BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX account number XXXX has violated my rights as a consumer. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 agencycannot furnish a acoount without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause 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 2022-03-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my account in XX/XX/2021 following the instructions given to me by Citibank. For two months my balance was XXXX. Then they started charging both a monthly fee and an overdraft fee each time they charged a monthly fee. Ive used chat multiple times to explain that my account was closed in XX/XX/2021. Each time the representative apologized and explained they would reverse the fees and close the account. But that hasnt happened. Today I got a threatening call saying I owed over {$150.00} in fees for this account- all the fees are for monthly account fees and overdraft 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
Consumer complaint received 2022-11-04
Company: Abra
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This nightmare started at the end of XXXX this year and continued to about XXXX when I realized no matter how much money I stent to XXXX XXXX I was never going to see a return on the investment as sold to me by XXXX XXXX at XXXX XXXX. I was approached via XXXX with a XXXX investment opportunity it was explained that If I invest it will be a XXXX turnaround to turn XXXX into XXXX in 5 days. I was a bit concerned and spent some time getting to know XXXX XXXX. I looked at the website as provided and was given a user/password to log in it all seemed to light the info provided lacked all the steps they would through at me to claim the earned funds. After the long and tedious process of using XXXX XXXX  and Abera to move money from my XXXX account to a platform to buy bitcoin. Then to send it to XXXX to do what they do, all seemed ok I could see the profits increase each day on this fake sight. When the fifth day came about and I was to receive my funds they had requested additional funds to pay to release the profit, I was shocked as I was not told this at the start, what was I do so it looked like I had money to retrieve but spend more to get it released? I had doubts but the agent XXXX XXXX assured me that I would receive the funds upon the payment first it was XXXX to pay the processing fees. I did so with the long process of wire transfer and buying bitcoin then send to the wallet given. As I wanted my money, they sent me a notification email from XXXX that I need to pay an additional fee again and I asked XXXX XXXX 
XXXX why after he had just told me that it was the only additional pay needed. So, this goes on 3 times each time I was told it was the last payment and I would get the money and I did not all I got was another reason to pay more money to get my profit. It seemed to me that this was a scam and I stopped with the initial investment and the fess I paid I lost about XXXX in cash through the process of sending to the XXXX XXXX  and Abra via deposit and wire transfers. 
I was just trying to supplement my income, XXXX a XXXX man and have been XXXX  for almost XXXX  years when approached about this investment I was excited to find a solution that would help me support myself and my family. I have never traded before and this was my first trading experience. I used what I living off to invest and help support no income I had coming in. 
They are still approaching me trying to get to pay more fees to release the funds, and I have to stop and block the numbers as an approach with new numbers all trying to get to pay fees to release the funds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XX/XX/XXXX at XXXX XXXX, i filled a complaint ( complaint # XXXX ) against XXXX store card - GE because they intentionally failed to send me monthly statements for the past 12 months in order to charge me monthly late fees. 
In response to my complaint, Mrs XXXX XXXX, On behalf of XXXX XXXX intentionally misrepresent facts by stating that " on XX/XX/XXXX, you enrolled at the time of application in our eBill program to receive electronic billing statements. '' This claim is completely false because I have never enrolled in the eBill system and Mrs XXXX did not provide any material proof or fact to corroborate that I did enroll in an eBill system on XX/XX/XXXX. 

Further Mrs XXXX also stated " On XX/XX/XXXX, You changed your statement delivery option to receive paper statements. '' This claim is also completely false and absurd since I requested my account to be close on XX/XX/XXXX and sent a complaint to CFPB on XX/XX/XXXX advising them I requested my account to be close effective XX/XX/XXXX. 
How can I make change to an account that that has been already close? 
The records about my login activity will clearly show no activity on XX/XX/XXXX and our conversation was recorded on XX/XX/XXXX. 

There is a clear pattern of willful and intentionally misrepresentations about the method of statements delivery by Mrs XXXX on the behalf on XXXX XXXX and this clearly amount to Fraud by XXXX XXXX. 

Therefore, I am requesting the refund of {$350.00} for all the fraudulent lates fees that synchrony bank charged me during XXXX and a formal investigation by CFPB of XXXXXXXX XXXX activities regarding fees charged to consumers.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: MN
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$200.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$2300.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XX/XX/XXXX {$990.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: CA
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:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

EQUIFAX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( I HAVE NO MIDDLE NAME..CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian didn't conduct a proper re-investigation according to the FCRA. I've tried to resolve the issues through several phone calls, Faxes, and written documentation through the dispute process and each time after 30 days, there are still inaccurate, incomplete, and erroneous accounts remaining on my credit file. The credit reporting company is defaming my character and refusing to not remove negative items. Their in default and this is the last opportunity to cure and have them exercise their grave responsibility outlined by Congress before legal proceedings.

