BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Loan taken out in my name and tons and tons of hard inquiries that I never made almost everything on my credit profile wasnt done by me my credit has been destroyed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX 
Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need them remove at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. You are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Okay so I disputed XXXX charges XXXX was XXXX dollars from XXXX, XXXX  one was XXXX dollars withdrawn and the XXXX  one was XXXX from XXXX. They had send me an email saying they can not honor my claim and give me back my money back because they think I made those XXXX purchases which I did not. They think I did it because I have my card with me and I had told them that my information was compromise that a hacker couldve got my information. Also this is my second time the bank is not giving me back my money. The first claim that they did not give me back my money was for XXXX for XXXX dollars

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 2022-12-04
Company: NAVY FEDERAL CREDIT UNION
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:
In accordance with the fair credit reporting act Convergent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Navy Federal XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Capital One RE : Accounts : Capital One XXXX THIS IS NOT MY ACCOUNT! 

To Whom It May Concern, I recently received a copy of my credit report and am disputing an item that need to be DELETED. I have listed the items I am disputing and notated any account number. I have also attached and enclosed two forms of proof of address as well as two forms of proof of identity.

According to the provisions of the Fair Credit Reporting Act 611 ( A ) [ 15 USC 1681i ( a ) ], this disputed item must be investigated and deleted from my credit report within 30 days due to fraud/false account. This account was falsely added to my credit report only by XXXX credit bureau. This is not my account! I have never in my life had a {$2000.00} limit credit card. This is fraud and I would like this account removed from my credit report immediately! In the interim, these items should be noted on my credit report as in dispute. 
Please notify me that the attached items have been deleted pursuant to 611 ( a ) [ 15 USC 1681j ( a ) ( 6 ) ]. If you should have any questions or need additional information, please contact me by email XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
So what happened was I ordered something off a website on XX/XX/XXXX and it was supposed to be delivered to me on XX/XX/XXXX so what happen was I payed XXXX on my key bank and my XXXX as well to get the item this guy name XXXX XXXX XXXX XXXX said I have to pay another additional shipping for my package he was telling me to pay XXXX and the package was coming from XXXX XXXX so when I payed hes talking about I have to pay more and the company also said that too so I talked to key bank and XXXX to get a provisional credit and I also sent over documents as well so they both denied my claim and XXXX closed my account for no reason so everything about the guy that scamed me will be in the documents my key bank claim number is XXXX my XXXX claim number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Grain Technology, Inc.
State: NY
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:
On XX/XX/XXXX Grain Technology changed the setting to my account to auto payment. I noticed because I signed into my Grain account to make a payment and ad soon I went to make a payment I got an email that sis thank you for submitting your payment of {$110.00}. I never even made the payment because I got the email before I could move forward and was confused. Upon checking I saw my account my on auto payment. I then took it off and notified Grain that I never made that change to my account. About a week or so went by and no response from them. I eventually went to check my XXXX account again and saw that my account was back on auto pay. I then again took it off. Auto pay is something Ive never set up so Im more than certain that Grain technology is doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Incomm Holdings Inc.
State: OH
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:
I have this gift card looked up on line to see balance, seen there was a charge for {$220.00}. Called XXXX  told them about this, they told me it would take 45 - 90 days for investigation, that was on XX/XX/2023. Now in XXXX still investigating this. Went back to check the amount of balance I still had which was {$220.00}, they cleared off everything, I have no information listed. I called a couple of days ago, still investigating. The charge that was made was to a fitness gym in Tenn. I am a XXXX old man living in Ohio, sure as heck not going to work out, and surly not driving to Tenn. to do it. The case # for the dispute is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX later night ( can be XX/XX/XXXX AM time ) I was working as XXXX XXXX  when XXXX of XXXX  stole my phone where was all my information and all my bank cards. 

I stoped another car and asked to call police for me. they showed up. explained everything and we opened a case. 

XX/XX/XXXX as soon bank opened I went to Bank of America office ( address : XXXX XXXX XXXX  XXXX, NY XXXX ) and spoke to 2 bank employee ( names : XXXX XXXX and XXXX XXXX ). They checked my account and was no any transaction in my account. They told me i was totally fine and i do not need to worry. Right after my visit I got message that money ( approximate {$3000.00} XXXX transaction ) from my account was transferred to someone. 

When I went back to BANK and ask them how that happen. they told me it was done by XXXX transfer and gave me customer service number. i file a claim and received email from them THAT as it was done by XXXX online there is nothing they can do. 

I do not know what to do and who can help me out. as Bank do not take any responsibility even i went and told them to protect me. As per bank employee XXXX XXXX if needed she will confirm everything if needed. 

If needed can get proof from police that i file it rather away. 

Please help. 

Thanks, 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 2023-06-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-08-26
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Attached is a screenshot of EdFinancial 's assertion of what my loan balance ( s ) are/is. I sent EdFinancial a {$70.00} payment non-physically. Interest will begin to be charged on XX/XX/XXXX. Date of writing this text is just XX/XX/XXXX. I'm going to be charged interest unjustly if EdFinancial doesn't put my {$70.00} payment almost two months ago on the correct loan, which is the loan group I have with the highest interest rate ( and the lowest actual present balance. ) Further, I have a Consumer Financial Protection Bureau complaint ending in XXXX against a debit/gift/credit card or finance company ( not EdFInancial ) regarding the matter of an initial {$8.00} submitted on XX/XX/XXXX. Regardless, that {$8.00} can be applied to the same group as the {$70.00} in question, and this must be done before XX/XX/XXXX when interest will be begin accruing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 my XXXX checking account was compromised with a check that was stolen from my mailbox washed and cashed from my acct. police report filed I contacted bank and blocked acct. 
On this day a scheduled transfer of funds was set up to my Marcus by Goldman Sachs acct. 
Unfortunately it could NOT go through do to the block on my checking acct attached to my Marcus acct. 
2 days later I closed the compromised checking acct and opened a new one. My bank replaced the stolen funds of XXXX XXXX I then transferred to my new acct and CLOSED old checking acct. 
I went to my MARCUS acct to remove old checking and add new one and found out its was locked. I called Marcus and they told me it was closed and no reason given. I tried to explain what happened and they gave me the run around that no one can explain to me why. 
I now have no access to my funds. There is an old checking acct attached that does not exist and there is no way they can transfer my funds back to me! I asked them to reopen so u can transfer funds out of this acct and they would not! I have no access to my funds and they will have to send me a CHECK in order to get my funds out of MARCUS savings and CD. I have read on line that they do this often! This is a terrible business practice and they LEGALLY CAN NOT HOLD MY FUNDS. Please help me. Appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an account of XXXX bank and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend BOA account. 

We tried to ask XXXX but they said they could do nothing. 

We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. 

We tried to contact Zelle, but can not. 

Please help me with the issue. I would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: WorldRemit Corp.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I requested WorldRemit Corp. to transfer {$340.00} to a family friend 's XXXX account in XXXX, on XX/XX/2023, but it was not delivered on that day as i expected. On XX/XX/2023, i received an email confirmation from them that funds have been delivered, but the beneficiary denied receiving it when i called her. Meanwhile, this is the 2nd transfer that i did to her, the 1st ( sent on XX/XX/2023 ), was delivered successfully the following day. I notified XXXX remit immediately, and they promised to contact their partner in XXXX, but they never got back to me. I kept calling their customer service twice daily for about 5 days consistently, waiting for between 30 minutes to 1 hour before they answered the phone on each occasion, but they kept repeating the same information that they were contacting their partner in XXXX. They later provided some numbers that the beneficiary should take to her bank to track the funds. She went to 2 different branches of her bank and was told that the number provided was useless. I later got a call from WorldRemit on XX/XX/2023 after I left them a negative review on the XXXX XXXX website, they were requesting me to ask my friend to provide her bank statement to prove that she didn't receive the funds, i think that is ridiculous. I worked as a bank cashier in XXXX for almost 7 years, I know how things work there. I presently work as a XXXX XXXXXXXX in XXXX, whenever I send wires to clients, I either provide a screenshot or download a confirmation as evidence of payment to be sent to the beneficiary. I have asked them to do the same for this transaction but I haven't heard from them. Hence my submission of this complaint. Kindly ask them to either provide concrete evidence of the transfer to my beneficiary or refund my {$340.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation