BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
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 am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. 

Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. 

In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. 

I kindly request that Experian conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

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 2023-12-06
Company: Experian Information Solutions Inc.
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:
I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
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 numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 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 2024-01-26
Company: WELLS FARGO & COMPANY
State: CA
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 XXXX XXXX XXXX  a scammer made an UNAUTHORIZED withdrawal of {$2500.00} from my checking account after accessing my information without my consent. Today, I got a message from the company claiming the purchase was authorized. THE PURCHASE WAS NOT AUTHORIZED. Their representative XXXX failed to explain anything. This is unprofessional and unacceptable.

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 2023-12-06
Company: Experian Information Solutions 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
USAA FCB locked me out of all my accounts with them due some perceived fraud activity on my credit card. They had me verify the credit card transactions I made on my credit card via text message. Despite verifying my credit card charges were not fraud, USAA Fraud and credit has issued a complete account lock ON ALL my accounts, including my checking accounts, home and auto insurance, credit card and college savings accounts that were not affected by the fraud alert. USAA is refusing to provide me with any way to resolve this issue after more than 1 week and several calls to try to figure out whats going on. I cant log in to my accounts through the USAA mobile app, or on my computer and I cant even get access to my balances by phone because they have locked me out of everything... for No reason.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
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 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions 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 AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS 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 2024-01-19
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a pressing matter involving Kia Motors Finance and a late payment discrepancy that has adversely impacted my credit. I believe Kia has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 
In XX/XX/2023, I purchased a vehicle from Kia and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted Kia to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 
Upon escalating the matter to a supervisor, I was informed that Kia had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/2023. 
XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2023 Balance : {$51000.00} Late date:XXXX I kindly request your intervention to prompt Kia Motors Finance to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with Kia.

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 2024-02-02
Company: Cash Express, LLC
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out what they call a flex loan kind of like a line of credit loan. During the time of the loan, I became an employee of the company. I submitted new pay stub info everyone working there gets paid on same day so they knew and the XXXX called me at work to confirm. They took out weekly payments from me saying it takes several pay cycles to fix itself. Then she tried taking a payment out a week before our pay schedule. So I stopped payment as its not my pay. Then I got fired and they took the entire remaining balance out of my paycheck. When it was due the XXXX did not call me like she always has and I was not notified they were going to do that. Then the day after I got a letter in the mail that they were doing that. If they got my phone number and always called me before I worked for them and during they should have called me now and that was shady. How can they take a whole balance out of my last paycheck without telling me? I also have XXXX payday loan checks out and they didnt do that to those.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This bank is pretty useless and has no idea how to do business in the US. 

First they suspended my XXXX service due to suspicious activity. I was sending MYSELF money between my two bank accounts using XXXX 

It was unsuspended only to be suspended for the past 3-4 months. Ive called about 20 times and spoken to different supervisors, everytime i called they tell me the same storyline. It will be reviewed in 3 to 5 business days, but it never does. My accounts are not eligible for XXXX or transfers. Oh and wait. My local branch has been out of temporary debit cards for 3 WEEKS. Offering no XXXX solution but to pay for a debit card by calling bmo service. This branch is useless, how can they still be waiting for temporary debit cards for that long? 

My account is in negative status right now, due to a payment coming unpexcted, i went to the branch to get a debit card and deposit the money later but no debit cards. Then i said fine ill call customer service to unsuspend my XXXX or external transfers BUT THEY CANT DO IT. THEY WANT TO KEEP MY MONEY HOSTAGE BY NOT GIVING ME AN OPTION TO USE MY MONEY The customer represeentative that i spoke to tonight told me sir your service has been suspended since XX/XX/XXXX, so its not 4 months. Does that sound reasonable? Having my own checking accounts suspended for 3 months due to transfering money toMYSELF

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 2023-12-06
Company: Experian Information Solutions 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-23
Company: U.S. BANCORP
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I entered a COVID-19 hardship payment agreement with Elan Financial Services , requiring XXXX XXXX  monthly payments for 60 months. Despite making my first payment on the same day, XXXX reports showed the account as " closed '' on XX/XX/XXXX, with a last payment date of XX/XX/XXXX. Elan Financial Services refused to discuss or fix this error. 

By XX/XX/XXXX, my XXXX report showed the account as delinquent as of XX/XX/XXXX and " charged off. '' These inaccurate reports have severely harmed my credit score, will increase the interest rates for my XXXX XXXX college loans, and will limit my ability to rent an apartment or qualify for other personal loans.

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 2024-01-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have banked with USAA bank for 8 years and recently held a payroll check that I deposited into the account with no explanation. it didn't violate any deposit limits my account was in the positive, but they held the money for a few days for no explanation. during the next pay cycle my account dipped into the negative, I then received my pay which covered the negative balance and had the rest of my pay to get me to my next payday. USAA decided to hold my entire balance for not only the amount the was negative but the entire balance of my entire check which isn't available for 7 days. This has caused numerous issues without being able to access my money unable to put gas in my car to get to work or pay my bills which only hurts me as the consumer more than I already am. I have called USAA and they have not given a reason for holding my account just that they can try to file an appeal to get my money released sooner. I didn't get a yes or no answer just they would ask. I now have no access to any of my money to pay bills or anything and don't have access to my own payroll check until a week after it was deposited.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Totaled my XXXX XXXX. 
I was given a XXXX dollar check on XX/XX/XXXX  I was then told on the XXXX that my money WILL NOT BE AVAILABLE UNTIL XX/XX/XXXX This us an insurance check drawn XXXX XXXXXXXX XXXX. My adjustor wrote the check and yesterday MONDAY XX/XX/ The check cleared his bank. I told BANK OF AMERICA. and yet they refuse to help me. I also called XXXX XXXX and they gave me a phone number for BANK OF AMERICA TO CALL and fix this totally messed up situation., Again they refused to call XXXXXXXX XXXX XXXX 

Bank Of America is stopping me from vuyung a vehicle, I cant go to work without a vehicle and I'm in jeapordy of losing my job THUS IS TOTALLY UNACCEPTABLE. Bank Of America refuses to release my XXXX dollars and I'm being unjustly persecuted and may very well lose my job because if ut

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 2023-11-29
Company: Chime Financial Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX I used the pay anyone feature via Chime online banking thru there app- I normally send money to my wife XXXX XXXX XXXX - when I recv my VA BENEFITS- I attempted to send XXXX @ XXXX which popped up DENIED - upon research we realized that my card wasnt linked with her XXXX XXXX  acc - thus being a requirement needed to be able to make the transaction successful- she fixed it by linking our acc ; then I tried again at XXXX to send XXXX, this time being successful- however I noticed under my transactions it showed the first -denied XXXX was showing as pending- and also my account was missing XXXX from my balance ( XXXX total ) cont XXXX XXXX and made them aware - today now it shows completed and the XXXX that was tied up in there system has been taken completely from me.I again made them aware that now they have stolen XXXX from me- having XXXX possibility of even being any other option ( the orginal XXXX that was denied ; was denied due to XXXX not being linked thus it cant be blamed on anything but there system ) thats all my remaining money for the month and bill money - they said they would look at it and it could take 90 days thats so extremely unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805

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