BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
WELLS FARGO DEALER SVC ******** XXXX Date Opened : XX/XX/XXXX Balance : 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My TRANSUNION credit report was accessed without my consent. Fraudulent credit inquiries are showing on my TRANSUNION credit report. 

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 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Since XX/XX/XXXX. Capital One has funds in a checking account and the account was frozen due to an investigation. The investigation has closed in XXXX and funds are still in the account and the loan company had not received a email on how to retrieve their money. Now the account is back open and direct deposit that I was getting as paper checks because the account was closed are being deposited into this account. What President do I need to speak to to get this resolved. This case had been ongoing for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
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:
After submitting a complaint with cfpb on XX/XX/2018, regarding collections acct be removed, Equifax lowered my credit score 48 points. While all other credit reporting agencies raised my credit score to XXXX and above Equifax felt the need to lower my score to reflect the credit score at XXXX. I submitted documents that had a XX/XX/2018 date of removing the collections acct, when I called to get my status on this acct, they did not have any of this information and could only tell me they lowered my score because XXXX made an inquiry into my credit file. I don't think having an inquiry should lower my credit score 48 points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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  Account # XXXX, Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2021-05-10
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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Hello CFPB, Recently, I received of my credit report and multiple errors on my Transunion credit report. I am certain that these inaccuracies are affecting my credit file and costing me the ability to apply for other credit. Below are the items that I want verified or removed : - XXXX XXXX XXXX Late Payment/Account XXXX - I have verified with the credit department at XXXX XXXX  that this card should not be reporting AT ALL on my ( XXXX XXXX ) report because I was never a primary account holder on this account. I have already tried to resolve this issue, but since I am no longer on the account, I was not able to get a resolution from the credit bureaus. XXXX XXXX is my wife and the current account holder. Once I ( XXXX ) was removed as an authorized user, the card should no longer be reporting on my Transunion. My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of XXXX are clear, I require these accounts to be removed from all current and future credit reports. Also, please send me the contact information of any individuals and/or organizations you contact so I am able to reach out to them directly on my end. I am certain that 30 days gives them an adequate amount of time for them to take a look at these accounts. By my interpretation of Section 611 ( a ), it is stated that the failure to investigate these items within 30 days constitutes a reason to immediately delete these accounts from my credit file. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: ID Analytics, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
SageStream , LLC, Consumer Office,XX/XX/XXXX XXXX, XXXX XXXX, CA XXXX provided FALSE and libelous information to XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX XXXX for an application for an XXXX credit card that I've held before. 

All credit bureaus XXXXXX/XX/XXXX, and XX/XX/XXXX) all state my score as a XXXX. SageStream , LLC, falsely and libelously states my credit score as a XXXX out of XXXX. 

I am a permanent federal employee serving the medical mission of the federal government previously at DoD and VA and my job requires me to move frequently. SageStream , LLC used my movement and change of phone numbers as a permanent federal civilian employee serving during the pandemic TO DENY MY CREDIT. 

IF XX/XX/XXXX and XX/XX/XXXX state my credit worthiness as XXXX, where does SageStream , LLC get the XXXX number? It doesn't, SageStream , LLC LIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I dispute multiple things on my credit. Report date is not knowledge to mines still keep appearing on my 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 explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 15 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 2023-05-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have three 0 % promotional balance, with one that ends in a couple of weeks where interest will start accruing. I wanted to pay off the balance whose promotional period is about to end, however Wells Fargo said they would apply the payment evenly to all three balances. This would cause me to accrue interest.

