BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: PR
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: PA
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 Account # 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 explanation
Consumer complaint received 2023-11-24
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i filed a dispute about XX/XX/23 spectrum for XXXX and XX/XX/23 for XXXX spectrum and XX/XX/23 XXXX to some company called XXXX and XX/XX/23 for XXXX XXXX i did not authorize nor did i make these charges. filed a dispute with chime, they denied my dispute this is ridiculous. i did not make or authorize these charges, please help me get my money back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today XXXX of XX/XX/2022, i called XXXX for Identity theft as an alert was sent. It was not me. that applied to a credit card with Chase Bank. JMCPB CARD was applied by another person, resulting in identity theft. 
I called XXXX they put a fraud alert. I called Chase and was told that department was closed. Need to call again tomorrow for them to also file a fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2020-07-25
Company: TRANSUNION INTERMEDIATE 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:
I am a victim of fraud and stolen identity. I contacted the creditors and the credit bureaus over a year ago to make them aware that someone is using my identity. The credit bureaus have failed to investigate and/or address the issues that I am having. They are sending out generic replies that they've investigated the fraud and have updated my file and have decided to leave the damaging information on my credit.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Good afternoon. 

My Auto account number ending XXXX My XXXX XXXX  was repossessed on XX/XX/XXXX. I gave my Fiance permission to pay off the account settlement balance of {$9800.00} so that we could retain the vehicle back. The payment was wire transferred over as directed by Capital One on XX/XX/XXXX where it got stuck in compliance review for XXXX business days, leaving us without a car for XXXX weeks. We called nearly every day to see if our payment had been processed so we could get our vehicle back. The car has already been sent to auction on XX/XX/XXXX, we have hired a lawyer to represent us in this action that they moved the vehicle before a resolution was made on our issue. 

As stated, Capital One XXXX failed to process our payment as agreed within a timely manner and has caused severe damages which included loss of funds {$9800.00} for XXXX business days, as well as loss of transportation for XXXX weeks with no vehicle. And now the vehicle is up for auction without the company responding to our resolution request with our XXXX. This is poor customer and consumer care, as I have made several attempts to fix my mistake of my car being repossessed and should have had it back on XX/XX/XXXX as agreed. I was told payment would take 2-4 hours to process, which somehow turned into 21 days and we had to have our bank ( XXXX ) reverse the wire and retrieve it back since Capital one was refusing to have the payment processed through their third party wire transfer, which we were directed directly from Capital One to send the wire transfer through that XXXX party ( XXXX  XXXX  XXXX  ) . that 3rd party reported to my bank that Capital One never authorized this wire transfer for the account and could not process it on their end. Funds were then reversed XXXX business days after the fact. 

Capital one has done nothing at all in attempts to make this situation right and in fact have been very difficult to work with during this entire process. They have made obtaining my vehicle back after repossession completely impossible. I am under suspicion that they have done this on purpose in a ways to sell my car and sue me for the remaining balance when I have proof that payment was sent to them on XX/XX/XXXX to close the account out on a settlement to get the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Peoples Home Equity, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm reporting people 's home equity as I've worked there and I'm formally reporting that they're altering customer documents, along having a felon working on the loans. They also have several people working under one loan officer 's license number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name should only be listed as : XXXX XXXX The only address I have is my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all other addresses and names Remove : 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2019-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is a follow up to my original complaint submitted on XX/XX/19. Since then, BOA has had one of their reps reach out to me, XXXX, from the 'Regulatory Complaints Department ', and unfortunately, I have been caught up in a game of phone tag with XXXX. According to XXXX, she needs to speak with me directly before she can investigate my claim. Given that I have already verified my identity with the BOA reps that I initially spoke with, I'm not sure why there is need to speak with me directly to conduct an investigation. Anyhow, in my original complaint I didn't submit my supporting docs because the upload portal wasn't working. Thus, I have attached the bonus reward offer that Bank of America claims does/did not exist. Maybe this can help them expedite their investigation.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
ACCORDING TO 15 USC 1681I - XXXX XXXX AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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.

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 2021-09-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have Barclays US credit card ( Uber cobrand Visa card ) that has been enrolled in autopay for full balance since inception. 

For the payment due XX/XX/2021, Barclays ' autopay system broke down and did not make the auto payment, and charged me a late fee as a result.

I spoke to Barclays US and they confirmed that they have a computer problem in their autopay system, and that many cardholders who were supposed to have had their payments made automatically were not completed due to their own error. They said that all of these people have been charged late fees automatically by the computer and to get the fee reversed they would have to call in.

I did call in and have the fee reversed, but clearly there are many people who are going to miss this erroneous fee, and late fees are reported to the credit bureaus which could impact some cardholders ' credit scores. 

This type of malfeasance is approaching the XXXX XXXX scandals and I believe the CFPB should fully investigate Barclays ' fraudulent late fee charges.

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 2018-03-29
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Well a while in XX/XX/2016 I borrow XXXX dont remember the exact amount, but we had XXXX deaths in the family and I haven't been working they sent an email threatening to sue me in court if i didn't call, but I replied explaining my situation and trying to work with them to pay at least XXXX every XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: TX
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 XXXX  Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: WELLS FARGO & COMPANY
State: PA
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 contacted Wells Fargo XXXX XXXX and asked them to please update how they are reporting to my credit. I had filed bankruptcy ( XXXX  XXXX ) in XX/XX/XXXX. I did not reaffirm my mortgage with Wells Fargo as NC a courts do not allow that. I continued to make all payments as I had been, and all on time. I understand they do not have to report, thats fine. Instead wells is reporting my account status as derogatory instead. My mortgage has been paid off, paid in full, never late. I asked they remove the information or updated it correctly. Nothing has been done. I also disputed it multiple times with the credit bureaus with the same thing happening. This derogatory credit reporting has lead me to get denied for auto insurance as they think I owe money. I have my pay off letter and just would like this removed. Thank you.

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 2019-04-09
Company: DISCOVER BANK
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I been contact by XXXX XXXX XXXX XXXX many times and I have tried to work a payment with them and they don't agree, they want the full amount. One time he said he couldn't understand me because I have a XXXX accent, which I reply yes I'm XXXX. After this he said I pay this before they send me to XXXX which I said what are you saying then he said before you go to XXXX. Many times he has threat me that I'm going to be arrested because I don't pay. I do want to pay but I don't have the full amount. I want to work with them doing a monthly payment but they want the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: WELLS FARGO & COMPANY
State: OH
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:
Historically, I have had a high credit score of XXXX. Last XXXX, it appeared as though Wells Fargo had double-deducted my monthly HELOC auto deduction from my checking account at XXXX XXXX. 

In an effort to protect me, XXXX XXXX  stopped auto deductions from Wells in excess of a certain amount in XXXX of 2018. The process for investigating with Wells Fargo was arduous an they did not help. The process took almost a year. By XXXX of 2018, I had changed HELOC accounts at Wells Fargo and was told that I would be all caught up and no negative credit determination was made. The is not true. My credit was slowly going down to XXXX. Again, I got on the phone with Wells and they told me they would cover the " {$200.00} '' interest that was accruing in a sub account that I never authorized to be opened. I went on to simply pay the disputed amount by year end. I never accepted responsibility for the error but I wanted to save my credit. Unfortunately, Wells Fargo continues to report to XXXX that I'm " behind '' in mortgage payments and It's is adversely affecting me. XXXX investigated and Wells said I was not paying in a timely fashion. I have statements that show the monthly bill has been paid.

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 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with explanation