BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I woke up on XX/XX/2021 to check my account for my direct deposit only to find that I couldnt log in because it says it has been closed. They say my money will be sent to me within 30days but others whove had the same happen to them recommended to file with CFPB because of delays and attempts to not return money. They closed my account with almost no Pre warning or explanation. Im filing to ensure that all of my money is returned to me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX. I work for a XXXX XXXX XXXX  with no retirement plan. 

In XXXX XXXX  opened an online IRA account at TIAA-CREF. After a few trial debits, {$1000.00} was ACH debited from my checking account XXXX at XXXX XXXX to fund my retirement IRA. The debit was performed XXXX electronically. 

They mailed my deposit to me and denied opening my account in XX/XX/2022 for unknown reasons. 

I mailed the undeposited check of my funds BACK TO THEM VIA FIRST CLASS USPS along with proof of my address and identity. 

As of today, XX/XX/2022, my online account at TIAA CREF shows a XXXX dollar balance. It seems maybe TIAA CREF has lost their own check, and in the process, the {$1000.00} they took from me to set up my IRA. Please investigate and correct ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I responded to an offer for a Wells Fargo Cashwise Visa Card. They opened the account. I was to receive XXXX bonus points ( {$200.00} ) after I made {$1000.00} in purchases within the first three months.

The offer clearly states : " 1. To qualify for the {$200.00} Cash Rewards Bonus, a total of at least {$1000.00} in net purchases ( purchases minus returns/credits ) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1 - 2 billing periods after they are earned. '' THIS IS A CUT AND PASTE FROM WELLS FARGO 'S WEB SITE MAKING THE OFFER. 

I completed the {$1000.00} in purchases on XX/XX/2018. The statement period ended on XX/XX/XXXX. Another statement period ended on XX/XX/XXXX. Another statement period should have ended around XX/XX/XXXX. There is no statement on their website as of XX/XX/XXXX but the account has a XXXX balance so there may be no statement generated. In any case, it's been three statement periods and the points have not been awarded. Their website shows that the bonus points expire on XX/XX/XXXX. 

I have a screen shot from their account web page that clearly shows : " Congratulations! You have a pending bonus since you have met the total Net Purchases spend as of today. '' In that pop-up screen, it also says the points will be awarded 1-2 billing cycles after the offer expires. But, that is not what the terms were in the offer. The same screen also shows that the points expire on XX/XX/XXXX. 

It appears as though Wells Fargo intends to expire the points before they make them available to redeem. Even if that is not the case, they have failed to make them redeemable within 1-2 statement cycles as advertised. I paid my propane bill on that card yesterday. I intend to pay that charge in part with those points. However, I have no confidence that Wells Fargo intends to perform on their offer. 

I have made several calls to Well Fargo and gotten several different answers. I have a recording from today where their second level supervisor says " yes the points should have been awarded already '' and then offers to open an investigation. I opted to be escalated to his supervisor who is supposedly " executive level. '' I doubt that, however, that person also wants to open an investigation. Whatever investigating needs to be done, should have been done after one of my previous calls. Clearly, when Wells Fargo investigates Wells Fargo, Wells Fargo finds that Wells Fargo has done nothing wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I sent a letter on XX/XX/2022 to the 3 Credit Bureaus : XXXX, XXXX and Transunion. The letter was sent via USPS Certified mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties.

These are clear violations of my federally protected consumer rights.

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft 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 2022-06-03
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1300.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00}, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$4200.00} ), XXXX - XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3800.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$7100.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
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:
Hello I sent a letter on XX/XX/2022 to the 3 Credit Bureaus : XXXX, Equifax and XXXX. The letter was sent via USPS Certified mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties. 

These are clear violations of my federally protected consumer rights. 

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX  Account # 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 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 2018-09-04
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As a continuation from my other complaint, incorporated herein ... 
US Bank is sending a fake name person in response and not addressing the issues presented. Request for documentation of merchant that sold products or services that conflicts or affirms that I was not duped on products/services sold to me are not being addressed. 

