BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have found incorrect information furnished by credit reporting agencies. I have reached out to all credit reporting agencies with the correct information for update. After waiting for months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer. All information reported must be correct according to the FCRA. Please correct this concern, because it has caused great damage. Only one address should appear on each 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 non-monetary relief
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: DC
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 tried reaching out to the creditors ( XXXX XXXX XXXX XXXX in addition to the credit bureaus ( XX/XX/XXXX Equifax, and XX/XX/XXXXXXXX. To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have reached out to transunion and XXXX  about this issue 4 times now. 

XXXX XXXX XXXX XXXX is reporting incorrect information on my credit report. I have asked the credit bureaus 4 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect : No of Months ( terms ) - there was never an agreement! 

High Credit - This was not a loan! I never borrowed money from them. They OVERPAID me. then sent me to collections, even after they received their money back! 

Payment status - this is not a collection/chargeoff! 

Date Last Active I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on 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 2023-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2019-06-03
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: Their investigation did not fix an error on your report

Complaint:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX I attempted to sell a XXXX XXXX bag on XXXX. I was trying to sell a bag for XXXX ; instead of making a profit, I was scammed out of XXXX. I was sent messages from someone posing to be a XXXX customer service representative that demanded me to send money and threatened to have the FBI arrest me. First it was a {$100.00} admin fee to get the money to transfer and then it was {$200.00}. Then, they demanded {$700.00} as the last payment. Unfortunately, I was a fool and sent them the {$700.00}. Then they demanded me to go to a bitcoin machine and purchase {$1500.00} worth and that's when I realized I was definitely being scammed. I have lost XXXX and been behind on all my bills because I needed that money. The whole reason I wanted to sell my XXXX XXXX is because I am broke and needed the money. 
I spoke with Wells Fargo customer service that day and filed three separate claims since there were three separate transactions. 
Unfortunately, the people investigating my situation denied my claims and now I am struggling to pay my bills. 
Now, my credit and deposit score are both tanked. Wells Fargo sent me a letter ( Sent XX/XX/XXXX, received XX/XX/XXXX ) informing me that they are closing my account " to manage risk in their banking operations '' and that my account is expected to close by XX/XX/XXXX or sooner. My account is in the negative and I haven't made any purchases. Furthermore, I can't check my banking activity because they XXXX my online account.

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 2019-06-03
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This morning, XX/XX/2019 I spoke with M & T Bank 's Customer Service Department regarding the status of my case # XXXX. This case/claim was filed on XX/XX/2019 for fraudulent use of my checking account with M & T for eight ( 8 ) XXXX transfers totaling {$4800.00}. I was told this morning by that the claim against my case was denied. 

To resolve this problem, I am requesting that M & T Bank Fraud division IMMEDIATELY RE-OPEN my case. 

I obtained a letter from my employers designated IT Company, XXXX XXXX XXXX  to confirm virus, malware, phishing attacks on my computer. This letter explains the virus that were present on my computer on the date that the transfers were made from my account WITHOUT my knowledge or consent. 

I need my bank to re-investigate this case and return my fraudulently taken funds of {$4800.00}.

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 monetary relief
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I received a call from Wells Fargo XXXX department. The person who was on the other line said my account was compromised and there was a transaction made the previous day in Alabama for {$320.00} for a flight ticket and an XXXX purchase {$80.00} and an XXXX for {$30.00}. I obviously told the person on the line that it was not me. They then continued to ask me if I would like to cancel my card, which I said yes. They then read back my information, all my personal information, my account number, card number, last four of my social, my email, etc. So I thought it was legit and that this was the bank because the number they called me on was the Wells Fargo fraud number. They then sent a text through Wells Fargos number and told me to read back the number as it was for my claim. I read the number back and they told me not to look on my account for 24 hours due to the incident. I called my mom and told her what happened and she said it was fraud. I then checked my account and the hacker who was using Wells Fargo then proceeded to take {$2000.00} from my account. I called the bank right away and told them what had happened. They opened a claim and I filed a police report. Around 2 weeks later they denied my claim, saying I approved that transaction by reading the claim number. The people who hacked me, which I talked to the bank about, was a money transfer to the XXXX. The bank cancelled my card and issued me a new account number and card to which the people who fraudulently got me the first time wouldnt get me again but they have still been calling me to this day with my new account information trying to get me a second time. I told Wells Fargo about this and they are choosing to ignore the fact that my information is still being compromised. Wells Fargo sent me a letter saying they were sorry I experienced fraud on my account. So they have acknowledged that this is a fraudulent transaction. Yet they still refuse to refund my money. Can you please help me! I am a young lady and im working full time making less then {$600.00} every 2 and a half weeks and this was all the money I had saved. Please help

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 monetary relief
Consumer complaint received 2019-06-03
Company: Northstar Location Services, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear NorthStar Companies. a few weeks ago I asked you to cease and desist on a debt that you claim I owe unless you could provide me a copy of the credit application with my Signed Signature attached. You sent out a letter today with incomplete Information on some paper with XXXX XXXX XXXX Logo attached that was Typed up by your office with Invalid information Most important their is no signature with my name signed to it. so therefore you are violation the cease & desist demand I asked for. Unless you send me the Original credit application with my named signed to it. I asked You once again to cease and desist thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX XXXX ( Finance ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2021-06-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
It said that you can't longer use Paypal. I don't know why I can't use it anymore I can't send or receive money, I still have a balance that needs to get. My email linked to my PayPal is XXXX. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a insurance check for storm damage to my roof of my home in the amount of XXXX I deposited it in my bank account savings at an ATM machine at BBT who I bank with for over 20 years. I have a mortgage account with XXXX XXXX who name was also on the check the check also has my name spelled incorrectly on it ( spelled XXXX and the correct spelling of my name is XXXX which I have told the insurance to correct multiple times I have also put it in writing for XXXX which is the insurance company to correct the spelling of my name ) This is my first ever claim and now know that XXXX XXXX should endorse the check, I ask BBT they could provide me a certified copy of the check and they said at the time they had to wait for a manager and then they came back to me and said they no longer have it, BBT then ask me to get with XXXX which is the insurance company to cut me another check and after about two months XXXX responded back saying they could not due to the check has been cashed by the bank in which it has, now i am at a stand still with damages to the roof of my home and a check that BBT will not release due to improperly endorsement but will not provide a check for me to get endorsed, I have spoke with a corporate from BBT and they are telling me to go back to XXXX the insurance company and the insurance company is telling me to go back to BBT due to the check show it has been cashed, BBT has even asked me to take paper work to XXXX XXXX and get them to sign a affidavit and XXXX XXXX is not willing to do so, all they ask for is the check or the certified copy of the check so that they can stamp. I keep hitting a brick wall and cant get any answer as to what I need to do to get my project started for my home

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 2020-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase is refusing to review or apply a credit to my account that has already been issued by a third party. 

On XX/XX/2020, XXXX issued a credit to my XXXX XXXX card totaling XXXX XXXX ( XXXX XXXX  ). This comprised of four credit transactions in the amounts of : XXXX MXN ; XXXX MXN ; XXXX MXN ; XXXX MXN. We have confirmed with a representative from XXXX corporate via the XXXX XXXX XXXX that XXXX has issued these credits, and the sending bank has confirmed success of the transaction. We have received transaction identifier ( ID ) codes for each transaction. 

Despite several calls over the past month, including with XXXX on the phone in a conference call, Chase denies that these transactions exist. When we attempt to provide transaction ID codes so that Chase can lookup the transaction, they deny that this is possible. Chase representatives insist they can only look up a credit ( refund ) transaction if an original charge exists. However, no such original charge exists from XXXX. XXXX is issuing a credit to my account without having previously charged it. This is a valid method of crediting account but Chase representatives deny this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-01-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-06-03
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:
I requested from Experian, XXXX and XXXX that they forward to me via federal law, any consumer contract bearning my signature for the disputed accounts that they are reporting on my credit report. They have had more than 90 days at least to forward me in writing documentation with my signature and they have failed to do so. 

They continue to state that they verified information however they have not properly done so, they have not propely verified anything.they contine to forward to me, generic letters stating that the person that is reporting the information verified it. 

EXPERIAN response to one disputed item was that the furnisher has " certified '' that the information is accurate. THIS IS A VIOLATION OF THE LAW. the federal law is clear as to what methods are acceptable and taking the word of someone is not accurately complying to federal law. 


I CONTINUE TO SEND LETTERS REQUESTING THE PROPERLY VERIFIED PROOF.

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 2019-06-03
Company: KEYCORP
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Key Bank closed my XXXX account without notification. I had used the XXXX service since 2016, while the service was still part of the XXXX company. It is a service I have used for the past 4 years. 

XXXX is a financial service that allows users to aggregate their financial data ( e.g., credit cards, checking account, savings, debts ) to view a common, holistic picture of their finances. While the service does not allow for the manipulation of individual accounts ( payments, withdrawals, etc. ), it does aggregate highly sensitive personal financial data ( including account balances, financial relationships, user logins, and user passwords ). 

I am deeply troubled and concerned by the sudden loss of access to my account. On XX/XX/XXXX, I emailed the support, and received notification of my account closing. This news surprised me as I did not receive warning prior that my account access would be ending, and because I have shared highly sensitive information to this service. Without formal notification of my account closing, I am left in the dark how Key Bank may use and manipulate my data ( and potentially the thousands of other users ) without consent. 

I request that the CFPB investigate this matter with expediency, and ensure that the consumer 's of Key Bank 's XXXX service are protected against fraud and personal information data leaks.

Company response to consumer: Closed with explanation