BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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/2021, I made a purchase at XXXX in XXXX Oregon for. {$37.00}. 

I am contesting the transaction # XXXX for {$180.00}. appeared on my bank statement XX/XX/2021. This transaction was not made by me. We called the store and let them know.l and the store called us back and said they have the people on camera making this purchase. Apparently the cashier did not close out the card so the following person or persons were able to make the purchase on my card. I reported this to the bank and they denied my claim and will not reverse the {$180.00} charge. A proper investigation was not conducted as XXXX said they have these individuals on camera. I absolutely did not make this purchase and want it reversed and the funds returned to my account. 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 explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible

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 2023-06-19
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, Grain Technologies charged me a {$80.00} Annual Fee for your services only to COMPLETELY ELIMINATE my credit line ( their service ) less than two months later without refunding the fee paid, THROUGH NO FAULT OF MY OWN. I requested assistance from Grain and manager XXXX on XX/XX/XXXX and two months later, have not received a response. This is not only dishonest business practices, this could be interpreted as fraud. Its predatory on people with challenging es credit trying to do the right thing as Grain advertises itself to be. 

I was never given the option to close the account ( with a refund ) and Grain refuses to provide proof of this despite consistently indicating they have. XXXX previously indicated that the notice was sent in LATE XX/XX/XXXX per the attached denial and states I had 45 days to take action for this material change. Grain received an email on XX/XX/XXXX regarding this and waited more than 6 months to escalate it to a manager, XXXX who did not acknowledge this, but instead stated that Grain was within its rights to continue this fraudulent activity. At this time, XXXX copied the contents on the reported email which included NOTHING giving me the option to close my account for a refund, hence why I reached out to them via EMAIL AND NOT PHONE so no one could say there was any misunderstanding. This is all in writing and Grain still refuses to be honest regarding this, despite advising several times that the are legally required to refund me for the breach of contract. 

To add insult to injury, Grain is stating the excessive fee is related to credit reporting despite there being NO TRANSACTIONS to report, NO CREDIT LIMIT, and NO OTHER CONTACT WITH THE BUSINESS OTHER THAN TRYING TO GET THIS ACCOUNTS FEE REMOVED and the account closed, listed as at consumers request to the credit bureas. 

In fact, its actually HURTING my credit because of the company issue credit line decrease. Per the CFPBs own report published on XX/XX/XXXX, Credit line decreases tend to coincide with decreasing credit scores, exactly the OPPOSITE of what Grain claims the are charging me to do, through absolutely no fault of my own ( which Grain has acknowledged ). This companys intentional mis m-advertisement is consumer fraud at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo open up 3 accounts between XX/XX/XXXX and XX/XX/XXXX without my authorzation and i was charge for all withdrawal overdrawn fees. i have documents for accounts. Me and my grandmother ( co ) on accounts. WE FILED A FORMAL COMPLAINT!! ON XX/XX/XXXX we made a formal complaint with CFPB CASE # XXXX XXXX sent us a letter onXX/XX/XXXX!! XX/XX/XXXX SENT FROM MAIL FOR XXXX XXXX  TO WELLS FARGO. WELLS FARGO SEND US 7 LETTERS SAYING WE DID NOT AUTHORIZED THE ACCOUNTS AND WERE ABLE TO DISCOVER THESE ACCOUNTS APPEARED IN THE RECORDS OF EARLY WARNING SERVICES. THESE LETTERS CAN BE USED AS EVIDENCE OF THIS UPDATE!!! PLEASE ACCEPT OUR APOLOGY FOR ANY IMPACT THIS SITUATION MAY HAVE CAUSED. WELLS FARGO REMEDIATION!!! CFPB PLEASE REVIEW ALL MY FILED COMPLAINTS AGAINST WELL FARGO THE OPENING OF CHECKING AND SAVING ACCOUNTS UNDER MINE AND GRANDMOTHERS NAME AUTHORIZED BY US. MAKE GOOD TO US ON ALL THE CLASS ACTION LAWSUITS THAT WE SHOULD HAVE COLLECT JUST LIKE EVERY OTHER VICTIM COLLECT ON STARTING IN 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 2023-09-28
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXXXXXX was never late XXXX dept of ed XXXX was never late o The law states that under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

The law also states that 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.

And The law states that 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.

