BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX am verifying my identity. That what you receive is from me. My ID is enough to verify me in every response I give you.

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: CITIZENS FINANCIAL GROUP, 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:
When I made a complaint ( id : XXXX ) on CFPB regarding unauthorized hard inquiry to XXXX. In response XXXX said, " CITIZENS BANK INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. '' -- - I cooperated with Citizens Bank. Communication started from XX/XX/2023 till XX/XX/2023. 
On XX/XX/2023 | talking to ( XXXX ) XXXX | at XXXXXXXX XXXX | for XXXX XXXX, the representative on phone call upon communicating with Citizens Bank backend team denies to remove it. He says I can't record his denial on phone, he will not email/mail in written the reason behind their denial to remove the unauthorized hard inquiry. When I asked what is the reason all he said was, " I am sorry I don't know. '' I have already provided information and requested documents to XXXX on Thu, XX/XX/XXXX, XXXX from XXXX. 

What else can I do to get this unauthorized thing removed from my credit report? 
-- - Previous CFPB Complaint ID : XXXX XXXX Dispute ID : XXXX Citizens Bank Case Number : XXXX, XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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.

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: In progress
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX XXXX  ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX  and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.

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 2022-03-21
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022. I went to check my bank account amount on the Wells Fargo App to see that there were two online transfers I did not make. These online transfers went to an account that was not mine. The first transfer was {$300.00} and the second was {$1000.00}. I instantly called Wells Fargo Fraud Department. to submit a fraudulent claim. They told me it would take 10 days of the investigation until I receive a reimbursement. After 10 days and still no reimbursement, I called Wells Fargo Fraud Department again. They told me they were sorry that my claim was submitted to the wrong department. They then told me they filed a new claim to the right department. The claim number is XXXX. They closed my savings account that which the money was taken from. They told me it would be another ten days of investigation. After ten days again, I still had no reimbursement for fraud on my Wells Fargo bank account.

I called again. They told me they tracked the two transactions to Illinois. Not only have I never been to Illinois, but I know no one who lives in Illinois. They told me that someone requested a new debit card to Illinois under my name and it was mailed there. I never did that. My address with Wells Fargo is a Hawaii address where I am living. I have had the only debit card I use with me this whole time in Hawaii. I also do not understand why I was not informed anywhere that a new debit card was being mailed to Illinois under my name. Or, how Wells Fargo approved a debit card to be sent to a new address that was not on file under my name. I explained to them all of this and how I have never been to Illinois and no one who lives there. They told me the investigation was still going on despite the fact that it was obviously fraudulent. 

A few days later I called again and they told me the claim has been denied. They would not tell me why. I have been calling ever since. They transfer me all the time. Many representatives tell me it is truly fraudulent. They never gave me a reason why my obvious fraudulent claim was denied. They told me they would reopen my claim and re-evaluate it. I have talked to numerous Wells Fargo representatives. I even had one apologize for all the inconvenience and promised me my funds would return in 48 hours. That did not happen. When I called today, XX/XX/2022, all they could tell me was that they were going to reevaluate the claim again. It has been passed a month since when my money was stolen and Wells Fargo has not only not reimbursed me, but has been treating me nothing but horribly. I am ready to involve others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Franklin Collection Service, 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:
Hello. I have an OPEN negative account on my credit report that I am unaware about showing on XXXX and XXXX. I am not responsible for this collection on my credit report. Before I continue, the creditor information is Franklin Collection. The original creditor that is showing is XXXX XXXX XXXX The balance for this account is {$190.00}. Now, this account was deleted from my credit file from last year 2022. I called my credit bureaus and disputed this same exact account last year and the results came back to be verified as erroneous and the collection was deleted from my credit file. XXXX and XXXX should have this on file that this account was once deleted before. In my very own investigation, the first company that added this same collection on my credit report was XXXX XXXX XXXX. Now, the new company that is in charge of this same collection is Franklin Collection. I did not authorize a 3rd party debt collection agency to place this debt that does not belong to me on my credit report. Under the Fair Credit Reporting Act, it is against the law for collection agencies to report debt that they know is inaccurate. Based upon laws and regulations of the FCRA, The Fair Credit Reporting Act promotes accuracy, fairness, and the protection of personal information gathered by Credit Reporting Agencies and regulates access to consumer credit report records. I need to have this account blocked and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
JPMCB CARD Bank cards XXXX XXXX XXXX XXXX De XXXX XXXX filed an inquiry on my report that I did not authorize on XX/XX/2021 when I canceled my card. I did not give permission to have my credit pulled. I therefore closed the account and was told I had a XXXX balance. I later found out the marked me with a late payment through XXXX, XXXX, and XXXX. this informations is false. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent a written request to the National Consumer Telecommunications and Utility Exchange , Inc. asking for my consumer report and numerical score, as allowed under the FCRA. 
On XX/XX/XXXX I received XXXX letters from the NCTUE. XXXX contained my report ( Conf # XXXX ) ( which had errors, but has since been corrected ) ; the other ( Conf # XXXX ) did not contain my requested numerical score, but instead a letter claiming, Based on the contents of your NCTUE data report as of XX/XX/XXXX, your score is unavailable. In order to calculate a score, the NCTUE data report must contain at least XXXX account showing an update in the last XXXX months. 
I found this odd, as the very NCTUE consumer report they mailed the very same day as the denial letter included an account that had been updated numerous times within the past XXXX months. So. 
On XX/XX/XXXX, I again mailed NCTUE a letter requesting my numerical score. I included a highlighted copy of the consumer report they issued ( which clearly indicated my monthly power bill amount as well as my monthly payment for each of the XXXX previous months. ) More than simply sending highlighted copies, I also wrote in great detail a note explaining how theyd made a mistake. 
Today, I received a response dated XX/XX/XXXX with a confirmation number XXXX. It AGAIN claimis I have no score because my account reflects no activity within the past XXXX months. No mention of my letter, no explanation why theyre ignoring my actively reporting utility bill, just another ( wrong ) denial letter. 
NCTUE included no contact number. Every one I find online leads to an automated system that makes it impossible to address my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A 14 year-old debt attempted to be collected upon. I did at one time have an account with one of the companies he'd mentioned ; However, it's been settled for over a decade. It doesn't even show on my credit report any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid 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:
I applied for a Capital One credit card approximately two weeks ago. Upon receipt of my credit card I download the capital one application and tried to access my card and it was restricted. I called in and a representative at Capital One said that they could not fix it. Theyve gotten my banking information, run my credit and I now have an inquiry on my credit report and Ive sent them all the verification that they would need. When calling back about the issue after staying on the phone two hours they said they would call me back in another two weeks and they may or may not have the problem fixed. At this point Ive waited a month to be able to use my credit card! The customer service is horrible. I dont want to cancel the card because my credit score has already been affected. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Really high interest rate

