BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: IL
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've previously disputed that this Bankruptcy account from the XXXX XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer.

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 2021-12-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2023-05-08
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Nordsrtoms account was charged off and than transfered to XXXX XXXX to chase us for money owed. We paid XXXX Account off and Nordstoms won't clear the balance to show XXXX  on their end. This is severley impacting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
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 appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnishers of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 spoke with a supervisor at TransUnion on XX/XX/22. The supervisor informed me they needed additional info regarding my complaint. Please see the attached documents to view the requested information. Thank you.

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 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/23 my XXXX XXXX XXXX was charged for {$89.00} from a merchant we do not know and for a charge we did not incur. 

The charge was generated from the merchant using the XXXX XXXX on their XXXX. Since the charge is listed as contactless the XXXX XXXX fraud department refuses to investigate. 

We talked with a XXXX representative who said the charge looked suspicious and suspended the merchants account. However they said Capital One is responsible for contacting them to resolve the charge which Capital One refuses to do. 

We were able to obtain a receipt on this charge on the XXXX website. The company was listed as XXXX  whose address is on the third floor of an apartment building in XXXX XXXX XXXX. The receipt was in XXXX. No services were listed. It only stated a custom charge of XXXX. The receipt stated the charge occurred at XXXX XXXX on XX/XX/23. We were at our residence in XXXX XXXX at that time, no where near XXXX XXXXXXXX XXXX. 

We do not know where this merchant obtained our credit card information and are receiving no assistance from Capital One to investigate this fraud. Please assist us with getting Capital One to investigate. If this fraud is happening to us Im sure its happening to many others and it needs to be stopped. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
Company: WELLS FARGO & COMPANY
State: FL
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 XXXX XXXX I had over {$400.00} stolen out of my account. I immediately called Wells Fargo and demanded that they immediately return the money that was stolen. Their response, which should have been Yes, customer let me immediately return your stolen money. Instead their response was We could care less that your XXXX is ruined we refuse to give your money back until we sit on it forever because we are too lazy to do our jobs. I just want my stolen money back immediately, not in three weeks because these people will use everything from their laziness to this overblown pandemic to keep from doing their jobs! If it had been their holiday that was ruined by this theft or one of their buddies then they would bend over backwards to immediately fix it. I want my money back and I want Wells Fargo sanctioned!

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 2018-05-08
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
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:
When l checked my XXXX  credit report, l noticed that an unknown inquiry was made by CARFINANCE CAPITAL LLC on XX/XX/2017 which l have no idea about it.

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 2023-10-08
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I remitted a payment via telephone with an agent. I made a payment via check. I inquired about the days of delinquency, I was told by the agent that at the time of payment that the account was at 29 days. She further stated on a recorded line that my account was not in jeopardy of being reported to the bureau as I was making a payment in time. 

Two days later, I received an alert from XXXX XXXX stated that my account was more than 30 days late. I trusted the agent was knowledgeable her job and able to accurately provide the correct information to me as a cardholder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: FISERV INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened an account with DraftKings using the XXXX direct connection to my checking account. They told XXXX the money was there and XXXX put {$25.00} in my account. Within a week they reported me to Credit bureau-TRS Recovery Services Innc.. Even though, every time I logged into XXXX, on a daily basis after opening the account, I received an email from XXXX to tell me there was a log in, they never told me the money didnt go through. I have used direct connections to my bank account to transfer money many times with no issues. The account has plenty of money and was in no risk of lack of funds. I don't mind paying the {$25.00} that I originally committed to. I will not pay a fee that was added when the debt was sold to XXXX within days of their issues. This is a predatory practice that needs to be stopped. The issue is between XXXX and XXXX. Thank you for looking into this. I will not pay a fee, please negotiate a way for me to only pay the original {$25.00}. 

There are lawsuits on this in Indiana https : 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 2023-05-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The amounts were over {$500.00}. They were charges overdrafts numerous of times which resulted in my account being closed due to the discrepancies. I had direct deposit which I had to move due to them depleting my accounts.

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 2023-01-08
Company: Experian Information Solutions 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:
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 items of information, other than records of conviction 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 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 2021-12-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got scammed and unknowingly deposited a bad check. I filed a complaint with the ftc, as well as got a police report and filed a claim with the claims department. I hav all the correspondence from the individual that impersonated someone and scammed me. I know have a negative balance and theyre closing my account .i need help theres no way I can pay this back I was innocent I was scammed.

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 2023-10-08
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or before XX/XX/2023 a Certified Mailed was sent to LexisNexi, a request of proof of copy, signed documents related to Bankruptcy on my credit report. 

As of time LexisNexis unable to provide substantiation; Failed to provide signed documentation of the said Bankruptcy. 
Failed to provide a copy of bankruptcy petition filed with the court. 
Failed to provide proof of filing document, such as stamped document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 went to a car dealeships to inquire about a new car. The sellers told me they they going to do a soft pull on my credit. they did a hard inquiry on my credit and also did a couple if days after. This cause my credit to show too many credit inquiries. This inquiries were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I received a notification that was definitely in error. It was for XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) and for over XXXX XXXX dollars. I can not remember whether I approved the purchase accidentally but received no other notifications regarding the transaction ( s. ) I discovered in the month of XXXX that there were several charges made through XXXX for a range of transactions and became overwhelmed. I contacted my bank ( Chase ) in XXXX and was not given any information or instruction on what to do. The charges continued. In XXXX I finally contacted the fraud department and was on a three hour phone call where I made a fraud complaint. It seemed like it was being taken very seriously but received no further action being taken on the part of the bank and the mysterious charges continued even when I discontinued use of the XXXX application completely removing it from all members of my households devices. I contacted the fraud department on XX/XX/2022 when they told me the fraud complaint was approved and they were going to be reimbursing me by XX/XX/2022. I waited until XX/XX/2022 to contact them and they said the fraud complaint had been denied due to " chip to chip '' transactions with no explanation of what that meant. I attempted to contact them again and spoke to the escalations department where another fraud complaint was made and seemingly taken seriously only foe me to contact them again and have a phone representative tell me that there was no such second fraud complaint made. I became so frustrated i closed both my checking and savings accounts and have been forced to keep an account open to be ablento receive a monthly income from a renter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2019-11-22
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex husband submitted an insurance claim under my policy for an accident he had in a rental. I had no knowledge of this and it is effecting my insurance rates instead of his. He was the driver, the vehicle was a rental and I can provide proof that I wasnt even present for this accident. No money was paid out on this claim either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I'm trying to withdraw about {$600.00} from Gemini crypto exchange. I've been a fully verified customer for years. About a month ago they freeze my account and demand responses to questions regarding my recent transaction as well as proof of ID. I provided the ID, answered the questions, but the account is still locked nearly 1 month later. I try to contact their support daily for a status update but they do not respond. Please help me with this issue! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. PLEASE BLOCK AND REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX / & Inquiry 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 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 2023-01-06
Company: EQUIFAX, INC.
State: NC
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. PLEASE BLOCK AND REMOVE IT.

Company response to consumer: Closed with explanation