BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: GA
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:
1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the XXXX pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX  ( XXXX ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a complaint requesting that CREDIT BUREAUS reinvestigate the disputed Accounts from my credit report as well as correct these following Accounts : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7500.00} from my report. As of this date, XXXX, XXXX and TransUnion have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law

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 2023-03-04
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:
In accordance with the Fair Credit Reporting Act, the below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX  account # XXXX *XXXX XXXX XXXX  account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING XXXX XXXX, AND EXPERIAN have violate

d my rights as a consumer and disregard to the laws set forth in FCRA. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written
instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to any 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 2022-10-25
Company: Affirm Holdings, 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 act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The company is Affirm Inc and this was done multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Chime Financial Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is a previous file. Chime bank lied to you and stated the charges were vaild when I said they robbed me. I have the reversal of charges to prove Chime lied to you the entire time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX I had an account at XXXX XXXX XXXX. I had one payment left and Synchrony closed the account, stating items they say were found on my credit report. At the exact same time, they also lowered the spending limit on my JC penny credit card to exactly what I had charged. All of this tanked my credit score! I called and asked them why, complained about their practices and they kept stating something on my credit report, which was NOT true! If I am paying my bills with them, they have NO reason to run my report or to lower the limits. Now that they tanked my credit score, they are doing it againXXXX XXXX is showing that they lowered my limits AGAIN on my JC penny card when I have been making the payments, stating something on my credit report. Each time they lower my limits, it tanks my credit score more and more. I am sure they have broken so many lending rules as well as running my credit report on a consistent basis, when I clearly NEVER signed anything for them to run it-I have looked into locking all of my credit reports so that they can not do this again. Their business practice is in question and I am sure they have broken a bunch of government rules doing what they are doing.

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 2022-03-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
on XX/XX/22 of this year I recently got an email from Experian saying they took my credit score away permanently without any explanation of why I called the company Several times but kept getting a record ed message no one would answer the phone telling me to go online to get in touch with them which I did several no response back from them about all of a sudden change now I have no credit score upon my research they are trying force to by products and services to pay them a upgrade fee for my credit score which I can't afford right now this practice is for illegal and needs to be looked into because I have free account with them now they want to pay for something I don't want or need right now and can't afford people are struggling I trusted them but not anymore I tried to close my account as well can you please investigate and find out why there doing this please 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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4800.00}

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 2021-10-22
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have a Coinbase and Coinbase XXXX account. I bought a new phone. Evidently, a new phone is not recognized by the site. I have been logged out of my account for 4 days now. I have tried to contact the company, but they don't have any live customer support. I have sent multiple emails. The response is tepid at best. I get form notes from some customer service, but none that solve my problem. It would seem you should not be able to operate a company that is dealing w so much $ without having the ability to answer questions and give customers access to their accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-12-21
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company opened an account using my personal information with no authorization from me. Medical Data Systems has reported to The Bureau that the accounts of the alleged debt are open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company, and the process has not started. Medical Data Systems has reported an incorrect illegal account to The Credit Bureau without consent from me. The Bureau reported that the account was valid. I am a consumer which makes me the Original Creditor. I also explained that the final bill was paid, and the account was closed. I requested that Medical Data Systems provide me with a contractual agreement between them and I containing my signature. The document requested should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and the alleged debt has already been paid. This tactic is listed in the U.S. and North Carolina State law as identity theft and has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Marlette Funding, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX, I applied for a personal loan of {$25000.00} from BestEgg Company. 
I filled out all the documents and specified I was " Self-Employed. '' I received the notification that I was " Approved. '' ( " Congrats! You're approved ). 

NOTE : THIS WILL BE MY SECOND LOAN FROM BEST EGG The next screen shows my " TRUTH IN LENDING DISCLOSURE STATEMENT. '' Then the next screen said " Almost done ... Before we can deposit your funds, we need to verify your information. '' BUT I WAS APPROVED. 

The display continued by stating : " You could get verified instantly by connecting your payroll provider ( like XXXX, XXXX, XXXX ) ''?? 

First of all, I do not have a payroll provider. I stated that I was self-employed when I started the application process. THEY APPROVED ME. 
Is BestEgg trying to get me to pay for a Payroll Service that I don't need? 
I have included documents. 

Best Egg, XXXX XXXX XXXX, XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: SC
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:
Whom It may Concern. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE All information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C ( 1681 ), every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The Following derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately the infractions are as follows ; Alleging Creditor and Account as is reported as having a late payment my credit report : Creditor : XXXX XXXX Account Number : XXXX I demanding that this account be update to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you be certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PNC Bank does not allow its members to connect their account with outside services. I have encountered this issue while attempting to setup an account with the popular trading service, XXXX. Why would members not be allowed to use their account in a manner they respectively see fit? I can understand needing further approval or a in-depth and more cohesive approval method, but to outright deny members a service without apparent reason, or choice for that matter, is outrageous and should be regulated or at the very least scrutinized. Thank you for consideration in this matter. I hope many members can benefit from this inquiry. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was XXXX due to XXXX on XX/XX/2022, and my health insurance expired while I was in the hospital. I was charged and billed {$4.00}, dollars, by the insurance company and my employer did not offer me XXXX or send me an election notice, I was not informed about XXXX and did not know how to apply for it. this medical bill was placed on my credit reports with TRANS UNION, XXXX, and XXXX, I challenged it, but the credit bureaus did not remove it, according to Federal Law employers have to provide employees with XXXX notice and election procedures, and I was not presented with notice, and this would make the bill placed on my credit reports wrong and the balances wrong. I would like this bill removed immediately causing me financial hardship. The account is listed below. 

XXXX XXXX XXXX ( original creditor XXXX XXXX ) ACCOUNT : XXXX Sincerely Yours, 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 2023-05-26
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was divorced in XXXX and filing for a release of liability through phh mortgage to get the ex removed from the mortgage. 
XXXX - they received the release of liability package XXXX - the release of liability goes to underwriting XXXX- they cash the check for the release of liability processing fee XXXX - the do a hard credit inquiry call repeatedly between XXXX and XX/XX/XXXX. Told that it take 40-60 business days for the underwriting department to process the request. 

It is now day 62 and they again checked my credit XX/XX/26. I call again and the escalation manager tells me someone is going to call me today but he has no information. 

I am under court order to complete this process in 120 days, 120 days was XX/XX/XXXX. I am waiting for the release of liability to complete so I can close on a home equity line so I can buy my wife out of the house, but can not complete this until she is off the primary mortgage. 

I have XXXX in equity in my home and only owe XXXX and have been with them 15 yrs. They can see from the tax returns in the release of liability package I have been making the payments on my own as my wife hasnt worked in 10 yrs. I make XXXX a year and have a credit score of XXXX. 

There is no reason this process should take this long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
People were hacking my accounts, as well as pretending to be me!

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 2023-07-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-05-26
Company: JPMORGAN CHASE & CO.
State: CA
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 am filing this complaint about the credit card charge dispute. I used my Chase Freedom Card ending XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The transaction involved the purchase of three {$500.00} gift cards. However, the store was able to activate only two of three gift cards but I was still charged for all three. I brought this to the attention of the store manager, store bookkeeper. They helped me reach out to the store headquarters and file case # XXXX to document this incorrect charge. I was also advised to dispute the charge with the credit card company to get a refund. 

I disputed the charge on my said credit card on XX/XX/XXXX, but my claim was declined by Chase indicating that the charge was valid. The document shared by XXXX XXXX to Chase was given to me which clearly showed that the Gift card activation had FAILED. I brought this to the notice of Chase Customer Agent and they helped me file a redispute in XXXX. There has not been any further action taken since. 

I reached out today ( XX/XX/XXXX ) for the status of the dispute, it has not been resolved or handled yet. I have all the documents ( store receipts ) and the letter shared by XXXX to Chase that shows the transaction had indeed FAILED. 

I am hoping filing this complaint will help me recover my hard-earned money.

Company response to consumer: Closed with explanation