BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX BANK XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, some of these accounts, are also in violation with the statute of limitations here my state of Texas. 

I went ahead and attached screenshots I took from XXXX XXXX, where I highlight all the violations on every single account. 

-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 explanation
Consumer complaint received 2021-04-10
Company: SN SERVICING CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted documentation to SN Servicing for a forbearance due to a personal illness and I lost my job during the pandemic. The company failed to reply to my request and they went forward with ether foreclosure on my property. The property was foreclosed on XXXX XXXX for {$89000.00} and the loan number is XXXX. I received this information from XXXX XXXX of the XXXX XXXX XXXX ( XXXX ) who stated he sent the excess back to the company. I owed only {$49000.00} on my home when they took the property from me and the excess was supposed to have been sent to me. My home had equity in it from XXXX .Mr. XXXX, gave me the name of XXXX XXXX of SN Servicing at XXXX Ext. XXXX. Ive tried to contact Ms. XXXX and she has refused to accept or return my calls. I am currently XXXX as I was approved from my XXXX benefits in XXXX of XXXX. I fell like the company deceived me and took my property. I dont have a home because they took it from me and I could have caught my note up once my XXXX was approved. Please call me at XXXX as I have supporting documentation proving these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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

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 2023-02-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
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 is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The HSBC BANK USA XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The HSBC BANK USA XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. 

XXXX responded " Trade : HSBC BANK USA XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with HSBC BANK USA XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with HSBC Bank USA XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

HSBC BANK USA XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to HSBC BANK USA XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to HSBC BANK USA XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX has no right to collect any debt for this account from HSBC BANK USA XXXX that was transferred or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/2022, I disputed items on my consumer credit report that were furnished without my written consent. I did not give expressed written consent to Experian to authorize these items to furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). A FTC identity theft report has also been filed and sent to Experian for using my information to furnish items on my report without my consent. Experian temporarily deleted the XXXX XXXX XXXX  XXXX XXXX accounts from my report. However, the other items have not been blocked from my report in accordance with 15 USC 1681c-2 ( a ). I have sent XXXX notices to Experian since the beginning of XX/XX/2022 with the attempt to settle this matter and get these items removed from my report. However, I have not received adequate response about the investigation or proof of written consent.

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 2022-10-05
Company: Bread Financial Holdings, Inc.
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went to XXXX in XXXX, 2022. I charged meals on my BJ credit card. I was offered to apply for special things through XXXX. I got an email saying I was chosen. I never heard any information about a {$700.00} charge. I had already purchased meals for the return flight. I never authorized {$700.00} to go on that credit card. That was almost the price of my entire trip. I made a claim to BJs. I found out after the fact that they closed out my claim twice. I kept asking for a reason that my claim was closed. I cant tell you all the ways I tried to get a response but never did. The credit card company sends me irrelevant letters. I never authorized this charge and the charge itself is ridiculous. BJs has been horrible. Im leveling a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX BANK XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, some of these accounts, are also in violation with the statute of limitations here my state of Texas. 

I went ahead and attached screenshots I took from XXXX XXXX, where I highlight all the violations on every single account. 

-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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2022-07-26
Company: EQUIFAX, INC.
State: NC
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 submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-02-26
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Equifax on XXXX XXXX, XXXX about information I got from XXXX XXXX concerning my credit rating. It had gone down. XXXX noted the reasons. I strongly disagreed. Equifax agent said all he could do is send me info about their method. 

The Equifax statement arrived a few days ago. ( Today is XXXX. XXXX. ) It listed some reasons for the rating and noted info about how to file a dispute, which wasn't entirely accurate. Long story. In any case, they provide only limited links, which do not allow dispute of their conclusions or ratings. 

The Equifax notice cites the following reasons for their rating to which I'll respond, one by one : CODE 43 : LACK OF SUFFICIENT CREDIT HISTORY ON BANKCARD OR REVOLVING ACCOUNTS : I've had my XXXX  Card for several years and pay it off every month. I've never been late. I've had other cards over the years as well. I'm XXXX XXXX XXXX! I have plenty of credit history. 

CODE 8 : YOU HAVE EITHER VERY FEW LOANS OR TOO MANY LOANS WITH RECENT DELIQUENCIES. First, no delinquencies and no loans. I assume they're saying I'm not in enough debt. That's insane rationale. I've had all kinds of loans over my lifetime, all paid off. But I don't get credit for that while others who carry a big debt load do? That's nuts.

CODE 65 : LACK OF SUFFICIENT RELEVANT FIRST MORTGAGE ACCOUNT INFORMATION. Gads, do they do their homework? My spouse and I have owned three houses since XXXX. We're old. We paid them off. Seniors do that, if they're lucky. Getting downgraded for that or consequently denied credit for that is age discrimination. 

CODE 4 : THE BALANCES ON YOUR ACCOUNTS ARE TOO HIGH COMPARED TO LOAN AMOUNTS. There are no loans. Period. Are they referring to our XXXX XXXX? We pay for as much as we can with that card because XXXX gives us 2 % cash back. We pay off that card every month. We have never gone over our self-imposed credit limit, which could be higher if we wanted it to be. 

I don't understand why I wouldn't have the highest rating. All bills paid promptly, good monthly income, good assets ... my husband and I are so much better off than many of our contemporaries. But Equifax has got it wrong, I want the record corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX my card ending in XXXX was fraudulently charged 3 times by XXXX in the amounts of {$97.00}, {$5.00}, and {$30.00}. I immediately received notice of these charges from Wells Fargo via email and text. I called on the same day, XX/XX/XXXX and spoke with customer service who stated she would file a claim on these charges, close my account ending in XXXX, and send me a replacement card. 

Today, XX/XX/XXXX I received a letter from Wells Fargo Claims and Recovery stating that We have completed our research and found that the unauthorized transactions that were reported did not post to your credit card account and will not appear on your credit card account statement. 

I called Wells Fargo today, XX/XX/XXXX and spoke with one fraud rep by the name of XXXX who stated she could not find the above stated fraud transactions on my old account ending in XXXX. She looked at my new card/account ending in XXXX and advised that those fraudulent charges had posted on that account instead. She advised she would have to transfer me to her counterpart XXXX to assist me. I was then transferred to XXXX, who then reverified my personal information, I then explained the situation to her again. She advised she would document those above stated XXXX charges as fraud and close my account. She then cold transferred me back into a queue after which the line was disconnected. 

I once again, called Wells Fargos fraud department. Spoke with a new rep, who advised me she would document my fraudulent XXXX  charges, she confirmed that my new card ending in XXXX was closed/canceled, but then stated she could not processes a replacement card. She once again had to transfer me to a colleague to assist me with the replacement of my card. I was then transferred to a gentleman by the name XXXX I believe who after verifying me for the 4th time, stated he could not processes my replacement card and could not explain to me why. He just stated I needed to go into a branch. I ended the call and came here to report this. 

Wells Fargo, this is appalling. I am frustrated and disappointed with the quality of your employees. I am questioning my future with you for my banking needs. 

I want the fraudulent charges from XXXX that I initially reported on my account ending in XXXX to be removed from my account. 

I NEED a replacement card for the account that was closed and that has the fraudulent charges showing on ending in XXXX. These XXXX charges were pending when I reported them on my card ending in XXXX, obviously they posed to the replacement card ending in XXXX. XXXX not sure how difficult that is to understand.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 account has been reporting on my credit report since XX/XX/2021 with a balance of {$7100.00}.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I financed a car with Wells Fargo in the past. 
I was subjected to some unfair financing and terms. 
I purchased the car around 2008. 

Thanks, 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 2020-06-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking and saving account with Chase early XXXX. I received a letter less than a week later stating they where going to close the account with no reason given. Then they are holding the {$16000.00} I deposited. They refused to send my funds and said I would need to wait for a check to be mailed which takes up to 2 weeks. I told them I needed my funds today XX/XX/XXXX. I've spoken to 5 different reps and the executive office. They opened an investigation but I need my funds now!!!

Company response to consumer: Closed with explanation