BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This company has refused to honor my requests and properly investigate my disputes citing on numerous occasions that " A credit repair company was used to issue disputes '' when in fact I mailed these disputes myself. I've sent in an updated police report, FTC reports as well as numerous requests to resolve my issue all to my dismay.

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 2023-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was checking my credit report today on XXXX XXXX, and, a collections account had been opened by LVNV Funding, LLC, in XX/XX/, however, I have never received any mail regarding this collection account from LVNV Funding, LLC, nor, regarding any information about the account, nor information about disputing the debt, etc. I literally have received no mail from this company whatsoever regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
-Experian, XXXX XXXX XXXX is violating my federally protected consumer rights.-Experian, XXXX & XXXX is furnishing a consumer report that claims I have 2 separate accounts from Bank of XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
XXXX, Experian XXXX XXXX XXXX XXXX never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) .-Experian, XXXX & XXXX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information.-It is clear that Experian, XXXX & XXXX has violated many of my federally protected rights by furnishing this information on my consumer report. 
-According to 15 U.S.C 1681n ( a ) ( 1 ), Experian XXXX XXXX XXXX XXXX XXXX liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
EXPERIAN, XXXX XXXX XXXX MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER 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 explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-10-12
Company: Advance America, Cash Advance Centers, Inc.
State: LA
Product: Credit reporting 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:
No actions were taken by these companies. 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 USC 1681. 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 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 1681 s-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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It seems that Capital One has found a way to extract exorbitant fees by unilaterally recategorizing a class of transactions as " cash advance '' transactions without notice or informed consent from the consumer. 

I have used my Capital One credit card for an automatic monthly transaction/payment with an online vendor, which I began charging to my credit card in XX/XX/XXXX. Since the inception of this transaction, there were no additional fees aside from the normal credit card interest for all transactions. Then, without notice or my informed consent, in XX/XX/XXXXXXXX  Capital one began charging me a " Cash Advance Fee '' of {$10.00} per transaction plus a separate variable APR which is currently at 30.15 %. Since XXXX, I've been charged a {$10.00} fee plus the 30.15 % APR for a $ 56 monthly transaction. 

When I spoke to a Capital One rep, he explained that there was a " promotional offer '' that I accepted when my account opened that had expired in XX/XX/XXXX. Given that I've had this card since XXXX, it's hard for me to believe that I had opted in to a promotional offer that happened to expire after 18 years. When I spoke to the rep, I expressed my frustration with their practice, but he did not remove the fees. This seems like a sneaky and deceptive method of extracting exorbitant fees from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I opened a Wise account on XXXX XXXX and everything worked fine until XXXX XXXX when Wise deactivated my account for no reason. 
So I appealed and followed the instructions to make a request. 
My account was blocked from that date and no money came in. However, I still have money in my account. 
After making several calls, sending a complaint directly to Wise and calling customer service several times, I still have no answer. 
After several calls, they haven't been able to tell me the reasons for closing my account, and that with the appeal form I was at least going to be able to transfer the money from this account to another account. 
To date I've had no news, no way of transferring my money and they've given me no solution. 
i'm desperate and don't know what to do, i need this money for my business. 
Normally they have to give a reply within 14 days, and I've still got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 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

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 2023-10-11
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 View full complaint

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX  continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.

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 2023-10-11
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:
My phone was stolen and hacked into using my on the XX/XX/2023 and on XX/XX/2023 a XXXX transaction was made for {$470.00} i was not in possession of my phone at all because it had been stolen and i provided paper documents that report that i was not in possession of my phone when those transactions were made. Chase bank refuses to give me a refund even though i provided them with proof that my phone was not in my possession when those transactions were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Activehours
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I use an application called EarnIn. Earning is designed to send you up to {$750.00} dollars and you have to pay it back the day you get paid from your job. I have used it before and it really helps when you are in a bind between checks and are in an emergency. 

