BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a previous checking accounts with Wells Fargo Bank, and the negative balance and debt, on those previous checking accounts was XXXX in bankruptcy court under Chapter XXXX Bankruptcy on XX/XX/XXXX in the United States XXXX XXXX of XXXX  Bankruptcy Court. Wells Fargo Bank informed me that they had adverse and negative bank account information deleted from my XXXX XXXX XXXX XXXX XXXX Consumer Report, and informed me I could open up a checking account as long as I go into a local branch and open up the account and show identification documents. I went into a Wells Fargo Bank Branch on XX/XX/XXXX to open up a checking account. The checking account was opened. On XX/XX/XXXX, I received a phone call from a Wells Fargo Bank Fraud Prevention Specialist informing me that the new checking account ending in XXXX would be closed in 10 business days due to me being a security risk to Wells Fargo Bank because of previous checking accounts I had with Wells Fargo Bank and due to filing Chapter XXXX Bankruptcy, even though the debt from those previous checking accounts was XXXX in bankruptcy court, and Wells Fargo Bank told me I could open a checking account. There has been a lot of miscommunication on Wells Fargo Bank part. Wells Fargo Bank is discriminating against me because of previous checking accounts I had with Wells Fargo Bank, that had a negative balance, debt, and was XXXX in bankruptcy court under Chapter XXXX Bankruptcy, Wells Fargo Bank is discriminating against me because of my XXXX, me being XXXX XXXX  ( XXXX ), and just overall denying me credit and an opportunity to reestablish my credit and build a new and strong relationship with the bank. Wells Fargo Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA )

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 2022-10-13
Company: Experian Information Solutions Inc.
State: MA
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:
When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 2023-03-09
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-12-24
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: Was not notified of investigation status or results

Complaint:
I attempted to make contact with XXXX XXXX XXXX  in XX/XX/2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: D2 Management LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call from XXXX on XXXX20. The woman said her name so fast that I could not understand it. She said my name and I told her that it was me, and then I asked who was calling. She simply asked me to confirm the last 4 of my SSN. I told her that I was not going to provide that information over the phone. I again asked her what the call was in regards to and she would not provide me with that information. She once again asked me to confirm my SSN and I told her no. She then stated " well, then I will take that as affirmation of gainful employment '' and proceeded to hang up on me. Today I received a call again but did not answer the phone. They then proceeded to call my husband on his cellphone and reiterated the same thing. He also refused to give out any of my information and they hung up on him as well. I contacted XXXX XXXX to ensure my information/identity had not been compromised and they stated that they did not see any suspicious activity on my account. I have no unpaid debts. I did look up this number and found multiple complaints of this being a scam. I have filed a report with XXXX XXXX, I have also filed a complaint with the XXXX  as well. If this was a legitimate debt, they would not be harassing/menacing/rude/disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A fraudulent wire occurred on my account. The wire was {$5000.00} and it was not authorized by me, when I noticed the wire I tried to call the bank to verify it wasnt me and for the bank to not go through with it, however it was too late as the scammers were able to confirm with my bank that the wire was me and it was completed without my authorization. I filed a claim and it was denied from chase, theyre reasoning was that I authorized the wire so it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: IN
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. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: WI
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was appointed guardian for a Chase Bank customer on XX/XX/XXXX and have been trying to access funds since that date. Chase Bank did not process my request in a timely manner and my temporary Letters of Guardian expired. When updated Letters were issued by the Court, I again attempted several times to access funds through bank appointments and repeated phone calls. I was told I would receive calls to let me know when I could close the account and never received any calls. Chase Bank assured me that I would be able to close the account, which has been vulnerable to exploitation prior to my appointment. My ward 's nursing home is now THREATENING EVICTION due to nonpayment. I have attempted to explain the urgency of the situation to Chase Bank and have had no response or assistance. When I requested to speak with the branch manager, XXXX XXXX, I was told he was in a meeting. I was not offered a call back from the manager. 
A banking appointment was granted by Chase Bank for today, XX/XX/, but was cancelled this morning without explanation. My Letters of Guardian are set to expire again on Monday, XX/XX/. I will have to wait another week for the Court to issue updated Letters and then another week for Chase Bank to set an appointment, then attempt the whole process for the third time. I was told that there was only one person who could assist me and they were on vacation. No other options for assistance was offered. 
I have now been attempting to access funds for THREE MONTHS. I have been ordered by the Court to act as Guardian and Chase Bank is withholding necessary funds to pay for my ward 's living expenses. I am unable to purchase clothing, toiletries or other comfort items for my ward  and she should not have to wait this long. Chase Bank should help it's most vulnerable customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Dear Sir/Madam, I am writing to express my utmost disappointment and anger regarding the illegal practices of the credit bureaus. As per 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 # Acct # XXXX -tracking # XXXX XXXX XXXX -ACCT # XXXXXXXX tracking # XXXX XXXX XXXX XXXX  -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX ACCT # XXXX tracking # XXXX XXXX XXXXXXXX -ACCT # XXXX XXXX XXXX -ACCT # XXXX tracking # XXXXXXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX # XXXX have all infringed upon my rights. 

I want to highlight the following sections of the 15 U.S.C 1681 Act that the credit bureaus have violated : Section 602 A states that I have the right to privacy. 
Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Section 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Section 1681s-2 ( A ) ( 1 ) states that 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. 
I have attached proof of the letters I have sent out to the bureaus for your records. 

I would like to request that you take immediate action to rectify this situation and ensure that my rights as a consumer are protected. I trust that you will take the necessary steps to address this matter in a timely and efficient manner. 

Thank you for your attention to this matter.

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 2020-02-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.

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