BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank account was closed for a verification issues I have sent my driver license pictures of my face they still refused to open the account. On XX/XX/XXXX the account was closed and I was told I would be issue a check out. I reach back out to the bank. They said they would not be sending me any money because of some guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: AZ
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:
I have tried several times to fix this situation with Experian and each time they refuse to fix it. ( See attached document of refusals ). Now, because they have refused once they are claiming they do not have to even investigate because I already disputed it. This is truly an abuse of the law by Experian. 
Specifically my name is XXXX XXXX XXXX sometimes XXXX XXXX sometime XXXX  XXXX : My name is not " XXXX  XXXX '' I have never gone by that name yet Experian claims I have My name is not " XXXX XXXX '' I have never not used my last name ( XXXX ) yet Experian reports that I have. 
My mortgage balance is {$350000.00} not {$360000.00} as Experian reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all on the FTC Identity Theft report YET Experiain refuses to remove them or note that they have been reported to the FTC. 
I have never lived at XXXX. XXXX  XXXX WASHINGTON DC XXXX ( although it was undoubtedly used by the identity thief ) Likewise I have never lived at XXXX XXXX XXXX WASHINGTON DC XXXX Experian refuses to remove those addresses.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: NV
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 had sent a letter to remove personal information that I do not want on my credit report, as per the Fair Credit Reporting Act, 15 USC 1681. I have the right to privacy. Further, according to 15 USC 6802, no financial institution is supposed to share my information to any third party. These are clear violations of my federally protected consumer rights. 

Experian had responded with information not specific. I will include the specific information that I had provided on the Experian website. 

Wrong names : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2019-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My name is XXXX XXXX and I purchased an auto from XXXX XXXX in XXXX of this year. I was approved through XXXX XXXX XXXX and prepared to make my payments as agreed. I was not informed that the auto had been re-contracted through Wells Fargo. I was made aware by an alert from my credit monitoring site that Wells Fargo was showing past due. You can imagine how upset I was because I was unaware I even had an account with Wells. I contacted the finance manager at XXXX XXXX and was told what had occurred. As soon as I was made aware that the financing was being handled through Wells Fargo I did get the account current. I was never made aware of the change of lender! My credit is perfect except for this one account that truly was not my fault. The Finance Manager even wrote a letter to Wells Fargo explaining the mix up and also explained that it was their mistake and NOT mine. I have included the letter that was sent to Wells Fargo from XXXX XXXX and their response.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-18
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:
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 in a the following items of information. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to 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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX I wrote and mailed a Chase check # XXXX payable to my XXXX in the amount of {$3000.00} for my monthly maintenance. It was mailed to my building management company " XXXX XXXX ''. I was contacted by XXXX XXXX on XXXX saying they never received my payment. I sent them copies of my cancelled check from Chase Bank and after a period of time they claim that they never received it and started to charge me late fees. 
At that point I went to Chase and filled out a " Declaration of Unauthorized Endorsement or Altered Item '' My claim number is " XXXX '' I mailed the clam to JP Morgan Chase Bank NA. Customer Claims Department, Attention : XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX have contacted Chase customer claims 4-5 times now and they claim my check was cashed at XXXX XXXX  XXXX and they are XXXXuppose to respond to Chase and reimburse my funds. XXXX XXXX XXXXXXXX never contacted Chase regarding my claim and the people at Chase tell me there is nothing to be done. I'm extremely frustrated with Chase for not reimbursing my funds especially since I have a business account with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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:
There was inacurrate information reported on my credit report from all 3 bureas. I have contacted all 3 bureas ( XXXX, EQUIFAX, AND XXXX ) in a dispute process and over the phone. XXXX and XXXX deleted the negative information but Equifax has yet to delete the problem. On XX/XX/2019 I sent my second round letter to equifax with proof that XXXX and XXXX had deleted the items, and asked equifax to provide me with verification about the accounts. They have failed to provide me information validating the accounts and i have uploaded all the proper documents. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a personal checking account at Bank of America and they charged me a ( 1 ) -time fee of $ XXXX because the CA Franchise Tax Board levied a garnishment of $ XXXX against this account. I promptly called the CA Franchise Tax Board and paid the entire balance owed to them of $ XXXX and NO garnishment occurred. I then called Bank of America back and asked them to reverse this fee and they refused.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-08
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
TitleMax is in violation of 16 CFR 433.2 for Failure to Full Disclosure of 10-point bold notice. Failure to provide right to recission forms 15 USC 1635 ( a ). And 15 USC 1632 clear and conspicuous rights to recission. I was not aware that I had a right to rescind the contract as I did not have access to the contract until after the time allowed had passed. TitleMax uses deceptive practices along with high interest rate of 160.03 % annual. Texas law 's maximum amount is 10 % annual. I was the only person to sign the contract and when I received it, it shows an additional signature. No employee signed the contract. I issued a negotiable instrument with instructions to clear the debt, I received no response, and my car was repossessed. In the interim of my vehicle being repossessed there was damaged to the front end of the vehicle. My vehicle will be sold after today 's date XX/XX/2023 by TitleMax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-01-15
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 credit report went down recently due to an unknown XXXX account being listed on my credit report as an authorized user. When trying to contact XXXX they won't give me any account information or take me off even when I try to verify my identity. I tried disputing it, but It was not resolved in my favor and the account is still on my report lowering my score.

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 2023-04-17
Company: Experian Information Solutions 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:
I recently checked my credit report and theres a collection that does not belong in my credit report it is violating some consumer rights accounting to the FCRA please help me REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. the collection/charge-off will be listed below. 

XXXX XXXX acct # : XXXX Amount : {$470.00} This account is violating 15 U.S. Code 1681e - Compliance procedures section 10

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam : I am writing to dispute the following information in my file. The item in dispute also are highlighted on the attached copy of the report I received. 
XXXX XXXX # XXXX is inaccurate because 3 bureaus are reporting 3 different high balances and also on the date of my last activity 3 bureaus are reporting 3 different dates as well ..... I am requesting that the item be deleted off my credit report due to Inaccurate reporting .... 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.

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 2019-12-20
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/19, I was contacted by XXXX XXXX ( XXXX ), from a company called AmeriSave, and was offered a refinance loan on my house per an ad I reponded to online. I gave him my ssn, home address, etc. He pulled my credit and said it should be no problem getting approved at 3.5 % w/ XXXX in equity coming back to me. He said my credit was fine for this and said we need to move forward with the appraisal. So I did and paid XXXX for it ( which was to be reimbursed upon completion of the loan ) on XX/XX/XXXX I received an email stating they couldnt process my loan due to credit issues or incompleteness of loan. I wantIve called and left several messages w/Mr. XXXX w/ no  response. I want my money back at the least and be given the number to a reputable company who takes care of vets. Thanks

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$930.00}.

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 explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2018-12-07
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 information incorrect

Complaint:
I filed several disputes with Equifax regarding the XXXX student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The XXXX account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX XXXX reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the XXXX account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however Equifax refuses to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on mXXXX XXXX XXXX XXXXrd. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation