hope the regulators will persuade them to put a clear and functioning process in place for consumer data corrections, as their current conduct is harming the public interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I scheduled to have a company come out to conduct a specific service. 
They showed up collected my information and said they needed to leave to get equipment to do the service. Long story short they never came back and I tried resolving this with the company over the phone but they refused to come to the work as outlined on our predestinate. 

When I saw a charge show up on my card I filed a dispute with my credit card company. When My credit card denied my dispute the first time they told me I need more information on XX/XX/2023. I wrote down everything they said I needed and after investigating the matter further I found the company took my digital signature off my pre-estimate and applied it to a charge receipt. 

I filed a police report and reached back out to capital one informing them of the new information. Capital One gave me wrong information through out the process on how to handle this dispute then denied my dispute. They protected the company committing the fraud and not their customer. 

They told me to take it up with the police or other means. I find this to be criminal on their part as well for facilitating this criminal activity by doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Sunbit, 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: Account status incorrect

Complaint:
Sunbit is showing as late payment on my accoung, however this loan has been adding to my current open and active bankruptcy case. This should not be attempting to collect a debt while actively in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Receivables Management Corporation
State: SC
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:
Receivables Management Corporation Account# XXXX  

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: AVANTE
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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account numberXXXX Account name XXXX XXXX XXXX XXXX Account numberXXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A4. 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.

15 U.S.C 1681c. ( a ) ( 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 7 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.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: AXOS FINANCIAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Good afternoon, From Axos Bank ( routing XXXX ) Checking account ( XXXX ) to XXXX XXXX  ( XXXX ) Interest checking ( XXXX ) were transferred {$1000.00} dollars on XX/XX/XXXX. 

The XXXX XXXX checking XXXX was closed XX/XX/XXXX without somebody to contact me. I initiated this transfer, because I didn't know XXXX had closed my accounts. They never contacted me. 

This {$1000.00} should come back to my Axos Checking XXXX. I still have access to my online-banking at XXXX, and can confirm this amount is not visible at XXXX XXXX checking XXXX. The {$1000.00} are still missing from Axos Checking XXXX. 

I spoke several times with XXXX and XXXX agents. 
XXXX responded : " Dear XXXX, Thank you for contacting XXXX Bank. We value your business and are happy to help with your returned XXXX inquiry. 

Upon review of your profile, I see a returned ACH transfer of {$1000.00} on XX/XX/XXXX from Checking Account XXXX. These funds should have credited back to your external account by XX/XX/XXXX. Unfortunately, we can not provide further assistance with retrieving the funds as they are not in our possession. Please contact Axos and inform them that the funds were returned. If they can not locate the funds within their system, they may require that you file a new dispute so that they can process a chargeback from the XXXX system. I greatly apologize for any inconvenience this has caused. 

Thank you for choosing XXXX Bank. If you have any additional questions, we are here for you XXXX hours a day, XXXX days a week, by phone, XXXX XXXX, or Secure Messaging. Our toll-free number is XXXX ( XXXX ) or you can always visit us online at XXXX. 

Stay safe, XXXX XXXX. 
Customer Service XXXX Bank '' I have opened dispute case for it at XXXX. Here is the dispute : " XX/XX/XXXX @ XXXX PM Name : XXXX XXXX Dispute Reason : The money has been sent to my Ally bank account whicn was closed at XX/XX/XXXX. It's XXXX day ago the transaction itself. Ally bank account is : Account XXXX is XXXX and routing XXXX is XXXX. 
Account Number : XXXX Account Name : Checking XXXX Account Available Balance : {$210.00} Date Event : XX/XX/XXXX Transaction Description : XXXX Debit - XXXX XXXX XXXX XXXX XXXX : CHECKING XXXX : CHECKING Balance : - {$570.00} Transaction Amount : - {$1000.00} Transaction Date : XX/XX/XXXX '' Here is the conclusion : " We have completed our investigation based on the documentation we have on file and have determined that your claim will be denied because no error has occurred. 
Please contact the XXXX directly for resolution. 
For more information, please reach out at ( XXXX ) XXXX. 

Kind Regards, XXXX XXXX Axos Bank '' The complain is about : XXXX. {$1000.00} dollars which disappeared between two banks with an ACH transfer. 
XXXX. Ally bank closed all my accounts without a valid reason, and even without contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Netspend Corporation
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Netspend welcoming me to my " new Flare Account '' and informing me that my debit card should arrive in 5-7 business days. I emailed the company 's support, concerned about fraud, and was told " Flare Account relies on marketing services as a source for reaching potential new customers. '' This is not an acceptable answer as, by their own words, they already proactively opened an account in my name without my knowledge or consent. Additionally, when I tried the " forgot username '' link on their website, I received an email with an online username, seemingly confirming that they did in fact open an account for me. I have had no prior business relationship with this company and have opted out of information sharing with all companies I knowingly do business with. They also stated " We also only send offers to consumers who have indicated they are over 18 years of age. '' This is factually incorrect as I never provided them with my age. 

I have worked in finance myself for almost a decade and am quite familiar with the regulatory and compliance requirements for opening an account. This company is either fraudulently and illegally opening accounts for people unsolicited or is fraudulently informing people that accounts have been opened for them as a marketing tactic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have reported to the credit bureaus that information on my credit report was wrong and full of fraud but they have yet to correct this information or update it. Its been well over 30 days.

Company response to consumer: Closed with explanation