BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
6 accounts were opened under my name by one of your managers in the PA locations. ( XXXX XXXX XXXX  ) Done without my knowledge..district manager involved..district manager took care of issues but I was never credited all the fees I had to pay out of pocket in order to rectify dispute! Promised I would be reimbursed.

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 2020-03-12
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: Public record information inaccurate

Complaint:
Experian, XXXX, XXXX XXXX credit reporting agencies are all reporting incorrect information on my credit report that is preventing me from obtaining credit. They all show that I filed bankruptcy. This information is inaccurate, I have written them letters and asked for proof of validation for this information which they have failed to provide. I have also asked each credit reporting bureau to remove this from my credit report as well. I ask that the CFPB please step in to have this information 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 non-monetary relief
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
State: NV
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:
I made a payment to XXXX XXXX XXXX XXXX on XXXX XX/XX/2019. The balance at the time was {$1800.00}. I paid {$1200.00} to bring my balance down below good credit reporting thresholds. I do this every month. The person or clerk that took the payment did not apply the funds to the account, or XXXX XXXX XXXX XXXX by force reported the prior balance to the credit bureau. This caused my credit score to reduce by 20 points and put me in dispute over the problem. I was forced into a conversation with the credit union over what has happened in previous months. The monotone that I get is very sarcastic and intentional. I also, asked about the payoff of another account that I hold with XXXX XXXX XXXX XXXX, and effects on credit. Both the credit card payment would have reflected good upon me, and the payoff arrangements for my other account. I am now forced to dispute this issue, and deal with troublesome attitudes from the institution.

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 2023-08-02
Company: U.S. BANCORP
State: SD
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:
I started a dispute with US Bank regarding my card, no response for weeks. I get a few phone calls, from called ID blocked numbers or numbers that have no results in an internet search and are not listed anywhere on usbank.com, the caller claims to be from US Bank but I need to " verify '' first by providing confidential - super bad idea for me to go along with this so I tell them I think they are a scammer and hang up. 

I get an email, again from an email address listing a person and phone number that is not independently verifiable asking me to call - I respond that I will not call the number because the information in the email is not independently verifiable. No response Today I find out they are closing my credit card account, perhaps all accounts, it was not clear, because or disputing a charge. Ridiculous and completely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It keeps asking about credits and loans that I have never request.

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 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TRANSUNION HAD A SERVER ERROR SYSTEM GLITCH WHICH STARTED IN XX/XX/XXXX, WHICH DELETED A TON OF INQUIRIES FROM CONSUMER CREDIT REPORTS ( WHICH REP DID VERIFY INCLUDED MY CREDIT FILE ). I CONTACTED TRANSUNION SEVERAL TIMES AND NOT GETTING ANY FURTHER WITH TRANSUNION DELETING THE ACCOUNTS ASSOCIATED WITH THE " INQUIRY ISSUE '' AND NUMEROUS CUSTOMER SERVICE REPS REFUSING TO TAKE CARE OF THIS ISSUE. ALSO I HAVE MADE TRANSUNION AWARE OF SOME UNAUTHORIZED CREDIT INQUIRIES THAT I HAVE NOTICED ON MY CREDIT FILE, THAT I HAVE MADE TRANSUNION AWARE OF AND I HAVE CONTACTED EACH CREDITOR AND RECEIVED DOCUMENTATION WHICH WAS SUBMITTED TO TRANSUNION VIA FAX AND A LETTER OF AUTHORIZATION SIGNED BY ME WITH THE APPROVAL TO DELETE THESE SEE LISTED BELOW : XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX   XXXX  UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY 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 2022-12-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX  bank called me 7 times within a 24 hours period. This is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
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: Public record information inaccurate

Complaint:
XXXX, XXXX, Trans Union credit reporting agencies are all reporting incorrect information on my credit report that is preventing me from obtaining credit. They all show that I filed bankruptcy. This information is inaccurate, I have written them letters and asked for proof of validation for this information which they have failed to provide. I have also asked each credit reporting bureau to remove this from my credit report as well. I ask that the CFPB please step in to have this information 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft fees when I shouldnt have.

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 2022-09-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been making consistent payment every month towards my XXXX Credit Card, belonging to Comentiy Bank. Last month ( XX/XX/XXXX ) they reached out via phone asking When did I plan on paying my past due amount of {$77.00}. And called me every week asking to pay an additional amount because they did not receive my payment. 
On XX/XX/XXXX after receiving my bank statement I mailed a copy of my bank statement of XX/XX/XXXX and XX/XX/XXXX because I also made a payment in XXXX and Comenity Bank sent statement to the Credit Union that I wasnt making my timely payment. As well as a cover letter with my account number. XX/XX/XXXX They called me at 2x at XXXX and again at XXXX to ask again for back payment. I have already sent XXXX payment. 
Im tired and frustrated with the constant calls and rude languages. Ive made my payment on time and have the proof for it. 
I want something done immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
During the month of XXXX I paid {$19.00} for a sent a certified letter to the credit bureau XXXX and Experian on XX/XX/19. I received confirmation for XXXX with the tracking number XXXX and for the letter with Experian XXXX were delivered on XX/XX/19. I paid my credit monitoring account {$29.00} today to review my credit report with XXXX and noticed that the invalid/fraudulent accounts has not been deleted nor have I received any correspondence from them to my address. According to the Fair Credit Reporting Act, Section 611,  XXXX and Experian has 30 days to investigate and delete the disputed items. It is not XX/XX/19 and it has been over 60 days and the items are still being reported on my credit reports and causing unnecessary health strains on me as a consumer. I am filing a complaint with the Consumer Finance Protection Bureau to get the help I need since my rights have been violated.

