BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: SC
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 XXXXXXXX XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 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 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Several dispute letters have been sent to all three Credit Bureaus relaying that Company is no longer is business. Company is no longer in business. A letter was sent on XX/XX/2021 and was sent back to Consumer. 
[ XXXX XXXX  ] with a RETURN TO SENDER-NOT DELIVERABLE AS ADDRESSED-UNABLE TO FORWARD. Creditor is not apart of the 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 2023-04-12
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:
I, XXXX XXXX did not provide the credit reporting agencies with written permission to report any of these accounts and I am requesting the removal of the accounts listed below, from my credit reports. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). 

I did not provide the company reporting any of these accounts with consent to share my credit card ( ID, SSN, etc ) with another entity ( the XXXXredit reporting agency ) This is a violation of 15 U.S. Code 1681s-2.

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 2023-01-13
Company: EQUIFAX, 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 loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX Open DatXXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX - This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2023-07-19
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I want to start off by saying I have always had my own private homeowner insurance and landlord since XX/XX/XXXX. XXXX XXXX obtain my loan and transfer to Fay Servicing. I contacted Fay Servicing and sent a letter requesting to remove the insurance and was informed a liability. I reiterated I have my own insurance. It appears I may have been charged twice from the mortgage and my own. I sent an email to XXXX XXXX and Fay Servicing XX/XX/XXXX for an thorough investigation and audit, please respond within 30 days. NO one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: PA
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-28
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023 my Google Pay account registered under the email XXXX was suspended for " suspicious activitiy ''. I was instructed to upload my ID and most recent payment method used on my account. I uploaded my ID multiple times, a phyiscal picture of both the debit cards on my account, and XXXX bank statements for the checking account on my account. Each time I was informed the documents could not be verified. 

I then recieved word from the XXXX team that my accould would have to remain suspended due to terms of service violation. I have had this account for years and not a single issue like dispute so I am not sure what terms of service they are refering to that I violated. 

Regardless I decided to withdraw the {$1800.00} in my Google Pay balance since they would no longer allow me to use my account. I was then prompted with a message saying " Something went wrong. Your account was suspended. Go to the payments page for more info ''. 

Since then I have had this same message every time I try to withdraw my money. Google pay closed my account for no reason and is trying to steal {$1800.00} from me. This is very upsetting. Please make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Cascade Creditors Service, llc
State: WA
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 received information from XXXX XXXX via email on XX/XX/XXXX about an account that had been co-signed for. The information provided showed a co-signer agreement that I signed, however it was dated from XX/XX/XXXX to XX/XX/XXXX. I reviewed the documents provided and I responded on XX/XX/XXXX that the information showed that the co-signer agreement was invalid based on the dates showing. The other piece of information according to this agreement that I want to include was that the co-signer agreement was only for the terms of the lease which was for one year. The debt that they are attempting to charge me for was from a charge on XX/XX/XXXX. I never signed anything agreeing to co-sign anything beyond the initial lease term. I also want to point out that initial co-signer agreement was invalid. I made them aware of that and they never replied further. I was not aware this was on my credit report until XX/XX/XXXX and I have disputed the charges with the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'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 non-monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
continuing to report a balance on a sold debt is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ) the balnce must be reove at once or a class action law suite will be filed

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 2019-09-17
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband XXXX and became XXXX, making me unable to make payments. I asked for XXXX protection as well as asked about the XXXX XXXX XXXX. I inquired about the XXXX credit protection in place, as part of a payment. The company refused to look into any provisions in place for a military members family. This debt collection company has now bought the debt and has not validated it nor looked into these protections on the original account. They continue to report a negative balance of {$490.00}, despite me disputing and the ability to provide documentation. This is a shame to military members who become XXXX serving their country and debt buyers as such are the bottom of the barrel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a {$4000.00} credit limit and I had an {$1100.00} credit balance on my credit card account. My credit card account when I tried to make the purchase was - {$1100.00}. I wanted to charge {$5000.00} on the credit card. The card was declined, even though it was below the credit limit with the credit balance of {$5200.00}. I contacted the card issuer but they would not allow me to use the credit limit and credit. They said I could only use the {$4000.00}, which was my credit limit and then I couldn't use the credit until the authorization became completed, which with Capitalone is usually 4 to 5 days. So, I am unable to access my credit balance for 4 to 5 days and I wanted to make a purchase using my credit limit and my credit balance. I asked why I couldnt just do two transactions ; one for the credit balance and then one for my credit available on my card but they said until the transaction was processed for the {$4000.00}. I won't be able to go beyond that amount until again, 4 to 5 days when their authorization processing is complete. I am unable to make the purchase as I wanted to and I had to draw money from my bank account, when I had a credit balance on my credit card. I don't think they should be able to deny me the access to my credit and my credit limit. I spoke to a supervisor, XXXX XXXX and asked him to authorize it but he said he couldn't. He said I would have to wait until the authorization is complete, which again, is usually 4 to 5 days in processing with Capitalone. They have the slowest processing of all the credit card companies. It should not be legal ro deny a credit balance. Any credit balance should be included with your credit limit as you are not going beyond your credit limit if you have a credit balance behind the two totaled together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My ex spouse set up an account with Wachovia in XXXX ( I believe, it may be another year ) ; for child support to go into. It was a custodial account with our minor children listed as recipients. Wells Fargo bought out Wachovia & the account never seemed to read the proper balance so I was continuously being charged fees and they would take up all of the child support payments for my kids. 

His current wife & him decided to use the statements from the account he set up for the kids to answer credit mailings sent to their residences in multiple states ( they were XXXX XXXX, I am a medically XXXX veteran ) and created many false credit lines. 

It caused repeated financial strain, homelessness, & food bank lines were a way of life for us due to all the erroneous fees charged on this account. I believe I finally got fed up with them in XXXX and the account closed out organically as I went to the child support office and had the payments sent to my XXXX account. The damage was already done, my credit was ruined. I couldnt find a rental as a XXXX veteran with XXXX young kids. 

I believe there was a credit card at one point before my XXXX bankruptcy as well. 

I currently hold a XXXX card with the company as I did not realize the affiliation with Wells Fargo until I received a statement & didn't want to have to do another credit pull as I had just purchased a home at the time I signed up for the credit card.

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 2019-07-14
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Compass Bank offers 2nd chance checking everywhere!!! When I tried to open an account. I deposited {$500.00} in a checking & {$500.00} in a savings. They approved me, then turned around and denied me!!! They reimbursed my {$1000.00}. But it took them some time. I cant open a checking account!! I am working with XXXX firm to straighten out my credit. I have 2 credit cards, and cant open a checking acct. to set up bank pay with my cc companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My current Mortgage company XXXX informed me I was paying for insurance as well as my own private insurance. Technically, I should not have. 
I've reach out to Wells Fargo, XXXX XXXX and XXXX XXXX  to get to the bottom of this problem and so far no one has responded to my email dated XX/XX/XXXX. 
I purchased my condo XX/XX/XXXX and maintain private insurance up until I moved out XXXX. I rented the property from XX/XX/XXXX to XX/XX/XXXX and continue to keep XXXX insurance. XX/XX/XXXX I moved back into the resident and again kept insurance. 
I request from XXXX XXXX, XXXX XXXX, and XXXX to investigate and do a thorough audit. If they continue to pay insurance to my private insurance, than I am due any payments. 
I request from Wells Fargo and XXXX XXXX to drop the insurance and I was declined.

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 2022-01-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
USAA has inaccurate timeframes displayed when attempting to pay a bill. If you try to use the timeframe displayed an error is received on the following screen that states, " This group of payments could not be scheduled due to error ( s ) shown below. To correct the error ( s ) return to the Pay Bills page.Payments with Errors. '' Then it displays, " NOTICE : Payments to this biller need to be sent by check, which requires more time. Please submit a new payment and choose an arrival date that is on or after XX/XX/2022. ( XXXX ) '' I have reported this issue to USAA Customer Service, USAA Chat, XXXX XXXX and XXXX in the Office of the President, Technical Support, and @ USAA_Help on XXXX. USAA has provided no meaningful response and/or action. I have not had a single bill payment arrive to a biller on time since using this account. Please hold USAA accountable for perpetuating this fraud and unnecessary expense due to late arrival of payments on customers. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681.Account names XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2022-01-02
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir/Maam I am writing to dispute the following information in my file : ( XXXX Bank, Secured Credit Card XXXX XXXX Bank ) You will also find this item circled on the attached credit report. The item I have identified is inaccurate because I have no recollection of doing business with either accounts. It has already been 30 days since I filed this complaint with the Fair Credit Act & I havent heard anything back. 
I am requesting that these items be deleted in order to adequately reflect my true credit history on the attached report. 
I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation