BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently put a copy of my credit report, and I notice two inquiries, showing on my credit report I understand that inquiries must remain on your credit report for two years, however The inquiries listed on my Trans Union credit report I did not authorize or give my consent to pull my credit. XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023

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 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have banked with Bank of America for 17 years. I have never filed a claim n them. On XXXX of 2023 My account was hacked and compromised causing me to lose XXXX in transaction via XXXX XXXX so random people that I have no idea who they are and where they live. My car insurance is canceled at the present moment do to not having the money available in my account. I have contacted my internet provider and my cell phone carrier. About the situation and they have changed my hardware and my sim car for my phone. I am still waiting for them to give me a resolution to this matter, and they keep blowing me off. Serval on my neighbors have had. The same issue with this bank. I don't know where else to go and ask for help. Please help me I have a family to support and take care of.

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 monetary relief
Consumer complaint received 2023-04-12
Company: Ability Recovery Services, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint Number submitted, XXXX XXXX, XXXX Contacted by Ability Recovery LLC , called from XXXX ( XXXX ) on XX/XX/2023. I spoke with XXXX XXXX XXXX, XXXX, office personnel atXXXX  ( XXXX ) about this issue. XXXX stated this issue has been resolved. XXXX XXXX you are on financial assistance and we pick-up any charges after your insurance has paid their responsible costs. XXXX stated this issue has been resolved, and you have no outstanding balances. 

Submitted, submitted XX/XX/2023 2023

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 2023-03-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting everything must be true and 100 % accurate.

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal.

15 U.S.C 1681 section 602 A states I have 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 2023-03-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After a long drawn our process taking hundreds of hours on the phone, Wells Fargo messing up multiple times all of my claims were settled with many denied. One claim that one denied was a wire transfer for the amount of {$1000.00} because it was too long ago. Although they could credit other fraudulent charges that were older they could not refund this. 
Wells Fargo messed up so bad that they blamed the computer for missing transactions that I had disputed so they had to listen to the phone calls. These were some of the missing claims, they were denied. 
There were multiple transactions that were missing from claim XXXX on the XXXX XXXX  ending in XXXX that were requested to be researched. The debit card ending in XXXX was used for 4 unauthorized XXXX transactions of {$20.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX, {$43.00} on XX/XX/XXXX, and {$1700.00} on XX/XX/XXXX. For these transactions claim XXXX was filed. 

This claim was denied because Wells Fargo saw me transfer an unknown amount of money in my accounts so I must have known. I have a letter from XXXX stating that I did not have an account with them. Wells Fargo says to work with XXXX yet XXXX has no record of me. How could any transaction that took place using a XXXX account that I never had, not be fraudulent. Wells Fargos statement even says they were unauthorized. To top it off one of the original investigators failed to pass along the id theft information so they hit me with dispute fraud, closed my accounts and I had no access to my statements. So I had to go to the local branch print out about a foot tall stack of paper transactions that werent even in chronological order. Up until Monday ( XX/XX/XXXX ) I was told they were still working on the case, I still had hope. When I called to check the status they told me that they figured it out on the XXXX and it was just a computer error why I was receiving emails

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 2023-03-16
Company: EQUIFAX, INC.
State: MD
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 or 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inaccurate account from my credit report. I did not authorize its creation or usage. Attached are the relevant documents supporting my claim.

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 2023-03-16
Company: Americas Car-Mart, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The account was open on XX/XX/2021 and closed out XXXX XXXX. 
The car was a XXXX XXXX which has a life time warranty on the motor and transmission. 
The motor blew up and I had it towed to Car Mart where I purchased the vehicle from. 
They kept it in the shop for over a month before telling me I had 2 choices : A : keep the vehicle and allow them to put in a used motor with no warranty at all coast to me. Which they estimated around {$4000.00} to be added to my existing loan. They where trying to gouged me. 

B : let them put me in a new vehicle, start my loan and my warranty over again. 

They assured me this would not effect my credit and it immediately dropped my score XXXX points. I need this to be deleted from my credit report asap if at all possible. It is effecting me buying a house. Thank you in advance XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 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 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

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 2023-11-20
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Copious amounts of money were paid to this company and yet they are attempting to collect more with zero validation of debt provided to me. No evidence of validation of debt has been provided to me after multiple attempts and certified letters through USPS. 

ATTACHED ARE PAYMENTS MADE TO XXXX. 

MOVE IN XX/XX/XXXX MOVE OUT XX/XX/XXXX {$2700.00} paid {$2600.00} paid {$2600.00} paid again That is a total of {$8000.00} for 2.5 months of rent when rent was only {$2600.00}.

I WANT VALIDATION OF HOW THIS COMPANY IS ALLOWED TO PLACE ON MY CREDIT REPORTS AN AMOUNT EXCEEDING {$3000.00} NEARLY {$4000.00} WITHOUT ANY PROOF BEING SENT TO ME AND THE CFPB NOT OBTAINING THIS INFORMATION EITHER!

I will include all parties involved in the illegal activities of not providing consumers validation of debt or due process of allowing disputes. THIS IS A DISPUTE OF DEBT

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 2023-03-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a {$8000.00} deposit with truist bank in XXXX ga on XX/XX/XXXX. The check was cleared on the XXXX of XXXX and the funds where made available to me. On the XXXX of XXXX my account was locked due to getting disconnected on the phone during the verification process. I was told to go to the local branch by the fraud department and they would be able to unlock my account, when I arrived at the bank the banker told me he could not help me and to ca the number that told me to go to the branch. I spoke with them and they said they should have been able to unlock my account from the branch but the bank was closed by that time. 
The next day on XX/XX/XXXX I was advised that the check has cleared and funded but I needed a notarized letter from the check sender to release my funds. The people who sent the check said they will not provide any information without showing some form of proof. The bank says they have no way to show me through email or with paper why my account is locked. The bank refuses to call and verify the check with the sender without a letter that they won't give me without proof of my account being closed due to their check because the funds are cleared in their side and out of their account. I spoke with a woman on the night of the XXXX of XXXX and she told me tongo to the branch to get the proof letter of why the account is locked as I arrive at the branch the banker tells me that they can not provide any proof to me and to call the fraud department. I called the fraud department and they told me to go the the branch again. So I'm left stuck with no funds and no solution or even proof of why my account is locked.

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 2023-03-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, PXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus stated my account was properly investigated but how is that possible if there is multiple inaccurate reporting such as payment status, worst delinquency, and last update. This is ground for removal the also violated my rights under The Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires that credit reporting agencies provide accurate and complete information in credit reports.

The discrepancies in payment status and worst delinquency suggest that there may be errors in the reporting, and the lack of recent data on XXXX violates the requirement for current and complete information in credit reports. 

The inconsistencies in this account on the credit report include : The payment status is different across all three credit bureaus : XXXX reports " not more than two payments past due '', TransUnion reports " 30 days past due '', and XXXX reports " no payment status available. '' The worst delinquency is also different across all three credit bureaus : XXXX reports " 60 days past due '', TransUnion reports " 90 days past due '', and XXXX reports " no worst delinquency available. '' The last updated date is different for TransUnion, which is last updated in XX/XX/XXXX, while XXXX and XXXX are updated more recently in XX/XX/XXXX and have no recent data respectively.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX {$7600.00} is reporting in error. I have tried Mutiple time to correct this matter. Please delete this item 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 explanation
Consumer complaint received 2023-03-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Chase/Southwest credit card with a {$0.00} balance balloon to a balance of ( {$320.00} ) without any charge being made. 
Being paperless statements, I got my first overdraft notice after 4 months. I immediately called Chase Bank Customer Service in XX/XX/2022 and pointed out that I had placed no charges on the card. They agreed then to close the card. 
In XX/XX/2022, I received another overdraft notice and immediately called Chase Bank Customer Service. They again looked at the record and agreed that I had made no charges on the card and agreed to close the card. 
In XXXX, I sent 4+ messages to Chase pointing out that I had made no charges on the card and that Customer Service had twice said they would close the card. The card has now been sent to Collections. 

I feel preyed upon and elder abused in that a card with a {$0.00} balance turns with fees and charges into a stealthy money maker for Chase/Southwest .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-03-16
Company: Experian Information Solutions Inc.
State: VA
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 demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation of 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 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

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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/XXXX XXXX was taken out of my personal account twice. I requested the additional XXXX to be credited back to my account and Kohls stated they had to sent it in a check form. As of XX/XX/XXXX I still had not received the check for the XXXX as when I requested the check on or around XX/XX/XXXX my account balance for Kohls was XXXX. I called back in the middle of XXXX to ask where the check was and was told to wait till the end of the month. I called again in the middle of XXXX as I still had yet to receive the check and they stated they would be sending it again. On XX/XX/XXXX My payment due balance.was XXXX. As of XX/XX/XXXX they recharged me XXXX two times and added late fees to my account on top of a purchase I had made for XXXX XXXX  sales. I never received the XXXX XXXX  sales purchase as it never left the warehouse. I called to request a refund and never received one and also also called to ask about why I was charged twice for XXXX. The issue was not resolved and I was told to fax my bank statement showing I was charged XXXX from my bank account. I faxed that information. They then in return took off one of the XXXX charges but not the other one. I have called every month since then asking for the check to be sent and each time I am told it is being sent. As of today, it has not been sent and I am not being charged late fees on top of the money that I never owed. I have called to try to find a solution but they do not offer one. I need this fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of IDENTITY FRAUD due to my PERSONAL INFORMATION being compromised in the EQUIFAX DATA BREACH. Please remove these accounts from my credit report. 

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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation