BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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:
I have been a victim of identity theft since XXXX when my wallwt wasstolen from me. inside was all my personal information such as my CA identification card my social security card my children 's social security card. My banking information. My homeless certification etc. I was currently homeless when this account was fradulently opened XX/XX/2018. I Informed all 3 credit reporting agencies of my idenity theft circumstances and requested that they place a fraud alert on my credit profile as well as a personal statement indicating my identity has been stolen and to PLEASE verify my identity before issusing out credit. I have disputed this matter with EXPERIAN CREDIT AGENCY. They have not followed the law because this personal ststement was added to this credit report profile on XX/XX/2018. This account in the amount of {$9800.00} from XXXX XXXX XXXX  on my credit file NEEDS TO REMOVE IMMEDIATELY. There has been a police report filed and the temporary tracking number is XXXX. I have mailed a direct disput to this company as well as EXPERIAN including my identity theft report and affidavit and a copy of another creditor that finished their investigation and requested their account be removed due to fraud. Please contact them XXXX XXXX XXXX  AND REQUEST THEY DELETE THIS ACCOUNT FROM MY EXPERIAN CREDIT FILE.

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 2022-11-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This company continues to call me on a daily basis. At least once daily and often twice a day. I have sent notice that it is not my debt and they say they have verified.

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 2023-05-29
Company: Experian Information Solutions 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. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 this item 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 2022-11-17
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Under the leadership of the Consumer Financial Protection Bureau ( CFPB ) s newest director, XXXX XXXX, the agency is trying to radically reshape the American financial services sector by breaking time-tested bipartisan norms and skirting the agencys legal authority.

By attempting to change rules without accountability, the CFPB is creating uncertainty that will harm consumers by causing financial companies to adjust the types of mortgages, car loans, and personal credit they can offer. 

XXXX M & T Security Attacked my Service Animal on XX/XX/2022, We are both Terminally Ill, also the bank constantly has people outside who use drugs and the building is covered in Graffiti/Or XXXX Related Public Statement Caused by Other Problems I am willing to resolve. 

However I ask that the bank operates only for vegetarians leading to vegans so better represent the XXXX XXXX. 

Please take more steps to eliminate hardships and recognize celebrities when they visit the premises.

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 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the 3 credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to XXXX, XXXX XXXX TransUnion. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both XXXX and XXXX. Below is what was listed on the letters that were sent to me XXXX = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

XXXX Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

Transunion As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.

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 2023-02-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I the consumer and natural person was denied credit by American Express when I applied for the Business Credit Card. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1619c and is pursuant to civil liability under 15 USC 1692k. You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by American Express due to the response I recieved. American Express is in violation of 15 US Code 1642, USC 1681m, and 12 CFR 1002 because I the consumer did an application in good faith, yet credit was not issued. Furthermore, because my credit card ( SSN ) was used and I received NO benefit, this is proof of fraudulent activity ( unauhtorized use of credit card ) on behalf of American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Personal information incorrect

Complaint:
I disputed wrong addresses that I have not lived at and that are not mine with Experian but they refused to delete them, and put me at risk of Identity Fraud. Per the XXXX XXXX XXXX XXXX, this innacurate information is damaging my credit, my name, and my reputation. 

My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX. 

So remove the following addresses : XXXX XXXX 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 2022-11-17
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Any balances owed are not owed by XXXX XXXX. Upon the return of my phone my number was sold. Then a year later Its stated that I owe a balance on an account that I made good a year prior. Who ever sprint immediately sold my number too acted as if they were me illegally.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 
XXXX : XXXX XXXX : XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any 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 explanation
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank abruptly closed XXXX new checking accounts that I opened in XXXX. They blocked XXXX incoming deposits and then partially funded checks I wrote on the account and blocked others from going through. 

They blocked my on-line access and gave me no reason for the block. 

They blocked access to a credit card also issued by Chase and I have been unable to make payments. 

A payroll check was deposited, and I can not receive the funds from that payroll check. 

I do not see any justification for these actions. No transfer or other transaction was fraudulent and the lack of communication from the company is frustrating. 

This situation has existed for over XXXX  months and XXXX credit card payments have been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-02-24
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: EASTERN BANKSHARES INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an incident with Eastern Bank - XXXX XXXX - XXXX ( XXXX ) in XXXX XXXX, MA on XX/XX/XXXX. I deposited {$200.00} in cash. The next day, I got the confirmation email of my deposit and it said, {$180.00} was deposited. My RECEIPT said {$200.00}. I immediately went to the bank and the bank manager wasn't very helpful or apologetic. She went up to a bank teller and proceeded to speak to her in XXXX, even thought both of them know how to speak English. That's so unprofessional. And also makes the assumption that because I'm XXXX, that I don't speak XXXX. And the teller said in XXXX that it was {$180.00} as well. And the manager didn't apologize and was defensive, " People make mistakes. '' So I went to Eastern Bank in XXXX XXXX and I asked them to look into it. They told me that it was Teller XXXX and that my deposit slip was tampered with and altered to read {$180.00}, ten minutes after I left the bank on the XXXX. Later on the XXXX, I got a call from the manager of XXXX XXXX and they credited my account. But whatever happened, this is criminal and this needs to be investigated. As well as the unprofessional behavior of the manager. -- UPDATE : I heard from a XXXX XXXX from the problem resolution specialist. We exchanged a few emails regarding the issue, and then she said she had to speak with me on the phone to validate my account. I avoid speaking on the phone, because of the lack of a paper trail. That's when she proceeded to tell me that the deposit slip was written out for {$280.00} and that I told them to change it to {$180.00}! I did NO such thing! I asked her for a copy of the deposit slip and it's CLEARLY forged! If any changes were supposed to be made, I would have had to initial or make out a new slip, etc. But that didn't happen, because the teller made the changes after I left the bank! Then I received a letter from Eastern Bank saying that I made a cash deposit of {$180.00}. And said that the cash deposit of {$100.00} was incorrect!!!!! Didn't mention anything about the deposit slip being forged to read {$280.00} and then {$180.00}! SEE ATTACHED photos of the doctored deposit slip. You can CLEARLY see that I DO NOT write my 8 's or 1 's the way it is written! It's not my handwriting! Too late for Eastern Bank to back-pedal on that one! Photographic proof! I also filed a police 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 explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: KS
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 filed a dispute as to the incorrect items on my credit report with Experian, XXXX, and XXXX, and it has been well over 30 days and I have not received any investigation results! 
According to the law XXXX XXXX XXXX XXXXProcedure in case of accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputedinformation, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period begining on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-10-30
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Unexpected or other fees

Complaint:
Complaint to Wise Payments Limited and XXXX XX/XX/23 I purchased a debit card from Wise and paid a fee of {$9.00} using my XXXX  credit card. XXXX charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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