BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: Experian Information Solutions Inc.
State: CO
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:
NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX  in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
promised to receive XXXX dollars in bonus coupon never sent tried twice with Customer service never sent False advertising!! Company is Old Navy credit card Me 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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-07-01
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2021-08-20
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have been Chase customers for a very long time. We wanted our mortgage to be through them for ease of payment.

W scheduled an in-person meeting at Chase and sat down with a personal banker. We then waited 9 days to get a call back from Chase regarding starting our loan. We already had an accepted offer. 
We got everything done pretty speedily. We let them know we were going back and forth between primary and secondary home, since we had some family issues going on and were unsure of how long we would be in Wisconsin. 
Everything was set to close on XX/XX/2021. 
They then scheduled the appraisal for XX/XX/2021. We attempted to get an appraisal waiver, but they advised that had to be at the discretion of XXXX XXXX. They then got the appraisal expedited, but charged us {$1600.00}. An appraisal generally costs around {$500.00}. They also initially charged {$1100.00}, but then increased it to {$1600.00} at a later date. 
Worked with XXXX XXXX, who was extremely difficult. Also worked with XXXX XXXX. Both had promised several letters and articles we sent them would work for information on our jobs/working from home. 
Chase got hung up on getting a particular letter, which we advised we don't have/could n't get. Instead of changing the loan to a secondary home, which is also appropriate, as it's not our permanent state of residence, they pushed closing out a week. 
Didn't end up closing until XX/XX/2021. Had to pay {$800.00} XXXX {$100.00} daily rental ), due to Chase not closing on time. 
Also were promised that if they didn't meet the closing on time, they would waive the closing costs. That never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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, account name XXXX account number XXXX. 

XXXX account number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my XXXX/XXXX  account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my Experian that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!

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 2023-07-01
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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: ID
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
Subject : XXXX XXXX XXXX TRANSUNION XXXX XXXX, XXXX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TRANSUNION XXXX XXXX, XXXX for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within XXXX days of receiving a request from the consumer for that description. 

TRANSUNION XXXXXXXX XXXX  XXXX also violated my consumer right to protection against inconsistencies among my credit reports under Section 15 USC 1681i ( a ) ( 5 ) ( A ) of the FCRA. Despite my dispute submitted on XX/XX/23, TRANSUNION XXXXXXXX XXXX XXXXXXXX has still not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring TRANSUNION XXXX XXXX XXXXXXXX adheres to the FCRA. Thank you for your prompt attention to this matter.

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 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/24, I got the message via email from Bank of America that I received a wire. According to the exchange rate on XX/XX/24 of XXXX, when the wire was processed, the amount I received {$16000.00}. should have been {$17000.00}, a difference of {$510.00}. 
On XX/XX/24, I contacted the lawyer of my father 's estate in XXXX to confirm the amount of DKK that was sent directly to my Bank of America checking account, as there was an apx XXXX difference according to rate exchange on XX/XX/24, when the wire was processed. The response was XXXX was the amount sent, not XXXX XXXX. 
On XX/XX/24, I went to Bank of America on XXXX XXXX in XXXX XXXX and soke to the manager, named XXXX. He kept insisting that the difference on $ XXXX the rate exchange difference. But actually, the rate exchange on XX/XX/24 was XXXX and the exchange rate on XX/XX/24 was XXXX. XXXX said he would look into this and I should come back XX/XX/24 at XXXX. Unfortunately, I had an appointment I could not reschedule. Later, I did drop off a Foreign Currency Exchange Rate Multipliers for the week ending in XX/XX/24 issued by the U.S. Customs and Border Protection for XXXX review. 
Also, on XX/XX/24, I spoke to Bank of Americas Wire Department and was told they had no information to give me about the transfer after 46 minutes and being put on hold, I was simply disconnected. 

I have documentation from the lawyer with the XXXX XXXX Banks statement. This is a problem with Bank of America, and I am unable to get any help from them. This is inexcusable as someone should have knowledge of where this {$510.00} is but no one seems to know or want to look into the matter.

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 2021-02-02
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: Sentry Recovery and Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The date stated XX/XX/2019, contacted them and the credit bureau XXXX to remove disputed with credit bureaus.This company has me in collections for monies I do not owe at XXXX different properties at dates listed that I did not reside at!

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 2022-03-07
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So it all started when I did my taxes with XXXX XXXX XX/XX/2022 I did credit karma to get an 2,500 advance which I received I believe that same day or the next. So I was having problem taking money off my card I was calling representatives back to back nobody could help so I linked my XXXX bank account with them to transfer money when I did thats when they sent me a confirmation email but with the wrong account number so they then locked my account without notifying me I could only contact the specialist team through email they never told me what was going on until later they needed proof of my identity and bank statement but the bank statement was for another account that wasnt mine that they wanted me to provide so I sent my actual bank statement and proof but still Im under review and my account is locked I talked to 2 supervisors and so many agents nobody could help and they keep saying they will email the specialist team thats all they can do they cant see anything in my account this been going on almost a month now I submitted my forms several times on their website and through email I told them just send my money in a check but no response please help I need my money and my tax money that suppose to be coming to that account Ive tried everything that they told me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
WE SENT MONEY ON OR ABOUT XX/XX/2022, {$17000.00} TO TRUIST BANK TO THE ACCOUNT OF MY VENDOR XXXX OF XXXX XXXX, XXXX XXXX WITH THE WIRE TRANSFER INFORMATION PROVIDED BY XXXX ON THEIR OFFICIAL INVOICE. 

APPROXIMATELY XXXX XXXX LATER XXXX ASKED WHY WE DID NOT PAY THE BILL. AFTER EXTENSION INVESTIGATION WE FOUND THAT THE EMAIL SENT FROM XXXX TO VALENTINES HAD BEEN HACKED AND THE WIRE TRANSFER INFORMATION WAS FRAUDLENT. 

WE HAVE SPENT INNUMERABLE CALLS, SECURE MESSAGES, TEXT MESSAGES, EMAIL, PERSONAL VISITS WITH CHASE AND TRUIST BANKS. THE ONLY POSITIVE OUTCOME IS THE MONEY WAS SENT FROM XXXX AND THE MONEY WAS RECEIVED BY TRUIST. TRUIST WILL NOT GIVE ME THE NAME AND CONTACT INFORMATION OF THE ACCOUNT INTO WHICH THE MONEY WAS RECEIVED. 

WE HAVE CONFRONTED XXXX WITH THE ACCUSATION THAT THEIR EMAIL SYSTEM HAD BEEN HACKED AND IT WAS THEIR RESPONSIBILITY FOR SENDING XXXX FRAUDLENT INFORMATION ON THEIR OFFICIAL INVOICE WHICH THEY DENIED AND PUT OUR ACCOUNT AT THIS VALUED VENDOR ON REFUSE TO SERVICE DUE TO PAST DUE ACCOUNT. 

IT APPEARS THAT TRUIST BANK DID NOT VERIFY THE NAME ON THE ACCOUNT WITH THE NAME OF THE WIRE TRANSFER. HOWEVER, IF THE NAME ON THE TRUIST ACCOUNT WAS " XXXX ; XXXX XXXX, XXXX  '', AND MY VENDOR DENIES SETTING UP SUCH AND ACCOUNT, THERE THEN MAY BE FRAUD IN THE ACCOUNT ESTABLISHMENT.

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