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 2022-09-03
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:
I have contacted Experian on multiple occasions regarding an account with XXXX XXXX XXXX that belongs to my ex-husband that has been reporting on my account. This account is reporting that I have an outstanding balance of {$13000.00}. which is completely false. Please see the attached bill of sale below that reflects the balance at the time this account was sold. The account was sold to a new company and the new creditor took the matter to court. The matter was voluntarily dismissed and I am not liable for this account. I have provided documentation to Experian and have requested that they remove the account from my credit report. Despite multiple disputes and submitting evidence to prove that the information on my credit report is not only incorrect but that I am not liable for the debt. Experian refuses to remove the incorrect information from my credit file which is causing financial and emotional hardship as this negative account has caused my credit score to decrease drastically. I am making one final attempt to resolve this issue on my credit file. Please see the attached documents that show the correct balance as well as the bill of sale showing that XXXX XXXX  does not own or service the account. Please also see the final court judgment stating that I was released from the debt. Per the Fair Credit Reporting Act ( FCRA ) " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. ''

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 2022-04-12
Company: Experian Information Solutions Inc.
State: IL
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 Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The information on my credit report from Attorney General Child Support Office is incorrect. This case was settled in court 2 months ago. The case against me was dropped and closed upon agreement with the other party and court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank is so rude to me from customer care to this office of the president they sent me a letter nkt addresing my concerns everyone I call this number with extension his name is XXXX and he never answers or returns my voicemails so unprofessional people they dont care they have changed all my Accountss nkt fair without my knowledge in XXXX they changed my retail accounts to online only and they dont seem to understand I dont like this changes they made on my account because now I cant do international wires at a branch anymore to send my family money why do they get away with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
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:
So I sent a letter off on XX/XX/2023 to remover my personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party entity.

These are clear violations of my federally protected consumer rights.

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 2022-09-03
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Approximately XXXX I received an email from Chime Bank saying that they had found an unused account in my name and they needed copies of my ID my social security card and proof of where I live. I submitted everything they asked for and then on Wednesday the XXXX of XXXX they locked my account without warning. They sent an email that said I had used the wrong PINto many times ATM the and I needed to call so I did. When I spoke to the representative they informed me that it was because there were two accounts in my name I had already submitted all of the information they asked for and they had not said another word about it. I live on a social security check I'm a widow I'm disabled and elderly. Because they've done this without cause I now have the burden of paying late fees to all of my creditors. I have talked to the company and I've gotten several different people one of them told me that they could completely close my account for having two of them I explained to him that at one time I was going to use their bank but decided to go with another Bank and had completely forgotten about the original account. I asked him if they could transfer my money to another account with another bank and they would not tell me. I haven't been able to pay my rent go grocery shopping pay my utilities, nothing I don't know where else to turn. I know I wish I would have never opened that account. One of the representatives told me that they could actually close my account without warning and then they would have to mail me a check after they got it resolved and that it could take weeks there are no transactions that would cause a person to think that I was trying to do anything illegal with the account. I asked him if I can find out what my balance is and I was told no I could not. Please if there's anything you can do to expedite this so I can pay my bills this month all of your help would be appreciated. My name is XXXX XXXX I live in XXXX MO. my phone number is XXXX my email is XXXX XXXX. Thank you for your time and your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NC
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 XXXX reported a collection of {$290.00} on my EQUIFAX credit report. 

The collection is invalid but XXXX XXXX doesnt want to remove it even though I submitted all the proof ( photos and screenshots ) that I dont owe any money. 

Heres what happened : I have been a tenant at XXXX XXXX apartments in XXXX, Kansas for only 2.5 months and I paid rent for 2.5 months plus a {$250.00} security deposit. I moved out on XX/XX/2021 after my multiple requests for repairs in the apartment were ignored. 

Requests for repairs : * Extreme noise at night ( apartment situated right next to the laundry room, with a thin drywall with a hole between the laundry room and my apartment ). Tenants did laundry all night. I asked the leasing office to insulate the wall or allow doing laundry only during the day hours which was denied. I was unable to sleep at night. 
* Not working stove ( I couldn't cook at all ) - see pictures * MOLD around the water heater - see picture * Water in the bath tub not draining - see picture * MOLD in the bathroom around the shower - see picture * Water coming through flooring - see picture * Bugs coming through the windows due to not having correct size of window screens - see picture I left the apartment on XX/XX/2021 and gave the apartment keys and letter of moving out to the leasing office on XX/XX/2021 ( XX/XX/2021 was Sunday and the office was closed, no mailbox or anything I could leave the keys ). The manager didn't show up for a walk through on XX/XX/2021. I expected getting my security deposit of {$250.00} back which has not happened and it's due to me. 

Every state has specific health and safety codes that provide minimum standards for rental units, and Kansas is no different. If those standards are not met and proper notice is given by the tenant and the repairs/fixes are still not made within the allowable time period, a tenant would be considered constructively evicted. As a result, the obligations of the tenant under the lease are no longer required, given that the landlord has not met their own responsibilities under Kansas landlord-tenant law. According to XXXX  state law XXXX, landlord duties to provide habitable premises include the following : * Compliance. Comply with applicable building and housing codes materially affecting health and safety. 
* Repairs. Make all repairs and do whatever is necessary to put and keep the premises in a fit and habitable condition. 


The collection report should be removed from my credit report at Equifax XXXX.

Company response to consumer: Closed with explanation