BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$610.00} XXXX XXXX Balance : {$610.00}

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 explanation
Consumer complaint received 2021-05-18
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/XXXX, we closed on a refinance with Freedom Mortgage. On Saturday XX/XX/XXXX, we received a check in the mail in the amount of {$3500.00}. I thought this was weird since there was no mention of this check in the closing of our refinance. I immediately called the closing department on XX/XX/XXXX at XXXX XXXX. I asked about the check amount and this check was explained to me per the letter attached, that it was a surplus, and it needed to be issued to me for payment. I was assured that I could cash this check and move forward with whatever I wanted to do with it. I cashed the check via mobile deposit with XXXX XXXX on XX/XX/XXXX. I did spend some of the money. On XX/XX/XXXX, I received a notification from my bank that the check was not honored. I called Freedom Mortgage immediately and explained the situation, I was put on hold for 3 hours! I hung up then I called back and was put on hold for another hour. I was told that this was a miss communication and that the money was needed to close the refinance and that the check was REVERSED without my knowledge or any from of communication. This left my account in a negative balance. I have a family of 5 and I have been asking my mother to borrow money for food, gas and bills. I have been without money because of this ridiculous mistake that I should not be punished for! I have been speaking to the escalation department to have at least {$1600.00} money returned to my account to bring it back to a positive balance. I have not received no answer as of today. I spoke to XXXX XXXX on XX/XX/2021 and was told that I would get a call back by XXXX, no call was returned. I called back today ( XX/XX/2021 ) I spoke to XXXX XXXX again and he has no answer for me as he has not heard from his upper management. He placed me on hold for 20 minutes before being transferred back to customer service. As we speak I'm still on hold to be transferred back to XXXX. This has been a grate frustration and this mistake is clearly theirs and they should be liable for this mistake.

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 2021-05-18
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:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit 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 Monday morning XX/XX/XXXX I checked my prepaid Bank of America account and found there were two charges for {$950.00} at XXXX XXXX bank, one on XX/XX/XXXX and the other on XX/XX/XXXX. I called in immediately to let them know of the fraudulent activity and they sent me out a new card. On XX/XX/XXXX I called them to get an update and to update them with info regarding my police report. A few days later I called to get an another update from them and they told me my they didnt have any of my information. This happened twice. Then after I finally got them to keep my info, I received the letter stating that my claim had been closed. I reopened the claim and then a few days letter received another letter stating that an additional review of my case had been done and the original decision was correct.

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 2021-04-21
Company: DISCOVER BANK
State: OR
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:
My last complaint was closed. This is an addition to it. 

No matter how much paper they throw at this issue it is very simple. 

I NEVER authorized the use of my card for the charge in question AND the company ALTERED the receipt to justify using my card. NOBODY can show a receipt with my signature that authorizes discover to pay this bill!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AMALGAMATED TOKEN SERVICES, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Coinlist has stored my Filecoin cryptocurrency and at my request sold some. I have requested remittance of part of the proceeds of sale to my XXXX account, the details of which were provided and have made many complaints about non receipt of any money, The first remittance request was made on mid XXXX and funds were allegedly wired a few days later but no funds have to date arrived. Email reminders since have largely been ignored. I am still waiting on the receipt of some $ USXXXX from my Coinlist wallet confirmed to have been requested on XXXX XXXX. 
There are apparently many other people with similar experiences and I am wary of asking for any more transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited in my checking account number XXXX at XXXX  XXXX XXXX that is opened under the name of XXXXXXXX XXXX XXXX XXXX the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The bank who issued the check was Wells Fargo.The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. On XX/XX/XXXX the amount of XXXX dollars was pulled from my account by Wells Fargo stating that the check was double deposited which is false statement. During last conversation with a XXXX  XXXX XXXX representative they agreed that the check was deposited once and the bank who issued the check, Wells Fargo did not cover the check. Since somebody inside the bank made a mistake they want t cover it and declared the account at Wells Fargo having insufficient funds so the banks can cover their mistake .That is a wrong affirmation and the person who wrote the check DID have sufficient money in the account. Instead of fixing the issue XXXX  XXXX XXXX sent me to Wells Fargo to ask them directly for money. Both banks made an error and one of them kept my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I did a money transfer to someone through PayPal supposed to be for an item instead the person sent me pills I opened a case with PayPal and because they had a tracking number they wont refund my money which was for {$520.00} I pd a person in XXXX but I got an envelope with pills in it from XXXX but PayPal will not refund my money please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
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: Account information incorrect

Complaint:
I have a recording of the representative at XXXX that I spoke with in XXXX who handled the refinance and assured me that the new payment plan would not result in any derogatory marks on my credit report and that I had addressed the hardship just in time to prevent any derogatory marks on my credit report. When I asked for the recording ; the supervisor refused to provide me a copy. I will be filing with FTC and/or CFPB so that they can demand the copy. I XXXX XXXX XXXX in XXXX XXXX the end of XXXX ; which left me off work for most of XXXX. I now have a XXXX XXXX and XXXX XXXX  in my XXXX XXXX. XXXX  was fully aware of the hardship and agreed to work with me. This was sneaky and deceitful - borderline FRAUD! 


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 2019-05-28
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 
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 2021-08-03
Company: Genesis FS Card Services, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX  and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Source Receivables Management LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had alarm service on our home in XXXX that was paid via automatic bank withdrawal. When we sold the home in XXXX, 2018 we notified XXXX company several times to terminate service. The automatic withdrawals continued until we finally directed the bank to stop them. Then, the XXXX company started sending monthly Bill 's to our new residence in XXXX. Each time, I would politely remind them that I had terminated service many months ago. Now they have turned us over to a collection agency. The alarm system wasnt even working because the house was broken into an robbed before closing without any alarm being raised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: ALLY FINANCIAL INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ally Financial is discriminating against me by denying me credit and an opportunity to open up a checking account online. Ally Financial is also discriminating against me because of my race, me being XXXX American ( XXXX ). Ally Financial is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB :XX/XX/XXXX, SSN : 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 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 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 2021-08-03
Company: Global Lending Services LLC
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I FOUND OUT THAT SOMEONE HAD BEEN USING MY NAME TO OPEN UP CREDIT CARD ACCOUNT WITHOUT MY KNOWLEDGE MIDLAND FUNDING LLC # XXXX, MIDLAND FUNDING LLC XXXX XXXX, MIDLAND FUNDING LLC XXXX XXXX i HAVE FILED A FTC AND XXXX POLICE REPORT OF ID THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, 2019, XXXX XXXX, alleged that XXXX XXXX, defaulted on a credit card in XXXX County Municipal Court, in Ohio ( XXXX XXXX, has no knowledge as to the nature of the allegations ). The case was dropped by XXXX XXXX, and dismissed by the Court on XXXX XXXX, 2019. However, XXXX XXXX, continues to report to Transunion, and other credit reporting agencies that XXXX XXXX, owes a filing fee of {$110.00} for the fruitless action. XXXX XXXX has been in contact with Transunion, and XXXX XXXX, who continue to claim he owes the filing fee, and there is no 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 2022-12-10
Company: JPMORGAN CHASE & CO.
State: MA
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:
I have an XXXX XXXX XXXX XXXXXXXX issued by Chase. In early XXXX, I was contacted by Chase about two charges that they suspected were fraudulent. I confirmed that I had not made these purchases ( XXXX delivery orders on the other side of the continent ). Chase then canceled my credit card and mailed me a new card with a new number. So far, so good. But when I received my written monthly statement today, it included these two charges, for a total of {$53.00}. I called the number on the back of the card, explained the problem to a " customer service '' representative. She said she would have to transfer me to the fraud department ; I was left on hold, and informed that the wait would be about 20 minutes. I hung up, and called back. This time the " customer service '' representative clearly recognized the problem, said that she was powerless to help and that she would have to transfer me to the fraud department. This time, I did hold, but after about five minutes the line went dead. I am filing this complaint with the CFPB in the hope that ( 1 ) you will be more effective in getting Chase to reverse these fraudulent charges and ( 2 ) you will investigate to see if my experience is part of a regular pattern and practice by Chase - who may have consciously concluded that many or most customers will decide that it is easier simply to pay the fraudulent charges than to spend an unknown number of hours dealing with Chase 's unresponsive " customer service '' department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking and savings account on XX/XX/22. As part of the sign up promotional terms, I was supposed to receive {$300.00} to both my checking and savings account for a total of {$600.00}. I met the promotional terms for each account and the promotion was due XX/XX/22. However, it was not credited and when I contacted the bank they said to " just wait '' even though its past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-18
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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