BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: VA
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 checked my credit report and saw fraudulent accounts XXXX opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
So, I have asked for method of verification on this XXXX account XXXX and still have not received anything. How can an account that you both are reporting come back as verified and accurate, have two different last active dates? Please help me understand how you verified this account and provide me the payment history. Delete this account as it belongs to my son. it also reports inaccurate after confirming it's been verified as accurate.

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: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with XXXX roughly three weeks ago. I then deposited a paycheck for roughly {$2600.00}, from my employer as well as a direct deposit payment of roughly {$1300.00} from the same employer. They restricted the account, eventually suspending it, then closing it, this is after countless calls each ending with them not able to verify the check, even with the phone number provided on the check, as well as 7 other phone numbers, including the personal phone number and signer of the check XXXX XXXX XXXX. Initially they said they were able to verify it and spoke directly to the accounting department for the company which is named XXXX XXXX XXXX, located in XXXX XXXX, California. This was through a 40 year old phone number which has always been connected with the company, but they said they could not use it the next time I called and continued to withhold the funds. They then closed the account, and said the only way for the funds to be released is if a phone number I provide comes up as verified within their person verification tool, which seems to have limited if any information about actual phone numbers. I escalated several steps up, as well as had the CFO of the company on the phone with me to better understand whats going on. Its 6 weeks of my pay, and am without much needed finances due to this. I read online its a common issue and to file a complaint with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In 2017 I had issues with WELLS FARGO where they SUDDENLY stop accepting my payroll checks through ATMs and opening lines of credit without my permission and charging unnecessary bank fees, just ou of control. THEN the fan hit publicly about their practices. THEY REPORTED NEGATIVE INFO ON ME TO IN XXXX AND IT IS NOW CAUDING ME PROBLEMS IN OPENING FURE ACCOUNTS WITH OTHER BANKING ENTITIES. THEY OWE ME MONEY WAY THEY WAS ROBBING ME IN FEES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act convergent account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 Sent letter to credit reporting agency to update/correct my personal information ( name, address, ect ). I provided proof of my identity and address for this to be completed and it still has not. They are also listing NUMEROUS phone numbers that ARE NOT mine and listing employers that are not current.

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 2023-05-19
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: Account information incorrect

Complaint:
XXXX- {$390.00} Balance On XX/XX/XXXX, I attempted to make a full payment to this account reporting on my credit report in attempt to settle to the account as paid in full. During this call I was told that I would not be able to make a payment due to XXXX no longer own this debt. Which makes the balance on my credit report 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: Bitstamp USA, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited {$52000.00} into bitstamp with the intent of purchasing crypto currency. I submitted their verification on XX/XX/14 and since then my account funds have been locked. I can not buy crypto currency nor can I withdraw my funds. I have done nothing beyond depositing the funds and proceeding with their verification. It has been over a month that this has been going on and I need my funds back. Thank 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-12-07
Company: EQUIFAX, INC.
State: TN
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS XXXX XXXX XXXX XXXX Opened XX/XX/2022 for {$930.00}, XXXX XXXX XXXX XX/XX/2022 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit.

personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Mainly charges for overdraft fees or NSF OD fee for atm and check card transaction that I'm not opted into or enrolled in. I can give more details in phone interview but the latest as of today cost me {$130.00}. 4 NSF fees of {$36.00} each because of Regions paying charges from online debits to my Check card when I have specifically opted out and even asked a representative to place in my account a note that in the event of insufficient fund do not pay and then charge me the od fee as I cant afford it. Yesterday I spoke with the Branch Manager at the local regions in XXXX. GA and XXXX I believe is his name specifically told me he wish he could help but he can't even after I read him the policy saying that if I was not opted in then I would not be charged. I just sat back in his chair and laughed. I have sent emails to regions to no avail. 
Also, if I deposit money it becomes immediately available for me to use but if I do the next day Regions will post debits to overdraft account the charge a fee then post deposit. Even to where you can see a positive balance then a NSF OD FEE to put account in negative so the next transaction causes another of fee.

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 2023-06-22
Company: EQUIFAX, INC.
State: AZ
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:
According to the U.S. 1681c-2 this is my statement that all of of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-06-02
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried several times to dispute the inaccurate information as this accounts not mines. The credit bureau and collection agency have failed to remove the account and have not provided me with any proof that this is my account. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting 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:
XXXX XXXX XXXX inquired XX/XX/XXXX Capital One Auto Finance inquired XX/XX/XXXXXXXX XXXX  XXXX ( 2 Times ) inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX inquired XX/XX/XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXXp inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX and XXXX, 2022, two fraudulent withdrawals from my Chase checking account were made, each of {$500.00}, totalizing a loss of {$1000.00}. I have called Chase customer service on XX/XX/XXXX to dispute the two charges. Customer services informed me that the withdrawals took place in a non-Chase ATM in XXXX XXXX XXXXXXXX. I live in Illinois and I have never been to the state of New York. On XX/XX/XXXX, Chase informed me that their investigation concluded that both transactions were authorized ( see attached document ). After calling customer services again on XX/XX/XXXX, I was informed that this decision was based on the fact that to withdraw the money the person would need the debit card number, its security code and my four-digit pin, and this was a one in a million chance. Based on that, Chase concluded I was at fault. Again, I have never been to the state of New York, I have not withdrawn this money, and I have not authorized anyone to do it. My debit card has never left my possession and I have never shared my pin with anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-24
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank purchased my home mortgage. 
It was a no escrow loan at origination and the original lender did not require flood insurance. 
US bank later acquired the loan and demanded I obtain flood insurance. 
US bank then set up a forced placed escrow that I contested to pay flood insurance. 
US Bank then purchased their own flood insurance at a cost of about 3x the price of my own policy that I was in the process of obtaining anyway. 
I rejected their policy as was my right in favor of my own less expensive policy with he same coverage. 
I believe the policy US bank issued is with their affiliate and US Bank benefited from the transaction financially without disclosing the affiliated relationship to me. 
Despite my securing my own flood insurance US bank refuses to remove the forced placed escrow despite the fact i obtained and maintain a fully paid annual flood policy. 
US bank has permanently raised my monthly mortgage payment by hundreds of dollars per month against the terms of the note I signed. 
US Bank alleges I am in default and have threatened foreclosure, and have instituted aggressive collection action against me. 
I have paid my payments timely every month since inception of this loan based on the amount of the note and mortgage. 
US Bank has not used best practices in dealing with me as their customer and has set up a self serving " suspense '' account to hold my timely mortgage payments and deem them late each month due to what they call a " shortage ''. 
US bank is charging me late payment penalties and penalty interest on the fictional payment that they contrived that I refuse to pay. 
US bank is reporting to credit agencies that I am in default of my mortgage adversely affecting my credit rating despite my timely payments. 

I have exhausted all reasonable attempts to resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: FORD MOTOR CREDIT CO.
State: NY
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX FRD MOTOR CR XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX inquiries from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX As hard inquiries on my credit report that I have no knowledge of as well as XXXX XXXX inquiries from XX/XX/XXXX and XX/XX/XXXX 2020

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