Reason for denying my FCBA dispute when no response from merchant is admission of the claim against him are not being addressed. 

Additional information, albeit it should not have been needed, has been supplied that affirms what I was supposed to receive and did not after a long drag out by the merchant and attempt to bait and switch me to other products/services in place of what was purchased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NJ
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:
These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Also please see uploaded documentation.

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 2019-01-16
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Hunter Warfield and advised them that I am unaware why they are reporting on my credit file. I was advised that I am being charged for accelerated rent for XX/XX/2014. I advised them that I need them to send proof of why they are trying to collect wrongfully unauthorized charges. They sent me a copy of a lease that was completely falsified. I called them back and told them I never seen that lease and the dates of the lease are incorrect and the charges in the ledger are not accurate. I previously had a dispute with that creditor many years ago for wrongfully reporting made up charges which resulted in deletion off rental history. They advised that they will not remove the reporting unless it is verified inaccurate by leasing company. I asked what if they stand by their false charges and no one had anything to say. I pleaded with them to remove reporting until this is resolved as this is the only negative thing on my credit and it is hurting me drastically and unfair to have a reporting that is not true reporting on my credit. They refused to remove reporting. I think it this is very unfair. They have not verified the legality of this charges so why are they reporting a collection account on my account? I never even lived at that place during those dates. These charges are fraudulent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXXXXXX XXXX XXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, XXXX XXXX  ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, 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 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 2021-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account : XXXX In Wells Fargos response, the company is blatantly dishonest in its assertion that the unapplied funds were applied towards the escrow account. An examination of the mortgage statements that Ive attached with the previous complaint indicates that the unapplied payments served as recorded overpayments and they remained unapplied towards my escrow account or the mortgage balance. I would like Wells Fargo to point out where in any of its mortgage statements that indicates that these overpayments were indeed applied towards my mortgage balance, escrow account, or refunded to me. Wells Fargo is unable to do so because, based on Wells Fargos own mortgage statements, these overpayments were essentially UNAPPLIED and kept by the bank as additional profit. This is tantamount to highway robbery in broad daylight, goliathan bank taking advantage of the puny and defenseless consumer. I would like a refund of the overpayment of {$12000.00} as described in my first complaint.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 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 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 2022-12-25
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a mobile deposit on XX/XX/2022 and it was for {$2000.00} from a XXXX XXXXXXXX  XXXX  I signed up for online. I was told it would be available on the XXXX  and when I went to check my account to see how much money I had available not including the deposit I made, my account was locked online and I have had no access to my direct deposit from social security or any other money. I went in person on XX/XX/XXXX to the XXXX XXXX XXXX Key bank XXXXXXXX and sat down with the Bank manager and she verified my identity and took copies of everything that I had for the mobile deposit I made. I have been locked out of my account for almost two weeks now. The bank manager told me since I went in there and showed ID in person it would expedite the process. I have called several times since I went in and they have no information and said I have to go into the XXXX XXXX branch in person because they are the only ones who can un freeze my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/2021 I mailed letters disputing inaccurate or unknown things on my credit report.I feel like I am being taken advantage of and ignored on my disputes. Section 611 a of the fair credit reporting states that a failure to remove items within thirty days of an actual dispute without verifying the information or notifying the dispute holder is against its by laws. original documents have not been shown as request to verify negative accounts one my report such as the original contracts I allegedly signed. Stating these facts these inaccurate items on my credit report should be deleted immediately off my report, or I will file litigation based off the sever stress and damage this has cause me. I would liked for it also to be noted that my report has been compromised from the data breach caused by XXXX, and my personal information may have gotten in the hands of the wrong persons.

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 2023-05-09
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:
This is my FURTHER request that I dispute particular records on my credit file that do not belong to me, that I have signed any agreement, or that I have been the victim of identity theft and that no one appears to care. The data I'm disputing has nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. The following INCORRECT ADDRESSES should be removed. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA 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 2021-10-28
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER CONSUMER USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation