BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i was scammed on XX/XX/22 to transfer {$1000.00} to a scammer through XXXX. I was under the impression i was posting a bond payment, but it turned out that it was a scam. I did contact my bank USAA right after I realized i was a victim of scam, but they are refusing to refund the amount. some of the facts : - amount {$1000.00} - i did not transfer funds willingly as i was scammed/coerced to do so- i did attempt to retrieve the funds through my bank USAA, but they refuse to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I'm being Charged Fees that caused me to be late on my Rent and Car payments. The Bank failed to do their job. From the start of this account until now. I've tried several times to correct this issue 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 explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX, XXXX, and Experian each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all XXXX companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. XXXX and Experian are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.

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 2023-03-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/ XXXX XXXX  XXXX XXXX XX/XX/.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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:
Credit Reporting agencies improperly reported information on my consumer report. The information was disputed and the results came back from the agencies as " Verified '' but still showing incorrect information and shows they did not conduction a " Resonable '' investigation as required by the FCRA. The account is a collection yet showing a past due, also payment grid showing incorrectly.

This is a violation of : 15 USC 1681e ( B ) - Maximum Reporting Accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy I have uploaded the Investigation results as proof of the poor investigation and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened my business banking account for XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX THE MONTH OF XXXX XXXX 2022. Today XX/XX/XXXX of 2022  my account is overdrawn by {$320.00} all of NSF fees ( non sufficient ). I have not overdrawn this account since I had it this is rediculous. I am requesting to have these fees waived and for my account to be back positive. I do not have the funds to pay this right now regarding inflation, and being a single parent of 2 to pay these fees.

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 2021-01-18
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I sent money to a person for a product that I was scammed for and never received the item. I was sent an invalid/fake tracking number but CashApp declined my claim and my bank is saying that I used a P2P merchant service even though I claimed item not received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-06-09
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:
Credit Reporting agencies improperly reported information on my consumer report. The information was disputed and the results came back from the agencies as " Verified '' but still showing incorrect information and shows they did not conduction a " Resonable '' investigation as required by the FCRA. The account is a collection yet showing a past due, also payment grid showing incorrectly. This is a violation of : 15 USC 1681e ( B ) - Maximum Reporting Accuracy 15 USC 1681i ( a )
( 1 ) ( A ) - Procedure in case of disputed accuracy I have uploaded the Investigation results as proof of the poor investigation and inaccurate 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 explanation
Consumer complaint received 2022-08-03
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Good Afternoon, My name is XXXX XXXX, I got a {$40.00} money order at the XXXX and XXXX XXXXn XXXX MA XXXX XXXX XXXX XXXX on XX/XX/2022 to pay a parking ticket. I went to XXXX XXXX XXXX and gave them the money order with parking ticket. a week goes by and the money order and ticket were mailed back to me because they said i paid to much. I called XXXX XXXX and they said I can now make payment online so that's what I did. So I went back to Stop and shop to get a refund for my money order because I didn't use it and they said they cant refund it and to go to my bank. I went to my bank and they said they cant cash it either it has to be cashed where you got it. So I do not know what to do and i really dont want to lose {$40.00}. So can you help me get a refund on this money order? Money order # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in accordance with the fair CREDIT REPORTING AGENCIES ARS Account Resolution acct # XXXX has violated my rights 15 U.S.C 1681 section 602A states i have rights to privacy 15 u.s.c 168 section 604a section 2a consumer reporting agency can not publish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: KEYCORP
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't consent to yearly hard credit pulls as it hurts my credit. Most mortgage lenders only do soft pulls or reviews. By KeyBank doing yearly hard pulls, they are destroying my credit score which is counter intuitive to their purposes, unnecessary for them, and damaging my financial status. I just had a hard credit pull by KeyBank and I want it removed and any future ones without a good reason, to be soft pulls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: SYNCHRONY FINANCIAL
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Synchrony bank has a my motorcycle in credit report as a repoed it was almost but never was I have taken care of problem my bike is still in my possession and was switched to a different bank but payment are being paid and bike is with me

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 2022-08-24
Company: Experian Information Solutions Inc.
State: NY
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:
I was checking my most recent credit update and I have notice that XXXX account number XXXX is reporting a negative on XX/XX/2022. I have Closed and Paid XXXX in full on XXXX XXXX. I have attached the payment confirmation and my drives license. The information reported is incorrect and damaging. I need this investigated and addressed as soon as possible, Please and Thank you!

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 2022-10-25
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I set up one ( XXXX ) $ XXXX transfer from my First Interstate savings account to my external US savings account. I received two separate emails from XXXX saying they received my request to transfer $ XXXX. I contacted XXXX saying I only authorized one transfer for $ XXXX. A few days later I got emails from XXXX  saying three ( 3 ) external transfers for $ XXXX each were completed on XX/XX/XXXX. I sent multiple secure messages to XXXX saying I did not authorize three separate transactions, only one. They responded saying my account showed three separate transactions that only I could have made. At no time have they ever answered my specific questions or believe me when I said I did not make three separate transactions on the same day for the same amount of money to and from the same accounts, they simply close out my ticket. I only authorized $ XXXX be transferred from my account not $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, 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 with 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 2022-08-24
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a student loan, I went onto my account to see the balance. It said XXXX  when I wen to see loan history, I saw that on XX/XX/22, it was sold. I was given no information about this and can not seem to get a response account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22, I mailed a letter drafted from my Financial Advisor to CCS Collections. I did not hear back from them. Over a month later, XX/XX/22, I called them back. They stated that they have not received my letter and that they are " behind. '' After explaining the contents of the letter and my intentions to resolve the debt in full, they stated that they would not be able to help me resolve the debt showing on my account under the conditions the letter articulates. I asked them to put their refusal to accept the conditions in writing. They stated that they will not put anything in writing. I re-submitted the letter to their website correspondence. While on the phone with CCS Collections, I asked them to make note that a call back will not work for me, I will need their response in writing. They stated that they " will make note but will not be writing back, [ they ] prefer to call. '' I asked what happens if I can not answer the phone when they do call. They gave me an unclear answer which deduced to them just not making any further attempts to communicate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have filed numerous complaints against XXXX, Experian and XXXX XXXX for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, XXXX has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has Experian obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  XXXX  XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all Credit Reporting agencies shouls be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: CA
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:
My XX/XX/XXXX I applied for a re-finance loan with JP Morgan Chase mortgage. XX/XX/XXXX email update states I need to provide creditor with " Can you send a copy of the back of that Discharge of Debtor? Our review team is needing all pages ''. I filed bankruptcy XX/XX/XXXX. Why is a creditor looking at that on credit bureau 12 years later? When I filed the attorney stated it would only show for 10 years. 

Now I can not refinance since I can not provide this paperwork, albeit after statue of limitations date is past. I find this unacceptable, how can it be fixed on XXXX? 

Thanks much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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:
AidVantage is my loan servicer and I have 3 active accounts and multiple closed and tranferred accounts with XXXX balances on my credit reports. I requested to have them removed and AidVantage and the credit bureaus will not removed they are considered verified. I requested the closed and transferred account be removed only not the 3 current accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
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: Information belongs to someone else

Complaint:
I submitted a SS # mixup dispute ( between my sister and my SS # ) with Experian on a student loan with XXXX XXXX XX/XX/XXXX. They sent a copy to XXXX but XXXX wouldn't remove it. My XXXX  called to follow up and they required addtional documentation which my XXXX  uploaded on XX/XX/XXXX. We have been following up regularly and everytime we call, they say a few more days. They won't talk to me even if its my SS to follow up on the status. On XXXX they said XXXX days. On XX/XX/XXXX they said XXXX days. Yesterday they said a few more days. How long does this take! they have all the documents they need!

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