BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NC
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 Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction. 

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 items of information other than records of convictions or crimes wich 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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX here, and I'm complaining about some false information I saw on my credit report. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The following is a list of the bogus items I discovered on my Credit report that need to be deleted right away : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$3500.00} XXXX  XXXX XXXX Balance {$460.00} XXXX  XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1700.00} XXXX XXXX  XXXX XXXX XXXX Balance {$52000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$85000.00} XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXXXX/XX/XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2018-05-15
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This dispute is in reference to a XXXX account, that I had know idea had a lingering balance. I just received a letter from XXXX XXXX XXXX. This debt originated in XX/XX/XXXX, per the correspondence that was received. Apparently, there were fees charged unbeknownst to me when I transitioned to a different company. It has been over 6 years, beyond the allowable timeframe to collect on this account. For the last 6 years, I never received any correspondence regarding this account. I just received a statement this month, XX/XX/XXXX, over 6 years later demanding payment of {$890.00}. This item also never showed up on my credit report, and still has not, so I had no way of knowing of this obligation up until now. Although, they are not reporting, I want to be proactive before they do and it results in yet another ding to my credit. I have attached a statement for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SG and Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted this company many times about this account being opened by being a victim of identity theft and fraud. Ive also requested a copy of my signature and of the purchase agreement. XXXX loans provided the customer agreement but didnt provide my signature or any other proof to indicate the account was indeed mines. I never owed a sectional and I moved out of XXXX the year of XXXX. The agreement states the account was opened on XX/XX/XXXX and it states the contact was signed on XX/XX/XXXX. Which makes no sense at all. Enclosed is another police report since they wont honor all the others I sent over the years, this account was never opened by me and needs to be closed admittedly and removed from my credit reports.

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 2018-12-14
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter from Mr. Cooper on XX/XX/XXXX in which I was given five options to choose from. The five options are and I quote : 1. Refinance the loan with us or another lender ; 2. Modify the loan with us ; 3. A voluntary payment forbearance temporally gives you more time to pay your voluntary monthly payment ; 4. A voluntary repayment plan that allows missed voluntary payments to be made up over time ; 5. or If you are not able to continue voluntarily paying the mortgage, your best option may be to find more affordable housing. You may be able to either surrender your home through a Deed in lieu or sell your home and use the proceeds to pay off the loan, even if the proceeds are not enough to pay the loan in full ( short sale ). These are the options given and I chose the Short Sale. I hired a Real Estate Agent Who called Mr. Cooper to seek approval for the short sale. Mr. Cooper responded that my Real Estate Agent should enroll in Mr Cooper 's Short Sale Validation Program which she did. Mr. Cooper asked for documents to be submitted also which she did. Mr Cooper asked my  Agent to List my house with XXXX XXXX, also which she did. Now to my greatest surprise I received a foreclosure sale notice from The XXXX XXXX, XXXX. on XX/XX/XXXX that my house is scheduled for foreclosure sale on XX/XX/XXXX. First of, Mr. Cooper is violating the Virginia Dual Tracking Law. Second of all, Mr. Cooper is violating Virginia Foreclosure law by not advertising the foreclosure sale on the local news paper. Then The XXXX XXXX, XXXX lied AGAIN as usual that I should find enclosed the advertisement of the foreclosure sale in XXXX XXXX   XXXX. I couldn't find any attached advertisement as claimed by The Trustees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XXXX due to their merger, and they have told me they would resume reporting by XXXX XXXX. All payments have always been made right on time at the first of every month. My credit reports still show XXXX Mortgage with the last payment date of XXXX XXXX, XXXX and the balance as of last XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XXXX XXXX remain incorrect, with no history since last XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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: Was not notified of investigation status or results

Complaint:
I have made several attempts to request validation of debt via FCRA regulations, with no response from the bureaus.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: VA
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-15
Company: WELLS FARGO & COMPANY
State: TX
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:
Dear CFPB, I am writing this letter to lodge a complaint against Wells Fargo Bank for their fraudulent practices targeting consumers. 

Despite my previous attempts to complain, I had to contact Wells Fargo again today to inquire about the amount I need to pay on my previous bill. I specifically asked the agent to calculate the amount, considering that there are four disputed charges that should be deducted. The agent performed the calculation and informed me that I could subtract approximately {$250.00} because the four disputed charges are still pending, and I am not required to pay or incur any interest.

I then informed the agent that I had recorded our conversation as evidence in case there are any future issues for which they would be responsible. Immediately, she panicked and tried to transfer my call to her supervisor, retracting everything she had just said. 

This banks behavior is outrageous! They shamelessly deceive consumers, neglect disputes, and employ various forms of deception. They even claim that undisputed charges were not provided by the customer! 

Wells Fargo bank has shown me the ugliest side of American capitalist banking. This bank is on the verge of collapse ; they must be facing severe financial instability.

I now have two recorded pieces of evidence : 1. A complete recording of the conversation regarding the disputed charges and the information provided. 2. A recording of the banks fraudulent misrepresentation of the correct repayment amount.

I kindly request regulatory authorities to oversee this matter. If this shameless bank continues its obstinate behavior after my complaint, I am prepared to cooperate with the CFPB to take further legal action. 

Sincerely, 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 2023-10-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
First off, thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a series of late payments that's reported in XXXX for my old American Express account. I want you to know I completely understand my responsibility to make payments on time and pay off outstanding balances. 

My account was closed completely by the end of XXXX. If you look into my log in activity besides my most recent logins from this year, that last official login was XXXX of XXXX had a remaining balance of {$11.00} that I was never notified on. No mail was sent to me or any phone calls. I paid the balance on XX/XX/XXXX. I now have multiple negative marks for late payments on my credit report. If it wasn't for me never being notified for my balance I assure you I would have paid off the {$11.00} a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: WELLS FARGO & COMPANY
State: MD
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:
I applied for a credit card with Wells Fargo, but I was denied due to not having enough time as a customer ( I opened the account when I was XXXX which was 5 years ago ), too much debt in my name ( only XXXX in student loans which can not be paid off until I have finished college ). There were XXXX other reasons I was not sure about I did not understand what she explained to me on the phone.

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 2022-04-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 I have written XXXX, XXXX, and Experian numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.

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 2023-07-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whomever it may concern, Extreme negligence in regard to handling my checking account on the part of Chase Bank has led to excessive junk fees from multiple credit card and banking institutions, considerable emotional distress, and lack of access to my funds. In XXXX, I merely sent a secure message on Chase Bank inquiring about the potential of closing my checking account, as I've had many problems with Chase this year. The representative responds by saying " The account will close when there are no pending transactions and there is a XXXX balance, '' despite never having actually given the go-ahead to close the account. As such, I first attempted to use my money to make credit card payments. These did not go through, despite funds being available, resulting in inordinate fees. I then attempted to merely transfer my money to my other checking accounts. These transactions also failed for no valid reason, as the funds were available. Then, on XX/XX/XXXX, Chase had the audacity to charge yet another {$12.00} junk fee for the account " monthly service fee, '' despite claiming that the account was closed and holding my funds hostage. This incompetence has cost me hundreds of dollars in junk fees for situations well beyond my control for payments on accounts in good standing that were just making an extra payment. I expect Chase Bank to refund all of these fees and either pay the fees incurred on other cards due to their clear administrative error on their end, contact my other banks and have them removed, or reimburse me for the costs. The statement and scheduled transferred dates attached to this complaint demonstrate that sufficient funds were available each time Chase denied a payment of transfer that resulting in a junk fee from a banking institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX have written XXXX, TransUnion, and XXXX numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.

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 2023-10-19
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a mysterious email from XXXXXXXX XXXX XXXX Chime stating they were going to be closing my account with no reason or justification. I called them about this odd email and they said no that was not true or accurate and it must have been a phishing attempt. I saw my account was closed without my knowledge not giving me sufficient time to change my direct deposit information on various gig apps I rely on for financial survivial and for paying gas in my car, to pay child support and alimony, and my everyday living expenses. 

I'm now being told all the money in my account will not be returned to me until up to 30 days from now. I now have no money at all to put gas in my car and they have left my in a life and death situation over having zero access to financial funds as they were my only banking instituiton.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received emails to my personal email address on XX/XX/23 about a Citizens Bank application that I did not submit. I called Citizens Bank that day to request information, and the representative searched for accounts using my social security number. She told me there were no open accounts and to disregard the emails. 

I kept receiving emails, so I contacted them via Chat and they told me there was an open account now. They would not close the account because my mailing address is different than the one I have on file. I explained that the fraudster likely used a fake mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-15
Company: Securus J Holdings, LLC
State: TX
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:
I woke up today Saturday XXXX to discuss someone named JPAY some prison related company used my XXXX debit card without my knowledge or consent. {$310.00} was taken out of my account illegally. I have filed a verbal and formal CASE with XXXX. I have researched and see CFPB has had previous complaints - lawsuit against JPAY. Either way, the transaction was fraudulent.

Company response to consumer: Closed with explanation