BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 2023-12-18
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:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 2023-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i was denied credit card with XXXX XXXX not sure why when all of my debts are paid in full. I know about the 1099c, 1099b, ucc3 103, ucc3 104, hjr 192, etc. please delete report off of my record and approve my credit card to me. it is my rights to own one.

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 2023-02-21
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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate 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 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 2023-05-19
Company: EQUIFAX, 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:
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 are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am submitting a formal complaint because I have " Hard Inquiries '' on my credit report regarding a credit card which I did not apply for, and I can not seem to get anything settled with the company on my own. I came across an inaccuracy on my credit report and as advised I submitted a dispute via XXXX XXXX. Upon receiving word back from XXXX XXXX they stated that " XXXX XXXX XXXX XXXX/XXXX '' are claiming the information they reported to be accurate. I then contacted the creditor through telephone.. they claim that they do not have any accounts open in my name, closed in my name, and they can not find any credit application within their systems. They claim that they do not have my name or social security number in their files, but they sure did make a negative impact on my credit scores. I do not know exactly how it happened, but I do know that I never authorized or gave any sort of consent to the creditor ( s ) " 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 2023-01-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi I tried to open a credit card with XXXX through Chase on XX/XX/2022. I never heard back from them, no email no letter in the mail - NOTHING. I called them today on XX/XX/XXXX to see what was going on. The first person I spoke with found my application after I gave my social and address ( XXXX XXXX XXXX XXXX VA XXXX ) and said it was not reviewed before 30 days so it was denied. He mentioned something about the holidays, essentially saying they didn't have time to review it and to apply again. I asked why I was not notified and if there was another reason it was denied because I'm not going to run my credit again if the issue is their lack of staff or time to review my perfectly good application. He said there was no other reason listed and since its past 30 days there's nothing he can do. He was not sure why I did not get a letter but said he would pass me on to another department to figure it out. 

The next person I spoke to took my social and said nothing came up and that I didnt have an application. I said that's not possible because I JUST spoke with someone who found it. She asked me when I applied and I told her XX/XX/2022 so I know it's past 30 days. She said oh that's why it's been denied its too old. And I said I know that, I'm trying to understand why I was not notified sooner after you ran my credit and gave me no chance to answer questions or correct any errors. She put me on hold twice to find out and came back with no answers just repeated that it was past 30 days and that I should reapply. Then she said she would switch me to someone else to find my application. I said that's NOT my issue, we found it the first time, I want to know why I gave them all my info and was rejected and never contacted when they ran out of time. She just kept repeating herself so I hung up and called XXXX who said this was NOT normal behavior and to write them a letter to have the hard inquiry on my credit score removed. I was also told to file a complaint here. 

That same month I opened up an auto loan with XXXX and there were NO issues, so I can't seem to figure out, aside from them running out of time on their end and not letting me know, why I was rejcted. Since they found and then lost my application while I was on the phone with them and continuously recommended I reapply, I felt this was abnormal and fraudulent which XXXX agreed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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:
I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation.

I have sent a letter to Equifax XXXX XXXX XXXX  ON 10/8/21 demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed.

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: MI
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 accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX XXXX XXXX ) # ACCOUNT XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/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 2023-12-18
Company: Experian Information Solutions Inc.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-12-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX, I possess an active secret clearance. 

Recently I opened an account with Chase Bank, my account was later closed without an explanation. I believe this action was caused by false/negative reporting ; however, when I asked for the information, " why I was denied a checking account? '' I was told I could not receive it. I have attached my XXXX report which does not reflect any negative check reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
regular standard information exchange of legal documents to verify legality and who authorized those illigal transactions due to been a custodian broker entity and should have not been acting against customer interest to make gains in fees and hide assets. 
cash app is doing money mule and everything else that's not with in the best interest of national security and the government agenda to create trust by setting rules in a system that is based on trading and to create new industry, jobs, ect.. 
this Cash app is more into foreign activities that are More black then grey. 100 % against our system interest. its reflected on financial statements. its clear how cash app is charging and intentionally creating losses to its customers and benefiting offshore illigal activities. Denial and that ( " cash app is not a bank is the only script and defense cash app has '' ) no other words. MEANING ITS TRUE CASH APP IS ENGAGING IN ILLIGAL ACTIVITIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Consumer Portfolio Services, Inc.
State: IL
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:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations that I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is an update to CFPB Complaint No. XXXX. This update includes an amended billing address. 

Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. Today, I found out that XXXX XXXX  XXXX XXXX did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} XXXX  to Discover was executed and then reversed. Moreover, a review of XXXX XXXX  XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX Bank XXXX as well as Sunrise LA and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back on XXXX I summited a complaint about incorrect information. On XX/XX/XXXX they said they fixed the amount which was XXXX less that what was being reported.then on XX/XX/XXXX it goes back up to the same amount that was being disputed. How in the matter of 6 days can the amount go back up to the XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XX/XX/XXXX or so I was very ill still him I have XXXX. At the time I had XXXX I had a friend over for 3 Days to help me out he used to be an XXXX his name is XXXX XXXX. He took complete advantage of me not only did he do some online things with my checking account he also stole my food stamp benefit card. My last day of work was XX/XX/XXXX I'm on XXXX and I had to close my checking account because it was overdrawn by {$1100.00}. It was Hancock Whitney Bank and my first XXXX check went to that account and they refused to give it back. A man called around the XXXX by that time XXXX was gone. He told me his name was XXXX XXXX and that XXXX was supposed to send money back to him via prepaid cards and cash app I started asking him questions and he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent debit card account was opened in my name with Capitol One. They determined it was fraudulent and opened with my social security number. They have closed the debit account. However I currently have an active fraud alert with all three credit unions and this should have been flagged. 

I do have a credit account with them that is still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made the XX/XX/2021 payment, in full, a day early. For some reason PNC 's systems, following the acquisition of XXXX, can not process this transaction. PNC is refusing to fix the problem or accurately reflect the payment. Worse, PNS is engaging in harassing debt collection practices to collect the payment I have already made. Thus, PNC is effectively attempting to double collect the payment due in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Synovus Bank
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reviewed my credit report and I have noticed several late payments on FST Progress XXXX According to the Fair Credit Reporting Act 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX  ( XXXX ) XXXX  during the covered period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Multiple accounts of overdraft fees, most when funds were available in the account at the time of the charge. Others they blamed on time differences of when the next day started to justify multiple fees.

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