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 2023-06-19
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Glasser and Glasser law firm has made it incredibly difficult to resolve my consumer debt. They attempted to take me to court on XX/XX/XXXX, however did not do their diligence in confirming they had the right address. I only found out about it after the court date passed when a former housemate notified me. I have been attempting to reach them several times, however they will not answer the phone. I have waited as long as an hour on hold, only to have the line disconnect. 
I have submitted XXXX requests via email to have someone contact me regarding the account as I am seeking to resolve the debt. My online portal access shows a {$0.00} balance, however I believe that to be incorrect. The first request was submitted on XXXX and I finally received a call on XX/XX/12 at XXXX. The representative informed me that there was a cease and desist note on my account and I had somehow signed over power of attorney to a debt resolution company. I told her I was familiar with using a debt resolution service, but was not away I would sign away my rights to advocate for myself and handle my own affairs. She would not disclose ANY information to me and seemingly brushed off the concerns. I then submitted another request via their website on XX/XX/12 as I was hoping to figure out what needed to be done to revoke the apparent power of attorney and cease and desist they have on my account. 
I made some incredibly poor financial choices around the age of XXXX. I am now XXXX XXXX XXXX and want nothing more than to reasonably resolve my debts and take accountability for my past choices. This company is making that nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: 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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically XXXX, Experian and XXXX to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Over the course of several attempts, I have submitted all required documentation, diligently followed your guidelines, and cooperated fully in the hope of resolving this matter promptly. However, to my dismay, the bureaus have continued to dismiss my legitimate claims, leaving me in a state of vulnerability and uncertainty. Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. Account Details : XXXX XXXX. Please delete this account ASAP.

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 2023-06-19
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I bought a {$500.00} US Bank Visa gift card. Total cost was {$500.00}. When I opened the package the 3-digit security code on the back was missing or misprinted. I need this to assign a pin. I immediately called the number on the back of the card to get a replacement. I was told to fax three things : 1. front & back of gift card 2. government ID 3. statement of ownership I faxed this information on XXXX XXXX.

Two weeks from my first phone call I had not heard from US Bank. I called again today. I was told my fax was received but I need to send my purchase receipt. This was not requested before. No one at US Bank reached out to request this. They are treating me not as a customer but as a nuisance that should go away. 

Today I'm trying to fax again with a the additional documents but the fax fails before completion. Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
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 have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Experian on my behalf, with no response from Experian. also i disputed with Experian 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: GA
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:
Dear XXXX XXXX, After receiving the response to my complaint via consumer finance this is a follow-up response due to the error not being corrected. The FCRA allows you to continue reporting the account for seven years from the first delinquency that led to the charge off, which for me is XX/XX/XXXX and as of XX/XX/XXXX the account should have been removed from my credit report to comply with FCRA an althrough this account has been reported on my credit for the past 7 years I have never receievd a validation notice which violaited FDCPA policy.

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 2023-09-28
Company: Experian Information Solutions Inc.
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:
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  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 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 XXXX 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 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX is refusing to remove fraud related account from credit report after multiple attempts and documents sent to them beginning in XX/XX/2023 just recently they just asked again for proof of identity which Im submitting the letter and also the information requested through this portal.

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 2022-06-14
Company: Experian Information Solutions 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 XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX USA 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 explanation
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: MA
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 I made payments totaling {$750.00}. I checked my account and saw charges disguised as fees on my card. They were fees from merchants but I havent used the card for retail merchants for several months. I tried to dispute the charges online using their online system but it doesnt allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Possible Financial Inc
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I was asked to complete an application to see if I qualified for a " loan '' and according to 8 CFR 1.2 application is a benefit request. That request is my RIGHT granted to access MY credit. Regulation Z makes it very clear that banks can't make loans and therefore, since Possible Finance took my Social Security Number my credit was extended to them. However, according to 15 USC 1602 ( f ) credit is the RIGHT granted and the Social Security Administration makes it very clear that the SSN is NOT used as identification. On XX/XX/XXXX, Possible Finance denied that right via email in writing for that right, after having access to my credit card, my social security number according to 15 USC 1602 ( l ), and mentions factors that would be considered adverse action! According to 15 USC 1691 ( d ) ( 6 ) : For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Possible Finance has my original application ( note ) that was complete and also my financial asset ( social security number ) but I was denied extension of credit, and they will receive a benefit but I was explicit denied one.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation