BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: Solomon and Solomon, P.C.
State: NY
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:
Went to open a checking and Saving account on XX/XX/2021 at XXXX XXXX XXXX 
They ask for driver 's license and utility bill to verify your account/identity. We spoke, account was set up with at deposit and I left the office. About two weeks later, my reporting company that announces credit activity sent a hard credit inquiry by made by XXXX XXXX XXXX, this was done without my permission or consent. I called the company on or around XX/XX/XXXX and asked to speak with a Manager. The staff left a detailed message and the following day I spoke with XXXX XXXX the manager which acknowledge the pull without my consent and apologized, however did not know how to correct the unauthorized pull. I would have questioned why ( this is not a loan and 2 points of verification were given ) a credit score hard pull was needed and not open the checking/savings account if I knew. This was not an application for a loan/liability situation, just a situation for EFT or direct deposit were low liability is found. The rep XXXX XXXX did point out that they had many come for loans due to low rates. My questions then looking back is -- -does XXXX XXXX XXXX pull without consent or letting their clients/members their credit scores so then they can make a move in business and then " upsale '' so they can make money from the customer. This sneeky behavior should be investigated immediately as it # 1 Harms my credit score # 2makes a business move with the Credit Bureaus best interest not mind, I am aware of how to fix my credit and don't need you. If you care to help me, you would include me. # 3Removes consent by the customer The application form has no place were I need to sign or initial on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$830.00} XX/XX/XXXX XXXX. XXXX, XXXX XXXX {$60.00} XX/XX/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 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Ive tried contiously over and over again but the credit bureaus have yet to respond to my investigation. THIS NEEDS TO BE HANDLED IMMEDIATLEY! I need these accounts that arent mine to be removed from my credit report NOW! It has been over 30 days and they still havent been removed. So, I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: TN
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:
EXPERIAN DID NOT INVESTIGATE THIS ACCOUNT CORRECTLY PROPERLY THIS ACCOUNT NEEDS TO BE DELETED Immediately. EXPERIAN ON ONLY INVESTIGATION TOOK THEM 3 DAYS TO INVESTIGATE THIS ACCOUNT. BY LAW ITS SUPPOSED TO TAKE UP TO 30 DAYS OR MORE BECAUSE THEY HAVE TO REACH OUT TO THE CREATORS TO CHECK AND SEE IF THE INFORMATION IS CORRECT.A DISPUTE TAKES TIME TO DISPUTE. XXXX XXXX XXXX DID NOT CONTACT YOU. IKNOW BECAUSE I SPOKE WITH THEM.THEY GAVE ME THE LETTER TO GET THE ACCOUNT DELETED AND I HAVE MY PROFF OF CLAM. EXPERIAN THEY ARE BREAKING THE LAW OF THE FCRA & THE FTC and the CFPB.THERE WAS NO status update. DISPUTE WAS OPENED ON XX/XX/2023 Closed back on XX/XX/2023 THERES NO POSSIBLE WAY THAT THIS ACCOUNT HAS BEEN PROPERLY INSTALLED I DEMAND THAT this Account be deleted immediately

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 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ) ( XXXX/ XXXX XXXX XXXX XXXX XXXX ) ( XXXX/XXXX XXXX  XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX  XXXX ) ( XXXX XXXX XXXX  XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: WELLS FARGO & COMPANY
State: GA
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:
On XX/XX/2022 Wells Fargo Dealer S, XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: TX
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 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2021-06-28
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Caine and Weiner on XX/XX/2021 to dispute this erroneous debt that was placed on my credit reports in error. I am seeking remedy for the violations listed below. I will also Include physical documents that were mailed to Caine & Weiner on XX/XX/2021. 

1. Affidavit of Truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor booth public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of alleged information listed on your site in order to avoid me receiving further injury, damages, and mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that ( CAINE & WEINER ) is in violation of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that ( CAINE & WEINER ) is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b. ( 2 ) Thank you, 5. I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge. 

On the date of XX/XX/2021 XXXX XXXX, agent, d/b/a XXXX XXXX came before me today present as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX says Capital One Auto Finance did an investigation on an car loan inquiry on my XXXX XXXX Credit Report.that resulted that there was fraud involved. I am being told by XXXX XXXX that I have the right to the investigation documents that show the details and names on the documents. I have attached letter form XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XX/XX/XXXXAccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, andXX/XX/XXXXAccount # XXXX has violated my rights. 

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 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 2022-03-17
Company: EQUIFAX, INC.
State: VA
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:
Account # XXXX XXXX XXXX still reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Account # XXXX XXXX XXXX XXXX reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Money network is now XXXX  against me because of my XXXX. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. They also took the balance from my account after stating that after 180 days they said it would be released back to me. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
In XXXX 2023, my account statement on my Bank of America credit card was {$170.00}. I mistakenly paid off the amount of {$200.00} twice ( {$400.00} ). I claimed and they refund to me into my XXXX XXXX the amount of XXXX, leaving a credit of {$29.00}, this is ( {$200.00} minus XXXX ). Now, in the XXXX statement, I have a balance of {$140.00} which is good, but they added the same amount they refunded to me, arguing I owe them the amount of {$350.00}. Of course, this is ridiculous and I ask : does it make sense?

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 2023-06-06
Company: EdFinancial Services
State: NY
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 XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I believe in XXXX I wanted to consolidate and close some of my accounts at Chase. I closed 3-4 accounts and left one open. I spoke with the teller who informed me that no minimum was required to leave the account open and receive no service fees. I left {$500.00} in the account. 
The next month I received a {$12.00} service charge for not maintaining the minimum balance. I spoke with the general customer service at Chase who informed me that they could not help and to call the local branch. I called the local branch manager who explained the {$1500.00} minimum. She also said that if I brought in {$1000.00} that she would waive the fee and ensure that it did not happen again. My balance was {$1500.00} after the fee reversal. 
XXXX - {$12.00} service fee. I called and spoke with a teller. I explained the situation and she waived the fee and assured me that this would not happen again. My balance was {$1500.00} after the fee reversal. 
XXXX - {$12.00} service fee. I called and spoke with the local branch manager and she informed me there is nothing she can do and told me to close the account. She will not waive the fee. 
I understand fee 's and minimums but I was mislead and deceived 3 times about the status of my account and future fees.

Company response to consumer: Closed with monetary relief