BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The following hard credit inquiries appeared on my credit reports XXXX 2021, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with XXXX, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities. 

I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX XXXX, XXXX, inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - XXXX on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( 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 2023-03-22
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-05
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Radius XXXX sent me an email correspondence regarding a debt that is not mine from XXXX XXXX XXXX and basically XXXX XXXX XXXXXXXX XXXX and saying they would like to settle with me for a couple of XXXX dollars {$240.00} debt total was {$600.00}. I sent an email correspondence letting them know the debt is not mine and called them. When I called they said the fraud department was busy and would call me back in XXXX hour which I know isnt happening because its a scam. I did verify last XXXX digits of my social security and as soon as I said the last XXXX numbers the representative says oh its not you but they will call me back. I got scammed like this XXXX  years ago and XXXX not and dont want to go through it again.

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 2023-06-21
Company: EQUIFAX, INC.
State: WA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX/XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My personal credit information is not reporting on XXXX XXXX XXXX Equifax and it is not allowing me to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have banked with Regions since 2018, I've been a long time loyal account holder and when I saw that they have been illegally charging overdraft fees from clients for years everything began to make sense. I've been hit numerous times with multiple overdrafts since I've had an account. I never noticed before because I believed it was my own error with my finances but I began to notice that there were times I would be hit even with sufficient funds in my account. I'd like to file a claim to see if I'm eligible for a share in these refunds that the company has to so rightly return from us. It's hard to trust banks in the first place but now to see how much fire they're under in the past decade ; where can I place my trust in knowing my money is secure?

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
These inquiries were obtained without my consent 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 2023-06-13
Company: ALLY FINANCIAL INC.
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an auto loan through Ally. The car was totaled and I was told the gap insurance did not cover it. The account was sent to collection ( XXXX XXXX ). I called into XXXX and agreed to a settlement amount of {$330.00}, of which I would make a monthly payment of $ XXXX month starting XX/XX/XXXX. I set up automatic payments. The last payment was made on XX/XX/XXXX. XXXX never sent me any confirmation, nor did they send Ally confirmation and they are stating I still owe the entire balance. Please help!!! I have attached my bank account statement showing where I made all 10 payments.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America was derelict in their duty of care to its customers when it allowed someone to fraudulently open an account with my name, address and SSN. I notified them of the fraud on immediately when it happened. Bank of America was lax in their internal controls allowing this to happen. Furthermore, BofA has compounded the problem by creating an undo burden to support my claim of identity theft fraud by asking for the following information : Copy of Drivers License, Copy of SSN card, Copy of SSN Statement, Proof of Residency, copy of Police report and original documents. BofA demonstrated poor internal controls in opening the fraudulent account. Why should I trust BofA with any additional highly personal information when they have not demonstrated reasonable care in handling financial information.

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 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX XXXX, IL XXXX I went to the XXXX XXXX, IL Bank of America on XX/XX/ to open up a business account, I already have a personal bank account. I worked with XXXX XXXX. She would not open the account for me and I felt that she was racially profiling me and was treated me very disrespectfully. She talked loudly and tried to humiliate me in front of the other clientele and was extremely unprofessional. I left the bank frustrated and embarrassed. 



I went to XXXX, IL Bank of America on XX/XX/ where I had opened my personal account. I worked with XXXX XXXX to open my business account. She was professional and courteous and was able to open the account and deposit my business check at XXXX in the amount of {$45000.00}. I was told there would be a hold on the account until XX/XX/XXXX. The next time I tried to check my account I was unable to log in as the account was locked. I had to go into the bank and was told the check had cleared. I had to talk to people in the Risk Department, Claims Department, and Fraud Department stating that the check was fake. 



Of course, I was unable to get my original check back ( as it was cashed ). I was then told I would receive a cashiers check, which was also reneged on. Lastly, I was told they would send the money back to the IRS and the IRS could resend me another check. In talking with the IRS they have never heard of anything like this happening before. 



I am planning to pursue legal action as there was a multitude of shady business practices involved. My biggest question is where was the money from the time you cashed the check and who was receiving the interest on that money? For a reputable bank this is completely unsatisfactory. I am still without my money.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX has reporting a increase in my balance to all XXXX credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called XXXX on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all XXXX of my credit reports.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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.

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 2023-06-23
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXXXXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXXXXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2022 my business office and drawers was broken into and my checkbook was stolen. This incident happened during XXXX XXXX. On Monday XX/XX/XXXX I went to the Wells Fargo branch at XXXX, CA ( XXXX XXXX XXXX XXXX ) informed them about the theft, and asked them to shut down the bank account. They did close that bank account and set up a new bank account for the company and transferred balances. However, later on when we were reviewing bank accounts, we saw that two of the stolen checks ( with the old account number )

had been deposited and cashed out of the new bank account on XX/XX/XXXX. We have tried handling the issue with Wells Fargo bank, but Wells Fargo bank has not refunded the money to us. It seems that there was no point in closing the old account and reporting the theft because the bank did not stop the payment for the stolen checks. We would like this issue to be resolved with the bank.

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 2023-06-26
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had reached out to Barclays back in XXXX about enrolling into the service member civil relief act. I had reached back out multiple times submitting a rebuttal but have yet to receive a response back. It has been over 30 days and I was told over the phone that by law Barclays is required to respond. I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I am currently reside in XXXX of the XXXX key provisional states that extends these benefits even after a service member has joined the service. I understand that Barclays follows the federal law to the letter, but other federal owned banks that I had loans in have honored the Louisiana legislation without a snarky response over the phone. 
https : //legis.la.gov/legis/Law.aspx? 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 2023-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning CAPTIAL ONE, N.A. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was selling a dresser on XXXX XXXX and a buyer with the name XXXX XXXX XXXX contacted me for this. There was no reason for suspicion at first, we discussed when he can pick it up and then he asked me for my XXXX email account so that he can transfer the amount ( {$75.00} ). Shortly after, I received a strange email from XXXX. While this was unusual, there were no signs of phishing, so I trusted it. It had asked me to have the buyer send me {$400.00} so that I can raise my limit to a business account. The buyer called me and said he would do so and trusted me to repay him that amount immediately. And so I did to the email account- XXXX and name XXXX XXXX XXXX XXXX After this, I received a confirmation from XXXX again. I realized later that I typically receive confirmation of such transactions from my bank and I had not, which is why I started to suspect this. XXXX emailed me again to send {$600.00} more, which I did not send since it was all too suspicious. I searched it up and read about similar scams others had fallen victim to. I called Bank of America immediately to report this and get the charge disputed. I am currently waiting on the claim to be filed.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a lease with XXXX XXXX and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the XXXX XXXX account from my credit reporting file with all 3 bureaus.

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