This company has a new feature where you can pay it back early. I selected the option to see if I can be able to make partial payments or the entire payment. Well, I wasnt given the option and was told after selecting the option to pay it back that it was scheduled for the next business day. I immediately reached out the company through their help desk to cancel. 

I first spoke with XXXX XXXX regarding the issue. She asked me if I wanted to use the remaining amount left to withdraw and I said yes. I was then told that the issue was resolved and the payment scheduled for XX/XX/2023 was canceled and to contact them on XX/XX/2023 before XXXX XXXX EST to reschedule the payment. I had confirmed with what I was told and she said it was correct. 

On XX/XX/2023, I woke up to a text from my bank saying that my account is negative {$400.00}. I immediately contacted this company back and spoke with the same person again. She was not fast to answer as this was a serious matter. She then responds by saying it can be rescheduled but you wanted to use the remaking amount left. I told her that she didnt clarify what she meant by using the remaining left over and I thought she was referring to what was already there, not what was gon na be there the next day. I was then told the process was not canceled because of that. 

I next spoke with XXXX XXXX. They were told the whole issue again and also included screenshots of the chat. He then said we can not reverse the funds but we will help you with bank fees if there are any. I explained to him I was told and double confirmed that the request was reversed and now I was being mislead. He was sending passive aggressive comments back and was not really taking care of the issue. I was told that when they brought out the feature, they did not create an override function for situations like this. Once I brought up that they have created a UDAAP issue, thats when everyone started caring more and watching what they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 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 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.

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 2023-10-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX As I had an appointment time XXXX I XXXX Wells fargo bank XXXX XXXX XXXX They made me waiting over30min time is money I got banker man XXXX I show him ID bank other statements Debit card and asked open account of Wells Fargo, he asked me job XXXX XXXX answered I work at XXXX got XXXX calls that time I couldn't answered some calls but I realized I spent XXXX at the bank I had to go for work. 
I asked him please faster and how min I left for done, but this dark skin XXXX hair man not happy for that but they wasted my time XXXX for waiting even if I had an appointment. 
I had to say I have to go after he came back from processing my ID and Debit card for copy room. 
He said " OK bye bye '' for good. '' I was wondering simply bye bye and gave my ID back so. I was plan come back another time and next day I got XXXX mail XXXX appointment and I made an appointment XXXX XXXX of XX/XX/2023 again with other email and different phone number because they canceled again again when I was heading that location. 
I found out their computer screen shown my ID photo and Debit card As a blocking As a customer. I was talking manager she said I can't opening account forever this Wells Fargo but go other bank and ask. That's shocking me still. What did wrong? Why they have my XXXX still even if I m not opening account and why can't verifying my status? 
I have no problem they treated me as a criminal ID and Debit card on their computer system as a blocking something can't open Wells Fargo forever WHY? It's so mad me and depressed and shocking. 
They have no right to have my DATA on their computer system blocking photo treats.i want remove all my ID PHOTOS AND DEBIT CARD PHOTO.

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 2023-09-26
Company: EQUIFAX, INC.
State: MD
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:
I noticed XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SD, XXXX, doing business as XXXX XXXX placed a hard inquiry on my credit report without my knowledge or consent on XX/XX/2022. 

I immediately contacted all parties and requested copies of a signed authorization or recording showing I requested a line of credit increase or gave any authorization to obtain copies of my credit reports or score. 

XXXX XXXX may have offered a line of credit increase but never disclosed to consumers an inquiry would be placed that may impact their credit scores or rating in direct violation of the Fair Credit Reporting Act. 

I requested XXXX XXXX immediately reach out to the three credit bureaus and remove the hard inquiry. To date, all parties have refused and placed the consumer on a 30 - 40-minute hold to get through to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report and noticed a company I had no dealing with. This company XXXX XXXX XXXX XXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Please delete this account immediately

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 2023-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, Bank of America closed my debit card with a balance of over {$6000.00} and promised to send it to me in the form of a check within 15 days. But, it has been over 2 months and I have not received the check yet.

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