BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
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: Their investigation did not fix an error on your report

Complaint:
Upon the investigation of these accounts the company EXPERIAN, XXXX, XXXX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] 1- XXXXXXXX XXXX XXXX XXXX 2- XXXX XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- 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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. 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 2023-04-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX23 a legal order debt by XXXX XXXX XXXX XXXX XXXX froze my account and withdrew {$660.00}, {$120.00}, {$2.00}, and {$130.00} from my Wells Fargo Checking and Savings Accounts. My lawyer immediately filed a claim of exemption and requested a hearing. The hearing was held on XX/XX/XXXX2023 and the garnishment was dissolved with all my money to be returned forthwith. Wells Fargo, the garnishee, has received copies of the judge 's orders. I was told it would take 7 to 10 days for my funds to return. Wells Fargo doesn't help me XXXX XXXX XXXX will not help me so i turn to you to get my money back I'm XXXX and can not afford this. 

Thank You 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 monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( 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 to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information their reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, 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 2021-04-09
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/2021, I requested fro an estimated rate by filling the online inquiry on XXXX XXXX XXXX website. I consent to the soft pull. After that, I received an email with a link written " Click here for your personalized mortgage rate quote '', and it brought me to the home page of XXXXXXXX XXXX XXXX website, which did not provide the quote that I requested. On XX/XX/2021, after I filled the online inquiry, someone called me three times and I assumed that's from XXXX. However, I was not able to answer it because I was at work. It means that I never had a chance to speak with someone from XXXX until XX/XX/2021. On XX/XX/2021, I found that my credit was decreased due to the hard inquiry made by XXXX. I sent an email to their customer service and told them I consent to a soft inquiry but they did a hard inquiry. They replied and claimed that " I took it a step further and authorized a hard pull to be done '' the next day. I then asked them how's possible that I gave authorization by only filling the online inquiry, but they never respond.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( TRANSUNION ) that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-07-05
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wife and I were incarcerated between XX/XX/XXXX and XX/XX/XXXX. During that time someone broke into our locked filing cabinet and took all of our personal information, including social security cards, banking information, debit cards, vehicle titles, etc. They then proceeded to drain our checking account of roughly {$37000.00} within 20 days. A family friend of ours even called M & T Bank XX/XX/XXXX around XXXX p.m. in attempt to stop the fraud from continuing, but M & T Bank told him they couldn't do anything. M & T Bank 's fraud department says they do not consider it fraud because our PIN numbers had to be used on numerous transactions. I informed M & T Bank 's fraud department our locked filing cabinet was broken into and our PIN numbers must've been written down on the banking papers. They told us to submit a Victim 's Report from the state police involved in the case. We submitted the Victim 's Report and M & T Bank re-opened the case for only one day and then re-closed it. I also informed M & T Bank multiple credit cards have been opened in our names also and I've had to put our credit on freeze because of all the information that has been taken from us. After we submitted our fraud claim and went into M & T Bank to explain what happened and close out our savings account and recover whatever funds were left over, M & T Bank said they didn't want to bank with us any longer. They were basically warned and informed fraud was occurring to a faithful client that's been banking with them for years with no problems, did nothing about it, and then waited for the fraud victims to come into their bank just to tell them they aren't welcomed there anymore and they can't do anything about getting back the money that was taken fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The dispute is with Chase credit card for XXXX XXXX. That credit card account number was XXXX. On XX/XX/2022 I was charged XXXX at XXXX and on XX/XX/2022 I was charged XXXX at XXXX XXXX. Neither of these purchases did my wife or I make. I was unaware when the card was missing. A person unknown either removed the card from my home or copied it or used that information to make these fraudulent charges. I contacted the credit card company and they first asked me to submit a police report which I did. No result on investigation. They next asked that I contact the vendors who won't give me any proof that I made these purchases. The credit card company is steadfast in refusing to credit back these fraudulent charges. I have further details which I will give you if requested. 
I have a stellar credit history with no charges ever being brought against me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: IL
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:
Filed a complaint ( XXXX ) on XX/XX/2023 against Experian regarding a closed dispute that did not follow proper procedure. I received an email stating Experian started a new dispute was opened on XX/XX/2023, report number XXXX, and only corrected my name and one address per my second request. There is still an address being reported that I never resided at. These inaccurate items where still not deleted per my instructions. That dispute was closed same day on XX/XX/2023. Experian is still non compliant with FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Nelnet, Inc.
State: AL
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:
XXXX and XXXX The following student loans are reporting in my closed account inaccurately and no longer exists : Loan number ending XXXX {$4500.00} Loan number ending XXXX {$6000.00} Loan number ending XXXX {$12000.00} Please remove the accounts from my XXXX and XXXX crefit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
After several months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX having issues with the updating system ( from XX/XX/2022 to Approximately XX/XX/2022 ) for all of their store cards and not reporting for several months, they were finally able to confirm my XXXX Card account was indeed still open, although it showed closed by the creditor on all 3 major credit bureaus. 

I then proceeded to dispute the information on my credit report with each bureau, not one ( results posted XX/XX/XXXX ), not two ( results posted XX/XX/XXXX ), but three times including requesting reinvestigation ( XX/XX/XXXX ) AND uploading current billing information which showed the status of the account as open, never having been closed, and used in the time it was reporting as closed. The results keep saying the account is updated to : closed by credit grantor which is UNTRUE. THEN when trying to at least add a statement to this fiasco until it is appropriately resolved, I am only able to select pre-worded statements by Experian, none of which suit the situation. Therefore leaving me unable to at least note the account is still in fact OPEN. 

While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings. 

As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given Experian MULTIPLE opportunities to fix the issue, it is obvious they do not even ATTEMPT to investigate. 

Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been trying to access my assets with Crypto.com for over a month. I can see the total value of my assets, on their app, but when i click on the " wallet '' to sell or transfer them, it is blank. I have used their chat feature and their customer service email. I have reached out 7 times in the last 30 days. Each time they tell me that they are working on the problem and I never hear back from them. Each time I reach out to them, I have to go through a " verification '' process which is lengthy and ridiculous since I have already done it 3 times so they know that it is me. Plus I have access to my account on the app so there is no reason that I can't access my assets.

I need to access me crypto so that I can sell them to take care of some financial problems that I have. I have already lost out on selling at a higher price. The fact that I can't get the problem fixed so that I can get to me assets is very suspicious. Are they not solvent???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI, INC. 
Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. AFNI is reporting a collection from XXXX that is NOT NOT NOT mine. I attempted to contact afni to dispute this account. At first they stated they could not find any accounts in the system under this account number. I then called XXXX, who also could not find any past due accounts under my social, address or this account number they also stated they DO NOT SELL TO AFNI, there are 2 other collections companies they work with but none of them is AFNI. So afni is fraudulently attempting to collect this debt on behalf of XXXX who has no recollection of this account or even working with them ... I called AFNI again, this time they insisted on collecting my personal information phone # s with purpose of verifying the account and NOW I'm getting non stop collections calls from them threatening to take me to court and garnish my wages ... I almost lost my job because of this fraudulent collector. please help ... 
I have written several letters sent certified mail to AFNI and got NO response. I went to law foundation for help and DA 's office who advised me to file my complaint with you and also to file my complaint with FTC with hopes of bringing this fraud collectors to justice. If this is not removed from my credit report I will file this with the case law attorney who is working on case against AFNI already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: WELLS FARGO & COMPANY
State: MN
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:
I don't have any specific dates but {$600.00} overdrawn on my account

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 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a somewhat large check, $ XXXX, in my Bank of America Savings account in person at a local branch. The deposit was made XX/XX/2023. I am now being told the funds will not be available to me until XX/XX/XXXX due to a BofA " internal review '' process. The check is from a well-known mutual fund, XXXXXXXX XXXX and it's authenticity is easily verified. I do not think this is acceptable and I wonder if BofA is somehow benefitting from the use of my money " on the float ''. The whole situation could have been avoided if i was able to do an ACH transfer from XXXX. However, i was unable to do that because i had to submit hardcopy paperwork to XXXX with a " signature stamp '', something beyond a notarized signature that was not available at 3 different banks i checked in my area before giving up. I think this is XXXX 's way of making it difficult to withdraw money from their funds. In any case, the process of gaining access to my own money will have taken 6 weeks from the time i contacted 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 monetary relief
Consumer complaint received 2018-12-21
Company: BARCLAYS BANK DELAWARE
State: CA
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 XX/XX/XXXX I contacted my Barclays Ring card to initiate a balance transfer of {$7500.00} from my Barclays card to my XXXX card. The transfer processed on XX/XX/XXXX, but they incorrectly transferred a {$7500.00} balance on to my Barclays card. At no time during my phone call was I advised that they were doing the opposite of what I explicitly stated I wanted. When I contacted Barclays they refused to reverse the charge. Further they insisted that I was responsible for the interest payments on my grossly inflated balance. This is the second time Barclays has incorrectly executed a balance transfer ; upon opening the card over a year ago they processed the same balance transfer twice, and also refused to correct. Perhaps they should remove themselves form the balance transfer industry

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 2023-10-14
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
What happens in the time for the covid 19 I went to the company XXXX to cancel my account and the said is okey but want to get my account in hold I said no so I signt a paper to closed my membership but the company didn't make after or 5hat they closed the XXXX for the covid 19 and they still charges in my account evening the XXXX XXXX was closed I don't think is fair also they send my to coleccion

Company response to consumer: Closed with explanation