BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF XXXX 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 account under a 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 2023-10-25
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a direct deposit to my WellsFargo checking account and it still has not posted after 3 business days. Direct deposits received before 2pm are supposed to post the next business day. What happens is WellsFargo shows the customer " available '' funds face up when logging into the account, but what is shown is actually not true. In the background, the account has a lower balance than what WellsFargo shows the customers when funds are " pending '' and not " posted ''.

This has been an issue for me in the past where WellsFargo has charged fees for overdraft even when showing me that I have available funds. No one on the phone was able to help. I had to go to branch manager and it took several conversations and over an hour to straighten out the situation. 
Again, WellsFargo is not posting direct deposit funds in a timely manner.

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 2023-04-10
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.

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 2023-04-10
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXXXX/XX/XXXX, US SM BUS ADMIN ODA XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-12-07
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I contacted Citimortgage in advance about modification, I knew I was going to have XXXX  XXXX & be on XXXX I specifically put off XXXX for possible modification. I was not late or behind any payments, I was just wanting payment lowered during my XXXX. In XX/XX/2018 ( loan still current ) I spoke with XXXX XXXX Citimortgage who informed me I was approved for trial period of 3months. She advised me to " check with credit bureaus to see how this will impact your credit score '' before I decided to go through modification. My FICO was approx XXXX. I contacted all credit bureaus who informed me they had no control of that & could not tell me how that would affect my credit. I was very thorough in why I was asking & how my mortgage company instructed me to do so. I followed up with Ms.XXXX  informed her of what ALL 3 credit bureaus said, was clear that i was not late, and if i could make my regular payment during the trial period ( XXXX, XXXX, XXXX ) to avoid any negative reporting. She assured me if I made payments on time as scheduled that would not be a problem. I would never have agreed to such damage to my credit score for 3months of savings. I firmly believe not only did Citimortgage failed due diligence as did credit bureaus. I was specific as to how important my credit score was. In addition to " only three months trial period '' Citimortgage sold my loan to XXXX effective XX/XX/2018. XXXX has also been reporting me as late adversely affecting my credit. I did everything I was suppose to do, my lender failed to give me all correct or clarify information given as did credit bureaus. XXXX has continued to show my account delinquent inspite of all communication I've had since XX/XX/2018. I pray for your assistance in this matter, I truly feel mislead & misinformed by both there is nothing more in could have done but call repeatedly asking for information making it clear that my primary concern was protecting my credit, hence my original contact with Citi regarding my anticipated financial situation far in advance to the point of neglecting my health to make sure all was resolved before I proceeded.

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 2022-05-01
Company: Experian Information Solutions 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:
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 any payment on a credit card account under a 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 2023-08-14
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023 I took advantage of an offer from my credit card with Chase Visa, called My Chase Plan. This took a large purchase of mine from XXXX in the amount of {$580.00} and broke it into a payment plan of {$32.00} over 18 months, which I accepted. My obligation was to pay the " Interest Savings Balance '' each month, which I complied with. However, because of the way Chase deceptively handles its bookkeeping on various transactions, money was funneled from other credits or purchase cancellations on my Visa account into paying off my payment plan in two months. In essence : Chase took money due back to me on my Visa account and without my authority, paid off My Chase Plan. This left me in a far worse situation in the months following because I had incredibly large purchases in XXXX and XXXX. My Chase Plan is a deceptive marketing ploy that has left me financially worse off than I would have been without it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US Auto went out of business and sold our contracts to a 3rd party collection agency. With the selling of the contracts many of the agreements were broken such as warranty, gap insurance, etc. The 3rd party company our contracts were sold to does not have the same amount owed, they are unable to honor any of the agreements that were made between is the customer and US Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have spent over {$900000.00} in credit card charges over the years with Citibank. I pay my balance off monthly. I bought a large condo which I planned to remodel and wanted to keep the charges all on one account so I took out a double cash credit card. I thought getting 2 % cash back would be an added benefit. When I received the card I only had a {$10000.00} limit. I called to ask for an increase. I have excellent credit but they said noI had to wait 6 months. I started using the card and when a charge came in I would pay it off so I could make more charges. They immediately started declining charges even tho I had XXXX balance. After many conversations and getting different answers I got on a 3way conversation with my bank as I was told paying off my charges so quickly was suspicious and it could be drug money. The bank verified who I was and I thought that would clear up any questions. Well it didnt. I was then told it was because the business making the charges wouldnt accept the money. None of it makes sense. I have decided they want to hold your limit so they dont have to pay the 2 % by only letting you charge only {$10000.00}. Nothing is said about that in their advertising. I feel that is fraudulent on their part. I am very disappointed in Citibank. I might add I am an XXXX year old female widow

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 to fair credit reporting act the following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC168. 
XXXX account # XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section A. states that I have a right to privacy 15U.S.C 1681 section 604A section 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) secret also States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antdates the report by more than 7 years.

15 USC 1681s2 a1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if a 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 2021-07-27
Company: AES/PHEAA
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: Information belongs to someone else

Complaint:
On today XXXX I checked my credit and seen some thing on there I did do. 

Account Name : XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, 1 Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This concerns a XXXX  master card. I never received an XXXX statement. This is a new account for me. So when I INSISTED they send me a copy of the statement,, they finally did. With charges I dont recognize, and can not verify. For example, there are XXXX large supposed purchases on the same day - XX/XX/XXXX, to XXXX XXXX. They wanted me to make a payment over the phone, without even having looked at an actual statement! There is something very fishy & corrupt going on here. I feel that I have been treated unfairly, and bilked. Once I had gotten the statement, I was no longer able to contact the company. I am unable to make a copy of this statement to you, as my printer isnt working. I can get that info to you some other way, if you need it.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: MS
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: UMB FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/2022 - UMB XXXX - never applied for credit XX/XX/2022 XXXX XXXX XXXX XXXXXXXX - never applied for credit XX/XX/2022 - XXXX XXXX XXXX - never applied for credit XX/XX/2022 - XXXX XXXX - XXXX inquires in last XXXX XX/XX/2022 - XXXX XXXX statement XXXX Never worked with XXXX XXXX or applied for credit or deposit accounts XX/XX/2022 - First XXXXXXXX XXXX XXXX  - never applied for credit XX/XX/2022 - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX in their possession. I've never applied for credit with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX Account XXXX I purchased a cell phone from XXXX in XXXX or XXXX, 2023. I am an XXXX old XXXX woman who forgot her user name and password and locked the phone. I went to XXXX and they were adamant that there was nothing they could do and I would have to pay for a phone I can not use! I wrote Corporate and got the run-around from them saying there was no way they could unblock the phone. I have been paying on this for several months now and my balance is {$350.00} for a phone that does not work. I feel this is entirely unfair, plus now they have a debt collection agency sending me bills. My credit rating is most important to me and if you will check, it is in the XXXX 's. Is there any way you can help me? I feel I have been treated very unfairly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX, XXXX I had my accountant try to create an amortization schedule to match the loan monthly payments on an RV that I purchased. He was unable to so I called the bank. The first call was XX/XX/XXXX. The bank refused to discuss the loan and said I had to go to the dealer that sold me the vehicle. Between XX/XX/XXXX and XX/XX/XXXX, I made 6 calls to the dealer and three to the bank none were ever returned. Two additional calls that made where I manage to speak to someone at the bank customer service yielded no amortization schedule or any additional information. On XXXX XXXX XXXX I made my first payment and the ENTIRE amount was applied to interest. It turned out that the loan ( not known to me ) was a simple interest loan. I found this out In my conversation with the bank on XX/XX/XXXX, XXXX ( the customer service manager ) told me that the first payment was 45 days long. They did that so ( as he said ) I had time and money to register the vehicle. I did not ask for that time and the result was that I was charged an additional {$750.00}. in interest. Then in XXXX I paid extra money against the principal. The payment was made XXXX.The bank did not apply the principle to the loan until AFTER they calculated the interest for XXXX. That means I was charged interest on a the {$400.00} I paid towards principal. XXXX admitted that " yes the bank makes more interest this way but that is what we are business for ''. Now that the loan is fully in effect BMO Harris Bank is willing to send me an amortization schedule, XXXX said he would even wave the {$10.00} fee ( yeah ) .He further told me that I should have looked at the truth and lending statement. I said who would sit down and try to calculate the interest on a 20 year to make sure it agrees with the tota shown on the truth and lending report. I believe that the 45 day period on the first payment is to cover the money XXXXXXXX XXXX ( the seller of the vehicle ) gets form the 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 2021-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: VW Credit
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 status incorrect

Complaint:
XXXX  has account number XXXX with XXXX/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!

Company response to consumer: Closed with explanation