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 2022-03-03
Company: EQUIFAX, 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:
Equifax added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file without my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Equifax is reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: MOHELA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The information and payments from my student loan were transferred improperly. Mohela is starting my loan from the beginning. I had been paying on my student loan since XXXX before the payment pause. I had the loan adjusted in XXXX. Mohela is stating they did not receive that information. However, when I log in to my account I can see clearly on my loan detail page they have the correct information. They have stated they can not change my loan payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
A dealership inquired about my credit without me authorizing the inquiry. 

The dealership is titled " XXXX XXXX XXXX '' on my credit report. 

I requested them to remove the report and they said they would attempt it. 

Nothing has been done for 1 year, Inquiry date XX/XX/2021 Additional details Business Type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have disputed a public record item that is on my credit report with XXXX, XXXX, and Transunion. XXXX  has removed the item, but these 3 have said they verified it with the Bankruptcy court. I have and have presented the letter from the Bankruptcy court that indicates that they do not verify this information with 3rd parties. I have disputed the item at least 3 times and have been getting the same results. At this time I'm not only filing a complaint with you, but I'm also looking into going to court due to the fact this reporting has delayed a mortgage loan I'm currently trying to get.

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 2022-03-03
Company: Resurgent Capital Services L.P.
State: PA
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 have been contacted multiple times by phone and XXXX mail from a company called XXXX XXXX i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with XXXX XXXX XXXXXXXX XXXX 2. a signed application by me agreeing to a credit card with XXXX  XXXX XXXX  3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX  XXXX XXXX 5. the age of the debt 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a complaint against Wells Fargo Bank N.A. My father and mother had a trust account with Wells Fargo Bank N.A. since XXXX. They banked with Wells Fargo Bank N.A. for over 20 years. My mother passed in XXXX, so my father became the only Trustee on their Trust. No credit cards have EVER been issued on this account. No mobile banking, no online banking, and only paper statements were ever issued on their accounts. Beginning in XXXX of XXXX and continued until XX/XX/XXXX, over {$180000.00} was frauded by a unauthorized user who gained access to his account with the assistance of Wells Fargo Bank N.A. My father discovered it in XXXX of XXXX, of which I was at the bank with him. The bank did nothing so my dad filed a police report and a fraud report with Wells Fargo Bank. Sadly, my father passed in XXXX of XXXX. Wells Fargo Bank N.A. did eventually reverse the Visa credit card charges, but never restored the monies that were transferred out or withdrawn illegally by the person who is now facing 22 XXXX  charges in XXXX Count Court. I have made no less then 15 letters and contacts with upper management ; ie ; CEO, President, VP 's of Wells Fargo Bank N.A. I am listed as a victim to this crime by the XXXX XXXX Attorney and the case goes to trial XX/XX/XXXX. The amount is around {$85000.00} that is still missing from this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
This company violated the Fair Credit Reporting Act ( FCRA ) by failing to adequately investigate dispute claims on my account. The company also made it exceedingly difficult to update my information and remove inaccuracies, even though they aren't mine. Specifically, I have reason to believe that they conducted an unreasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditors 2. The contact information for the creditors 3. The name of the person who verified the item ( s ) for them 4. The method of communication they used to verify this information 5. Did the creditor provide them with my SSN, address, agreement signature, and Date of Birth? They have inadequately represented my credit file for over a decade and it is unfair for me to continue to suffer due to negligent, inaccurate, and unfair credit reporting.

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 2017-12-08
Company: TD BANK US HOLDING COMPANY
State: VA
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 have 2 separate debits that were UNDER {$5.00} each that I am now being charged {$35.00} fees for each one. I was under the impression by the bank that debits under {$5.00} would not accrue a {$35.00} fee. This is absolutely outrageous and I was told that I would not be charged a {$35.00} fee for something under {$5.00}. I spoke with a customer service rep and was told not to worry about it, I would not get fees. In fact, I was told that " most banks to not charge fees for debits under {$5.00} ''. Why is this bank allowed to do this when I 've been told otherwise?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
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 OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$460.00}.

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