BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 Wells Fargo allowed someone to walk into a branch in South Carolina and withdrawal money from my account without the proper identification. This is the 4th time this year. We already had to open up new accounts after the same incidents happened in XXXX after we had froze our accounts after my husband was XXXX at work, They allowed the bad guys to make several transactions after the hard hold was put in place. We opened the new accounts and were guarantied that nobody could get into our accounts without a ID and debit card. This person on the XXXX didn't have these items, I have all of them in my possession. I have never been to South Carolina. Wells Fargo has made accusations that it is a family member, this is not true,. On the XX/XX/XXXX I received a call of from a scammer claiming to be from the IRS fraud department, I knew right away that it was a scam, but I told the guy I wouldn't give any information but he could tell me what he he knew. He knew my social security number, my bank account number, how much was in each account and about my mortgage. This led me to look in my bank account to find the withdrawal they had done in person on the XXXX, This person was trying to get me to give them a security code that would have let them get into my account online, I didn't give it over. The same number tried to call me 8 times in a row. I have received a copy of the withdrawal slip and noticed that the signature used looks like mine. I do believe Wells Fargo has had a breach of some kind, this would be the only way they would know how to sign the way they did, I write the XXXX  in my name very specifically and you would have to see it to know it! I have spoken with a Senior Escalations Representative on Sunday the XXXX of XXXX and when spoken to about it being a breach that is when they accused my family and hung-up on me. The only thing they have offered is information to protect myself and excuses. I have protected myself, they didn't protect the customers information or accounts and treat the customer as the one that did wrong. There are many red flags that should have stopped this transaction and banking information from being given out!

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 2023-07-22
Company: EQUIFAX, INC.
State: OK
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Stellantis Financial Services US Corp.
State: WI
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 received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I have contacted the following companies and they referred me to the credit bureau for this issue. They would not remove the hard inquires. I have stated that I did not apply or give them authorization to pull my credit.

Please validate this information with these companies and provide me with copies of documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number.

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 2022-03-22
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello! I have attempted to dispute a {$20.00} charge to my checking account made under fraudulent pretenses, and Chase Bank refused to attempt to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
On XX/XX/XXXX Capital One sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX Bank stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: NY
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 guess someone got hold of my information and opened up an account with this company by the name of XXXX XXXX, which I knows nothing about. Because I never opened that account

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 2023-11-27
Company: Experian Information Solutions Inc.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 got these negative items from unknown companies to show up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TD BANK US HOLDING COMPANY
State: NC
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:
RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX. 
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00} from XX/XX/XXXX, which is on record. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX. 
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me it was due to an error on their part. 
TD Card Services again went past the 90 day limit. I received a letter ( please see attachments ) dated XX/XX/XXXX. Also please refer to Complaint ID # XXXX. 
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years. 
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim. 
Spoke with a supervisor named XXXX. She said the dispute has not been closed. She had no information about the attached letter I received about it being closed. She if indeed the dispute was closed it be re-opened yet again. She also stated to me that she would be calling me back on Wednesday XX/XX/XXXX before XXXX or Thursday XX/XX/XXXX by XXXX EST with a resolution. I didnt hear back from her by said date and time. I called TD Card Services on Thursday XX/XX/XXXX at XXXX and was put on hold for XXXX minutes. Spoke with a customer service supervisor named XXXX. He could not the previous supervisors notes. He could tell if my case was re-opened as XXXX stated to me. He did however open a new case ( case # XXXX within TD Card Services. XXXX said he or XXXX would be reaching out to me on Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at least with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Credit Solutions, LLC (KY)
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 I received a written notification from XXXX XXXX XXXX XXXX  regarding an attempt to collect a debt. This notification was answered, via a typed document, by me XX/XX/2018 disputing the debt and the amount of the debt. Monthly payments have been and are continuing to be made on a monthly basis. I had also notified them that I have had to request, on numerous times, an updated and correct billing invoice of which I would receive after several requests. During those wait times I continued to make monthly payments. I received a call at work today on, XX/XX/18 at approximately XXXXXXXX from a " XXXX '' from XXXX XXXX XXXX XXXX . I relayed the information above to which he stated he had no " proof '' of. I expressed my sympathy to him and suggested he check all records from XXXX XXXX XXXX XXXX and for clarification of correct information. " XXXX '' continued to verbalize his monologue and I I thanked him for his call and hung up. 

A second call was made by " XXXX '' at XXXX XXXX and was forwarded to voice mail. I sent another notification to XXXX XXXX XXXX XXXX   requesting correct information from their source.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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 settled and account with XXXX XXXX and noticed the bureaus were still reporting the account with a lower balance but not a XXXX balance. This was settled and should have been deleted and had the bureaus actually investigated as requested this would have already be resolved.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE 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:
The following inquiries listed are unknown and unauthorized. I have called the bereaus and requested that they remove with no response. FCRA violation 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 XXXXXX/XX/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 2022-03-22
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2022 I applied got approved and sign loan disclosure for a {$250.00} loan. Everything cleared got approved and selected instant fund. Call to ask why the funds didn't clear and was told loan is being withdrawn bc of a previous loan. I paid off previous loan years ago and closed it. I was approved and signed loan disclosure showing XXXX payment set up and everything selected find to be deposited on my card. XXXX was approved then I called they removed the loan totally as if it never happened no denial nothing was told my loan was removed rhats all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called the company offered them {$300.00} which they denied to accept I than told them to verify the debt I want the original contract between both parties. All I received was an invoice which could be fraudulent someone using my name. I been informed the original company wrote it off which I assume took a tax break from it but now also want to collect for even more money!

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 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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

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 2023-11-27
Company: Experian Information Solutions Inc.
State: CT
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-13
Company: Incomm Holdings Inc.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have 2 cards not working, one is XXXX dollars and the other is XXXX dollars, on XX/XX/XXXX I contacted customer service, they said they can help me replace a new card, I will be on XX/XX/XXXX and XX/XX/XXXX Received it, and told me the tail number of the new product. Due to my local weather problems, this letter was delayed, and I have not received it. I will call back and ask a customer service to create a case number for meAnd every time I have to wait 40 minutes to connect to the phone, but there is no way to solve the problem, I complained to the cfpb about the company, but they said that we did not provide the materials they needed, actually I submitted several times, I submitted them all Yes, but still no reply, they won't upgrade my case, they won't solve anything for me, and they don't want to refund my money, which is the daily expenses of my new company, because the company has just been established and is in the process of It was a very difficult time, but the income company embezzled our {$800.00} money and refused to exchange it. I have been waiting for almost 2 months and cant use the money. They always replied that I didnt receive my documents and closed the case. I can actually prove that they did receive my documents and I hope my card can be processed as soon as possible as our business needs the money to do business and if I don't get it I will go to small claims court sue you my case number isXXXX XXXX and XXXX XXXX. 
my card number is XXXX and XXXX, {$500.00} and {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
JP Morgan Chase Card has been making unauthorized monthly inquiries in my credit reports since XXXX, with the latest being XX/XX/XXXX. I have complained to the credit reporting agencies and Chase Bank to no avail. I did not authorize these inquiries and I would like for them to stop accessing my credit reports.

Company response to consumer: Closed with explanation