BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Between the dates of XX/XX/XXXX and XX/XX/XXXX, my Wells Fargo account/ accounts was closed making it impossible to pay the following : my XXXX XXXX credit card payment, my student loan dispersion totaling XXXX per disbursement I had XXXX dollars already sitting in checking account I could not pay XXXX payday loan amount XXXX due to account closer Deposited money orders in amount of XXXX was froze was told it was fake when they werent I was in rolled in a identity theft affinion product with out my consent as a result of All of this I became homeless could not pay because my money was froze I failed to pay my tuition disbursements stopping me from continuing college that year Im seeking damages XXXX dollars for damages and for pain and grief I would like to resolve this with them before legal action is taken

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 2023-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went into chase to open a new prepaid debit card, due to a finn account I had with them being compromised. There was One or two fraudulent charges, totalling around 70 dollars on my account. They opened a prepaid debit for me, while I attempted to work out the other account. When I went to use the prepaid card, it declined..despite a positive balance. Subsequently, I went in the branch and Chase Informed me that they were no longer going to maintain any banking relationship with me. Moreover, they informed me that they have no obligation to inform me as to the reason they closed my accounts. I believe consumers have a right to know why an institution would stop doing business with someone who is a victim of a serious crime, while also making no mention of the amount in dispute. This Took place in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was " Assisted '' by a branch manager and telephone support. I have heard nothing in regards to resolving my disputed charge and I also have believe I have a right to know why they terminated the relationship, I believe this is wholly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: CA
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} ; XXXX  XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: CITIBANK, N.A.
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:
Everything is listed in the image I took below XX/XX/2023 XXXX XXXX ATM withdrawal XX/XX/2023 XXXX XXXX ATM withdrawal I didnt receive any money at all from atm

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report as furnished by TransUnion. On XX/XX/XXXX, I contacted TransUnion to dispute certain entries, and to date, I have not received a response. This raises significant concerns, and I am seeking your assistance in resolving this matter promptly. 
The following are the details of the inaccurate information and the required corrections : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Issue : The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Issue : The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Issue : The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Issue : Verify the account. The reported balance is inaccurate, and the account is closed and charged-off. Mark this account as disputed while I resolve my dispute with the creditor. Also, verify the Date Opened, Date of Status, and First Reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$450.00} Issue : The account is not mine. Please remove it from 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: TN
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 discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
U.S. Bank sent a credit card to collections, under my name and information but I do not recognize the account or any associated charges. This account is fraudulent and needs to be closed and removed from my credit files and consumer reports. 

Below is information sent to me after I attempted to dispute the information. 

Supposedly : Original Creditor : U.S. Bank, N.A. 
Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$540.00} I am completely unaware of how and why this information is on my consumer report and credit reports, when the account was reported fraudulent years ago. This is ruining my credit score and preventing me from various opportunities to grow my personal business and provide for my family.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regarding XXXX XXXX : I viewed my Transunion credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, 2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.

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 2023-11-29
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: Account information incorrect

Complaint:
Regarding XXXX XXXX : I viewed my XXXX credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XX/XX/2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: MD
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 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 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
XXXX. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

RESIDENT VERIFY 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Greetings, my name is XXXX XXXX XXXX XXXX XXXX, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) TransUnion, XXXX, and XXXX under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, 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 2022-06-14
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A 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 2023-06-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute the presence of old addresses on my credit report. I have recently obtained a copy of my credit report and have noticed that several outdated addresses are listed. 

I am concerned that these outdated addresses could be negatively affecting my credit score and could potentially be used for fraudulent purposes. I have not lived at these addresses for several years and request that they be removed from my credit report immediately. 

I understand that the presence of outdated addresses on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and could result in inaccurate reporting. I request that you investigate this matter and remove all outdated addresses from my credit report. 

Please provide me with written confirmation of the removal of these outdated addresses from my credit report. I appreciate your attention to this matter and look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX ll

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 2022-01-06
Company: Lending Club Corp
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
LendingClub Bank Checking account ending in XXXX are frozen on XXXX. Upon requested, I have submitted all the documents along with explanation of the recent deposits/withdraws. 

My client verified with his bank ( XXXX XXXX XXXX ) the checks are cleared with sufficient funds, and LendingClub bank continue kept our funds frozen without proper notice. 

As of XXXX, the contract between my client and our company is in a halt and incurring consequential delay costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 dispute inaccurate information on my credit report that is adversely affecting my creditworthiness. According to my recent credit report, there is a late payment entry on my account, which is inaccurate and misrepresents my credit history. 
I have carefully reviewed my credit report and have identified the following inaccurate information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am a responsible and diligent consumer, and I have consistently made timely payments on all my accounts. The reported late payment is not only erroneous but also severely impacts my XXXX XXXX. As a result, it hinders my ability to qualify for favorable loan terms and opportunities, which is particularly concerning as I am currently seeking to open a new loan 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