BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraud Activity on my Wells Fargo Debit Card, Now my account is negative XXXX. 

These are all unauthorized and i have no idea how this happened. 

Never had a problem with Wells Fargo before, my card was used without my permission Transactions going to XXXX and ATM WITHDRAWALS., Fraud Deposit into my account as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing about my recent credit score drop. I have had an excellent credit score for the past 10 years. Recently I was in a wreck and totalled my truck. I do have another car loan through the same financial institution ( XXXX XXXX XXXX XXXX ). I also have 4 credit cards. All in good standing, never missed a payment. After my truck got paid off by insurance company and my credit score dropped XXXX points!!!!!! Can not get an answer from transunion or other credit companies.

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 2021-12-24
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
On XX/XX/2021 there was four inquiry on my credit report from the companies listed : XXXXXXXX XXXX XXXX, Capital one auto finance ( finance ), XXXX XXXX ( finance ), XXXX XXXXXXXX XXXX that i do not recognize. I have dispute them with the companies and also XXXX, XXXX, and XXXX has verified and remove the inquiries from credit report but XXXX and XXXX will not remove them. Even though i have put a fraud alert on all 3 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account has recently been closed due to inactivity. It is XX/XX/2021, I have owned a chase account for more than a year and would always have my school and work checks deposited into the account. Recently I have started up a business which calls for me to take money via XXXX app so most of the time I just let my money sit in there. On XX/XX/XXXX, I was hired by a company that would have required me to have a direct deposit account on file. I logged in and at that time was able to retrieve my account as well as my routing number. On XX/XX/XXXX, I tried to login my account once again to check the balance and see if my check had hit early before XXXX. When I logged in it showed that I no longer had any account with the company. Therefore I called to see if the problem could be an easy fix. Not only was I hit with rudeness and negligence but flat out just being lazy. I begged and pleaded with a manager to try and help me because without this expected money I will not be able to purchase gifts for my XXXX XXXX XXXX daughters FIRST XXXX. At that point, I was given the option of going into a branch but that is not possible as of right now for me. Chase intends to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions 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:
I know that under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX  ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$18000.00}.

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 2021-12-24
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have a Coinbase account. The password reset function on their website and app did not work ( the link via email would send me to Coinbase 's main webpage ). It appears that this has been a problem for other customers for days based on some online searches. Customer service could not provide information and would engage in shady practices ( placing me on hold on multiple occasions for long periods of time, refusing to stay on the line and answer further questions or assist, etc. ). As a result I have no access to my account and no information or method in order to regain access. While the website says that you can speak to customer service to speak with a security expert for password resets, that option was completely unavailable. I have never had a worse customer service experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My attempted description in the " generous '' ( being sarcastic ) 120 character field of Experian 's Dispute form - This is for XXXX XXXX. XXXX XXXX Loan XXXX 2019 " Only XXXX XXXX XXXXDisputes XXXX & THAT persn has maintained a personal ( illegal ) vendetta re : this acct. 's MISREPORTING, MISSING PAYMENTS, etc. Other acct. w/out this persn 's attn. are PERFECT. Thanks '' Despite asking for correction i have been told by the same person that their " Ledger is correct '' and it is not. I was homeless during a large period of this loan and do not have most of my papers like this and/or physical evidence anymore. SO i am at the ( lack of ) mercy of this individual who has taken on some kind of personal issue with me. She even LIED and suggested i needed to pay off a XXXX dollars ( " debt '' for overdraft fees that i was already arguing abt with them ) to apply for another product and to further dispute the other loan ledger - and that i could " dispute the overdrafts later and get them refunded ''. This was simply a fabrication for collection. Often referred to in legal terms as " fraud in the inducements ''.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Subject : Urgent Request for Assistance Regarding Fraudulent Entries on My Credit File Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you with a matter of utmost urgency that requires your intervention and expertise. It has come to my attention that my credit file contains negative entries resulting from fraudulent activities. I am reaching out to seek your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

These fraudulent items have significantly impacted my credit score and financial standing, causing immense stress and hindering my ability to make important life decisions. In particular, I am currently in the process of purchasing a home, and these erroneous entries are proving to be a substantial obstacle in securing a favorable mortgage rate. 

I am aware of the Fair Credit Reporting Act ( FCRA ) and its provisions for addressing inaccuracies and fraudulent information on credit reports. As a consumer, I have the right to dispute these items and request their removal from my credit file. However, despite my efforts, I have encountered difficulties in navigating this process on my own. 

Given the complexity of the situation and the urgency of my need, I kindly request your involvement in escalating this matter to the relevant credit reporting agencies. Your expertise and intervention can significantly expedite the process and ensure that my credit report is accurate and fair. 

I am also seeking your guidance on involving the Consumer Financial Protection Bureau ( CFPB ) in addressing this issue. I believe that their oversight and involvement will provide an added layer of assurance that my case is thoroughly reviewed and resolved. 

I understand that your office has a commendable track record of advocating for consumers ' rights and rectifying credit reporting discrepancies. Your assistance in this matter would not only alleviate the immediate challenges I am facing but also contribute to upholding the integrity of the credit reporting system for all consumers. 

I have attached relevant documentation ( police report and identity theft affidavit ) that supports my claim of fraudulent activities affecting my credit report. I am more than willing to provide any additional information or undertake any necessary steps to facilitate this process. Your prompt attention to this matter would be deeply appreciated. 

Thank you for your time and consideration. I eagerly await your response and guidance on the next steps to rectify this distressing situation. Please feel free to contact me at your earliest convenience.

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 2023-07-10
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
The problem is essentially multiple Discriminations by PNC Investment ( PNCI ). My wife and I ( XXXX, & XXXX ) have 2 retirement accounts ( about $ 400K ) in PNCI. Due to its NO-service acts ( particularly during Spring XXXX ), I made a complaint against PNCI and claimed the compensation for the investment loss due to its fault. PNCI responded us for only 1-yr. fee waive. We could not accept it but have continued the dispute. In this dispute, I have nothing wrong or improper to PNCI 's business. On XX/XX/XXXX, PNCI decided to brutally terminate ALL of our accounts, and forced us liquidate/transact out all of our assents. 
Currently, I am fighting with PNCI for its discriminations in 1 ) Not providing services as a public accommodation 2 ) Age-, racial and origin-related discrimination 3 ) Depriving of our rights as PNCI 's customers etc.

In this message, I would like to get some legal consultant or help in my fighting against discrimination and get reasonable compensation for our investment loss. E.g.

1 ) What's the best way ( lawsuit or arbitration ) to resolve the problem?

2 ) Does FINRA arbitration handle discrimination related dispute?

Thanks for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-01-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied on apple for a credit card that says it will not affect your credit and only do a soft pull not a hard inquiry. The card lives in your wallet however its issued XXXX XXXX XXXX. 

In the agreement it says you have to accept the card before they do a hard inquiry. I never accepted or was offered the oopourtunity to accept by email, phone, or any kind of XXXX XXXX XXXX told me they agreed and on XX/XX/2023 today theory would tell the credit bureaus thatbIn did not accept the card there for they cancelled the card and agreed. 2 days ago I received an email from XXXX XXXX saying after they didc their research just the applying counted as accepting the card. Please visit the XXXX  site or I can send pictures with both the statement about no affect to my credit score and that I had to accept the card before they would do a hard inquiry which they didn't. I DID NOT ACCEPT ANYTHING

Company response to consumer: Closed with explanation