BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2021-06-10
Company: Chime Financial Inc
State: MO
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:
Chime Credit Builder Account Resolution of disputed transactions Amount of time allotted for reconciliation Excessive paperwork given hardship ( XXXX XXXX, lacking adequate coordination to file repetitive accusation Hotel bookings directly with hotel, no return of deposit, no price match given guarantee, and discrepancy of policies for deposit, available services VS limited services during pandemic ) Communication open and easily accessible- see histories of accounts. 
No update from Chime No open communication regarding reconciliation process though guaranteed No acceptable processing time frame ( given multiple times and reasoning when made aware of personal hardship numerous times )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Driveway Finance Corporation
State: WA
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 was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with Driveway Financial. As soon as I found out there was a balance on this debt, I started issuing {XXXX} payments to Driveway Financial in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead Driveway Financial has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that Driveway update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an XXXX XXXX XXXX XXXX for about 6 months or so. On XX/XX/2022 I called Commmenity Bank to get a FINAL payoff figure - I got and paid the final payoff figure of {$260.00} on XX/XX/2022. I was assured the account was closed. A month or so later I got a bill for {$2.00} cents ... .. i refused to pay anything more on an account that was CLOSED. Now these monthly bills and harassing 4 to 6 daily phone calls say i owe {$110.00} - on an account closed XX/XX/XXXX. I called the company again today and was told there was " nothing they could do to credit any of the interest charges because my account was closed ''????? But I can continually get charged monthly for an account that is closed? I am understandably angry. I have other credit cards that are all in excellent standing. I would appreciate any help with this issue. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have a military star card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from military star and not from XXXX. XXXX tells me its like XXXX more then the statement says when I try to pay them. I called XXXX again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number XXXX and hung up. Here is the number 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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is a Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broke the law because these damages are fraud and I am trying to move forward.

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 2022-11-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX Wire Transfer performed on XX/XX/2022 in the amount of {$10000.00} XXXX Wire Transfer cancelled on XX/XX/2022 due to Availability date of XX/XX/2022 and my presence required at the Branch due to problems with Wire. Cancellation requested on XX/XX/2022 at the Branch and on XX/XX/2022 written confirmation received and funds returned to my XXXX Account. 
On the month of XXXX of 2022 discovered my Savings Account was debited for the same amount that the XXXX XXXX funds were refunded on XX/XX/2022. 
Went again to the Branch and was told by the Personal Banker that Wire Department explained they were confused with the Cancellation request and placed the funds on Hold. 
Later the Branch Manager informed me that the Wire Department said the Wire was resent on XX/XX/2022, another surprise since I was not notified, nor I requested Wire to be resent. 
Since then, it has been a back and forth from the bank Wire Department and the Personal Banker, and then the Branch Manager, till case was supposedly forwarded to their Legal Department for more investigation. 
I have received XXXX letters from the XXXX Bank XXXX XXXX XXXX XXXX, indicating they have received from the XXXX XXXX on XX/XX/2022 the information that resent Wire Funds were deposited on the specific date of XX/XX/2022 for the specific amount in the XXXX  's country currency along with a Reference Number. 
But also received another letter from the Originating Bank Wire Department dated XX/XX/2022 indicating they have tried on XXXX different occasions the XXXX Bank without any response received, but if beneficiary still claims not receiving the funds, to please contact them again for further assistance. 
XXXX Bank claims never have received communication from the originating Bank and they are willing to cooperate with any investigation. 
Originating Bank is not accepting evidence presented by XXXX Bank proving 2nd Wire ( resent Wire ) was never deposited into the XXXX Bank Account. 
As part of the XXXX Bank investigation, provided emails from the Remittance Department, as well as information that no money from the originating Bank has been received nor deposited into the Beneficiarys account, also presented Detailed Bank Statements, Receipts from other Bank showing and matching the big deposits on beneficiarys account were from another Bank institution, plus XXXX Bank provided copy of first Remittance from XX/XX/2022 received, that was rejected due to name mismatch and returned to originating bank on XX/XX/2022. 
Please see detailed attached History plus several evidences attached. Thank you!

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 2022-03-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was contacted by XXXX XXXX stating I was approved for a loan and for good faith I needed to purchase a gift card for All things XXXX because she deposited a mobile check in my account. I verified that the check was actually deposited in the amount of {$490.00} she stated that I needed to purchase the gift card and take a picture with my phone and send it to her, in which I did. She then called me again and said that by mistake she sent another check. I told her I didn't receive another check from her on XX/XX/XXXX. She said I still needed to purchase another gift card and I told her I would not do that. The next morning she called me and said I should check my account which I did and the other check for {$490.00} was in fact there so I did what I was asked to do and purchased another XXXX gift card. She then called and said I needed to pay a funding fee for the loan and I told her to take the fee out of the loan proceeds and she said she couldn't do that and that is when I realized it was a scam. I am trying to get back the {$1000.00} I paid to this person who said she was from XXXX XXXX XXXX which I looked up before I did anything to make sure I wasn't being scammed and it is a legit company. I have been denied twice from Wells Fargo to get the {$1000.00} back. I am the one that notified Wells Fargo that it was fraud on my account and they didn't notify me until XX/XX/XXXX that the checks were fraudulent.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is XXXX defamation to my character and they have refused to remove these items. XXXX, XXXX and TransUnion have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.

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 2018-11-16
Company: Russell Collection Agency, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After looking over my credit report I ran across a collection from this agency. They are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect METRO 2 COMPLIANCE! A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution. I received no response according to my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2023 I was granted a remission payment and received a check of {$23000.00} from the United States Postal Inspection Administration office for documented pecuniary losses in connection with United States v. Moneygram International Inc. ( Reimbursement Claim # XXXX ). 

On XX/XX/XXXX I deposited the Remission check in good faith into my checking account at my local Branch at TDbank in XXXX, Delaware ( phone ( XXXX ) XXXX XXXX. 

One week later I received a call from Security at TDbank questioning the validity of the check and was told my account is frozen, claiming the check is under suspicion for Fraud.

The check has now been held by TD for almost 4 weeks. I personally visited the Branch with supporting documents explaining the check is valid but with no avail. 

The XXXX Remission Administrator responsible for the distribution of checks is XXXXXXXX XXXX XXXX  XXXX California and can be reached at ( XXXX ) XXXX XXXX my personal email XXXX phone ( XXXX ) XXXX Looking forward to your reply. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: PA
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 has failed to comply within required timeframe. 
XXXX is a repeat and habitual offender. 
XXXX XXXX, on XX/XX/2023, XXXX from EQUIFAX did acknowledge and confirm the receipt of Victims Complaint. 
XXXX has failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: AZ
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:
Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : 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 explanation
Consumer complaint received 2018-11-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller will ask for my address and say they have all my information, but need me to confirm my address. They say they are calling in regards to a personal matter and will not tell what it is. I have answered their calls at least three times and told them that I will not confirm my address until the tell me what they are calling about but all they will say is that I is for personal matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: STERLING JEWELERS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife has been receiving multiple calls daily for the past 2 weeks. On XX/XX/2018 I spoke to the company about a debit that I owed. When I asked for a verification letter they stated they have sent multiple notices in the mail, none of which I have received. Constant phone calls threating to garnish my wife 's swages and I only have one day left to accept the settlement. I have not heard anything about this debit from the original creditor in over a year. If they sent a verification of debit I would happily pay it, but until then I will not pay some company that I have no idea about nor trust. I am currently going through the XXXX process so having threating calls about garnishing wages really frustrates me. I know its my debit but I am getting no assurance from this company that its not some sort of scam they are trying to pull on me.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
Dear XXXX  XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX  XXXX XXXX, XXXX. 

Account number XXXX Account type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-11-07
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: Investigation took more than 30 days

Complaint:
I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus Transunion, XXXX, and XXXX. Credit Companies are not complying with their own policies in a timely manner.

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