BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX  - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediatelyunder 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C.

1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX  - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediatelyunder 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this 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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 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 2021-06-17
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Chime Financial, received my tax refund ( {$32000.00} ) that I have literally been waiting for 2 years due to delays and a typo I finally got a tax advocate who assisted me in filing an AMENDMENT XXXX which the irs received on XX/XX/XXXX and issued my refund for an original deposit date of XX/XX/XXXX which Chime revd earlier. I try to use my card and its locked I try to log into the app, but it says to contact review @ Chime. I instantly call them and soon as I get home send them everything from my ID front and back social security card, utility bill for proof of address, my XXXX form and my entire IRS TRANSCRIPTS ( why ask for my transcripts if youre going to XXXX and not READ THEM ) that list when the original return was filed and the amended return as well as the REFUND ISSUE DATE and INTEREST payment which XXXX be credited on XX/XX/XXXX into this same account as well soon!!! The REVIEW TEAM that only responds via email keeps asking me for a XXXX XXXX completed form that doesnt APPLY TO THIS DEPOSIT because I FILED AN AMENDED RETURN which is a XXXX on my XXXX Taxes!!!! Its bad enough Ive had to wait XXXX long years for my money and now they are causing even more of a delay to my XXXX XXXX especially at a time when Im pretty much homeless and dealing with a XXXX child. I need my account off hold IMMEDIATELY. IVE BEEN USING CHIME FOR MY TAX REFUND FOR 15 years now and never had a problem until now and what I dont understand is the XXXX IRS XXXX XXXX comes with my SOCIAL SECURITY # attached to it so please explain where the discrepancy is!!! These ppl have everything they need to clear HOLDS off my account but the lack in COMPETENCY AND LIMITED COMMUNICATION MAKES ME REALIZE AFTER THIS I NO LONGER WANT TO DO ANY BUSINESS WITH THIS ONLINE BANK! XXXX XXXX to using XXXX XXXX and XXXX XXXX ; chime was only used for the convenience of EARLY DEPOSIT not because I couldnt bank elsewhere. Now its the XXXX day for a XXXX bank & XXXX XXXX tickets open said it only takes XXXX to review & STILL NO ACCESS to my funds!!!! The redundant and incompetence of such a company dealing with my money is purely disgusting...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: SC
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 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 explanation
Consumer complaint received 2021-06-16
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Navy federal credit union made me purchase insurance separately. This has become fraud on behalf of navy federal credit union for willfully concealing this information that Truth-in-lending states in 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The restarting of student loan payments has been a COLOSSAL DISASTER, and the fault lies on the XXXX, for not funding these servicers, and the incompetent servicers themselves. Im accruing about {$30.00} a day in interest and they are not processing my SAVE plan application, which would pause the interest, nor telling me when it will even happen. This is completely unacceptable. They have a massive conflict of interest because the more loans they service, and the longer, the more they get paid. I have Nelnet. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: AMERICAN EXPRESS COMPANY
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 was scammed on Saturday, XX/XX/2021. I immediately reported to American Express that my card from them had been compromised and to stop all charges made that day. I called the police department and filed a report with them on th same day. I called and gave the police report number to American Express and they then told me that I would have to wait on them to investigate. I never heard back from them. I proceeded then to write a letter to them and sent it to 3 different American Express offices. The first was sent to American Express, XXXX. XXXX # XXXX, XXXX XXXX, CA XXXX. The second to American Express Sr. Acct. Exec. 
American Express XXXX XXXX, XXXX XXXX XXXX, New York, XXXX XXXX XXXX. And a third to American Express XXXX XXXX. XXXX # XXXX, XXXX XXXX, TX XXXX. I sent these three letters on the same day Tuesday, XX/XX/2021. On XX/XX/XXXX, I received a letter from American Express stating that the {$400.00} unauthorized charges where credited to my account. Then on Monday, XX/XX/2021 I received a second letter saying to disregard the previous letter on my fraud dispute. My complaint is that it is not fair to say that they would credit my account the unauthorized charges and then turn and renege on what they said they would do. Attached are all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 this account ( A ). It is not permissible to fail to validate this reporting account 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 : {$360.00}

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 2021-12-08
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX the federal government issued EIP3 payments through direct deposit, I recieved both my EIP1 and EIP2 payments to my correct checking account- but did not receive my EIP3 payment. 


I immediately filed a payment investigation with the Department of Treasury and the Bureau of Fiscal Services. I engaged both Tax Payer Advocate XXXX **** ( Case # ******* ) and Congresswoman XXXX XXXX via XXXX XXXX XXXX as Wells Fargo Executive Offices were unresponsive in completing the payment investigation with these federal agencies. On XX/XX/XXXX I recieved a response in regard to Congressional Inquiry ******** from Wells Fargo Case Specialist B. " Black '' advising that there was no record of EIP3 payment being deposited into my Wells Fargo Checking account ending in ****. This information was not sufficient for the U.S. Department of Treasury and the Bureau of Fiscal Services as they had confirmed that the payment was not deposited into my account ending in ****, but rather deposited into account **** which is completely unrelated to me.

This balance deposited into an alternate account incorrectly, and the amount needs to be recaptured and sent back to the Department of Treasury or the Bureau of Fiscal Services in order for correct payment to be reissued and sent to me. These federal agencies will not reissue payment to me without Wells Fargo 's cooperation in confirming they were sent and successfully deposited to the account in question and then sending the funds back. 


Due to this mistake I have not had access to {$4200.00} in emergency government funds throughout the pandemic. This issue, unless resolved will also create additional problems in the upcoming tax year.

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 2023-10-14
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/XXXX : I completed SAVE application to begin paying loans for the education I received. Note that I am approved for {$0.00} payments until XX/XX/XXXX, which is 15 months from the time this application was completed. Said differently, I am not required to pay anything for another year due to my situation. 

XX/XX/XXXX : XXXX weeks after my SAVE application had not been finalized by Nelnet and 3 weeks since their last update on my application, I submitted a CFPB Complaint regarding the change in my plan, monthly payments, and for clarification on any information they may require for me. Note that Nelnet promised they would provide 10 day updates and it had been 3 weeks since their last update. 

XX/XX/XXXX : Nelnet responds with completely misdirected information about my current plan, all of which I am fully aware of. They provided no helpful information related to my CFPB Complaint. They proceed to tell me my current payment which I already know through my account and do not need any specialized advice for. The complaint I submitted previously should not have been closed because no useful information came out of Nelnet 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Harris & Harris, Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted them on their website multiple times in the past month. I do not owe any debt except for my mortgage. They need to stop calling me. They have been calling the past 6 or months ; it's ridiculous. 

XXXX XXXX XXXX Harris and Harris of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: IL
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:
The mortgage company didn't provide a legitimate consideration or accounting request. A mortgage contract requires both parties signatures they never signed with a wet signature

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 2023-12-13
Company: EQUIFAX, INC.
State: MS
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:
I have contacted all companies to remove inquiries and have also frozen my credit report with filing out forms for ID theft These are some companies that have used my information without permission 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 2023-10-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo fraudulently and sinisterly said my account was overdrawn when it never was. Wells Fargo fraudulently and deceptively advertises an available balance based on direct deposit that they then arbitrarily decide they dont want to honor as part of a sinister conspiracy to harm the customer to benefit the company. Wells Fargo needs to quit fudging customer accounts as part of a conspiracy to harm them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation