BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

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 2022-08-01
Company: KEYCORP
State: OH
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 Key Bank Mastercard number was stolen by a XXXX sponsored XXXX user. His card was used to purchase {$1900.00} of electronically delivered XXXX  games. A fraud claim was filed with Key Bank and the card was cancelled. A police report was filed with the XXXX XXXX Police Department and the XXXX CA police department. 
XXXX provided extensive research to Key Bank identifying the thief by providing his gamer tag, console ID, IP address and billing address in XXXX California. 


Key Bank advertises XXXX XXXX XXXX XXXX for their Mastercard. Our situation proves this advertisement to be false. 


Despite the evidence from XXXX and our fraudulent claim, the bank paid the FRAUDULENT charges and CLOSED our claim. We were notified of the decision by mail WEEKS later. I am unsure how or why someone at Key Bank has the authority to spend their clients money, but it is exactly what happened. Key Bank advised they would not re-open, re-evaluate or re-open another claim to assist in a refund. We were advised to work with XXXX. 


Our efforts with XXXX, a multibillion dollar company, have fallen on deaf ears. Multiple hours of aggravation have resulted in no refund. XXXX isnt concerned with customer protection. They have confirmed the charges are fraudulent. They have visibility to the thiefs profile and wont take simple action to shut down the thiefs game utilization. I used the search engine XXXX to view the thiefs profile and activity ( which was paid for by my son and many other users ). The thiefs account was made within a four month period and was able to buy XXXX games with added packs and in game credits. 


XXXX encourages and rewards this behavior knowing it is a federal offense. Clearly XXXX accepts this behavior and does not penalize the thief or hold them accountable for fraud with XXXX. Who knows, maybe its a XXXX employee who has access to the profiles and sells the information. 


I would not encourage any XXXX or XXXX account holder to enter a credit card number into their profile as XXXX places you at risk and sponsors this type of behavior by their lack of resolution action. I advise to purchase pre-paid cards for any online gaming purchases to be safe. 
I was advised by the XXXX XXXX Police Department that we lost our leverage by paying the Key Bank XXXX. 
The police department advised I should not have paid the credit card and let Key Bank sue us for the fraudulent charges. 


I am left with zero resolve and am out {$1900.00} due to poor customer service and praising criminal behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I receive notice of foreclosure on my deceased Uncle 's estate. I am an heir to the estate but it has not been probated yet. The estate has made numerous attempts to pay the mortgage and I have personally called the Bank and the banks attorney but they refuse to talk to me until we have gone to probate court. 
The bank is XXXX XXXX XXXX XXXX XXXX their phone # is XXXX. The bank 's attorney is XXXX, XXXX, XXXX, XXXX and partners XXXX phone # XXXX. 
My uncle is XXXX XXXX XXXX. We have tried to settle the mortgage but can't. I do not understand why we can not settle this without going into foreclosure. 
Thank you for any help in this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-28
Company: EQUIFAX, 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: V and H Portfolio
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Vance and Huffman , LLC, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX XXXX XXXXOther Phone ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX They have been trying to collect on an auto loan that has been paid off. XXXXXXXX XXXX XXXX XXXXXXXX balance {$8900.00} date opened XX/XX/2021 for XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: VA
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 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 XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer.

15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 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 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 2019-11-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Experian refuse to correct information that has been proven fraud already.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by XXXX or Experian credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; 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 her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 15 U.S.C 1681-2 ( 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 informations inaccurate.

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 2022-08-01
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened this checking and savings account with Discover specifically because they offer cashback on all purchases, but they have been cheating me continually on this!!! Now they claim you only get 1 % cash back and ONLY up to {$3000.00} which they NEVER told me when I opened the accounts, after I just deposited and spent $ XXXX in XX/XX/2022 alone and they only deposited a pathetic {$30.00} for this into my savings account for cashback redemption!!!! I am sure they have been cheating me all along as I have not been watching it closely and never seem to get more than {$30.00} no matter what I spend or pay!!! I think they are doing this to all of their customers and committing fraud!! The rep claimed today when I called that it is correct, but it is not, even if I receive a pathetic 1 % up to {$3000.00} the minimum it could be is {$300.00}!!! I want my money!!! I have attached a copy of all transactions on my account for the month of XXXX and also a copy of the bank statement from my savings showing the pathetic deposit for cashback redemption today!!! I can also provide all past statements if needed to also go after them for past amounts owed from these cashback redemptions too, in fact I may look into filing a lawsuit over this!!! I am sick and tired of being cheated by these crooked banks!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XX/XX/2017 I tried to apply for a mortgage with Wells Fargo. Did the application process. The mortgage consultant did not take me seriously. He took weeks to respond, did not answer phone calls or emails, did not keep meeting appointments to discuss application. Complaints made to the manager of the branch. I believe it was due to XXXX. Branch manager spoke to him, he called with 2 days afterwards but I was denied. I was able to get a mortgage through my home builder.

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 2022-09-28
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had accounts with chime they closed my account on XX/XX/2022 for know reason they did not get in touch with me at all until I got in touch with them I have been email them and all about my account and they still not give me not the right answer.I don't have any money they took all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the Biden Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I first received a letter from Southwest Credit Systems, L.P. on XX/XX/2022 however I did not recognize the debt because I know I owe nothing to XXXX  as I never used their services and returned the phone back to them without using it. They told me I wouldnt be charged and at the time I believed them. I sent out a cease and desist letter to Southwest Credit System , L.P. on the same day when I received the letter but that didnt stop them from mailing me for the second time today dated XX/XX/2022, attempting to collect my debt again after I have requested for them to refrain from contacting me. I have all evidence that you may need included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello Sir/Madam I got a 30-year conventional loan from XXXX XXXX in XXXX. I am paying PMI on my mortgage as my LTV was higher than 0.8 and it was promised that as soon as my LTV goes below 0.8, my PMI will be deleted. 

In the meantime during XX/XX/XXXX, XXXX XXXX is transferred from XXXXXXXX XXXX to Suntrust ( Truist now ). I don't know why and when that happened but when I realized that payment is not deducted from my account, as usual, I reached out to them and made two months ' payment in XXXX. At that time Suntrust mentioned that this will not be a problem because such service change comes with 60 days payment grace period. 

Now, from XX/XX/XXXX, I put a request to Truist to delete my PMI because my LTV is below 0.8. From XX/XX/XXXX, I did numerous mail and call follow-ups but never got a response and they came today and replied that PMI can't be deleted because I had a late payment. I always made my payment on time as it is auto debit from my checking account. They can check all my past XXXX payments and Truist payments till now. There is only one instance and that too when service was changed from XXXX to Suntrust and when I realized did payment to them and that is within 60 days of grace period. 

This is very bad from truist that they took so long and I kept paying PMIs. I request you to please review and let me know if you need supporting documentation. 

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 2022-09-28
Company: ROBINHOOD MARKETS INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2021 I issued a check from my investment company Robin Hood in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. Apparently when XXXX XXXX received the check and cashed it. The check was then returned and stamped as refer to maker. Apparently XXXX XXXX never received the funds and they reversed the loan payment from my account. The money was never returned back to my Robin Hood investment account. Robin Hood stated when I asked them what happened to my money upon review, we verified that XXXX attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by XXXX XXXX XXXX  on XXXX while the second endorsement was returned by XXXX XXXX finance. I have attached multiple documents from all parties. The final result is that the money was deducted from my Robinhood account and never credited back to my account. The check never cleared with XXXX XXXX and I have lost this money.

Company response to consumer: Closed with explanation