BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: NC
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:
Inquires i did not authorize listed below 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 explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: GA
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:
Hi I am submitting this CLIENT NAME without any influence and this is not a third party. 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXXXXXX XXXX Balance : {$10000.00} I recently received a response regarding a disputed item. How can report unverified and unvalidated information to consumer credit reports while disregarding requests for validation under the FDCPA. Considering this, I am hereby invoking my rights under FCRA 611 ( a ) ( 7 ) to request a comprehensive description of all the methods employed to verify the collection account being reported to your bureau. I am eager to understand how your investigators were able to validate and verify this account as accurate, especially considering that the collection agency failed to provide validating documents within the 30-day period mandated by the FDCPA. 
Kindly refrain from simply responding and stating that the account has been verified, as I have never received any proof of such verification. According to my rights under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly removed. Therefore, if you are unable to provide me with verifiable proof of the mentioned account ( s ) within 30 days of receiving this letter, you must remove these item ( s ) from my credit report.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: CA
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 checked my credit report and the Bankruptcy that I have been filing a complaint still on my credit report. This XXXX  XXXX bankruptcy is erroneous. The bureaus and the company failed to provide proof and I never received any proof of the investigation which I have been requesting for so many times.

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 2023-05-07
Company: Conduent Incorporated
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I just recently received a new way2go debit card for my child support payments and this weekend was the first time i received a payment on my new card. I activated the card and created a pin as soon as i received the card, which then deactivated my old card that was used for my child support payments. When i first tried to use the card at a gas station near my home the card was declined. Thinking maybe i might've already forgotten the pin, i went onto my app and changed my pin then went back into the gas station and attempted to use it again but it was once again declined. I tried the ATM thinking maybe their card reader was down again but my card was once again declined. So at that point i attempted to use my money by transferring it to my XXXX account, then my XXXX XXXX account and it continued to decline my attempt. Then i tried sending money to my fiance and it finally allowed me to send him money but only in increments of XXXX {$3.00} or possibly XXXX times. So thinking the issue was finally fixed and my card was working we went back to the gas station and once again my card was declined. At the time it was after hours to call customer service so we waited until morning and tried numerous times to contact someone about the situation with no luck. So we thought maybe it's the actual card but still works online... we then attempted to place an online order through XXXXXXXX and once again the card was declined. at this point i was very upset and confused. My fiance finally was able to get ahold of a call center and the lady only made the matter worse by completely deactivating the card, somehow. To be honest, i have absolutely no idea what the issue is. If you go on my app or the website, it doesn't say that my card is locked and it shows the transactions i made through XXXX and or XXXX XXXX. but no matter where i try to use my card now, online or in store, my card is declined. The funds are on the card and you can clearly see that i was able to transfer funds via payal a few times. So can someone please explain to me why my card is declining every transaction and please help me transfer my funds from this card/account onto my personal account. Or at least make my card work so that i can be able to use the funds on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 2022-11-18
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2022 Wells Fargo bank closed both our XXXX XXXX accounts due to our XXXX XXXX XXXX XXXX. 

Wells Fargo sent a Cashier 's check to our nomiated U.S. address in XXXX XXXX, Florida. 

As our only U.S. bank account has been closed and we are XXXX XXXX residents a U.S. USD cashier 's check does not work for joint accounts so we require an International Money Transfer. 

The total sum due is XXXX USD. Of concern, and very confusing, we received a Wells Fargo Cashiers check for the sum of XXXX USD. Not confidence inspiring. 

The Cashier 's check was returned to Wells Fargo with a completed and XXXX Wells Fargo Account XXXX and Withdrawl Request form. This form included an XXXX XXXX from the XXXX XXXX authorities as requested. This package was sent via XXXX courier and received by Wells Fargo Bank, Exception Payments Account XXXX department in XXXX, MN on XXXX XXXX at XXXX. 

To date I have logged a minimum hold time of XXXX XXXX on a number of toll free contact numbers provided by Wells Fargo and not one answered. 

Subsequently I have sent a second letter asking for a status updated on the requested XXXX XXXX XXXX. This was received on XXXX XXXX at XXXX and to date there has been no response. Still no toll free number answers. 

I understand that there may be a back log as Wells Frago probably have closed alarge number of accounts but an acknowledgement takes little time.

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 2023-02-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I received a text message stating that my mortgage payment for XXXX had been returned. I concurrently received a notification from my credit monitoring services that I was assessed a 30-day late mortgage payment. In response, I called and sent proof to XXXX XXXX  of that claims fallacy. I paid my XXXX mortgage on XX/XX/XXXX. At no point between XX/XX/XXXX and XX/XX/XXXX was my account insufficient for the debit of my mortgage. Additionally, there were no NSF fees or notice of a returned payment. Further, I called XXXX XXXX  on XX/XX/XXXX at XXXX Central to tell the customer service representative that my payment was made on XX/XX/XXXX, but it hadnt been withdrawn. I asked her if she saw anything in her system that indicated an error. She said no. It was an 18-minute call. Similarly, I called on XX/XX/XXXX after receiving a text message falsely stating my payment had been returned. The customer service representative told me she saw that it had been returned, but that there was no explanation as to why. She said that payments are returned for 2 reasons and insufficient funds is one of the reasons, but she didnt state the other reason. It was a 12 minute call. I called XXXX on XX/XX/XXXX and, upon their research, they confirmed that no such attempt at an ACH was initiated and no fees associated to the {$2800.00} payment was found. I want an instant removal of the 30-day late credit reporting and a reversal of any fees associated to the returned payment claim. Ive attached bank records showing daily balances between XX/XX/XXXX and XX/XX/XXXX, as well as proof that there were no NSF fees in XXXX, and that the 2 NSF fees ever assessed were in XXXX for XXXX XXXX  transactions. 

I filed a complaint with the XXXX and XXXX responded by further affirming that the payment had been returned. They did not attach proof of a returned payment and, instead, shared materials that they asserted they sent me to assist those who were having mortgage payment issues. I've sent the required information showing XXXXXXXX XXXX error and want this resolved 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 2022-11-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
informed of a business opportunity that involved spending money to make money provided my debit card info and pin to go about the methods. with that information i provided they were able to forge a fraudulent check into my bank acct. not really knowing whats going on i kept getting told to do XXXX XXXX and XXXX orders and while doing so i had checked my acct info and at the same time money orders were being processed. i eventually blocked my acct and informed my bank as soon as i understood what was going on but it was too late. money orders XXXX and XXXX XXXX went through. and my bank says i owe XXXX do to giving access to my acct. TD bank will not provide documentation. and informed they will not be conducting any business with me and wont return my regular direct deposit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was alerted by my credit monitoring company that a hard inquiry was made by JP Morgan Chase. I immediately called their fraud department and they informed me that an application for a business credit card was applied for by someone other than me. They immediately canceled the application, which I appreciate. 

What they could not or would not tell me was the address that this fraudulent application originated from. They said they would investigate and send me the information via US Postal service. I am skeptical that they are going to send me the information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent inquiries on my Trans Union credit report THERE ARE FOUR XXXX  XXXX INQUIRIES And ONE XXXX XXXX XXXX XXXX inquiry DATED FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX  15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  act # 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 a payment on a credit card or loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I discovered my identity had been stolen and the account was fraudulently opened in my name. Initial fraud alert was placed in XX/XX/XXXX and my dispute was declined and I was not notified. I discovered an error on my credit report in XX/XX/XXXX with incorrect name and discovered it was the fraudulent Bank of America account that had been compromised. An individual in Kentucky had changed to a false name and charged the account over {$200.00}. I disputed again. The account was removed from my credit report, but the fraudulent name continued to appear. I received confirmation that the account was removed. I reported a third time in XX/XX/XXXX after continuing to receive statement from Bank of America for false name. The false name continues to show on my report and I have not been able to remove that name from my social security number due to Bank of Americas uncooperative actions.

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 2020-09-18
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX 2020, I received a letter from Mr. Cooper ( mortgage servicer ) that they had paid a new homeowner 's insurance policy using my escrow funds. I had not changed insurance providers or coverage, and my existing policy is paid through XX/XX/2020. 

I contacted Mr. Cooper several times, and reps kept saying someone would call me back. Finally, on XX/XX/2020, a customer service rep for Mr. Cooper was able to speak with a rep from the insurance company in question XXXX XXXX XXXX XXXX, who confirmed that the insurance policy was not in my name, and did not match my address. The Mr. Cooper rep also confirmed that the money was taken out of my account by accident to pay this policy. I was told I would receive either a check for the amount XXXX {$1000.00} XXXX or a refund to my escrow account within 14 days. 

I did not receive a refund, so contacted Mr. Cooper again on XX/XX/2020. I was told they would call me back, but no one did. I'm not sure how this mistake happened, but it is not my responsibility and Mr. Cooper has made no effort to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have consistently raised concerns about the inaccuracies in the provided information with XXXX, Experian, and XXXX ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.

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