BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: NY
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 has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.

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 2022-05-31
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed for over XXXX grand I tried to dispute the charges to get my money back from the bank chime and they refuse to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
This is about the capital one data breach, class, action lawsuit. Ive had an account with them for several years and knew nothing about the class action lawsuit until I saw something saying that people gotten paid for their information been breached. I contacted them letting them know that I never received any information about the lawsuit and I was told that an email was sent in XX/XX/2022, and that it was too late for me to be added to the lawsuit. The representative could not provide the email address that the said email was sent to, and of course I have no email from Capital One saying anything about a class action lawsuit I was never told about the lawsuit. I was informed that it was too late and there was nothing that I could do because I missed the cut off date. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Accounts.XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX, # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXXXXXX XXXX # XXXX. Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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 a account without my written instructions. 
15 USC 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 explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2021-06-17
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XX/XX/2020 I filed a partial bankruptcy on XX/XX/XXXX it was dismissed. I have contacted LexisNexis and XXXX and XXXX. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: VA
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:
I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
In 2007 I opened accounts with Wells Fargo. Last month I received a statement stating that I could be reimbursed money from the accounts. I lost the letterhead but would like to receive my compensation, if its possible.

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 2023-08-09
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: Information belongs to someone else

Complaint:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer NO CONSENT IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-09-26
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Three complaints have already been submitted. Open complaints are XXXX submitted on XX/XX/XXXX and XXXX submitted on XX/XX/XXXX. XXXX was submitted on XX/XX/XXXX but closed without any proper resolution by US Bank XXXX 
This will be the third open complaint ; I wish open complaints could be supplemented so that it is available to the bank in 1 place. Last update yesterday was I called the fraud department and found out that money will not be returned unless XXXX XXXXXXXX XXXX submits new documents that US Bank has asked for. This is a completely new requirement and through my client company I contacted XXXX. They replied by email that " XXXX XXXX Department hasnt received any updated request or correspondence from US Bank at this time, US Bank still has the funds and needs to credit XXXX XXXX accounts. There is nothing we can do unless US Bank sends the funds back ''. Alarmed I called today and was told that the fraud back office in US bank is working with a secret department in XXXX and hence XXXX department is not aware of that. I was told to call back after 1 week on XX/XX/XXXX and hopefully the situation will be resolved by then, there is no guarantee. Also documenting that I am waiting from XX/XX/XXXX to get paid for work that I had done and XX/XX/XXXX will be 2.5 months and all this time the money had been lying with US Bank.

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 2021-06-17
Company: Certegy Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a collections agency claiming to have purchased debts from Certegy, a company I have never signed up for or heard of. They claimed the charge was for some payment that didn't go through on my bank account 5 years ago and said they've been trying to get ahold of me. This is literally the first time I've heard of it ; they claim they've been sending mail to MY CHILDHOOD HOME ADDRESS, and are therefore " very disappointed ''. I asked why I was never told about this debt. They claimed the business who charged me would never have told me and there was no way for me to know ; they claimed it happened 5 years ago and they've attempted to mail my childhood home to tell me. Then, they went on to tell me the charge is for $ XXXX. I've already paid my debts off around my life ; they are now telling me I have some ghost debt for $ XXXX of course, and when I went to the records to see the charge they claim spawned this whole thing " that I wouldn't have known of '', it was a receipt for {$15.00} on XX/XX/2016. 

I told them this is crazy ; I will not be paying $ XXXX. The company is called XXXX XXXX XXXX or XXXX for short, phone number XXXX XXXX address : 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 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX funds in the amount of {$800.00} were fraudulently withdrawn from my account using a third party ATM machine. This withdrawal was not authorized by me and I notified Bank of America immediately. I had my debit card on me so the only way this could have happened is someone duplicated the card and stole my information. Being an account holder with Bank of America I trusted them with my personal information but records show sensitive client information has been breached and compromised before. On XXXX Bank of America provided a temporary credit adjustment while they " Investigated '' on XXXX Bank of America closed my claim XXXX not in my favor with the decision " Unable to pay '' I called them immediately and demanded answers and requested back-up/proof, evidence any substantiating documents to corroborate their decision and justify the claim determination. Since XX/XX/19 I haven't received anything in the mail or phone call providing me updated status. I spoke with XXXX XXXX XXXX XXXX XXXX who assured me this would be taken care of. I emphasized the importance of the required documents I needed to provide to my lawyer, but I haven't heard any follow up. We only spoke to confirm that it was actually me who filed the complaint with the CFPB. I have attached all the documents related to this complaint for your reference. Your immediate help and assistance in mediating and resolving this complaint would be tremendously appreciated.

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 2022-01-10
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm dealing with a mortgage company called XXXX who is serviced by loancare. 
I had severe damage during the winter storm in texas that was a national disaster and have been going back and forth with them for months. I now have my property repaired to 85 % but I still have no kitchen counters or cabinets. They will not release any portion of the final check for {$5700.00} and and are holding back at least {$1000.00} from another check. 
I need at least {$5000.00} for my XXXX to finish the work. 
So now I have to pay out of pocket.

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 2023-10-13
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Late XXXX, XXXX I received a collections letter from Kimball , Tirey & St John LLP. This letter only gave an amount owed with no information on the supposed debt, other than the money owed was to XXXX XXXX, a property located in XXXX XXXX, CA. I called the collector for more information and to state that the debt was not mine. I requested a copy of the rental agreement, but was denied, stating that they can not provide evidence in a case against me. In order to dispute the claim they request copies of my drivers license, social security card, utility bills and mortgage statements, to prove I did not live in said property. 
In the first week of XX/XX/2023, I physically visited the office of the debt collector. I was not allowed into the office, but someone met me in the hallway. Again, they refused to provide me any documentation of my file, but he went in and provided me with a generic spreadsheet of monies owed to the property, XXXX XXXX. 
I attempted to contact XXXX XXXX, but the receptionist could not locate my file, I was told a manager would return my call, but this did not happen. 
XX/XX/2023 I followed up on this matter with the collector. I called and again requested a copy of the rental agreement. This person agreed to send it out. 
XX/XX/2023 I received a copy of said rental agreement for XXXX XXXX XXXX, which has no information proving this is a legitimate contract with myself other than my name typed once in the header. There is no actual signature, it is an electronic signature. There is no copy of any identification on the rental agreement. No proof of any rent payments or attempts to collect any past due payments. Furthermore the supposed move-in date is a year prior to the rental agreement. 
According to the rental agreement, the Property Manager is XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. And the authorized landlord of the property is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Please see the attached documents to understand what had happened.

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 2023-09-09
Company: Conduent Incorporated
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
To whom it may concern : I received child support money on the way to go program debit card, third-party of child disbursement center of Illinois. The amount of {$220.00} was supposed to be put on the card XXXX XXXX was put on there and also cleared the same day to go to my XXXX XXXX account as it was set up for an automatic transfer. 
However, this information was put in wrong either through the app which mine shows 10 digits. I cant see all of it or through the way to go program or through the bank not sure about the funds were never put in my bank account. They were put into a wrong bank account. I want to just received the funds that are due to me. I have attached a letter of the complete complete description. 

I am also be in charge an out-of-state fee to use ATMs or go into the bank to a teller. I have include paperwork to show that thats clearly states out of state and then I also have attached places in my area that are allowed to be used for that debit card and today as of XXXX XX/XX/XXXX. I was still charged a fee and I am still in State.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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