BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Self Financial Inc.
State: MI
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:
I was late on a payment during covid ... as the world was in a pandemic and not working and being in a lock down I was unable to make a on time payment. you will see that my account was only late XX/XX/2020 self lender account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a social security number associated with my credit report thats not mine number ending in 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 2023-05-03
Company: CAINE & WEINER COMPANY, 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:
This ground for removal they also violated my rights under 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 an account without my written instructions or consent.I don't remember sign the contract with this debt collector, where's my original signature with this company and why they decide to add to my collection without my permission? It is double jeopardy!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This BK keeps getting updated and they are not allowing me to dispute it. I went to the court and they advised me they do not give third parties information and denied me access.

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 2021-04-22
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 43 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable. 

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions. 

Thank you for your immediate attention to this serious issue.

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 2019-08-21
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I received a cashiers check for a car sale for {$17000.00}. The buyers came out from Missouri with a cashier check from XXXX XXXX. Addressed to myself and the Vin #  of the car in the memo. 
I am a XXXX member with Chase Bank, so I trust them with my money. 
I deposited the cashiers check on XX/XX/XXXX at my local Chase Bank in XXXX, Kentucky. No questions were asked from the teller. I did inform her I just sold my car and she informed me the funds would be available soon. 
On XX/XX/XXXX I happened to check my bank statement online to see the {$17000.00} refunded. I called Chase immediately and all they told me that it had been refunded.

I drove to the chase bank I had made the physical deposit and spoke to their acting manager. She was able to pull up the check and told me someone higher up in Chase deemed the check altered. I informed her this was for selling my car and that I no longer had the car in my possession. I also informed her that the buyer stated his loan account was not active and that is why the cashier check did not go through. I was already under stress with thinking I was just scammed but the acting manager reassured me things were likely fine and that his bank would sort it out. 

XX/XX/XXXX I ended up calling the bank on the cashier check myself and gave them the check #. Their teller informed me that the check was a fraudulent check and was not one of theirs. 

I was furious. I was just scammed out of {$17000.00} and lost my car. I immediately filed a police report and went to another Chase bank and spoke to their manager who immediately saw what the check was missing. He admitted that the teller should have caught this mistake. 
I am baffled as to why Chase did not call this other bank to verify the funds when I was depositing that day? I have not been able to sleep or do anything but worry. I have been doing my own investigation on the case, and feel if Chase would have caught this back on XX/XX/XXXX I would have been able to start looking for my car sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance to the Fair credit Reporting Act. This list if accounts have violated my federally protected consumer rights. 
Inquiries below have violated my rights XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Accounts below have violated my rights XXXX XXXX account number XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX  account number XXXX XX/XX/XXXX amount XXXXXXXX XXXX XXXX  account XXXX XX/XX/XXXX amount XXXXXXXX XXXX XXXX ACCOUNT XXXX XX/XX/XXXX AMOUNT XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 SECTION 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

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 2022-07-18
Company: EQUIFAX, INC.
State: SC
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:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and were flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX 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 2023-04-26
Company: EQUIFAX, INC.
State: MN
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:
Equifax has continually violated my rights under the fair credit act- has not responded to any of my concerns and issues that involves my credit profile. I sent certified usp mail. And have not received in response over 60 days. Attached to this complaint will be my issues that need resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase Vault.The co-signer email address in my Vault never gets the email to approve my transfer. That email does get emails. I got one from Coinbase on XX/XX/2020. Have tried this transaction numerous times prior to this date with the same outcome. No way I can find to change my second email. In my world I have money in a vault that I can not access. How can I do this? I am really frustrated and getting ready to escalate this in any way possible to get my money so I can use it as I want. Have sent this more than once with no response outside of a Robo email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Wells Fargo Dealer Services, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Insurance Coverage is obviously running some kind of scam on its consumers. My car was totaled in front of my residence while parked by a drunk driver. I had insurance and gap insurance however both insurances did not cover the entire balance of $ XXXX.The insurance failed to indemnify me and they also failed to disclose the nature of the gap insurance at the time of loan signing. It was my understanding that the gap insurance would cover the gap if an accident were to occur. Also, there was an insurance coverage offered by XXXX that was for the car which they are stating is non-refundable. I am not sure why they are withholding this {$700.00} upfront fee when it has not been used. I purchased this vehicle in XXXX 2015 and it was totaled XXXX/XXXX/2015. The {$500.00} balance, Wells Fargo is penalizing me for this and refused to lower my payments and/or refinance the {$500.00}. I am suffering the repercussions of fan accident that was not my fault. My credit is going t o be affected even after I ensured I was insurance to the fullest. I spoke with XXXX at the office of the President at XXXX XXXX-XXXX complain # XXXX and they are still unable to assist me as the consumer. The insurance companies have failed to serve its purpose, they have not indemnified me they have not made me whole.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXXXXXX Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NEW AMERICAN FUNDING via XXXX XXXX The above is listed multiple times ( 3 times to be exact ) on my credit report. I only granted permission ONCE for them to run my credit. The date I did give permission was XX/XX/2017. All other dates are fraudulent on their part. 
The company stopped responding to my requests I would like the inquiries removed from all three bureaus as I didn't request this. I would also like my score updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was unaware the card I get in mail was ever used, I did set it up when I received it, but did use it 3 times that day and that day only, maybe used {$100.00} all others transaction I'm unaware of, in till I Seen my credit report, I even reported that card lost and still see transactions after that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in XXXX XXXX from XX/XX/XXXX until the morning of XX/XX/XXXX, and my debit card was stolen. I didnt realize that my card was missing until XX/XX/XXXX afternoon. By that time, someone used my debit card in over a dozen locations, totaling over {$1100.00} dollars spent in less than 24 hours. They didnt have my pin and were using it like a debit card, Valley had no internal controls in place and never froze the card or blocked a transaction. When I called to dispute, I received a letter 10 days later from XXXX XXXX stating that my statements were inconsistent and that I can call back to appeal. Over a month since the letter has passed, I tried calling her hundreds of times and always go straight to voicemail. I am disgusted by the customer care at this bank, I am XXXX XXXX XXXX and had an account with them since I was an XXXX and this is my first ever dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: SYNCHRONY FINANCIAL
State: OH
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:
Pulled credit placed credit inquiries on credit reports I didnt apply for credit

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 2022-07-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SunTrust Bank date of vehicle loan origination XX/XX/XXXX in the amount of XXXX. 
Loan paid off by XXXX XXXX XXXX in the amount of {$41000.00} on XXXXOverpayment letter from SunTrust Bank in the amount of {$19.00} check # XXXX on XX/XX/XXXX. 
SunTrust provided me a printout of my account in the transaction section showing account was paid off on XX/XX/XXXX, XXXX XX/XX/XXXX, Truist Bank mailed me a letter to notify me that they provided the appropriate party with a release of interest document as required by the State as a result of the contract being paid in full. In reviewing my XXXX credit report, SunTrust is showing a open balance amount of {$41000.00}. Since SunTrust merged with Truist Bank and the last document I received was from Truist I went to discuss this matter of concern on XX/XX/XXXX, with XXXX XXXX, Relationship Banker at Truist at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX contacted the loan dept for paid-out loans and was informed that Truist reports quarterly to the credit bureau XXXX They were not able to give a definite date as to when the credit bureau would be contacted, and the loan amount would be removed as paid in full and closed. On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX Banker at XXXX XXXX XXXX XXXX XXXX XXXX, NC. He stated that he would file an in-house complaint. As of XX/XX/XXXX, the open balance of {$41000.00} remains to show on my XXXX account with no resolution from Truist Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank purchased my conventional mortgage from the originator. I was notified from the originator that Fifth Third would now be servicing my mortgage, so make future payments to them. 
My first issue was with setting up automated payments. Fifth Third does not offer an electronic way to do this ( I don't have any other accounts at Fifth Third, only my mortgage ). I had to print a PDF form, fill it out by hand and mail it it. There was also no promise this process would be done by the time my next payment was due. This is a completely unacceptable process for a bank the size of Fifth Third and in the year 2022, as every other mortgage servicer makes setting up automatic payments a quick and easy online process. 
After having my auto-payments set up and my first few payments made, I have now received and email from Fifth Third stating " We're reaching out to let you know that your account ending in XXXX requires prompt attention ''. I should not be receiving this email, as I'm current on payments and have no other issues. When attempting to contact Fifth Third, I have run into difficulties. There is no email for customer support, the chat functionality on their online banking site doesn't work as I haven't received a reply and the current wait for a phone call is over 30 minutes. All completely unacceptable customer support actions. 
I would love nothing more than having my mortgage transferred to a capable servicer with actual customer support.

Company response to consumer: Closed with explanation