BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is regarding a Chase Business Credit Card. 
I called to inquire about a credit limit increase. 
While being asked questions about my income, I suddenly received alerts stating that I have a hard credit check. I did not authorize a credit check. I did not know there was going to be a credit check. 
The agent on the phone ( recorded call ) admitted that she did not disclose a credit check would be performed. She apologized. But that does not fix the fact that a hard credit check was performed without my authorization. I was simply answering questions about income. 
I called Chase and they declined to assist me with this issue. They said there was implied consent. I informed them that there was ZERO mention of running my credit and asked them to review the call. They declined and refused to assist further. 
I want this hard inquiry removed from my report. I did not authorize a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: LEXISNEXIS
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
RE : Regions Bank - Dispute Denied Fraud Claim # XXXX Acct Ending in XXXX NOTE : I HAND DELIVERED TO REGIONS BANK THE ATTACHED LETTER WITH ALL THE DOCUMENTATION ON XX/XX/2022. REGIONS HAS REOPENED THE CLAIM - TICKET # XXXX AND COMPLAINT TICKET # XXXX. WAITING FOR RESPONSE. 

THE FOLLOWING ARE THE DETAILS REGARDING THE CLAIM : I received a letter ( see attached ) from Regions on XX/XX/2022 denying the refund of the following unauthorized charges to my account. 

XX/XX/2022 XXXX XXXX, XXXX WA {$200.00} XX/XX/2022 XXXX, XXXX, OH {$450.00} XX/XX/2022 XXXX, XXXX, OH {$400.00} XX/XX/2022 XXXX XXXX, XXXX, WA {$64.00} Please note that the unauthorized charges to my account were notified to Regions by phone on XX/XX/2022. As per my discussion with the fraud department I did not lose my debit card or PIN and I live by myself, so it is obvious that my debit card has been cloned and used without my knowledge, since it would be impossible for me to be in different cities and states at the same time I was in XXXX XXXX, Louisiana, in which I reside. 

I have also included the following receipts showing that I was in my home town when these unauthorized transactions/charges were made. 

XX/XX/2022 XXXX, XXXX XXXX, LA {$9.00} XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX {$16.00} That should have been a red flag for the Regions Fraud Dept. to have shut the debit card down immediately. 
Please note that I hand delivered the attached letter to Regions disputing the denial letter on Tues, XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX at the XXXX  XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, and I delivered a copy to the XXXX XXXX Police Department on Tues, XX/XX/2022 to Officer # XXXX ( filing a police report ). 

I am hopeful that Regions will reconsider the denial and will do the right thing and reimburse me the monies for these unauthorized charges. 

Thanks for your help in this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-09-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my account with Wellsfargo on XX/XX/XXXX, with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX branch. 
On that day they wjere unable to enroll me in online banking, so I was requested to come back next day. Next day they had the same issue ( all the week ). After that I send and email to XXXX and I was requested to go again to the branch ( is not possible because Im not in the US right now until 2023 ). 
I need to have my credentials to use the online banking, or instructions to enroll.

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 2022-09-26
Company: Home Loan Center, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022 I received a text from a rep that said he was from The Lending Tree and to advise that I was approved for {$5000.00} loan and to call to go over the details. Advised Rep that I only need to borrow {$1000.00}, he said no problem. So the process was a follow : Rep stated that he needed my credentials from my bank so his accounting department can deposit the money to my checking account. So I did. He then said to go to XXXX and purchase some Gift Cards. Once I am the XXXX parking lot to check my checking account and see if the money was deposited. I did check and the money was in my checking account. I went inside XXXX and advised Rep that there were no gift cards that he was stating. So He said how about XXXX, I said yes, he said at check out chose {$200.00} limit, get 2, next get XXXX and chose {$50.00} which I did. I used my checking account Debit Card and the purchase was made. Next day XX/XX/2022 Rep called me to ask if I had changed my credentials, I told him yes I did, once I saw the money in my checking account, that is when I changed everything. He then said that he would need the new credentals in order to get the actual {$1000.00}. I told Rep that I could not do that as my bank was doing an investigation and would not release the funds until they completed their investigation. Rep was not happy. I told him once my bank has completed their investigation I would call him. On XX/XX/2022 called my bank and was told that they are returning the check the Rep deposited and I was now in the red and would have to pay back my bank. This is how the email heading come thru : From : LendingTree LLC. XXXX To : XXXX XXXX Sent : Tuesday, XX/XX/2022 at XXXX XXXX  XXXX Subject : Approval Letter From LendingTree LLC. 
XXXX XXXX Direct Line- ( XXXX ) XXXX Customer Service- XXXX XXXX ) XXXX XXXX LendingTree LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-26
Company: Block, Inc.
State: NJ
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:
My cashapp card was stolen back in XXXX and was used in a XXXX in XXXX, PA. I contacted cashapp support as soon as the I discovered the fraudulent transaction and they wouldn't help with recovering lost funds ( I contacted them the same day the transaction took place ). I contacted them again a few months later now in XXXX to follow up with why they couldn't handle my claim earlier. The representative said she would forward me and email to help with my problem. I never received the email and I'm still missing {$260.00}. Cashapp is in violation of the Fair Credit Billing Act 15 U.S.C. 1666-1666j, This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Good afternoon : I am a US citizen residing in XXXX, PA. I am writing to you to request your assistance and to file a complaint for the US Bank. I have exhausted all the other channels available through US banks. 
In XXXX of XXXX, I opened a checking/savings account with a US bank , because I could save some money on my closing costs with a US mortgage for my second home. 
I decided to use this account mostly for my rental property ( previous home ). I have a tenant that deposited mostly rent payments from XXXX to XXXX into the US Checking account. 
In XX/XX/XXXX, I received a letter from a US bank stating that the account was going to be closed due to the lack of activity. I did not make much of it. 
In XX/XX/XXXX, I began to call the US bank and requested the funds that were left into the account, ( {$3800.00} ). I was told by different customer service representatives that the US retains the funds for 45-60 days from the moment that the account is closed. So I waited 45 days and called back and I was told to wait 60 days. 
It has been more than 90 days and I still have not received my funds. 
After many calls to customer service and many people on line, I was told that the funds were going to be released at a US Branch office. I needed to go in person. I did not have any US bank branches closed by. I was sent to a US bank in XXXX, Ohio. 
I spoke with the branch manager who identified himself as XXXX. He said in various calls he will not issue a cashier 's check or release the funds because he does not know why the account was closed. He, the US Bank Branch manager, did some research and found nothing to justify why the account was closed. He has refused to release the funds because he said a hold was placed on the account and he does not feel comfortable releasing the funds. This all seems to be a scam. These were legally deposited funds into my account that US Bank without any other communication or justifications provide no path to recovery. 

Please, provide me with some guidance on how to proceed in this matter. 
Thanks so much Regards 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 2022-07-04
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act XXXX  accounts, XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: OK
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 recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party XXXX XXXX XXXX and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 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:
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 

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. 

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

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 2022-12-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had a Power of Attorney, and XX/XX/XXXX she transferred {$55000.00} from my USAA ACCOUNT to her personal account. I was denied permission from access to see available funds to this account, and I was verbally told by my P.O.A. that I had {$50000.00} in my checking account. I asked USAA in XXXX to do an investigation into the transaction, and I received a notification identifying that the transaction was legal and valid. On XX/XX/XXXX I received a document from my P.O.A. that funds were invested into a Certificate of Deposit Account in her name at XXXX XXXX XXXXXXXX on XX/XX/XXXX for a total of {$53000.00}. I would like funds Transferred legitimately back to the original account of USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: PENTAGON FEDERAL CREDIT UNION
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:
Pentagon federal credit union has violated my rights which I will provide later on in my complaint. Pentagon federal credit union does not care about its consumers which the representative stated over the phone even after I said this was an error. 15 USC 1666b Mentions a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures which was not followed by pentagon federal credit union at all. 15 USC 1681 section A 602 mentions that I have the right to privacy and 15 USC 1681 section 604 A section 2 which also mentions a consumer reporting agency can not furnish an 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 2022-08-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am filing a complaint because I have a loan with Shellpoint Mortgage Servicing for my property in XXXX, TX. We have had this property for several years now and recently Shellpoint contacted me stating that I did not have insurance on my property and that they were going to place a premium insurance of their own on my property while I got my own insurance, however the rules were that I had to find {$400000.00} worth of coverage for my less than XXXX square feet, XXXX bedroom condo. Every single insurance company that I called obviously rejected me because the coverage I was asking for was far too high for the size of the property. As a result, while XXXX trying to place an impossible insurance on my property, escrow has become greater and greater which is bizarre to me and makes absolutely no sense. I owed less than {$1500.00} to own the property and now due to falsely stating that I have no insurance, all together in order to pay off my property, I owe roughly about {$10000.00}. I felt at a loss of hope, but after looking up reviews online from several different review websites, there are SEVERAL reviews that state the EXACT SAME scenario as ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Selene Holdings LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Selene Finance is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in 2005 and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from Selene stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX, I had to cancel the international portion of my scheduled flight. On XX/XX/2022 i contacted Wells Fargo by telephone in order to request a refund of my unused points. I have attempted many times by telephone to reach out to Wells Fargo and my first call was in XXXX and now it is XXXX and I have not received the reimbursement. Every time I call, the supervisor terminates the call in progress when he or states that they need to review the file. Please Help! This is unfair! 

Wells Fargo Rewards MemberShip Number : 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 monetary relief
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation