BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: NC
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2023-02-13
Company: Experian Information Solutions Inc.
State: NV
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:
On XXXX XXXX XXXX  I received a notification from my credit monitoring service stating a formal credit inquiry from XXXX XXXX XXXX was made showing that I applied for a credit card with a company called XXXX XXXX. 

Apparently, XXXX XXXX is a company that provides credit information which is used by retail organizations to issue credit cards. In my case, someone fraudulently used my credit information to apply for a credit card. 

I was never contacted by XXXX XXXX regarding this transaction. Further, they do not provide contact information to the credit reporting agencies so it has been very difficult to file a formal complaint directly to this company regarding their fraudulent activity. It is no wonder that XXXX XXXX has an " F '' rating with the XXXX 

I never applied for a credit card with XXXX XXXX, but a card was still opened without my knowledge or consent based on information that a was provided by XXXX XXXX. This is a fraudulent transaction. As a result of XXXX 's incompetence, my credit score was adversely affected.

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 2023-04-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is inaccurately reporting account status and account balance for the following installment accounts below : 1 ) XXXX # XXXX 2 ) XXXX  # XXXX 3 ) XXXX  # XXXX 4 ) XXXX  # XXXX The account status should reflect PAID and the account balance should reflect {$0.00}. These accounts were included in a loan consolidation and XXXX  is NO LONGER SERVICING STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In the XXXX data brench all my information was stolen and used. With this being said I just want my cumsumer report corrected. 
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

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 2022-12-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have banked with wells fargo off and on for over 20 years. Anytime our account overdraws they switch around transactions so a more expensive transaction goes through first then add overdraft fees to more transactions because the smaller transactions aren't able to be covered. My app indicates the correct order as I process transactions but changes once they move things around. 

They claim that they post to the account in the order received from the vendor.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I was a victim to the XXXX data breach

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 2023-07-04
Company: Experian Information Solutions Inc.
State: GA
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. 

Account name : XXXX XXXX XXXX  Account number:XXXXXXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX 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 2023-02-13
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother owned a house and had a mortgage with Chase. She passed away in XXXX. 

Even though she passed away, I still have to file income tax for her estate for XXXX. Her estate still owned the house in XXXX. 

Chase did not provide me with a XXXX for XXXX. Apparently Chase 's policy is to stop providing XXXX 's for customers that are deceased ( despite the fact that the mortgage is getting paid and is still outstanding ). They have no problem sending notice to the IRS though. 

The XXXX should continue to be sent. Instead I had to call and escalate to a manager. I think this is an attempt by Chase to force the consumer to ( i ) refinance the mortgage to a higher rate or ( ii ) assume the loan. There is a third option for consumers, which is to simply keep it as is and take care of the mortgage. 

Chase 's policy is a way to get the best of the consumer who doesn't know their rights. Its very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I notified CashApp that I was scammed out of {$860.00}. CashApp is a financial platform, so makes them liable under the FDIC. They also bank with XXXX XXXX and XXXX XXXXXXXX XXXX. I am holding all Financial institutions under the FDIC liable for allowing the fraud and scam to take place. Also allowing the individual to hold an account currently. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
So initially I was sent a text message from a place who claimed to be capital one attempting to find a security deposit on the capital one secured credit card I had applied for. I funded the security deposit or what I had thought was a security deposit of {$200.00} to this apparent credit card with the word sky in it ... Like XXXX  or something along those lines. I was told as soon as I sent the deposit I would receive the card. Have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
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:
I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, 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 : dept of education/XXXX  Account # : XXXX dept of education/XXXX  Account name : XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act 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 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: AMERICAN INTERNET MORTGAGE
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, I contacted AIMLoan to inform them of changes to autopay, they said, it was too late to change, then charged me {$20.00} for a bounced check fee, even though I proactively notified them about the issue. 

Second, they keep messing up XXXX analysis every year, send me refunds, then immediately ask for the money back. 

The insurance sends a similar quote ever year. I dont know why they cant seem to do this correctly. Also, charging a consumer for a bounced check ( which was out of my control ), when I contacted them in advance to resolve the issue, just seems wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I visited XXXX XXXX XXXX  on XX/XX/XXXX to have my XXXX  XXXX degree evaluated. I paid extra for 5 days rush and {$15.00} priority mail 1-3 days. I was promised to have it by Friday XX/XX/XXXX. I was made to pay for shipping as XXXX stated that electronic version will not be provided. I received a document on Saturday in the mail and because I called them that my document didnt arrive as promised they sent me electronic version on Friday XX/XX/XXXX. After reviewing it I discovered that there were lots of discrepancies. Document I received was TRANSCRIPT WITH XXXX XXXX evaluated not the diploma XXXX XXXXXXXX ( completely different documents with different numbers ; my receipt from XXXX clearly states that it has to be XXXX XXXX diploma ). I tried talking to XXXX but they didnt listen to me so I decided to call Chase and do the chargeback on XX/XX/XXXX. Chase never asked me for any supporting documentation and decided in favor of the merchant. Although I faxed the proofs ( 16 pages of documents with explanation ) to Chase on XX/XX/XXXX they denied it and never let me know why. I feel Chese didnt conduct proper/fair investigation and possibly never looked at my evidence. They mail I got from Chase states that they found transaction was processed properly. Now I dont know if they even formed the dipute properly as it wasnt about transaction processinf it was about merchant not providing what I paid for within the time I paid for. XXXX trying to get money back responded with document correction days after in the email and they never even makled it to me as I paid for it. 

I am Chase customer for over 10 years and have never been in a situation like that and I am disappointed how my bank instead of protecting my interest is giving my hard earned money to the company that didnt provide quality service?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has been closed for XXXX  years, and I believe it no longer accurately reflects my credit history. 
I understand that closed accounts can remain on my credit report for up to 7 years, but I request that you remove this account from my credit report due to the fact that it is no longer an accurate reflection of my creditworthiness. 
A closed account should not be reporting a balance of {$730.00}

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 2023-07-04
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and XXXX have got into the hands of the wrong person.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 accounts below are reporting on my personal credit file with TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-12-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Purchase Date : XX/XX/XXXX, Amount {$700.00} Expiration Date XX/XX/XXXXXXXX  No payments from ENTIRE PROMOTIONAL PERIOD WERE POSTED TO PROMOTIONAL PURCHASE and when I requested the payments from XX/XX/XXXX and XX/XX/XXXX be posted to the promotional purchase, they refused stating it was against the law and their policy and the full payments could only post to the promotional period 30 ( thirty ) days from the expiration date. This I setting up the consumer to pay the interest as none of the payments for an entire year are allocated to the promotional purchase, so the consumer has 30 days to come up with the full purchase amount!

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 2022-11-17
Company: EQUIFAX, INC.
State: NC
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 a accordance with the fair credit reporting act XXXX XXXX XXXX  that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2020, I sent a letter to XXXX, XXXX, and Transunion disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.

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