BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX IN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo kept increasing my mortgage payments when I was on a fixed mortgage. They raised it until I could not pay any longer and got foreclosed on in 2014

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 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I submitted a letter of Validation to the office of capital one to validate that a debt was mines. I submitted the letter, my social, and drivers licenses to prove my identity. Capital one sent me a letter stating that for them to investigate the dispute I will need to submitted the account number, my social, and a copy of my credit report ( which I don't have to due to privacy ). During the month of XXXX I submitted letters to the bureaus to also investigate this claim and which capital one was able to validate the account, Now that I am asking for proof on how they were able to validate the they want to stall out and not follow the directions I gave them in the letter I send.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over XXXX before it was repossessed in XX/XX/XXXX and hit my credit just XXXX  months shy of the turn in date in XXXX. I requested all original documents from XXXX XXXX and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim.

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, 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 2022-03-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing Suntrust services.

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 2022-03-23
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a written job offer and XXXX form from XXXX XXXX. On XX/XX/XXXX I received a check ( {$2200.00} ) from this company to deposit to purchase " software '' from their " vendors '' that I need to do the job. On XX/XX/XXXX I received another check ( {$3400.00} ) to purchase software. I deposited those checks and sent money to " vendors '' ( {$1700.00} ) to a person named XXXX XXXX, via XXXX. On XX/XX/XXXX I sent {$500.00} via XXXX XXXX to a XXXX XXXX ( another " vendor '' ), phone number ( XXXX ) XXXX, email XXXX. It turns out this was ALL A SCAM, THE CHECKS WERE FRAUDULENT and all of my personal funds were taken as well. Wells Fargo allowed the {$2200.00} check to be available, NOT ME. Now I'm being told that I owe them that money and they are harassing and coercing me telling me they are going to put me on the blacklist for banks and also they will run my credit ( harassment and coercion ). I have had no money since XX/XX/XXXX. The person who was giving me all this information was a XXXX XXXX ( via XXXX ). The person who sent me the job offer was XXXX XXXX at XXXX XXXX. I NEED HELP!

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 2022-03-23
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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 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 2021-05-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX and Experian should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2023-03-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Chase Sapphire Reserve credit card for a military moving deposit to XXXX XXXX XXXX as XXXX separate transactions, {$2500.00} on XX/XX/2021 and {$2200.00} on XX/XX/2021. 

The contract was to pay for moving BY WEIGHT. This was agreed upon up front with the moving company because the US Army was to be reimbursing the move as an XXXX XXXX XXXX  move and they only reimburse by weight and not by volume. 

On the day of the move XXXX XXXX XXXX contracted the pick up to a third party company who loaded the truck then gave an estimate for more than double the price as charged by volume. I called the coordinator to dispute this who would not help. The third party moving company than tried to extort me for {$1000.00} in cash to get my stuff back off the truck requiring me to call the police. The movers eventually agreed to take my stuff back off the truck under the threat of being charged with theft by the present police officers. 

I did not request to cancel the move. I wanted the agreed upon charge by weight but XXXX XXXX XXXX treated it as I willingly cancelled the move and refused to refund me the deposits. Chase refused to chargeback my deposits saying while I may have a valid dispute with the merchant, they were valid charges despite the merchant not adhering to the agreed upon moving charge by weight and not volume. I tried to contact the merchant who even has it in their contract that deposits can be used for future moves if not returned and they do not return any of my emails or calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: ALLY FINANCIAL INC.
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on or afound XX/XX/XXXX, i linked my ally bank savings account to my daughters, in order to transfer money to her. there was no indication on the tranfer link page to indicate that this was a prohibited transaction, and the link was processed. that led to my accounts and even my access to those accounts at ally bank [ including investment accounts ] being frozen. 

the lack of a single sentence stating that links to accounts i did not personally own were prohibited, or a simple rejection of the link would have prevented this problem, so, to me, this was a problem of ally bank 's creation. 

many calls to " fraud prevention '' at ally ensued. it took a week to renew access to my own money. i still have no access to my investment accounts [ which have had absolutely no activity ] as of today, XXXX XXXX. 

one of the most frustrating aspects of this was the non=responsiveness of customer service [ bank, fraud prevention and investments ] to requests to speak to supervisors, managers or corporate officers. i was not allowed to speak to the person [ XXXX ... no last name ] " investigating '' the case, which could not have been simpler, and, as i said above, basically a problem of ally 's own creation. 

i was, and continue to be denied access to my own money for what is now over 2 weeks. i find it hard to believe that such a practice could be acceptable. if ally needs more employees in order to resolve these matters in a timely way, they must hire them. in this case they could have presented the problem by simply including the necessary information on the transfer page, or simply voiding the request

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone filed for unemployment in mine name in 2021 i did not do this. Also wanted to see if there is wrong stuff on 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 explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MO
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:
Subsequent to contacting each I f the complanies who have pulled a hard credit report and sending a copy of ny ploice report they refuse to remove hard iquires. 

Request you romove hard inquiries as i did not authorize them and i am a vitem of identity theft. This my third request Additionally i only lived at XXXX aadress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove all other addresses. 
Pleas corect my name to XXXX XXXX I HAVE NO OTHER NAMES PLEASE REMOVE ANY OTHERS REMOVE THESE HARD IQUIRES listed on report # XXXX of XXXX XX/XX/XXXX as they are id theft ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MD
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$27000.00}

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 explanation
Consumer complaint received 2021-06-30
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a payment to my wife, as I do often, in the amount of {$1100.00} on XX/XX/21 The payment was allowed to be sent by Chimes online app, however it did not notify I had exceeding sending limits. So at this point I had sent the money, but the recipient was unable to receive it as it stated I was over my " {$1000.00} send limit '' despite Chimes own website advertising a {$2000.00} send limit. So even were I to have done the math prior to sending I still should not have been over the advertised limit. I spend well over 30 minutes on call, majority of which was in an XXXX or on hold, with foreign employees trying to resolve this. After requesting a supervisor the employee refused to let me speak to a supervisor. I informed her I would be filing a CFBP complaint. Ultimately I had to be refunded the transfer as otherwise my money would just sit in limbo. With other banks if I am over my transfer limit it is made clear and actively prevents me from sending money when that is the case. I recommend using a physical bank or credit union, and using XXXX to send money. Do not trust Chime. They don't have representatives who can properly handle your issues or stateside management to address your needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CITIZENS FINANCIAL GROUP, 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 has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Transunion is listing an inaccurate DOB on my credit file. I logged into their system in order to dispute it, and they do not allow customers to dispute this information. Otherwise, I would dispute it and would upload a copy of my birth certificate or my driver 's license.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
You opted to not respond to my dispute letter and, therefore, you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter.

Now, under 15 U.S.C. 1681i, of the FCRA, it states that all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately.

You are also required to send me a copy of my credit file showing that these items have been removed.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
account name account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRIES I DID NOT APPROVE 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