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: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had a home loan with Wells Fargo Bank my House payments went way up. They said I did have enough in my escrow to pay which wasnt true. House payment was XXXX a month. Then Wells Fargo messed with my home loan and it shot my payment to XXXX a month. Had to foreclose on my home payment was out of my reach at that time. This was the year of 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 2023-08-15
Company: Experian Information Solutions Inc.
State: NC
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 am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-04
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a refund from my loan provider, Nelnet, around XXXX XXXX  XXXX for the payments I made during the pandemic ( which totaled to about {$9000.00} ). I checked my account in XX/XX/XXXX and the balance on my loans was back to the original amount from before the pandemic. I called Nelnet around XXXX XXXX  XXXX and was told that the refund was still processing and would take a long time to receive the check. I called again in XX/XX/XXXX and they told me I was misinformed before and that my check was actually issued in XX/XX/XXXX. So they said they would reissue the refund check, but couldn't tell me how long I'd be waiting before receiving anything. It has been almost a year since requesting and I'm getting different stories from them. I'm not sure where my money is or if they've actually issued the refund, but this has been extremely frustrating and disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Credit Control, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving a letter from Credit Control , LLC and they keep asking me to pay an alleged debt that I have no information or recollection of. This information is hurting my credit report and is false and misleading. 
According to 15 USC 1692e False or misleading representations a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This debt is not validated after multiple validation requests.

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: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On, XX/XX/XXXX, the Wells Fargo 's Executive Office Case Specialist, XXXX XXXX, at ( XXXX ) XXXX, received my Telephone Call for Identity Confirmation as requested on XX/XX/XXXX, ( citing, in Case No : XXXX ). 

After verification, he assigned me a new case number and informed that the Case, now, is being assigned to a new case worker who shall contact me in two business days. Further, he confirmed my Address, including Email and Telephone Number, respectively, at-law. 

Shortly, after our meeting, I received an Acknowledgement Email from Wells Fargo Online by and through The XXXX XXXX XXXX XXXX ( XXXX  ) with a ten business days elongated to issue the Response. 

On, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote an Email to me exactly depicting the same Identity Confirmation Letter by XXXX XXXX Whose Act and Conduct totally denied my Identity as verified to the New Case Number, ( citing, in, Case No : XXXX ) which she wrote an Email to me as stated above.

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 2023-08-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made an account with Chase Bank, and Have an agreement with chase that there would be a XXXX bonus credit put into the account upon a direct deposit being entered In to the account! On XXXX XXXX my check which qualified and triggered the XXXX bonus offer was added to the account via direct deposit totaling XXXX direct deposit, flaked to personal bank XXXX, and manager as well as the marketing team which was unable to add the bonus in the account within a XXXX day time frame as the app discussed XXXX manager and marketing team admitted via live recorded phone call that I qualify for the credit and that it will be there on Tuesday instead of today or tomorrow? Phone call was on Friday XXXX XXXX at XXXX with manager!

Company response to consumer: Closed with explanation