BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED 4XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PHYS XXXX ) XXXX Balance : {$650.00} Charge Off XXXX XXXX Balance : {$1100.00}

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 2022-02-23
Company: Experian Information Solutions Inc.
State: MS
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 have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All UndeXXXX penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2023-10-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I requested my personal checking statements from the company. I can not access them on the company 's online portal and they were never delivered to me any other way. I called the company 's helpline and they told me I needed to go into a branch to get them. Today I went in to a branch and was again told that they would not give me my statements. I also learned that they had been delivering my personal checking monthly statements to my mother and my brother without my permission for years. The company told me that they would not give me my statements but that I could request from them from my family members who had access to them even though I had not given them permission to have them.

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 2023-08-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposited two different checks using the mobile deposit app with Truist. On both occasions they have held the funds for 10 calendar days, despite my getting an email stating the funds would be released the next day. Tried escalating via customer service number, who directed me to the branch. Was told at the branch, they do not have any power to release funds earlier, despite being told otherwise when my call was escalated to a supervisor. These were both part of my monthly payroll.

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 2021-10-14
Company: Cottonwood Financial Ltd.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was served papers last week stating I was being garnished for a credit card from XXXX XXXX XXXX taken out in my name on XX/XX/2000. I was a XXXX XXXX XXXX XXXX at this time and I have never had a credit card in my name during that time. someone forged my name and I can not pay this garnishment. I am willing to do hand writing sample to compare the signature and prove it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: AL
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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:1XXXX has violated my rights. Or list of inquiries 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There is an account on my credit report that is not mine and was the result of fraud/identity theft ( XXXX XXXX XXXX from XXXX of XXXX, as stated in the FTC identity theft report attached ). I noticed it in XXXX of XXXX at which time I disputed it ( I did not know the proper way to fix identity theft with the credit reporting agency at the time, I wasnt aware that disputing wasnt the Way to fix ID theft fraudulent accounts ). When I got the info back they were not deleting the account I spoke with an agent on the phone who informed me I needed to send in the FTC identity theft report ( which I had already filed the same day of the call ) and my drivers license and social security card. I sent the ID theft report from the FTC off with my drivers license and social security card the next day, priority mail XX/XX/XXXX. It was received four days later on XX/XX/XXXX. They sent me an investigation result stating this account XXXX XXXX that was disputed is verified as accurate and will remain on your report. The problem arises when they noted this as a dispute and not an IDentity theft request to block under The Fair Credit Reporting Act Section 605b. The FCRA 605b requires credit reporting agencies, such as Transunion, to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. They have done neither. The fraudulent account is still on my credit report and is keeping me from being able to apply for credit, among other things. This needs to be fixed, Ive sent in every single piece of information that the FTC said was required for this to be blocked from my report and Transunion has still not done their due diligence. Please help! Its crazy that they sent me a notice of my rights as an identity theft victim but didnt treat this as identity theft is supposed to be treated. 
All relevant files have been uploaded including the Driver license and Social Security card info I sent them along with my FTC ID theft report the priority mail receipt for the mailing of said documents, screen shot of USPS tracking info stating when the mailing was delivered and picked up by an individual, as well as the dispute results and a copy of the packet of of theft rights they sent me. 

Thank you for any and all help you can give me as this has upset me to no end. Transunion not treating this as if theft is almost as bad as the od theft to begin with. It shouldnt be this hard.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: NV
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 acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, have 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 an 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 2023-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been with USAA for decades, as a military dependent, XXXX XXXX, and veteran. 
I took out {$1200.00} on the credit card to start another bank account. My attempts to repay it failed, and I have been unable to access my account on their website. They have charged me hundreds of dollars of bogus late fees, and ruined my credit rating. Which was good, since I repaid {$10000.00} in loans last year. 
I have been absolutely unable to pay them, or access my account. I have spent hours on their XXXX phone system listening to their obnoxious USAA cheer, only to be cut off or transferred to people who don't answer. They give me numbers that don't answer, send me emails that can't be replied to, and tell me to go to the website that I can't get into. It's making me nuts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have sent multiple request for validation of debt via a contract with my signature stating that i have agreed to paying back a debt and or owe debt to collection agency listed on my credit. I also requested that those accounts be taken off of my credit until proof can be submitted and all three credit bureaus including collection agency have failed to send me requested validation on multiple occasions. And debts are still on my credit and has not been removed

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 2021-10-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, there was fraudulent activity on my JPM Chase Bank account through XXXX. Since XX/XX/XXXX was a Sunday, I had to call on Monday the XXXX. I reported the XXXX payments to XXXX for {$800.00}, XXXX for {$750.00}, and XXXX for {$450.00} totaling {$2000.00} dollars. On XX/XX/XXXX I was also experiencing suspicious activity through my other accounts ( emails and social media ) I was getting hacked and reported to Chase immediately. After reporting my case, Chase got back to me on XX/XX/XXXX and decided to not fund me back the money. The reason was because the fraudulent activity was happening through my IP address. I explained to Chase that these charges were not from me and that I have no idea who these people were. I also went on asking Chase to report these accounts since they're involved in criminal activity. Chase told me they are dismissing my case and there is not enough evidence to move forward with it. On XX/XX/XXXX I was receiving texts from Chase saying that my phone number on the account was changed and there was an unauthorized user on my account. This was still not enough evidence for Chase to move forward with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Zillow Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of complaint XXXX which was closed due to company response. While the company, Zillow Home Loans, responded, they submitted a check to us that was sent to XXXX XXXX  but not for our mortgage account. XXXX XXXX  stated the remittance note with the check was not for our account. Since the remittance has protected information for another account holder, XXXX could not issue us a copy of the notice. This complaint is NOT resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I opened a checking and savings account with Bank of America. As part of the account opening process BofA had to debit my existing external checking account {$100.00} to fund each account. on XX/XX/2020 both {$100.00} transactions left my external checking account. On XX/XX/2020 {$100.00} was credited to my BofA checking account I waited a couple days for the savings account to receive its credit. The {$100.00} never was credited. I called BofA on XX/XX/2020 and was told " Its in our system and we don't know what to do. '' So I called back and was told " we don't have anything for that amount. '' I have received no help. This is not a good welcome for a new customer. 

-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 2022-02-23
Company: Experian Information Solutions Inc.
State: GA
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 received an invitation from Experian to apply for an XXXX Credit Card. The information stated that it would not impact my credit score. So I applied and noticed yesterday that my credit scorXXXX decreased by XXXX points. I called to speak with someone about this and spoke with a customer service manager named XXXX. She was nasty and rude. This is misleading information. It appears that Experian gets rewarded for the number of applications submittetted. This is unethical and fraudulent.

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 2023-10-22
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I sent someone {$500.00}. Then the person who I sent the money, canceled the transaction and I was supposed to be refunded. I contacted CashApp several times about my refund because it wasnt back in my bank account. They kept saying that it should be available in my bank account. It has been almost one month and I still havent received that money back into my account. CashApp keeps lying to me that they refunded that money but it isnt in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Klarna AB
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have contacted their customer service representatives with no response back! I can't log into the site to change my payment method and I've told them repeatedly on chat that they need to change my payment method and not take it off the card ending in XXXX!! Someone on there and changed my card to the primary ending in XXXX without my permission because I have not been able to log in!! Now they're blocking me from logging in!! So I can not change any payment method or anything!! They have also took away all my credit limit without an explanation other than it's based on my credit report! My credit report is better now than it was when I first started using them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I sent out a dispute letter in XXXX, 2021 and have not heard any correspondence within the proper timeframe and has been well over 30 days.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX is continually reporting late payments on my credit file I was never late

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