BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I read there is a class action lawsuit against wells Fargo for auto loans in 2011. I had a loan and never recieved anything I do believe it is because I moved. How can I find out if I'm eligible for this.

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 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I notice unauthorised transactions I submitted a claim but prior to that I had any theft and I have a problem with somebody calling the bank and impersonating me estimate to replace report the first state to claim was approved and then they told me that the claim was denied the only gave me the money to have the money and then they took it back to charge me back and they said they were going to put it back and they never did and then they said that the claim was denied I also submitted a police report but they never give me Solutions every time someone else tells me something different this is Bank of America

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX is a business credit card which is included in company 's XXXX XXXXXXXX. The account holder is XXXXXXXX XXXX XXXX XXXX XXXX  However, XXXX is still trying to collect and harm my personal credit. 

XXXX has a claim under my XXXX XXXX. Under Bankruptcy law, this is clear harassment by XXXX and Equifax. XXXX can't collect from the business and me personally. This debt is a business only debt. 

Please remove it from my credit report and place on my commercial credit file as XXXX  XXXX. 

I demand an end to the harassment by equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: Experian Information Solutions 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:
This is my several attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion Here are the accounts that needs investigation : XXXX XXXX XXXX XXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
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 : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
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:
I XXXX 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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.

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear Transunion, I pray all is well I'm contacting you all because I was looking over my consumer report and noticed an inquiry that you all are furnishing that I do not recognize on XX/XX/2022 from XXXX. I would like this inquiry to be deleted from my consumer report immediately because I never authorized this inquiry, and I never gave permission verbally or written to have this furnished on my consumer report. Please view my attatchments regarding this issue. I have been in contact with XXXX and they have already deleted this inquiry, I attatched a photo for proof, I have attatched my driver licsense as well. I look forward to hearing from you all 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 non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-01-20
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I applied with Discover Bank to open an open-ended credit plan, extending myself credit. Discover discriminated against me 15 U.S.C 1691 ( a ) ( 3 ) ). It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. 12 U.S.C 1431 states each XXXX XXXX XXXXXXXX XXXX  shall have powerto borrow and give security therefor and to pay interest thereon, to issue debentures, bonds and to do all things necessary for carrying out the provisions of this chapter and all things incident there to.The Office of Finance, as agent for the Banks, may issue consolidated XXXX XXXX XXXX XXXX debentures which shall be the joint and several obligations of all XXXX XXXX XXXXXXXX XXXX organized and existing under this chapter, in order to provide funds for any such bank or banks, and such debentures shall be issued upon such terms and conditions as such Office may prescribe. No such debentures shall be issued at any time if any of the assets of any XXXX XXXX XXXXXXXX XXXX are pledged to secure any debts or subject to any lien, and neither the Office of Finance nor any XXXX XXXX XXXX XXXX  shall have power to pledge any of the assets of any XXXX XXXX XXXX XXXX  or voluntarily to permit any lien to attach to the same while any of such debentures so issued are outstanding. If congress states the banks are to extend bonds and debentures but can not do so with its own assets then what is actually being extended to the consumer? The bank is not extending me it's assets, I am extending myself my own credit and Discover Bank is acting as a trustee in this fiduciary relationship. Discover has an obligation to do what is in the best interest of the beneficiary, and Discover Bank has willfully neglected to fulfill its obligations set in place by congress. If Discover Bank continues to discriminate against me, address me and speak to me with foul language,, legal proceedings will be enacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On several occasions I tried to make a purchase with Wells Fargo and they told me I couldnt although I had the funds in my account. I also believe I was overcharged for atm fees and overdraft fees. I also had a credit card in my name but the account was closed along with my checking account without my consent.I note how a credit card balance on my credit due to a decision I didnt make.

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 2018-04-07
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On or about XX/XX/18, I called to inquire about a large increase in my APR ( around 30 % ). I was initially told it could be fixed, then told it was not an error and was increased for all card holders and they sent a letter to me. 

I informed Chase reps that I never received notification. They told me they sent out 100s of thousands of letters and it isn't their responsibility to make sure I get the letter, but rather MY responsibility. Was informed it was my responsibility to tell them I was never notified. It's unfair to put the burden on the consumer who does not even know to expect said letter, especially when this information is not included in the online section that includes imortant letters and communications from the company. 

I would have never agreed to the terms and would have used other available monies. I asked that a one time courtesy be applied and my rate be restored to previous rate for purchases made to date and was denied in entirety. As Chase maintains that it was my responsibility to notify them that I never received the change in terms even though, I knew nothing about the new terms until I found out on out about XX/XX/18. 

The creditor has the responsibility to inform the consumer. I was not informed. The creditor entrusted a 3rd party to get me that information and somewhere along the line from either one of their employees or the 3rd party delivering the mail, it did not make it to me. It is unjust to penalize me, the consumer, especially when it is common knowledge that things do get lost in the mail, on occasion and the creditor had other ways to ensure that I got the notification, such as mailing it certified, or additionally, including a copy in the online platform, especially in the inbox they design, designate and provide to the consumer for important communications and letters from Chase. 

I have the right to be notified and decide and I was deprived of that through no fault of my own and the credit card company is not only refusing to work with me to rectify the situation, but penalizing me for it and putting the burden of notification on me, the consumer..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an account starting back in 2006. I was constantly being charged fees, they would overdraft my account nearly weekly when I had money in it! They would charge me fees that would make me overdraft, then charge me more fees for overdrafting. It was atleast {$35.00} for every transaction. Plus some other {$5.00} fee. I had several charges that I had to dispute throughout the years and they would not cooperate to help me fix it, and would apply more and more fees. Wells Fargo ruined my credit for a decade. They didnt protect me or my finances as a customer. I finally walked away. They didnt honor my loan terms and I had similar issues with my credit cards. They have swindled thousands out of me. I was on the phone or in a branch weekly trying to resolve issues. It led extreme amounts of stress and I started having 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 2023-01-20
Company: EQUIFAX, 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:
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX  XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my 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 2023-01-20
Company: Experian Information Solutions Inc.
State: IN
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'm submitting this CFPB Complaint to you today in accordance with the FCRA 's rules to ask that the mentioned account, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Balance due : {$11000.00}. XXXX XXXX XXXX XXXX I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and amend this account to reflect legal accuracy.

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 2020-03-11
Company: Experian Information Solutions 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:
I found some one used my credit record and open accounts under my name.

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