BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Last XX/XX/XXXX I discovered that my XXXX XXXX odometer had been rolled back by XXXX Dealer in  my town. I had very serious engine problems had asked Wells Fargo to put a payment to end of loan in XX/XX/XXXX. It's been horrible financial strain Wells Fargo charged off the Truck in XX/XX/XXXX has refused to pick it up out of my driveway where it died in XXXX. I can not get anyone to come get it because I don't own the truck. I have made so many complaints to the AG of Ma, to CFPB, XXXX, XXXX, National Odometer Fraud. I have sent emails to Wells Fargo, Called every single day from XX/XX/XXXX to end of XX/XX/XXXX. I finally had to file chapter XXXX in XXXX because this hurt my credit so badly that I was unable to get a loan modification on my home. Wells Fargo had the nerve to submit a request for payment to the Chap XXXX court? I want this truck out of my driveway XXXX can't tow it, XXXX can't tow it I have been unable to get the snowblower out of my garage all winter and now I can not mow my lawn. I have XXXX XXXX XXXX so bad at night for the past year that I XXXX several of them and they were XXXX XXXX. I have had to pay so much money to have replacements put in my XXXX and the Doctors have never seen XXXX so bad. I just recently called the BK department end of XXXX demanding that they sent surrender papers to my chap XXXX attorney which as of today XX/XX/XXXX they still have not done. I have called and spoke to WFs 3 different times since first week of XXXX and they record all calls so I know the over 125 call I have counted since XX/XX/XXXX can be verified. I need the Truck picked up by Wells Fargo 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-09-07
Company: Experian Information Solutions Inc.
State: VA
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:
The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 


The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from 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 2023-08-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2019-01-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made two purchases on XX/XX/2018, and one purchase on XX/XX/2018, from an e-marketplace website called XXXX ( XXXX XXXX XXXX ) for virtual codes for a video game called XXXX XXXX XXXX. The purchases were paid through PayPal and I subsequently received the video game codes which I added to my game account. 

On XX/XX/2018, I received an email from the game developer of XXXX XXXX XXXX, stating that my game accounts have been suspended due to fraudulent purchases. The developers stated that the codes I had purchased from XXXX were found to " have been acquired illegitimately through fraud, hacking, or identity theft '' which led to the suspension of my account and the removal of the game benefits from these codes. From my correspondence with the game developer, it was revealed to me that XXXX is not an officially authorized seller for these codes and they are a marketplace where users can sell their extra/unneeded codes. 

On XX/XX/2018, I emailed the XXXX support team about this issue and requested a refund for my purchase. A XXXX support agent responded on XX/XX/2018, that they " can confirm that all of our codes are legitimate. '' In response, I asked the support agent to provide the original proof of purchase for the codes, such as date, time, and location of the original purchase. The support agent responded with completely irrelevant information. 

I submitted all this documentation, including the email from the game developer and my correspondence between XXXX, to PayPal to dispute these three charges. On XX/XX/2018, PayPal finished their initial investigation of the dispute and resolved it in the seller 's favor. They did not provide me with any information from the investigation and simply said that it was not in my favor. I re-opened the dispute and further explained the situation. On XX/XX/2018, PayPal finished their second investigation and still did not decide it in my favor or provide any information from the investigation. 

Therefore, I am submitting a complaint against PayPal for failure to disclose the outcome of their investigation and failure to protect and refunding their users from fraudulent web stores.

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 2022-03-07
Company: JPMORGAN CHASE & CO.
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:
I was given a loaner car by XXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX while my car was in for service. On XX/XX/XXXX, my Chase credit card was charged {$130.00}. I spoke with XXXX, the loaner car manager at XXXX, who said it was due to toll charges. When I told him that I should not have any toll charges, he said he would look into it. I received another charge for {$58.00} on my Chase card on XX/XX/XXXX and again spoke with XXXX, who again said he would look into it. The next day, XX/XX/XXXX, I received another charge for {$50.00}. I called XXXX yet again and he again said he would look into it. I never heard from XXXX again despite leaving multiple voice mails. To reverse these incorrect charges, I filed a dispute with Chase. I was told by Chase that the charges were valid and to file a fraud claim if I disagreed. I did this and had to obtain a new card # as a result. When I received a notice from Chase on XX/XX/XXXX that I was still responsible for the charges, I called XXXX again. I was made aware for the first time that the XX/XX/XXXX {$50.00} charge was for a speed zone camera violation on XX/XX/XXXX. I take full responsibility for this charge and do not dispute it. I do however continue to dispute the charges for {$130.00} and {$58.00}. On XX/XX/XXXX, I sent Chase an email with extensive documentation proving that I could not have made the toll charges claimed by XXXX  as I was either at work or out of state at the time the highway toll charges were made. In a letter dated XX/XX/XXXX, I was told that the charges were valid and that I was still responsible for them despite sending them documentation that it would have been impossible for me to be passing through the toll plazas at the times indicated on the toll statement. As attachments, I provide a copy of my email to Chase giving a line by line explanation ( " email to Chase '' ) for why each of the toll charges ( " XXXX  toll invoices '' ) could not have been made by me. I have attached the in and out log for one of the parking garages I use at work showing that I was parked in a garage during some of the charges ( " XXXX parking log '' ). I have also attached : my work schedule for a day that I parked in a different free parking lot where I do not have to swipe a card to go in and out ( " XXXX office schedule '' ), a receipt from yet a different garage where I was parked all day when one of the toll charges occurred ( " XXXX parking receipt '' ), and two credit card app screen shots showing that I was in CT or MA on days that NY-NJ toll charges occurred ( " XXXX XXXXXXXX XXXX XXXX '' and " MA gas receipt '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: IL
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:
Dear XXXX, I would like to address this concern to XXXX and Experian 's agency for the second time because I needed this one remaining fraudulent account to be taken off of my credit report. I have already informed these agencies in my previous letter that someone has made a transaction with this account that made use of my identity to which I have no knowledge about. This was already reported back in XXXX and I was expecting that this will be resolved immediately. 

XXXX XXXX XXXX -- -- -- -- -- -- Account # : XXXX XXXX has already DELETED this account from their record back in XXXX and I trust that all consumer reporting agencies are only reporting to one furnisher of information. I dont understand the miscommunications and the disconnections here between them and the furnisher. Why has XXXX been able to deal with this matter yet these other 2 credit bureaus was not able to fulfill the duty to remove a fraud item? They just literally closed my filed complaint and Experian just sent me their default system-generated result.

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 2023-06-16
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My debit card was stolen and I reported it to the police department by that time the thief had cleaned out my account. I reported it to the bank and they decided that it was not stolen, I provided the police report number, I provided the information that was requested by the police. The bank never refunded any of the money back to me not even a temporary credit. I was left with no money. The bank said if they got your pin number then it was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
I initially submitted an application on XX/XX/2023 to XXXX XXXX regarding a credit card named XXXX XXXX.Upon initial submission I received a pre approval offer, and was told a manger would be in touch shortly to finish the application. Any pre approval offer must be a firm offer or this is an adverse action under Equal Credit Opportunity Act ( ECOA ) I provided this company with my social and was told that my personal credit must be check in order to continue my application. I was told that initially my application was approved and that the personal credit check is to personal guarantee the amount I requested, and if that amount is not sufficient I would receive a different line of credit. I received an hard inquiry but was never extended any form of credit. After calling XXXX technologies for months and sending countless emails, requesting to speak to my account manager XXXX I have yet to hear back from this company. I was even told through a member of the company that none of the cars require a personal guarantee, so if my original submitted application was approved like I was told and reassured by a operating member of this company. I have not yet received a card nor response regarding this matter.This is a firm breach of contract and also causing damage to my credit report as well for this inquiry being reported without me being extended any extension of credit. Ive sent 3 letters regarding my application and have not yet heard back nor does anyone answer the phone number I am given to call

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 2022-08-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian issue with a closed XXXX XXXX  account. I had a long time ( over XXXX yrs ) XXXX XXXX bank Master card account with EXCELLENT Payment history that I closed in XXXX. My limit was over {$26000.00} and I paid off over {$25000.00} ( NEVER LATE ). 

Well someone at Experian with bad intentions, DELETES this account from my file on XX/XX/XXXX, then drops my score XXXX points because there is no longer credit history. 

The XX/XX/XXXX credit report shows my score as XXXX. 
The XX/XX/XXXX credit report shows my score as XXXX. 

And no reason was really given as to specifically why. I had to research & discover the closed acct was deleted. Was it really bothering Experian to just leave that Master card acct on my file because it shows a potential lender excellent payment history?? 

What do you think?? 

Thanks, 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-01-09
Company: Upgrade, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried several times over the phone to close the Upgrade account # XXXX, card # XXXX, but they always tell me the XX/XX/XXXXthat it is closed because actually the above mentioned account stays active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS, it is required by law to remove any accounts or information found to be opened due to identity theft. 

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 2023-07-01
Company: Experian Information Solutions Inc.
State: NY
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:
From XXXX XXXX social security number is XXXX. XX/XX/59. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX My complaint is that I have five negative accounts on my XXXX XXXX report that are charged off, the negative accounts are credit card accounts that are charged off can you please have XXXX XXXX dispute the 4 averse accounts that are charged off. And my complaint with XXXX there are XXXX negative items their are XXXX XXXX XXXX  and XXXXXXXX XXXX and XXXX charge card. I'm disputing the negative items as fraud and and my complaint with experian is I have four negative items s there show all charged offs I'm disputing this as fraud there XXXX XXXX and XXXXXXXX XXXXXXXX .all four negative items on experian are fraud please have experian disputes items

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