BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Transunion is in violation of the FCRA section 605B for the following reasons : In XX/XX/2019 i filed an FTC ID theft affidavit report to have certain fraudulent items on my credit report blocked in accordance with the fcra. The bureaus blocked the information but now one of the accounts has re-appeared on my transunion report. This account was blocked for the last 8 months and randomly is back on my report. I resent them my FTC documents and letter to have it blocked, however transunion is still reporting this item and is showing up on my reports now for some reason. This is a violation of the FCRA and I want it resolved immediately. 
I should not have to re fight to have information that was deemed fraudulent removed from my credit report again.

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: Block, Inc.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Wednesday XX/XX/2023 cash app withdrew XXXX out of my account in 3 separate transactions through XXXX that I have already paid for and will provide the proper documentation of. What I do not have on my account is the withdrawal they made the day of XX/XX/2023. I do have statements of XXXX getting deposited and then XXXX getting sent back to the account that sent it due to fraudulent charger made that day. Im in needs of a refund of my XXXX cash app charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2020-02-02
Company: Experian Information Solutions Inc.
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:
XXXX XXXX has made an illegal, invalid, erroneous, and unauthorized hard inquiry on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XX/XX/2018 Made with : Experian I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

In addition, the initial unauthorized inquiry was made over 2 years ago which is past the amount of time any inquiry is allowed to remain on a credit report. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wednesday, XX/XX/, I made a {$300.00} dollar withdrawal from my account. I asked for XXXX and XXXX. A machine counted the money to the teller, and the teller placed the money in an envelope and gave it to me. When I got home, I discovered that I was short XXXXXXXX XXXX bill. Instead of receiving XXXX XXXX dollar bills, I received only XXXX XXXX dollar bills. 

I emailed the Branch Manager the next day regarding the transaction. He did not respond. 

I filed an internal complaint with Regions Bank ( Complaint # XXXX ). He finally replied. I was not satisfied with his response. 

My account has not been credited with the missing {$10.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Bull City Financial 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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX  Account # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: MS
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: ALLY FINANCIAL INC.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, my card with Ollo was charged {$660.00} from XXXX. I called into Ollo on XX/XX/XXXX, and told them that I did not authorize the transaction. They did a temporary adjustment, cancelled my card and sent me a replacement. 

On XX/XX/2022, they recharged my card for the {$660.00}. I called back into Ollo customer service and they said that they declined the dispute because I kept using the card after that specific transaction which I did not. 

They had sent me a NEW card that I was using since I called in about that charge, but I did not use that card with the disputed transaction since it was lost. My credit limit for the card is {$1000.00}. When they allowed that charge, the balance was {$960.00}. After the charge, the balance was {$1600.00}. I have been paying XXXX XXXX XXXX XXXX  every month and have not been able to use it since they recharged the account with that charge in XXXX. 

They are calling me everyday because the payments I have been sending since XX/XX/2022 are not enough for the {$1600.00} balance. But I did not authorize that charge nor did I have a rental with XXXX. They have been charging me $ $ $ late fees every month and are now reporting to the credit bureau that I am late on payments. 

XX/XX/XXXX {$27.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XXXX XXXX charge of {$660.00} needs to be reversed because I did not authorize the transation. & I'd like the late fees and interest to be refunded to the card and the mark on my credit report removed.

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Can we please reopen Case : XXXX? 

Wells Fargo claimed they would work directly with my attorney. I gave them two weeks and they have done nothing. When I came back, the claim was closed. Can we reopen? Thank you so much and I apologize, I did not realize it would close without my response. 

I have reached out to XXXX XXXX and XXXX XXXX several times over the past years and have received ( 5 ) letters saying Wells Fargo will respond and nothing happens. 

Thanks again for all of your help. My families life and home is in play and we have been so stressed and eager to resolve this for two years now. 

Kind Regards, 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 2018-10-03
Company: GREAT LAKES
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Bread Financial Holdings, Inc.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute on a credit account that appears reported on my XXXX, & XXXX credit report. The dispute has not been resolved yet. 
The account is from COMENITY BANK/ EXPRESS . 
The report shows that it was opened on XX/XX/2019, and it has a balance of $ XXXX dont recognize this account on my report. This account is not mine and I never spent that amount of money. I never opened a bank account with Comenity bank. The only bank accounts that I have opened is from XXXX XXXX XXXX. I dont know why it shows up in my credit report. I realized the existence of this bank account in my report this year when I when to XXXX XXXX XXXX asking for a loan credit for a car. I kindly request to investigate and remove this account from my accounts. It is affecting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Please also refer to case # XXXX and XXXX. Problem has been ongoing since XX/XX/2018. I just received a letter from a collection agency for a debt with XXXX. I was neither notified by mail or email or from account online. This began because XXXX was negligent in picking up vehicle from dealer. XXXX forced me to sign false odometer statement ( stated wrong turn in date ) to repair my credit as they would not pickup vehicle and payments and charges kept accruing, along with there harassing phone calls, whenever you call them the first thing they say is " we are going to report you to the credit bureaus if you do not take care of this ". XXXX finally picked up vehicle 1 year and 3 months later!. This is the 3rd time that XXXX has affected my credit report by reporting these bogus charges.I do agree with the end of lease charge but not the other 2 charges. If they are claiming there is XXXX miles on vehicle and then charging me for 2 tires that are only warranted for XXXX miles how nice that is for them to resell vehicle with 2 new tires at my expense, this is normal wear and tear or they should have been disposed of at the end of XXXX mile tire warranty. Again, where was this vehicle for over 1 year and 3 months to accumulate this mileage. Again XXXX negligent for not picking up vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.

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 2022-02-09
Company: JPMORGAN CHASE & CO.
State: NJ
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:
There were XXXX unauthorized withdrawals of {$1000.00} each that were made from different ATMs using my debit card. My bank account from Chase Bank shows that on XX/XX/2022 a withdrawal of {$1000.00} was made from an ATM machine on XXXX in XXXX and another {$1000.00} was withdrawn on the same day apparently from another ATM also on XXXX. When I notified Chase Bank about these unauthorized transactions I was told by them that their credit/debit cards have built in securities in place that would prevent thefts like this from happening and because of this they told me my claim for recovering the money is denied. Since this theft happened it shows that their security can be breached. Im the only person who possesses the PIN number. I have tried calling my bank up to ask them to at least look at the camera footage at the ATMs, assuming they should have cameras at every ATM locations, to find out who is making these illegal withdrawals and each time I was unable to get a hold of anyone at the Chase Bank XXXX XXXX ( NJ ) I am hoping you can help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My chase credit report shows the following : JPMCB card shows credit balance of {$8100.00} with credit limit {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This all happened in XXXX. I ordered a dress from an online seller and when I received the dress it was damaged. I went through Paypal and tried to get it resolved and provided so much evidence. They still let the seller take my money when I offered to return the dress. I have absolutely 0 need for a dress that was damaged. The reason they closed the case is because I didnt provide tracking information on Paypal . I dont use Paypal they couldve sent me an email asking about the tracking information but they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions 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:
I sent a letter to Experian, XXXX and XXXX on XX/XX/2022, It been well over 30 days. I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX and XXXX have 30 days to respond to my dispute. This is a violation of my rights

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 2022-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is a debt collector pursuant to 15 usc 1692a ( 6 ) and has violated my right to privacy by committing identity theft. Term identity theft means a fraud committee used the identifying information of another person, subject to search for the definition as the bureau may prescribe, by regulation.XXXX XXXX XXXX has never received written instructions for me authorizing the furnishing of any information to third parties in violation of 15 USC 1681B, permissible purposes of consumer reports in general subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates.This company has violated many of my rights and I will be pursing further into this and will be hiring and FDCPA advocate to move on and start a claim in court. this company has violated many rights which is {$1000.00} per violation.

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 2018-04-15
Company: Conn's, Inc.
State: NY
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 am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Conn Credit Corp XX/XX/XXXX

Company response to consumer: Closed with explanation