BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
I reviewed my credit report and noticed several items that where in accurate and fraudulent. I contacted the credit buearus immediately and there has been no resolution to my issues. I filed a complaint with the FTC as well as contacted my local police department with no resolution. I am now contacting you with hopes of resolution. 

Below are fraudulent accounts in question : Company Name : XXXX XXXX Date Open : XX/XX/XXXX Account # XXXX Balance:XXXX Below Are a list of Inquires I did not authorize and are fraudulent. 

Company Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX Company Name : XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Their are 2 student loans on my report that are reporting late FROM XX/XX/XXXX UNTIL XX/XX/XXXX I paid this company on time during these months and i continued to pay them to this day on time this information is totally inaccurate. 

Company Name : XXXX XXXX XXXX Account : XXXX & XXXX Date Open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was contacted by a person stating he was from " XXXXXXXX XXXX '' a group I belong to and is very reputable. He said he had an opportunity to show me how to invest in XXXX and make quite a bit of money. This was in XXXX of XXXX. After learning what he was going to do I reluctantly invested {$1000.00} from my Golden1 account. I watched it grow in the trading platform called XXXX. I then deposited another {$1200.00} from my XXXX XXXX business account on XX/XX/XXXX. Then another {$1000.00} on XX/XX/XXXX for a total of {$3200.00}. I was then told I c Ould join their {$10000.00} club and make {$60000.00} in three weeks. I was excited because I saw how much my money was growing. So, I deposited another {$7000.00} on XX/XX/XXXX to join the club. I was told at this time that it had to be all in one deposit in order to join. I told them to for get it I will take my money back. He called a little while later and said he worked it out with the company and if I just deposit {$5000.00} more, they would let me in. I told him I only had {$4000.00}. A bit later he called and said that would do and he was doing me a huge favor. He said I could make {$75000.00} in three weeks. I deposited it on XXXX. I watched it grow and grow. Finally it was time to withdraw my funds and I could invest again. I was told to look for an email with instructions. The email said I had to pay their fee upfront to be able to retrieve my funds. {$24000.00}!!!!! This is why I knew I got scammed. He disappeared and so did 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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX account XXXXhas 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 non-monetary relief
Consumer complaint received 2019-11-28
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The Company BMW financial, They refuse to remove negative comments on my credit report even though I have explained my reasoning and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
See CFPB complaint XXXX about BANK OF AMERICA MORTGAGE, submitted XX/XX/XXXX. 

XX/XX/XXXX Dear Bank of America ( BoA ) You messed up the paperwork in XXXX related to mortgages of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, which mortgages you handled on behalf of XXXX XXXX, leaving an outstanding $ XXXX lien ( attached ) that needs to be promptly removed as it is holding up the sale of said property ( see attached sales contract ). We ask you to immediately do so, as your failures are causing our family real and irreparable harm. 

Your continued disingenuous statement that you can not fix the problem, which you admit you created, because you no longer service the mortgage, can not be asserted. As of last week XXXX applied for a Bank of America refinance, which awaits your approval. You have no excuses. 

Moreover, your nonresponsive response to our XX/XX/XXXX CFPB complaint says you need a special email address to address the complaint! What exact email address do you want us to dig up from the XXXX to be to your satisfaction? 

You confess to the CFPB that no contact has been made with XXXX XXXX XXXX! Wow, thats an admission of guilt, like nothing else. She has repeatedly, by phone, in person ( at the XXXX XXXX BoA branch where she signed the HELOC papers that you messed up ), and in writing, reached out to you begging you to fix this problem, all to no avail as you ignore and dismiss her and her authorized representatives. Among others, XXXX XXXX XXXX in the BoA regulatory department is unresponsive to repeated voice messages left by XXXX. 

If you examine the title report ( attached ), you will see that the original two mortgages were A and B. Then Bank of America added mortgage C, a HELOC in XXXX. Next, BoA completed a modification/consolidation, mortgage D ; but you did so by consolidating A and C, instead of A and B! That left the lien of mortgage B outstanding. You admitted clearly on a recorded line your fault : the problem is that mortgage number two was not included on the consolidation. You are killing us. This needs to be fixed yesterday. You will kindly fix this immediately and contact me and XXXX XXXX ( cell XXXX XXXX XXXX ), letting us know that it is completed. 

A very redundant 3rd party authorization form is attached. 

Respectfully submitted 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 2022-09-01
Company: ALLY FINANCIAL INC.
State: IA
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:
Over the past 2 years I have experienced multiple instances of fraud on my account and consistently receive differing stories on how to resolve the issues. 

XXXX I received a text message and call from Ally Bank 's phone number ( the number that matches the back of my card ) to confirm if I had authorized a set of recent transactions, I had not so I followed the automated system to press 1 to speak to a representative. At one point the call is disconnected. I call Ally Bank back, they have no record of the transaction and indicate it was a fraudster calling. They then get me over to the fraud group and we put my XXXX payments on hold as someone was trying to send money to themselves. They then get me setup on a new card, cancelled my old one, and advise I should call Ally Bank directly next time I have any issues. They assume me that no valid XXXX transactions will be impacted by this. 

XXXX I was sent an incoming XXXX transaction that was declined with no notification to me or the sender. 

XXXX called Ally and they not only told me there was no issue, but then discovered there was a hold which they refused to remove and wouldn't give me a timeframe. 

XXXX The hold was successfully removed. Now, during this process outside of calling no actions were required on my end. 

XXXX More fraud on my accounts, my debit card is closed and they are resending me another card. Never had to do anything but speak with Ally over the phone. 

XXXX I get a text asking if I authorized a transaction, to which I reply " No. '' This prompted a call from Ally bank which I disconnected given my previous encounter. I then called the bank back and they said " The fastest way to resolve would have been to accept the incoming call. '' Then proceed to tell me that they will send me a new card but I have to wait until the fraudulent transactions post then dispute them myself. I have NEVER had to do that, not ever. Then I asked to speak with a supervisor who said she has been with the company 10 years and it's always been in the deposit agreement, yet again earlier this year when I had this happen I didn't have to file any disputes. 

I do not feel Ally is doing what they can to protect or educate customers, this is the 3rd time in a year that my card has had fraud, I've never had this many issues with a bank before and it has only began being an issue in the past 2 years or so. Their customer service isn't educated on what actually will happen or the processes, they don't provide accurate information, and I am entirely dissatisfied with their approach to protecting customers.

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 2022-09-01
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
I have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX XXXX ; XX/XX/XXXX 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 XXXX : XX/XX/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 2017-08-28
Company: EQUIFAX, INC.
State: AL
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:
After receiving my credit report in XX/XX/XXXX, I noticed some unauthorized credit inquiries that was placed on my credit file. I contacted the Equifax credit bureau to whom was reporting the inquiries on XX/XX/XXXX, XX/XX/XXXX, and numerous times up until now, explaining to the agent that the inquiries was not authorized by me, asking that they be immediately removed. The agent specified that Equifax was n't allowed to remove inquiries, and that I had to contact the original creditors that placed the inquiries on my credit report. After talking with the agent, I contacted each creditor on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. Each creditor stated that they would remove the inquiries, but did n't know how to remove them, and that I had to contact the reporting credit bureau because they are the only persons that can, and know how to remove inquiries. I have since then contacted Equifax by phone and via certified mail, telling them that the creditors does n't have any open accounts or contracts with me and that the inquiries can be deleted. Still nothing has changed. I am not sure as to how these creditors obtained my personal information. It 's now becoming a back and fourth situation with both, the creditors and Equifax. Equifax saying that they are not allowed to remove the inquiries without a request from the creditors, and the creditors stating that they do n't know how to remove them and to contact Equifax. I really need these inquiries removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Attempted to access my Equifax consumer FILE via annualcreditreport.com but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE from Equifax. Attached is my proper identification and error message. I demand a response from you within 15 days upon receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I was informed that I have no access to my money. The Bluebird American Express prepaid card never sent me a replacement card, after my card expired. As a result, I have no access to my funds for emergency use. It is my ( the customer 's money ). Perhaps the Bluebird American Express policies and practices need to be investigated. It's like they are locking the customer 's money. I should be able to transfer for an emergency use, I don't think this company wants negative TV media attention or a congressional leader to call them out. I take this very serious as it involves a lot of money tied to this card. I did a search and see that ( XXXX XXXX ) is the CEO of American Express. Perhaps he needs to be contacted about this matter, prior to me taking further steps to access my money. I've been a bluebird American Express customer for a very long time. I also provided them with the USPS updated address XXXX XXXX XXXX, XXXX NJ XXXX. Please attempt to resolve this matter, since I am unable to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-01
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:
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-07
Company: EQUIFAX, INC.
State: GA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found out my identity was stolen and credit cards open on my behalf. 
I made a identity theft report and forwarded to all 3 credit bureus as well as the furnisher of the account. 
I asked XXXX, XXXX  and equifax to block the account due to identity theft. 
XXXX  blocked the account, however a week later reported the account back. 
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME! 
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT! 
THE ACCOUNTS IS QUESTION IS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Attached is a copy of a complaint sent to Dovenmuehle Mortgage Inc. At the time of this writing I have yet to receive any information/contact from the company in regards to this issue. The letter uploaded details my entire situation with relevant dates and time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2017 a check was written from my Business Checking account, unbeknownst to me. The check was a part of the starter checks. It was signed by a person who I do not know but that person just signed his name on the check - completely different from my signature. The check was allowed to be processed and funds were debited from my account, in the amount of {$900.00}. I filed a claim with Chase and, after about 2 months of investigation, they denied my claim stating that I failed to take proper care of my checks. I explained to them that the checks are kept in a locked drawer and that I am not sure how this person got a hold of it. What about the fact, that the signature does not match my signature? According to Chase, that does not mean much since, in their opinion, I did not take care of the check. I also explained to them that I did not file a police complaint for stolen check since I expected Chase to take care of it. I talked to their Senior Claims representative on a couple of different occasions but they came back with the same conclusion. My Banking contact at the branch office talked to Chase Claims Department and he was appalled to here what they had to say. He feels that this was a clear case that Chase should have ruled in my favor and pursued the person who wrote the check. Please note that I have recently moved, hence the address on this complaint is different from the address on Chase 's letter. 
The fundamental issue here is - the signature card has no significance. Banks do not check for your signature on checks and they take no responsibility if the signatures do not match. I am not sure that all customers are aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
This is an " American Express '' Gift Card that was given by the employer as a reward for an amount of {$2500.00} Unfortunately, American Express does not allow for a security code that I can create to protect the card information in case if it got compromised. 

I just noticed online transactions when I logged in to the GiftCard web page that I didn't make ( from XXXX, XXXX... ) when I called American Express for resolution, they said that I can not dispute charges on an American Express card, they deffer me to XXXX so I can make my request to dispute those charges hoping that they will reimburse those amounts to the gift card then I can call American Express and ask them to transfer the fund to another new card and mail it to me!!! 

I am pretty confident that I never handed the gift card manually and I used it myself at the XXXX at the stores. 

So either American Express got hacked where the gift card number ended up in the wrong hands making unauthorized charges or maybe one of those stores where I made purchases at the POS they got hacked and the gift card number was exposed somehow, but regardless, I feel that American Express as a big company should do better and ensure or give the option for these gift cards to be protected by a PIN number just in case if the card got lost or compromise, it can't be used so easily!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: MS
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 disputed my XXXX XXXX balance with Experian on XXXX/XXXX/2017, and I received an email with the results but I also noticed that they added to inquiries from XXXX XXXX to my credit report which I have I did not authorize.. I have contacted XXXX XXXX and they did not put the inquiries on my report in XX/XX/XXXX and XX/XX/XXXX. I know things can be reinserted but I never asked my credit to pulled for this dispute.

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