BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for and one account with one-hundred and eighty, on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$3800.00}

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
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: MS
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:
I am refiling this complaint due to the resolution of the previous complaint filed. Again the account is appearing to have a late payment even if I was not late. XXXX XXXXXXXX I demand you to update this on my report cause it's clearly a violation of my rights.

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 2019-06-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
SYNCB/BELK I PURCHASED A {$1000.00} DIAMOND RING XX/XX/XXXX. QUALIFIED FOR 0 % INTEREST FOR 1 YEAR TO BECOME A PREMIER CUSTOMER!!!! 
LOW AND BEHOLD MY CREDIT SCORE DROPPED 40 POINTS!!!! 
I IMMEDIATELY GOT MY CREDIT REPORT AND SYNCB/BELK HAD NOT ONLY DID NOT CREDIT MY ACCOUNT {$610.00}!!!! WTH!!!! PLUS, THEY OWE ME CREDIT FOR THE INTEREST ON THE DIAMOND RING PURCHASE IN THE AMOUNT OF {$120.00}!!!! I DID PURCHASE A {$54.00} COAT THAT DIDNT QUALIFY. THATS FINE. BUT WHERE DID MY MONEY GO? SOMEONES BACK POCKET??? 
HOW COULD THEY MAKE SUCH A HUGE MISTAKE???? 
IM SO UPSET!!! WHAT IS GOING ON WITH SYNCB???? AND BELK????

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 2023-03-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 CHILD SUPPORT ENFORCEMENT XXXX XXXX XXXX CHILD SUPPORT ENFORCEMENT, 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 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 2023-04-13
Company: WELLS FARGO & COMPANY
State: CA
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:
Dear Sir/Madam, This is a supplemental to CFPB Complaint Number XXXX filed on XXXX. XXXX  XX/XX/2023, someone who claimed to have called from Wells Fargo resolution team at or about XXXX XXXX, phone number XXXX, and told me that she was recording the call, i : then informed her that i : too will be recording the call, she then told me that she did not consent to being recorded, i : also told her it is either we both record the call, or neither of us would be allowed to record the call, she said that she can not stop the recording, i : then informed her that i : too will not stop the recording. She then asked me for the last 4 digits of my trust 's social security number, i : told her that i : do not need to supply her with that, but i : can tell her that i : did complain to CFPB about the misconduct of Wells Fargo in concealment at 18 USC 2071 -- concealment, and Wells Fargo 's being in contempt of the writ for not returning the writ and must show cause why i : am not entitled to a tort claim to purge Wells Fargo 's contempt for not returning the writ. i : also told her that i : welcome an opportunity for Wells Fargo 's amicably furnishing the particulars specified in the writ, without involving any additional government agencies -- CFPB, Court, etc etc. i : reminded her that concealment is a criminal offense and Wells Fago can not use a false narrative [ that the method of serving the subpoena were not proper, when USPS specifically identifies registered and certified mail restricted delivery is the highest level of service of process, even higher than personal delivery through a process server. She insisted to get the last 4 digits of my trust 's ssn, i : told her she does not need that and i : will not furnish that, and that Wells Fargo must adhere to the power of the writ and immediately without any further delay furnish the required particulars under the power of the writ.

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 2023-02-03
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$520.00}

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
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. My name is XXXX XXXX and I have identified several discrepancies in my credit history that require immediate attention. 

Firstly, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have all made inquiries on my credit report which have reached the statute of limitations. Therefore, I request that you remove these inquiries from my report immediately. 

Secondly, I have identified several accounts on my credit report that I have no recollection of belonging to me. These include account numbers XXXX with XXXX XXXX XXXX, XXXX with XXXX  XXXX, XXXX with XXXX XXXX  and XXXX with XXXX XXXX. As I have no knowledge of these accounts, I ask that you remove them from my credit report as they are frivolous and inaccurate. 

I am eager to restore my credit score and hope that you will take immediate action on this matter. I appreciate your prompt attention to this issue and look forward to hearing from you soon. 

Sincerely, 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 2023-03-15
Company: Experian Information Solutions Inc.
State: CA
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 confidentially under 15 U.S. Code 1681, Account : XXXX XXXX Account number : XXXX Account : XXXX XXXX XXXX  Account numberXXXX Account : XXXX XXXX  Account number : XXXX XXXX5 U.S. code 1681 section 602.A indicates, I have a right to privacy.

15 U.S. code 1681 section 604.A indicates consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681c. ( a ) 5 section states : no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions or crimes which antedates the reports more than seven years.

15 U.S. code 1681s-2 ( a ) 1 section states : A person shall not furnish any information relating to a 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 2023-03-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2022-09-27
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:
This is in violation of 15 U.S. Code 1692c which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

15 U.S. Code 1692 a which states I have a right to privacy.

There are many accounts which were paid for deletion and still remain on my credit report. The items are as follows : XXXX XXXX -- Account number XXXX Closed and paid XXXX XXXX -- Account number XXXX Closed and paid XXXX XXXX XXXX -- Account number XXXX Closed and paid XXXX XXXX XXXX XXXX -- Account number XXXX Closed and paid I have submitted documentation to the credit bureau multiple times and they have yet to open the dispute and delete the accounts from my report which is causing extreme hardship ; negatively impacting my life.

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 2023-04-02
Company: Experian Information Solutions 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 The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information.

Once again my rights are being violated and illegal practices is taking place.

I have not given Any company written or verbal consent to do so.

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 2023-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I received a phone call, caller i.d identifies caller as Wells Fargo. The person on the line informs me that someone opened an additional XXXX account and is requesting to transfer {$970.00} and {$340.00} if I approve this transaction. I stated NO I do not want to authorize the transfer. Agent then directed me to log in my Wells Fargo account click on the XXXX link and type in the fraudulent additional account number which was XXXX then enter amount of {$970.00} and type Cancel Transaction and repeat for the second unauthorized amount of {$340.00}. Once I complete it, I received email from Wells Fargo stating I sent the funds not canceled. So I immediately contacted Wells Fargo and explain to the agent what just happened he stated that can not stop or cancel the transaction even though its only been a few minutes. After the Wells Fargo agent informed me that they will try to get the funds back and will notify me in the next 10 days. Soon after I received letters in the mail informing me that Wells Fargo was not able to retrieve the funds, and suggested that I reach out to the scammers and request for them to return the funds. Very disappointed experience that is a significant amount of funds for me and is a challenge to recover from. I have been banking and a loyal customer with Wells Fargo for almost 20 years and I never experienced such a disappointment such as this situation. The scammers was able to verify all my information, It seems like either Wells Fargo had a security breach or someone employed is selling or sharing customer information. Thank you in advance for any assistance that can be offered.

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 2023-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I filed CFPB complaint XXXX against USAA on Monday the XXXX and believe that I have been retaliated against by members of the USAA staff for doing so. 

Immediately after filing the aforementioned complaint, USAA stopped offering me the ability to verify my identity over the phone by sending a six digit text to my cell phone. All departments are now requiring me to enter a code from the " token '' on the USAA app. However, when I provide them with the token on that app, they inform me that this is the wrong code and that they are going to disconnect the call. 

I have reached back out to the department of the CEO ( who IS able to verify me via text message. ) They told me that they are not aware of a situation where a client would only have ONE verification method offered to them, because, under ordinary circumstances, there are backup questions that have been offered. I am not being offered any backup questions. I asked the representative from the office of the CEO how we can resolve this. She advised me that if I go to usaa.comXXXX I can upload a color copy of my driver 's license. I asked if this meant that I will no longer need to enter a security code when I call in, and she said it would NOT do that. I stated that I didn't understand how this would help my problem. The representative did not have an answer to provide me. 

I believe that after filing a complaint with both USAA and the CFPB, a member of USAA 's staff illegally modified the settings on my account to make it impossible for me to access support from USAA going forward as retaliation for filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit 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 made a fraud claim for transactions that are not mine in XX/XX/XXXX. Fraud claim was closed in my favor. Fraud claim was subsequently reopened for some unknown reason in XX/XX/XXXX. Evidence supporting the fraud claim against me has never been provided even after requesting the information several times. I've called the credit card company at least 30 times. I have only been able to briefly speak to the representative handling my claim one time. I request a call from the employee handling my claim every time I call and she never calls back. I've wrote the company 2 letters. I also ask to receive a call back from the supervisor of the employee handling my claim. I have Never once talked to the supervisor at all. 

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 To Whom it May Concern ; Please take this as my appeal to my fraud claim that was initially denied in a letter from your office dated XX/XX/XXXX. Your investigation is wrong and erred in its denial. Regarding the 3 points presented in your findings, please find my responses : -Travel tickets were purchased using this card, but no travel tickets in any instance were disputed by me. Therefore, you are presenting incorrect information and basing your decision off of incorrect information. 

-The card was not in my possession at all during the period that these transactions took place, nor do I have possession of the card now. I do not know where it is, what happened to it, or who used it. 

Regarding transactions being made using my PIN number, I never provided my PIN number to anyone nor was my PIN number written down anywhere. Additionally, after calling your office and speaking with a representative by the name of XXXX, she advised me that your information was incorrect because she does not see anywhere my PIN number was used in any of the transactions that are in dispute. 

Furthermore, the letter from your office dated XX/XX/XXXX states a disputed amount of {$1000.00}. I never disputed that amount, I do not understand where that number is coming from. This fraud claim totals 9 charges in the amount of {$440.00}. 

Due to these faulty facts in the investigation, I request that this fraud claim be approved in its full amount. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief