BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/ I was charged a transaction I put all the money in the account I was negative on Monday XXXX XXXX and I got charged a {$35.00} fee for XXXX XXXX I was negative for XXXX and this bank has the nerves to charge {$35.00} for being negative for XXXX this is why this bank is always getting sued I spoke to somebody yesterday and I explained to them that I hope I wasn't going to get charged or overdraft fee I got charged overdraft fee this bank is very very sad to charge {$35.00} for 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 monetary relief
Consumer complaint received 2018-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX XXXX 2017 at XXXX I went to a chase ATM in XXXX California. I tried to make a deposit for {$2100.00}. It got stuck in the machine and didnt post to my account. The machine spit out a reciept that had the terminal id, time, date and it promised it will give me my cash back. They gave me a credit for the missing funds then a few weeks later they reversed the charges. They have been hanging up on me when I call, ignoring messages and doing absolutely nothing to help solve the problem. They have promised that my case would be handed to an executive office but nothing has happened. I was planning on moving to Georgia and this pretty much prevented my move. I have been doing research and it looks like they are doing this to multiple customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-07-11
Company: Experian Information Solutions Inc.
State: LA
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've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2023-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I XXXX XXXX XXXX XXXX  had a checking account with wells Fargo, in XXXX  I paid my service bills as usual with my debit card. XXXX was paid but apparently water was not. 
The water company shut my service off for non payment, it was around XXXX XXXX as I was behind in payments and honestly was struggling. I didn't have a lot of money so all of my check went to my bank account to pay for this services and I made sure it was enough. 
My water got shut off, the bank didn't have my money back, I had to pay reconnection fees and they ended up closing my account because I was never able to get a response from them, I filed with you at the beginning of XXXX  and they contacted me but after a couple of calls and them " not finding information '' but they did find my account, they just stopped answering my calls and all communication just stopped without explanation. 
At the time my XXXX  was just a XXXX XXXX and I have XXXX XXXX. We went without running water for a month until I had enough money to pay my water bill.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 do not recognize these credit inquiries and i have asked for them to removed and the bureaus did not do as i asked i am providing a identity theft report and i am requesting them to be removed because they are inaccurate and not mines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-10
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XXXX of 2020, I used cash app to transfer funds to a potential landlord who turned out to be a scam artist. I went to cash app to return my funds and they refused and would not allow my banking institution to recoup my funds. The amount I sent was {$1500.00}. I filed a complaint to my banking institution but ultimately cash app refused to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Today XX/XX/XXXX I contacted my XXXX card to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for XXXX XXXX credit score monitoring with Free Daily Alerts. It appears, that XXXX, XXXX XXXX and Experian are reporting to my credit file balances Two weeks after my closing date with XXXX Card, then immediately decreasing my Fico score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX Card closing date is the XXXX of each month. Verified with XXXX Card. Why is XXXX, XXXX XXXX and Experian reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX Card at ANY TIME because XXXX, XXXX XXXX and Experian is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by XXXX where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX Card that they ONLY report my Balances every XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to this bad business practices. XXXX Card advised I should report this immediately because it is wrong.

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 2018-03-03
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: Personal information incorrect

Complaint:
My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years

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 2023-12-12
Company: General Motors Financial Company, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute inaccurate information on my credit report related to the account with XXXX, account number XXXX, which was opened on XX/XX/2018, with a current balance of {$0.00}. It has come to my attention that the payment status and late markings for this account are inaccurately reported. I want to emphasize that I have never been late with XXXX XXXX, and upon discovering the reporting error, I contacted the company directly. They acknowledged the mistake and agreed to update the information accordingly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
Institutional systemic racism continues to keep rearing it's ulgy head!!! Transworld System Inc. is attempting extortion by erroneously inaccurately staining my credit report by claiming I have a collection account owing {$110.00}. I have NEVER been contacted with ANY documentation, or via phone call by Transworld System Inc. They are in violation of the F.C.R.A. by NOT properly communicating with me regarding this suppose debt. or the extortion attempt, and I have NO knowledge of ever doing ANY business with them, nor knowing who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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: Account status incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in the document attached. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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:
I am specifically requesting a tax statement or written confirmation that the debt associated with this XXXX XXXX  account # XXXX has been written off. Additionally, I would like to receive any supporting documentation related to the charge-off, including the official date of the charge-off and details about the subsequent resolution and reporting. BUT FAIL TO DUE SO. 

Please provide the requested information through the credit reporting agency 's secure online portal. If there are any specific forms or procedures required to process this request, kindly provide guidance on how I can complete the necessary steps. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. If there are any fees associated with obtaining this information, please inform me in advance.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2023 I received this message from Experian Credit Reporting " Your XXXX Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your XXXX XXXX did not so it should not impact your credit worthiness. '' They continue to drop my credit score for no apparent. Here is their reason for dropping my credit score from XXXX to XXXX. 
" Your credit score is updatedsometimes raised or loweredwhenever your credit report changes. Since your credit report is regularly updated with data from your lenders, such as your newly opened or closed accounts, its normal for your score to change. Reviewing your credit report regularly can help you understand these changes as they happen. ''

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: CA
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:
I am reiterating my concern with EXPERIAN through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, EXPERIAN maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 

The investigation period has extended beyond 30 days, during which EXPERIAN claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 

I am reaching out once more in the hope that EXPERIAN can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that EXPERIAN will uphold its commitment to maintaining the integrity of the credit information it provides.

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 2023-06-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The summer of XXXX, I graduated and decided to look for some apartments or dorms with my friends for college. We went to XXXX XXXX Apartments in XXXX, Texas and were excited about how the property was and the staff. XXXX of the employees asked if we decided on if we wanted yo stay there, but we had told him we had to wait to talk it over with our parents. The next day, we went back and we told him that we still wasnt sure yet, but he insisted that we sign some papers to, in his words, keep our rooms secured. We signed them NOT knowing it was a lease agreement after we told him that we cant sign anything important until we talk to our parents. The next morning my friends mom called and told us that we signed a lease and after that I called them multiple times to try to see if they can change it. I never officially moved in or anything 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