BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Dear Sir ( s ), I had a car through wells fargo and was paying the loan. I got unemployed. They repossed my car after 3 months. I went to XXXX XXXX to get it from the auction. I was back in there grace. I got in a car accident and had medical bills. This time they ask is the car repaired the auto insurance ( full coverage XXXX ) repaired it good as new. Then they said sorry have to talk to the repo department no answer. Reposed the car after fully fix. XXXX stuck me with a bill of XXXX. Without consultation. Filed complaint with credit bureaus they just put customer disagrees. But car had less than a XXXX left on pay off? So they just took the creditors word didnt investigate. Did't check worth of car after full repair etc. And stuck me with a bill. As usual just side with who they work for credit companies instead of at least compiling proof of damages or allowing me to see such. So thay turned a great profit resold the car got someone else a new payoff on a fully fix up car and charge 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 2023-09-15
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX from my Cash App account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
These are not my inquires, I did not give these companies permission to use my credit, I am not responsible for XXXX  hard inquires on my credit report, according to the credit law these XXXX  inquires have to be taken off my credit report, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-15
Company: Mr. Cooper Group Inc.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Haaqve spoken with four different reps at the XXXX XXXX, Mr. Cooper. 
XX/XX/XXXX payment of {$350.00} made to be applied to XXXX Mortgage XX/XX/XXXX payment of {$310.00} made to be applied to XXXX Mortgage XX/XX/XXXX {$40.00} made to finish XXXX mortgage. 
All payments are applied. They never applied for the XXXX mortgage. I made a payment of {$700.00} on XX/XX/XXXX. This was applied to the XXXX Mortgage when it should have been applied to the XXXX mortgage payment and made a payment on XX/XX/XXXX for {$700.00}. This should have been the XXXX payment applied to XXXX. I Have spoken several times to reps to resolve this. They keep reporting to the credit bureau even though no payments have been missed. They keep telling me each time they are escalating the issue. It's been 90 days, and it's still not resolved with looking at another late fee added to my account. When they call me they claim they don't see anything unapplied, but when I initiate the call to try to get resolved, they see the " paper trail '' Each rep tries to tell me that it was applied to another date which it was not because of the trail I have proving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Friday XX/XX/XXXX Chase cancelled a wired transfer because the recipient information had been changed and they were suspicious it was fraud. 

I checked the recipients info and confirmed it had been changed and therefore suspected that someone had accessed my online banking. 

I changed my username and password to access my online banking and assumed that would be the end of the issue. 

On Tuesday XX/XX/XXXX I did not receive a deposit from Chase XXXX XXXX for our credit card transactions from the weekend. I called Chase XXXX XXXX and they confirmed that the deposit had been made to a bank account. I asked them what bank account the funds were deposited into, and they confirmed it was not my bank account. They did not investigate but said this probably happened online and that someone was able to change the checking account associated with the XXXX XXXX account. I am the only person with access to these accounts and was not asked for permission to change the checking account or even notified this had happened. 

When I changed the log in and password to my online banking again on Tuesday I saw that Chase had allowed the hackers to add their phone number to my account thereby making it impossible for me to secure the account. Again without getting my permission or informing me this had happened. 

Even though Chase has the phone number and bank account info of the criminals, they refuse to investigate or refund the {$3200.00} they took from me and gave to the hackers ( settlements on XX/XX/XXXX for {$2100.00} and XX/XX/XXXX for {$1000.00} ). 

Per the Federal Reserve Regulation E : Electronic Fund Transfers 12 CFR 205 Section 205.6 the limits of a consumers liability for unauthorized electronic fund transfers is {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Wells Fargo regarding a negative credit report on my account. I was provided a document by them stating my account was closed with a XXXX  balance. Now I check my credit and its showing the negative reporting as well as a balance.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: NJ
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, 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

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: ARS National Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple daily phone calls from the company, which are followed by 5 to 10 robo calls right afterward, all documented by a scam blocker app through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Bread Financial Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my XXXX XXXX and seen that it had s collection that is not mine i have a letter of the correct person who is responsible for that account, collection, and debt. I have done a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 602 states I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer report reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on my credit card account under a open end consumer credit card plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CORELOGIC 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: Investigation took more than 30 days

Complaint:
I have requested verification under FCRA laws from the creditors that reported an inquiry on my credit report and they have not responded in the 30 days. I also contacted the credit bureaus a Month prior and they would not take the inquiries in which I do not recognize off my report so I sent certified mail to the creditors to verify in which I have the receipts and tracking 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 explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: NV
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. 

XXXX XXXX XXXX XXXX  XXXX, Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX XXXX XXXX ( Originator XXXX XXXX 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 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 explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NV
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. 

XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX XXXX XXXX ( Originator XXXX XXXX ), Account # XXXX, has violated my rights XXXX 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 anted
ates 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage account is currently showing 180 days delinquent/past due on XXXX and XXXX, which is dropping my score tremendously. I'm unable to apply for needed loans or credit cards which has impacted my finances. I was in covid forbearance for 6 months, and I was current on my payments when I went into it. Under the CARES Act, my account should've been kept current. 

I have been trying to dispute this with the credit companies for 3 months. When I reached out months ago to the mortgage company they said someone from the credit department would get in contact with me and they never did. I also emailed about this issue on XX/XX/2022 with no follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to review my credit report and notice unauthorized and also incorrect information or error on 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: Chime Financial Inc
State: OR
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:
On XX/XX/2022 two transactions were done using my debit card while I was asleep of {$130.00} at XXXX then {$160.00} XXXX from a merchant XXXX. I've never heard of this merchant before. I called my bank Chime and they said they were unable to dispute it while it's pending. Today on XX/XX/2022 it posted and I filed a disbute and not even XXXX minutes later they denied it and said I was liable. When I called back they said they were unable to provide to me why it was denied or give me any further information. They also told me I needed to contact the merchant to prove I did not make these rather than them doing it. 

I was on the phone with chime to dispute this at XXXX for XXXX minutes so I was off the phone with them by XXXX. I got the email at XXXX that it was denied which means they did not even contact the merchant. 

My phone number is XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX oregon XXXX If you need any further info please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I contacted XXXX XXXXXXXX XXXX seeking their help in credit repair on XX/XX/2018. They ask me to pay upfront {$14.00} Work fee and {$120.00} per month for the Premier plus Plan. ( XXXX XXXX offers three levels of service depending on your credit needs for {$89.00}, {$100.00}, or {$120.00} each month after services are delivered. ) *This is straight from their website. Please pay attention to the part where it says " After Services are delivered '' The {$120.00} Premier Plus plan includes the following : Bureau Challenges, Creditor Interventions, Inquiry Assist, Score Analysis, Report Watch, XXXX Alerts, Cease and Desist Letters, Fico Tracker, Identity Protection and Personal Finance Tools. 

Please understand that XXXX XXXX charged me {$14.00} for Work fee on XX/XX/2018 and {$120.00} for the premier plus plan on XX/XX/2018 for the month of XXXX. By Charging me {$120.00} dollars for XXXX for services not yet rendered XXXXXXXX XXXX violated the Credit Repair Act. They disguised this payment as account set up but thats not what they say this {$120.00} can do for their clients. Again this plan says that The {$120.00} Premier Plus plan includes the following : Bureau Challenges, Creditor Interventions, Inquiry Assist, Score Analysis, Report Watch, XXXX Alerts, Cease and Desist Letters, Fico Tracker, Identity Protection and Personal Finance Tools. 

XXXX XXXX violated my rights under the Credit Repair Act. This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of " credit repair '' services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights. After 5 days of signing up and paying {$14.00} XXXX XXXX charged me {$120.00} for their premier plan for services not yet rendered. 

A whole month passed and nothing was done on my credit the negative accounts still remained on my credit file. I called XXXX XXXX XXXX on XX/XX/2018 this was 3 days before XX/XX/2018 the day when another {$120.00} for the premier plan was due. XXXX XXXX advertises free cancellation at any time. However to my surprise XXXX XXXX charged me {$100.00} to cancel my account. I explained to them that such practice was misleading and deceptive to their clients because such charges including the ones mentioned on their plan should have a better description on what they are for and also to inform clients that upon cancelation they will have to pay a bill. 

I paid in total {$240.00} to XXXX XXXX I am demanding my money back for violations of my rights and misleading me into paying a cancellation fee which they do not advertised on their website or inform me in advance.

Company response to consumer: Closed with monetary relief