BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A lady sent me a message " by accident '' through XXXX. I tried to redirect her to the probable correct area code, and she thought I very nice to do that and started chatting with me. After several days of nice chatting, she mentioned that she was working with some computer installation people, and invited me to try a little Crypto Trading on the XXXX webste. It sounded harmless enough, and she led the way by providing Screenshots with every spot to click on identified, and she made the Trading experience fun and very profitable, by her following a sequence of trend lines and buying/selling nodes, and instructing me when to buy or sell various types of crypto. We usually traded XXXXXXXX XXXX XXXX XXXX XXXX, and we did exceptionally well. About 2 weeks in, she guided me to withdraw {$5000.00}, and that process went well. She often encouraged me to add more Principle so I could make bigger profits. I told her I was fine with the current profits at that time, and she finally convinced me to invest more in early XXXX. By the last week in XXXX, my assets were up to {$890000.00}. She said she wanted to teach me how to withdraw funds, and asked me to withdraw it all. I tried to do it, and forgot my Fund Password, and needed to change it. Because I did that, XXXX said that it triggered a possible scam or hacker alert, and that I would need to Deposit 25 % of my Assets to ensure that it was me operating the account. they stated that the 25 % Deposit would be part of my withdrawal. Because I had just inherited some funds from my late XXXX, I was able to pay another {>= $1,000,000} to prove that I was me. Again I tried to make a Withdrawal, and then they asked for another 5 % of my Total assets so they could collect the Personal Income Tax on my withdrawal and forward it to the IRS. I tried to explain that Personal Income Tax is paid on Income or XXXX XXXX, not on my Cost basis or additional Fees or Deposits. Unfortunately their Online Customer Service Computer was incorrectly programmed, and it repeatedly said the 5 % Personal Income Tax was based on the Total Assets. As there is NO Human interaction available to support their Online Customer Service system, paying another {$50000.00} was out of the question. I invested a total of {$300000.00}, + the {$220000.00} Security Deposit for a total of {$520000.00}. I am just sick over this, and have lost most of my life savings. I had transferred all of my funds using my Bank - Wells Fargo. Not once did Wells Fargo warn me against the investment nor did they question my sudden changes in the way i withdrew and made big investments.

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 2022-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
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:
Incorrect reporting on Citizens Bank auto loan. The account is reporting past due for the month of XX/XX/2022 this loan has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: MN
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:
Equifax responded to Complaint XXXX & Complaint XXXX stating that the disputed fraudulent inquiries were removed. That was a lie. On XX/XX/22 I received confirmation XXXX through my Equifax.com that the disputed inquiries will remain after only a 10 day investigation and no proof these inquiries belonged to me. This is not in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Self Financial Inc.
State: MD
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:
Dear CFPB : My Self Credit Card ( which is a secured credit card ) was stolen along with several other of my cards and ID 's in, what I remember as being XXXX or XXXX of XXXX. 
Before I could cancel the card there were XXXX charges to my card for a total of {$89.00} to XXXX business, a scooter rental company in XXXX which I can not recall. I never have rented a scooter and there were XXXX charges for almost {$20.00} each. 

I submitted my claim to get a credit for these charges. The Self Credit Card team would not approve or otherwise credit my account back for these charges. 

This caused me to be over-limit and start to miss payments as I could not handle the minimums above my credit line. 

I don't think this is fair or right. I appreciate your looking into this with SELF and hopefully we can come to an equitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: JPMORGAN CHASE & CO.
State: NY
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 bought a motorcycle tank on XXXX from a seller name XXXX XXXX XXXX XXXX XXXX ) for {$950.00}. The seller described the tank for being for a XXXX XXXX monster XXXX after buying and sending it to the shop, the mechanic told me that the tank does not fit my bike and that it was wrong. i then told the seller who admitted to sending the wrong tank. they wanted me to mail the tank back to them which would be the equivalent to the tank price over seas. i refused as it was their mistake. i told chase bank that the seller wronged me and that it was their fault. i also had proof of the dispute. Chase bank closed by dispute simply by saying that the seller sent the product. they didn't take my evidence into account. I lost alot of money and i want it back. please help me. my chase claim number for this dispute is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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:
Upon being denied from a lender for " too many inquires '' from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my  XXXX  credit report that I DID NOT authorize and had no knowledge of. I contacted   XXXX   immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.    XXXX   XXXX    XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint already last year on XX/XX/XXXX with complaint # XXXX. Then I received a letter on my email on XX/XX/XXXX saying my complaint was closed because you couldnt contact me because you need more information. Im sorry but I just came back from vacation and couldnt reply to you. 

I would like you to please open that complaints again because its very important to me. Imagine XXXX  XXXX foreclosed on my house even though I filed for a bankruptcy protection agency in XXXX, NJ. I paid about {$77.00} first installment fee for a {$300.00} plus fee. The bank immediately informed the tenants to move away immediately because XXXX XXXX   foreclosed the house. They even changed the lock right away so one of my tenants who was on vacation couldnt go inside his apartment when he came back. His belongings were stuck in his apartment. The tenants were calling me to open up the apartment so they could get some clothings and other stuffs but I couldnt do anything because I didnt know who to call then. They locked the front door of the building so nobody couldnt go inside. What a terrible bank is it! 
I hope you could do something to help me get back my house. If you would go back to your file previously, I did asked for your help three times to help me ask the bank to give me a lower rate or do a modification on my mortgage. 
But the bank just ignored me until the sad part happened. Is there any chance to file a lawsuit against this horrible bank? Please let me know because right now Im poorer than a rat. 

Waiting for your reply. 

Thank you! 

PS One of your representatives I talk to last week when I received an email on XX/XX/XXXX regarding my complaint was closed said to file again this complaint separately. Because I filed four companies together in my last complaint # XXXX. 

One bank and three credit bureaus. 
So Ill file again 3 complaints regarding the credit bureaus. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have no recollection of these inquiries on my account I have called I have written and nothing has been done XXXX XX/XX/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 XXXXXX/XX/XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the Bank of America Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind with them.

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 2022-09-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Filed disputes with credit company after very short time they claimed accounts were verified and remaining on credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They claim they verified and remain these companies have not proved ownership of these accounts

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX OF 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 In accordance with the Fair Credit Reporting act XXXX OF 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 i also have an unauthorized inquiry reporting 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 2021-03-23
Company: Chime Financial Inc
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My wallet was stolen w my debit card and XX/XX/XXXXcard I reported it stolen to chime bank they sent me a new debit card so while I was waiting for them to send me a new credit card I was transfer my automatic credit deposits back into my checking because u don't need a pin for that card. They closed my account 10 mins after I had a XXXX dollar deposit made said that transfering my money out of my XX/XX/XXXXwas against policy that they would send me my money within a month. I sent proof of identity 6 weeks ago they have no customer service agents to speak to and every time I email them they tell me to give them a month it's always an automated responce. It's my belief that they r hoping I will forget so they can keep my money. I don't understand why I can't speak to someone or why they haven't sent me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: MO
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:
JPMCB Card Services pulled my credit without my permission on XX/XX/XXXX and XX/XX/XXXX. I am requesting they correct this inquiry by removing it from my credit as shown via XXXX XXXX Credit Reporting Agency immediately. In addition please provide a statement verifying the error was corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: MD
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 'm XXXX XXXX 2017 I noticed XXXX XXXX re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX CXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX OF 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 In accordance with the Fair Credit Reporting act XXXX OF 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 i also have an unauthorized inquiry reporting 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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate

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 2020-04-17
Company: Innovis
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested my report from this bureau, and they have refused to provide me with it. I have sent two request and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I fell on hard times due to the economys up and down drifts and world finance closed my account. Which is a charge off on my credit report. I would like to work out a payment plan and to have them re open it or atleast not have it as a charge off so I can start paying it down in increments

Company response to consumer: Closed with explanation