BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Thursday XX/XX/2022 we noticed that our account had been accessed by someone we do not know and did not authorize and we had XXXX dollars in our checking and savings account. Our account was accessed and {$2100.00} was transferred from our savings account into our checking account and a total of {$3300.00} was unauthorizedly spent from our account via 102 XXXX XXXX transactions. The transactions do not say where they went or how they were done. A call was placed to Wells Fargo fraud department immediately and we submitted a claim and had our online banking access suspended and our debit card cancelled. On that night we asked for our bank account to be closed which it was not we found out on XX/XX/XXXX when we physically went into the Wells Fargo branch. On XX/XX/XXXX our account was frozen. XX/XX/XXXX was a Friday and our check had been deposited via direct deposit, because of the unauthorized transactions I was only able to {$2800.00} of the {$3000.00} amount of the check we were supposed to get. On XX/XX/XXXX we received a check for {$3300.00} with a letter stating Wells Fargo is temporarily crediting us with the amount stolen from us. Every week since XX/XX/XXXX we have called to seek updates on our claim, we call multiple times a week and we receive the same answer, that our investigation is still pending. The most recent call to Wells Fargo was on XX/XX/XXXX. The money that was stolen from us was for our mortgage payment due XX/XX/XXXX and money in our savings for emergencies. This was our money that was stolen and Wells Fargo has not resolved our case approving our claim so therefore we can not guarantee that the money the temporarily credited is for us to use to pay bills.

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 2022-02-10
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm unaware of this debt and did not have the opportunity to dispute this account XXXX XXXX XXXX XXXX # XXXX! They should have provided me with proper notification about this account for before they placed it on my credit report! 

If XXXX XXXX XXXX XXXX has provided this information, please provide the CERTIFIED MAIL RECEIPT WITH MY SIGNATURE, DATE AND TIME supporting I received proper notification as required! 

I had Excellent Credit Score XXXX plus! I was in the process of buying a house this account appeared on my credit report! PLEASE REMOVE AND ASAP OR I WILL TAKE LEGAL ACTION!!! As XXXX XXXX XXXX  are in violation!!!

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 2023-10-03
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Was contacted previously by this company claiming they would come to my job and arrest me if I didnt answer. Fast forward few days later and I receive a charge on my debit card for {$210.00} charged by a company that doesnt even exist after looking them up. I received an email of the charge amount and that they want to put installments on to my card for over {$100.00} a month. I closed my debit card and put a fraud alert on my credit reports because their voicemail revealed that they had my social security and debit card info. I filed this dispute with my bank and they have done nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On Friday, XX/XX/XXXX at approximately XXXX ET, I attempted to make an excess payment to my credit card issued by Chase Bank to be applied to my balance transfer that has a promotion that is set to expire on XX/XX/XXXX. The issuer, Chase Bank, stated that I could not do that because I have other current balances on my credit card account that has a currently higher interest rate that they must apply the majority of the excess payment to. I then inquired on how they could deny this as the Credit Card Accountability Responsibility and Disclosure Act of 2009, Section 164 ( Prompt and Fair crediting of payments ) ( B ) ( 2 ) made available from the ftc 's website at XXXX : XXXX states : " CLARIFICATION RELATING TO CERTAIN DEFERRED INTEREST ARRANGEMENTS.A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which interest is deferred. '' I asked the representative I spoke with if the balance transfer on my card that has the 0 % promotional APR set to expire on XX/XX/XXXX will have previous unapplied ( deferred ) interest not collected added after the promotional period ends, and the customer service representative confirmed that it will. I asked if this balance transfer amount is considered a deferred interest balance per the Bank 's definition and understanding and the customer service representative confirmed that it is. The customer service representative also stated that the only way I would not incur the total deferred interest on the balance transfer amount is if I pay the credit card in full before XX/XX/XXXX. I am seeking assistance with having this issue rectified if they are circumventing or breaking the law or if we're not understanding how they are not breaking the law, we'd like understanding of this. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
All I can really say is that I am on check systems for fraud that I dont know anything about Ive been on check systems for 12 years and unable to open a bank account. Is it been a great deal of a problem for me cause me many problems I need help I need to be able to open a bank account so I can have a business and move my life on someone please help me, I am a good man a hard-working person and I should be able to have a bank account without some Fraud that I had nothing to do is causing me problems for 12 years

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 2018-08-13
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Tuesday, XX/XX/2018 phone calls were made to multiple family and associates from XXXX AKA XXXX XXXX from JPL Recovery Solutions. This same individual left messages on both my cell and work phone number. 

On Tuesday, XX/XX/2018 at approximately XXXX XXXX PST, I returned call and left message I was not to be contacted again at my work phone. 

