BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
I have noticed inquiries on my Experian credit report. That i do not recognize and ask that they removed. 

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 2023-12-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX/23 I discovered my checking/savings accounts were violated. The total amount was {$6000.00}. Which includes my checking/ savings accounts. I notified Wells Fargo claims department who documented claims. The claims department advised me to close my accounts and get my phone checked for suspicious activity. XX/XX/XXXX23 I went to my local police department they advised me to go to my bank Wells Fargo to close accounts. Same day went to my bank spoke to XXXX XXXX. She reviewed claims said it would take 8-10 business days on XXXX/XXXX/23 I received a letter from the fraud department stating these XXXX transactions were authorized by me and no processing occurred. As such Wells Fargo closed my case. XX/XX/XXXX I met with the manager advising her that I never authorized the XXXX transactions. In fact I never used XXXX services. The branch manager indicated she would escalate my response to obtain a resolution. XX/XX/XXXX I received a phone call from XXXX in the fraud department the claims were denied and she could refer me to another department. She could not assist me further.I went back to the bank the same day. Spoke to XXXX XXXX I wanted the XXXX account removed. She told me it couldnt be removed and claims were closed. She was unable to help me further.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX 15 U.S.C , 1681section 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 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 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 2018-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
My wallet was stolen from my home by someone I know on XX/XX/ at XXXX XXXX He took one credit card and purchase was rejected, then he tried another and made two purchases at XXXX and XXXX for {$30.00} and {$73.00} claiming it was his girlfriend 's credit card at XXXX XXXX, dba XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone XXXX. He attempted to make another purchase for {$93.00} about 10 minutes later which was rejected and I was notified by fraud department at XXXX. I went to XXXX and they showed me the signed charge slips. I told them I had denied all charges and that it was a stolen credit card. I then went to Sheriff 's Office and filed complaint. The person who used credit card was arrested that same evening for credit card fraud. Then even though XXXX XXXX knew he used stolen credit cards to make these purchases, after being notified that XXXX would not honor their charges, XXXX XXXX pulled the rejected charge slip and charged the same transactions against my Bank of America credit card on XX/XX/ and even though I only had {$5.00} on account before I went over credit limit, Bank of America allowed the charges to go through. I would like both Bank of America and XXXX XXXX to be investigated on this matter.

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 2023-04-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I foolishly deposited a check that I had received from an unknown person. Of course, this check came back as fraudulent. Fifth Third then froze my account for any future transactions. At the time of closing, Fifth Third returned approximately {$1100.00} to me that was remaining in the account. I then tried unsuccessfully to open a checking account at several other banks but was not able to do so. I received the Consumer Report stating that I had " uncollected funds '' at Fifth Third. After checking with the local Fifth Third branch, the banker told me that he saw NO uncollected funds against my account. He advised that they would forward the information to their corporate headquarters for review. I have been again advised by corporate that there is NO uncollected funds against my account. I have been advised that I need to file this dispute in order to clear this situation up so I can once again open a checking account and live a normal live. Please advise what needs to be done. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Concord Resolution Inc (Closed)
State: DC
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received numerous voicemails from " Concord Resolution '' in XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX at Concord Resolution who informed me that I owed a {$300.00} payday loan from XX/XX/XXXX. They had most of my personal information including last XXXX of social, name, and address. I informed XXXX XXXX that this was not my debt. He said he would mark the file as my refusing to pay. On XXXX XXXX I sent them a verification of debt letter via certified mail. They have not responded nor provided any further information. 

I have never received a payday loan from any company. I reviewed my bank records and all other information and this debt is not mine. This is a fraudulent attempt by Concord Resolution or " XXXX '' to steal money from unknowing consumers.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-09
Company: Experian Information Solutions 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 status incorrect

Complaint:
I took out a loan with XX/XX/XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FIRST XXXX BANK is reporting late payments while in active chapter XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.

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 2015-06-29
Company: Concord Resolution Inc (Closed)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These people keeps calling for a payday loan that I never applied for. Threatening me with civil actions if I do not pay. Calling my family about this payday loan and threatening them with civil action. Everyday calling me and leaving me computer messages. These people are horrible scammers please help.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-23
Company: U.S. Home Capital, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
The Lender U.S Home Capital, LLC. XXXX XXXX, XXXX XXXX, NJ XXXX owe me a refund of {$2900.00}, this money was paid at closing for Upfront PMI. I found out in XXXX of this year that my mortgage was not insured with the FHA, I contacted XXXX Mortgage which was the lender that my mortgage was sold to a couple months after we closed. I contacted XXXX Mortgage, they 've acknowledged my claim was legitimate and a refund was issued to me for all the monthly PMI payments that was posted on my account. The last time I spoke to U.S Home capital XX/XX/XXXX, they had promised to request {$2900.00} from HUD, and now they wo n't return my phone calls, emails, I 've made numerous attempt to resolve this matter peacefully, it has been four months, they still have n't giving me the status of my refund.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items

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 2023-09-23
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account. I currently have internet and cable accounts with this telecomunications company XXXX XXXX XXXX and they have no knowledge of this debt. This collection agency keeps calling me threatening to come to my place of residence or work threatening to take me to court in order to scare me to pay this unknown debt. I have asked them to provide me with proof that this is my debt and they refuse. I do not know what more to do.

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 2016-04-01
Company: American Mortgage Services,  Inc
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
AMERICAN MORTGAGE made a hard inquire on my to all three credit reporting agencies : XXXX - XXXX, XXXX - XXXX, and XXXX - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is AMERICAN MORTGAGE hurting my ability to move '' and making unauthorized hard pulls?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had 3 separate incidents where my checking accounts were compromised and I had several fraudulent charges on my accounts so I immediately called and filed fraud complaints with chase bank and was told they would issue a temporary credits while they investigated the transactions. I went on my chase app to check my balance and saw my access was denied so I called chase they said that due to the fraud on the accounts they restricted all the accounts and would closing all my accounts in 10 business days from the day they were restricted which was XX/XX/2018 and that I could go to the branch and withdraw the current funds in my accounts and they would mail me a check in 7-10 business days after they finished their investigations and closed the Accounts. I went to two different branches and they would not allow me to withdraw my Money from my accounts. They said I had to wait the 10 business days for the accounts to be closed and then 7-10 business days for them to mail me a check. I let them know my husbands paychecks, my child support, as well as my childrens XXXX payments are being direct deposited in that account and its too late to change it and they said that Ill Have to wait 7-10 days after they receive those direct deposits for them to mail us a check. This is all of our rent and bill money all of our XXXX money for our kids everything and they will not do anything to help us. We just want the money thats in our accounts and our money thats being direct deposited. 

I should also mention my husband is a retired veteran that did XXXX tours in XXXX, I am XXXX XXXX with XXXX XXXX XXXX and we have XXXX very XXXX XXXX, XXXX   XXXX, XXXX children this was our account that all our money went into we barely scrape by as it is and now we have no money to pay our bills and we now can not pay our bills because they wont release our money and right before XXXX so theyre depriving our XXXX kid of having a XXXX. All because our account was compromised and we reported the fraudulent charges immediately and were punished by chase for doing so. No one at chase cares or is willing to help us at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Dave Operating, LLC
State: WI
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:
Dave prepaid debit card is creating false transactions. I had XXXX XXXX transactions back to back. Where it overdraft my account. I called XXXX they stated they had no record of the transactions to dispute with my bank. I contacted them right away and they disputed the charge. It has been a month with no resolution or no credit. This is not the first time where my transactions didnt match up to what my balance was suppose to be and no record or the transaction or where or why the money was taken. This is not a very safe place to keep reoccurring deposits. Someone needs to investigate because there is scandalous things being done. They are rude to their customers when they are at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX XXXX : {$24000.00}

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 2019-06-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My sister and I opened up an Estate Account at Wells Fargo in XX/XX/2019 after the death of our mother. After weeks have gone by and we have deposited several checks into that account, Wells Fargo contacted me and told me that an error had shown up on the account and I would have to close the account. Turns out the account should have never been opened because there are two executors. Upon opening the account, I provided Letters of Testamentary showing my sister and I as co-executors and the account was opened. 
When I took their advice and closed the account, they issued a check payable to the Estate of my mother. We have been to several banks in the area and they will not open an Estate account with two executors. We decided to take the check back to Wells Fargo and have them cash it and we would open a joint checking account at XXXX XXXX XXXX and deposit the cash. 
I was told at Wells Fargo today that since the estate account no longer exists that they can not and will not honor the check that they issued to me. They told me to get an attorney in order to get our money. The other advice they gave was to go to the Clerk of Court in XXXX, NC and have the paperwork changed in order to get our money, or file an affidavit. They want me to take a day off work , drive 3 hours away and fix their mistake. With that said, Wells Fargo issued us a check that we can not cash and they will not honor. 
Please help us if possible. This seems illegal to me. They made an error and are trying to withhold our funds.

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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting 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:
I have credit inquires that I have no knowledge of and did not give my consent to check my credit on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief