BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was victim of fruad went through the fruad department they cleared me of any involvement and reinsured me I wouldn't be liable for the charges to my credit card through Wells Fargo they set me up with new card XXXX account info but then at a later date and time the reinstall the same charges for the fraudulent activity which occurred on my account it's been damaging my XXXX XXXX it was significant amount like XXXX dollars on my credit card and as well. They denied me a refinance loan during the peak of the pandemic which ultimately resulted in the foreclosure and lose on my childhood home which I inherited from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time was in the low XXXX and the home had been completely paid out right for from my mother 's life insurance policy after her XXXX  well ultimately resulted in lXXXX XXXX XXXX XXXX  so I have been homeless ever sense XXXX  and the house foreclosures for the ridiculous amount of XXXX $ and they sold the home for XXXX $ and me and my family XXXX loved ones whom rightfully deserved that money and that property were left with absolutely nothing Wells Fargo is by far the absolute worst bank XXXX ever put my trust in or faith that they were a reputable company they ruined my life not to mention that life wasn't already hard enough for me growing up without my mother or parents at such a early age the struggle is beyond words could explain my life 's journey has been completely dismantling and seemingly a total lose I literally have nothing now thanks Wells Fargo

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 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
On or around XXXX XX/XX/XXXX I filed complaint XXXX regarding an American Express account ending XXXX in my XXXX credit file XXXX As result, XXXX disputed the payment history. XXXX responded on or around XXXX XX/XX/XXXX claiming AMEX verified the prior payment history was being reported accurately. AMEX has been notified directly of the issue with the prior payment history on multiple occasions, the last of which was in CFPB complaint XXXX. AMEX provided a table of the payment history they are furnishing for the account in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. That table shows payment history and payment status that any reasonable individual would conclude is false/misleading/inaccurate on its face. No account can change from being thirty ( 30 ) days to one-hundred twenty ( 120 ) days past-due over the course of a single billing cycle, ironically the number of days after-which AMEX would then be able to charge-off an account. Moreover, if AMEX alleges the account was charged-off on or around XXXX XX/XX/XXXX, then no reasonable individual would expect AMEX to furnish information claiming a Date of First Delinquency of XX/XX/XXXX, and reoport a charge-off for the first time neraly two ( 2 ) years thereafter in XX/XX/XXXX. By law, AMEX was required to report the status of the account to the CRAs with the correct delinquency information leading to charge-off not more than ninety ( 90 ) days after the change from balance to loss. Yet, that is not what the table of payment history AMEX provided indicates. It shows the status first reported XX/XX/XXXX. Just because AMEX verifies the information it is reporting is accurate doesn't make it accurate, especially if a reasonable individual can clearly examine the information and identify why the information being furnished is inaccurate. AMEX knows or has reasonable cause to believe the information it is furnishing is false/misleading/inaccurate. XXXX has a duty under the FCRA to report accounts with maximum possible accuracy and to remove information, even whole accounts/tradelines that are erroneous. There is no reasonable explanation XXXX can provide that argues false/misleading/inaccurate data is " accurate. '' Now, XXXX claims in the response they provided non-monetary relief, claiming " XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. '' If that were true, then XXXX would clearly see why the account/tradeline needs to be removed and promptly remove it because the data is false/misleading/inaccurate on its face. XXXX has provided zero ( 0 ) relief as the account/tradeline continues to report the same false/misleading/inaccuarte information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft Within four business days after receiving your request, the credit reporting company must block that information from your credit report. In addition, they must tell the companies that provided the information that someone stole your identity. Once notified, creditors cant turn identity theft-related debts over to debt collectors. 

Four days has passed in regards to this matter the following accounts have not been removed from my credit report. This is my third attempt regarding this matter. 

Accounts : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) It takes 30 days for incorrect reporting information for a dispute process. It takes 4 days total for identity theft victims no investigation is required for this matter with proper documentation this is defamation of my character and I will presume legal action if necessary to the highest extent of the law.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  - XXXX, CXXXX 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 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 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-30
Company: Cooling & Winter LLC
State: FL
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:
Ex-Husband opened XXXX XXXX card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called XXXX and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to XXXX and their lawyer ( collection company ) Cooling and Winters ). He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with Cooling and Winters and XXXX at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: WELLS FARGO & COMPANY
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:
Wells Fargo is reporting wrong information on my account. They have the wrong address wrong phone number wrong employment Ive never even worked at or had that phone number. I am asking for drivers license copies that were done at signing that would prove this address is valid. Ive never owned a house in my life and thats on public record they have me down as a homeowner. They have me down for a salary of {$2500.00} at XXXX XXXX  where I never work. I also never worked at XXXX nor do i know what that is. I am asking for this erroneous information to be deleted from my consumer credit report 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 2022-11-21
Company: JPMORGAN CHASE & CO.
State: WA
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:
Dear CFPB, Claim : XXXX XXXX  : XXXX Amount : # XXXX Please help me with a dispute with Chase XXXX Chase is not helping me. They keep the case for so long without a temporary credit and eventually just deny the claim without reviewing the documentations. I originally submit the claim on XX/XX/2022. They gave me a temporary credit right away, however, in late XXXX, they reverse the credit without a notice to me. I called them and they said the merchant provided them with document saying the charge is valid. They without letting me know and give me chance to response to it, closed the case. I then sent in more documents to response to the merchant. I pointed out the non-sense part of the merchant response. Most of this response are automatic and does not answer my dispute reason directly. 

I order a XXXX XXXX from them, and they sent me a XXXX XXXX. I then contacted them to request for a return label and ask them to check the camera to see if they sent me the wrong item. They eventually confirmed me in one email saying that they sent me the wrong item and provided me with a return label to return it. The return label says 3lbs on there for the weight and I questioned them right away. But they explained to me that, that's just pre-label, and every return label for this category of product would say the same 3 lbs since they have contract with XXXX  for cheaper rate. See the documents for your reference. 

I then returned the item. They received the item and never process a refund for me. I dispute with Chase, and they response to Chase that because the item I sent back is 3lbs and the item they sent me is 8lbs, they can not process the refund. In fact, those weight are not accurate since they are all type in number just for the label. Chase got all the documentation and I think those are too clear for them to decide what to do, and it took them 3 months, and they got back to me today denying the claim. I don't even think if they even worked on it. They just denied it. 

Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX has violated my Rights 15 usc 1681 Section 602 States I have the right to privacy.

16 USC 1681 section 604 A section 2 : it also states a consumer Reporting agency can not Furnish an account With out 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 2021-09-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I used the lender XXXX XXXX XXXX  in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. XXXX XXXX took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX XXXX XXXX illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, XXXX, and Experian. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and Credit acceptance. For every incorrect and inaccurate reporting. Under the laws of Arizona, UCC Article 6 47-9601-47-9628, most notable 47-9623 and 9625, and State RISA and MIVSA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.

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 2022-11-22
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was called by who I thought was XXXX XXXX and was talked about returning an order I had placed. They told me they were going to help me refund the money and had me download an app called " XXXX ''. Because I thought it was an XXXX XXXX I was speaking to I followed what they said and downloaded the app. Once the app was downloaded they told me to give them the access code I did, and it gave them remote control of my phone, at the time I was unaware of this. Once they had control of my phone they opened my bank app the password was automatically filled in because I had face ID enabled. They were able to transfer {$390.00} without my knowledge in a concise amount of time. Once I realized what had happened I immediately contacted my bank and told them the situation. I feel because of the language barrier they had a hard time understanding me and didn't look into the matter as seriously as they should have. I tried calling them multiple times but each time I felt that the didn't properly understand what i was trying to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX Halstedfinan Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Halstedfinan Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I enrolled in the Freedom Debt Relief, program, for 2 years I paid the monthly sum of {$350.00}, I was assured that my debt would be substantiated In 2018, I sold my home, I enlisted the aid of a real estate attorney to finalize the sale, upon finalization of the sale said lawyer insisted I use the proceeds for the sale to pay my debts, upon revealing my initiation into the FDR program, the lawyer denied my use of the program an insisted I pay my debts, When I reached out to Freedom Debt Relief, they refused to reimburse the funds and didnt substantiate any progress, and bitterly ended the call. Stating we have to be paid! 
I believe XXXX, took my money, and didnt payoff any of my debt, alas, I am at this point trying to establish the assistance of said real estate lawyer and they are refusing me any assistance as well as retaining, monies held in escrow Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a chase customer for over 10 years. I had 2 credit cards with chase, a Slate card that I had for 10 years and a Sapphire card that I recently received in XX/XX/2018. In XX/XX/2018 I submitted multiple applications for chase cards that I took interest in to help built my credit score and profile. At the time I only had my Chase Slate account reporting on my credit. Shortly after that I found out that Chase cancelled both of my account and when speaking to a representative of chase they told me they cancelled them due to me applying for multiple applications and due to they noticed an increase in spending on my account. I was confused by that comment because my Chase Slate card was paid off and for my Sapphire card I was only spending 17 percent on my credit limit. I found out my Sapphire card was closed when I tried to purchase an educational course and was declined. I really Love chase and I was very happy to be a customer of theirs. I was very sad to see that my accounts were close after 10 years. And due to that my credit profile has really taken a hit.

Company response to consumer: Closed with explanation