Between XXXX XXXX PST and XXXX XXXX PST he called my work line and employer 3 separate times. I returned the call at approximately XXXX XXXX  and spoke directly to agent representing himself as XXXX XXXX. I advised I had left a message the previous day I was NOT to be contacted at my place of employment. From there he demanded I tell him by XXXX XXXX  Eastern time how I was going to resolve my debt or he will attach my wages through XXXX XXXX of California. I asked for written verification of debt and said he would email it to me. Still have not received USPS written correspondence from agency. I advised he could not attach my wages without a judgement and not to threaten me. He said he wasn't threatening me, I repeated twice more to quit threatening me. I ended the conversation by stating " Good Day ''.  He immediately called my cell phone back and 3 more times my work phone. He has left intimidating messages from my over age daughters, elderly mother - in - law. Again today he calling my work phone and left a message for my mother. He left a collection type message on a telephone number I am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called Barclay 's in early XXXX to increase my credit line on my card. They increased it to {$10000.00}, I enrolled in the 0 % APR until XX/XX/XXXX at this time. When I received my XX/XX/XXXX Statement it doesn't show on the bottom that I owe {$1500.00} at 0 % APR like other credit card statements that I've had in the past. So I called Barclay 's and the agent said that the offer is not activated on the account and they couldn't back date the offer to be placed on my account. I told her that I wouldn't have took a hit on my credit bureau to increase my credit line if I didn't activate the offer. She said her hands were tied. So on XXXX I made the full payment so I don't have to pay interest on the account. Today, XX/XX/XXXX I receive an email ( attached ) that my 0 % offer is still active. When I phoned into to confirm the first rep stated I didn't have this offer on my account, I asked to speak to a supervisor, when she pulled up my profile she said she sees the offer and it expires on XX/XX/XXXX. I asked her where on my XXXX statements does it show that the {$1500.00} was at 0 % she said it wouldn't show, I will have to call in to see when the APR expires. So now I paid the {$1500.00} in advance and lost out on using the promo. I think this is an error on how Barclay 's statements and how their agents are trained how to see offers on customer 's profiles. I asked for a refund of my {$1500.00} payments so I can break the payment until XX/XX/XXXX they said no they can not. They literally advertised and offer and didn't provide proper documentation for me to understand my payments.

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 2022-03-09
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
GM Financial was given a copy of the attached Police report, my drivers license etc. along with a request to investigate and remove the inquiries that were created by them on all 3 bureaus from some one attempting to purchase a car in my name. I have a fraud alert on my bureau and thankfully no car was purchased. However, this company shopped my info all over the place resulting in a dramatic drop in my XXXX  score from too many inquires. I have asked them to remove them. They send me the generic response back they were shopping credit for me. No they weren't I have told them I was never at XXXX  XXXX XXXX, never applied for credit etc. So, they are not willing to accept this and remove these inquires. I had 84 inquiries between the 3 bureaus in a 2 day period. XXXX!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
According to the FCRA 15 U.S. code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account attached XXXX XXXX XXXX is reporting several inaccuracies which violates my rights as a consumer. 

This account is inaccurately reporting " dates opened '' as XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and Equifax. 
This account also is inaccurately reporting " last reported '' as XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on Equifax. 
This account is also inaccurately reporting " date of last payment '' as XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on Equifax. 

As stated before, these are numerous inaccuracies that violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Bread Financial Holdings, Inc.
State: AL
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:
Every time when I try to build available credit on my dental finance account. They take credit away from me now I only have {$75.00} available credit which I can't use for dental services. This is causing me mental distress which I shouldn't have to go through. I had {$200.00} available credit now it has been taken from me. It seems to me they don't want me to use my account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Conn's, 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:
15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 A section 2 : it also states a consumer reporting can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

In accordance with the fair credit reporting act convergent acount # 12345, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-10-03
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX and 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 2023-05-03
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist 15 U.S. Code 1681i - Procedure in case of disputed accuracy Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: KY
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 FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: LA
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 ask the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. The accounts below all have inaccurate reporting dates and amounts between the bureaus. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$500.00} ( THIS IS A FRAUD ACCT & I ALSO REACHED OUT TO COMPANY THEY SAID THEY HAVE NO RECORD OF ME OPENING ACCT BUT YET IT IS STILL ON MY CREDIT ) In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. ACCT NAME : XXXX XXXXACCT # XXXX AMOUNT {$400.00} In Accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Fay Servicing, LLC
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:
Response from lender requests account information which I dont have access to & it states above not to include the information here. How can I resolve this?

Company response to consumer: Closed with explanation