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 2021-01-11
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a visa gift card on XX/XX/2020. I found a fraud transaction that took away all of the balance ( {$500.00} ) and contacted the gift card bank right away. I email them ALL the required materials on XX/XX/2020 but after 20 days I only received a reply that they didn't receive all the materials .... I don't understand why all the files were included in the email but they said they didn't receive them. What kind of efficiency is this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls about a debt that was covered by Georgia Medicaid for a XXXX ( XXXX hospital ) stay for my daughter over two years ago. I have no idea who this company is.It was XXXX XXXX in XXXX. Called them about twelve times and told them I am not responsible for this bill then they sent it to Optimum Outcomes at phone number XXXX XXXX XXXX which has been harassing me for over two years during which time I have had XXXX. My daughter is XXXX now. 
called XX/XX/2018 XX/XX/2018, XX/XX/2018 XXXX XXXX ,XX/XX/2018 XXXX XXXX,XX/XX/2018 XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, so many more over two years. The phone rings when I am at work and is harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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 status incorrect

Complaint:
On XX/XX/22 XXXX reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, XXXX will not remove the repossession from my credit report. 

I have reached out to XXXX, XXXX, and Experian on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to XXXX 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my 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 explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2021-02-05
Company: Selene Holdings LLC
State: IL
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:
In XXXX  I was trying to do the loan modification with Selene finance. Instead of them doing the loan modification they switched me to a new loan servicing company. They have never fixed anything, I also requested them to fix this on my credit report. That I have a XXXX mortgage which is incorrect I've tried to contact them several times. To fix this and have had no results. They need to remove this from my consumer report, fix the modification. as of today, they are reporting negative information this has been going on for the last year and a half. I don't even have them currently doing business with XXXX. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANK OF THE WEST
State: CA
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:
Bank of the West deducted a service charge from my XXXX XXXX account ending in XXXX. The representative told me the charges would be reversed and that they had entered into the system to only do statements by email and not mail to avoid charges. The charges were reversed and I thought he had handled the matter. The following month however, I got charged for a mailed bank statement. I called Bank of the West to complain and ask them why they are charging me when the matter was handled the prior month. The customer service representative said, " yes there was a refund last month, however we will not refund you for this month because we only allow one curtesy a year. '' I told the customer service representative that I had asked for changes to my account the month prior, of which the representative obliged and ensured me my issues related to charges for statements were resolved. This customer service representative said I had to go online and do it myself. I asked for a supervisor. The supervisor got on the call and ensured me the matter would be handled and resolved within a week. She lied. Not only did Bank of the West not refund my service charge, they never followed-up by sending me a letter or supporting information to explain why they had such lapses with their customer service representatives. I want this resolved my my money returned to my account for the service fee I should not have been charged for.

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 2021-01-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Chase Bank holds the Mortage to my house. Chase put XXXX XXXX XXXX a collection agency out front as of XX/XX/2020 to collect my Mortage payment. 
When I called for payoff information I was sent information to make wire transfer to Chase Bank account number. I bank with Chase, my Mortage is Chase by way of XXXX. Chase is still auto debit my account taking the mortgage payment. Chase charged me {$35.00} to send money from my Chase account to them Chase to pay my mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with SANTANDER CONSUMER USA. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, repossession, and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: VA
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:
Pursuant to the Fair Credit Reporting Act, the listed accounts below have violated my federal protected consumer rights to privacy and confidentiality as enshrined under 15 U.S.C Section 1681. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX : Account Number XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 ( a ) ( 4 ) states ... the need to insure that consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

15 U.S.C 1681 Section 604 ( c ) ( 3 ) states on information regarding inquiries that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit transaction that is not initiated by the consumer.

15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a customer to any consumer reporting agency if 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 2023-05-18
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 when making payments
Sub-issue: Problem during payment process

Complaint:
I didn't get my ebill from Bank Of America for my XXXX XXXX credit card ending in XXXX in XXXX. I received a late payment notice along with late fee and interest fee. I called to get this fixed and have spent the last 3 weeks with phone calls and a visit to a local branch trying to pay off my balance. They showed a payment going to an acct. ( XXXX ) which had been closed XXXX XXXX They are now processing dual payments one for {$3500.00} ( incorrectly ) and one for {$4800.00} ( correct ). I was told each time that I called that the problem would be fixed or that a supervisor would call me to fix it. This has not happened and now ( XXXX ) Bank Of America says that the information they gave me on XXXX was incorrect and that they can't stop the the incorrect payment. They can only issue a refund after being processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
Company: EQUIFAX, 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 XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, I XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation