BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I do not remember the date but Chase Bank Blacklisted me over {$70.00} and I have been deemed high risk ever since. Let me rephrase that the know it all agent I was arguing with ILLEGALLY Blacklisted me and deemed me so called high risk when I'm not. Now I can't open up a bank account, obviously can't get credit nothing. Chase Bank ruined my life and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: CITIBANK, N.A.
State: MI
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:
A hard inquiry by XXXX dated XX/XX/22 appears on consumer reports. No disclosures were given for this hard inquiry.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: NM
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.

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 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 2023-09-09
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Dispute XXXX Texas Attorney General Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The account identified with the Texas Attorney General Office # XXXX shows I currently owed {$51000.00}. That amount is grossly inaccurate because I had consecutively paid the payee since XX/XX/XXXX, and the Texas Attorney Generals Office has proven fully satisfied and released the debt. 

The date of XX/XX/XXXX, the first delinquency on my report, is inaccurate and should have never been reported as delinquent on the consumer report. All three credit reporting agencies have continued to report inaccurate credit information mentioned in this letter.

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 2023-07-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX 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 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 2021-01-30
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account was placed under my name erroneously. Since then, DISCOVER BANK has damaged my name, and my credit. DISCOVER BANK has entered derogatory information into my credit file. I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have spoken to both company credence resource management and att already. I do not know why they keep purchasing my identity that's theft. I have already did an identity theft claim per 15USC1681C-2. THROUGH THE FTC.GOV. I do not have to comply with this company policy about me giving my information to them using their identity theft packet that is not law and its my privacy according to the privacy act 1974, I have already stayed in honor by federal law by filing a identity theft report. Att has been removed from my credit report in XXXX and my information continues to get sold to these debt collectors which is fraud. This company has never tried to reach me by mail only by phone and when I informed them that this debt was not mines they continue to willfuly place this item onto my consumer report. On XX/XX/XXXX The company stated that it is not law that they have to contact me by written communication and that is false in fact they do according to 15USC 1692C ( A ) : without the prior or written consent of the consumer given directly to the debt collector or the express permission of a court or jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.By FEDERAL LAW. Credence resource management is suppose to conatct me by writing in which they have never. They are telling me I owe a debt which is illegal per 15 USC1692 B2, According to the privacy act of 1974 it is illegal to sell any of my information especially when XXXX has been deleted from my consumer report in XXXX. I do not know why they continue to harrass me when in fact att has been deleted in XXXX from my consumer report and I will not give my information to this company at all and there is no law stating that I have to. This is a 3rd party debt collector agency who I have no obligation to, at all and Att continues to willfuly and neglect to hand out my identity to these 3rd party debt collector agencies.I have never signed anything with this company and again XXXX has been removed from my consumer report in XXXX. Also on XX/XX/XXXX Credence resource management stated that If I do not fill out their company identity theft packet then they will not remove the item from my consumer report according to 18 usc 873 that is considered blackmail and they shall be imprisoned and fined under this title or both. Again blackmail and coercion is a crime per 29 cfr1630.12. Also stealing someone elses identity is also a crime per 18 USC 1028. All obligations belong to the united states according to 18 usc 8. I will not be filling out your packet so that you can steal more of my information and it is not a law for me to do so show me the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted XXXX about inquiries. They had no numbers on companies, some marked with number XXXX. The number for XXXX was a fac number so we don't know what company it was for. Inquiries listed as unspecified which is not exactly permissable purpose on 1681, 1681s. 
I was however offered the " correct '' number and hey stated it yet report had a different number. I requested information on their decision and how they reached it and the gentleman kept going in circles. The supervisor got on and kept talking over me and stated that I can't file dispute with them and I had to go through companies because they didn't have a he information needed to explain. I told her that I already disputed on the site and she refused to tell and kept talking over me.bsaid the same thing Experian said I had to contact company But Experian said if they report it then we have the put what they report to us. I called back and the girl said I gave the same supervisor and she will tell you that he same that she just told you. Wow, so they just talk about folks business and cine to a joint decision they make instead of kaes and statues they are to follow.

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 2023-07-02
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:
On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. XXXX XXXX is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists. Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. XXXX XXXX charge off.

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 2023-04-10
Company: Credit Glory LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  I was trying to contact XXXX XXXX XXXX and clicked on the first website XXXX  and called XXXX assuming this was the company. Spoke to a woman who mentioned she had two options to settle my collections and she said my call was transfer to her since the other one was way to busy and no one was available. She collected by name, address, date of birth and social security number. When I questioned why she was asking she mentioned that she didn't have access to it like the other department. Once she tried to get me to pay in order to run my report I requested she transfer me to the other dept, but she kept pushing to make me stay working with her. Finally I decided to hang up and realized it was a different number I was supposed to be calling. I ask XXXX XXXX if they were affiliate with the other company and he reassure me that they were not and they do not have two options to settle my account. I then realized I had been scammed and had given all my information to the woman. I put a freeze on my credit report and will contact the police about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, 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:
Equifax Is saying my documents are fake cfpb i'll let them be the judge of that sent over hacking reports, police and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: BB&T CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Directors of XXXX XXXX XXXX XXXX XXXX XXXX XXXX took our Account from USDA and refinanced it with BB & T Bank XXXX, Alabama. The Articles of Incorporation state that notice is to be mailed out to the members of the Cooperative and the members are to vote at the Annual Meeting or Special Meeting. Notice was not mailed out and we, the members were not asked to vote. On Monday XX/XX/18 I took the articles of Incorporation to the XXXX Office, and they faxed them to the XXXX Office. I have had no response from this and I know they were suppose to provide the minutes from the meeting showing the members had voted to change this loan.

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 2023-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I attempted to send {$110.00} via XXXX  from my wells Fargo account to a local service provider. The person misspoke and have me the wrong phone number. They realized the mistake within seconds, and I was on hold for the bank less than XXXX minutes after the transfer was started. The bank told me it would take 10 days to resolve the problem, but XXXX weeks later they told me they could not do anything. I complained to the XXXX, and received a call from the bank. The person who called said they could fix it, but would need another week. A week later, she called back to say they couldn't fix it. I asked her to file a police report and press charges since the person who received the money had accepted it, and this committed fraud and wire transfer fraud. I also pointed out that the person refused to answer my calls because they know I'm trying to get my money back. The agent told me the bank would not assist 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 2023-09-09
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The US bank deside to close my account after i made a withdraw from my XXXX  account to bank account ( XXXX ). 
First when i link my bank account with XXXX has been over XXXX months when XXXX send me XXXX small deposit by the time the bank never decide to close or hold the money. My XXXX account has been link with my XXXX Name XXXX XXXX  That means ( XXXX XXXX ) When people has a bussiness account its possible to have any nick name, thats meam if i transfer fund to my bank its coming showing that nick name, but is the bank do not understand that is not my Problem!!!!!! 

Almost XXXX moths with this issue, and the bank keep my money, i went to the branch and i spoke with the manager to XXXX ( XXXX ) She said the fraud deparment do not want release the funds. 

I told her XXXX time, if the bank do not want gave me my money, just return my XXXX money to XXXX  and i will be able to transfer the fund to my other bank. 

So, i just want us bank refund my money or give me my money without more issue, im tired about this situation. or im going to issue the bank for by thieves.

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 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXX ( XXXX  ) shows me my FICO Score, which is XXXX and gives me a list of " Key factors affecting your FICO Score. '' One of the factors listed is " Too many accounts with balances, '' but I only have one credit card  account. I was told on the XXXX site that " if [ I ] find inaccurate information that may have affected [ my ] score, [ I ] can dispute [ my ] TransUnion credit report at www.transunion.com or call TransUnion at XXXX. '' I called TransUnion and they verified I only have one XXXX  credit card account, and therefore the FICO factor affecting my score must be erroneous. But they wouldn't tell me how to fix the problem and the customer servicer representative wouldn't allow me to speak to a manager. They said they would include a consumer complaint note in my file and that maybe someone could fix it, but that they weren't authorized to change my score, which didn't make sense. They also told me the problem was with XXXX, but XXXX says the problem is with TransUnion. I also tried to find a way to contact FICO but couldn't find a way. 

How am I supposed to fix the problem? I don't want my credit score to be lower than it should be, and I don't know how to point out errors or to whom I am supposed to point out those errors, and I don't know who is responsible for fixing the 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 2023-12-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo gave me the documents used regarding my claim, but they did not disprove anything I was saying, and the reasons why I disputed the transactions. The merchant whose transactions I was disputing have insisted that Wells Fargo received my money back even though Wells Fargo has not given me back the money. I have tried to email and call multiple times and nobody responds at all

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