BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Went to open a business account and was denied without a explanation why I couldnt open a business account. XX/XX/2021. To be honest I think this was because of my skin color

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 2019-11-03
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$300.00} payday loan in 2018. I had no idea that the interest rate would put the amount owed to almost {$2000.00}. I can make arrangements to make payments on the amount that I borrowed but the extra {$1500.00}, is impossible for me to pay. I am a XXXX XXXX XXXX XXXX  veteran who is XXXX XXXX XXXX XXXX so being on a fixed income, this extra is impossible and seems to be illegal. Isnt there a cap on the amount of interest a company can charge. Help me please. The originator of the loan was Speedy cash now XXXX XXXX has taken over. Any help is appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: R & B Corporation of Virginia
State: VA
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:
XXXX XXXX ( shown as Credit Control ( collector for doctor office ) on bankruptcy paperwork - can match Addresses between credit report & bankruptcy rpt -  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ) is reporting to XXXX  an account in collection status but account was discharged in bankruptcy XXXX XXXX, 2019. Account needs to be removed from collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 keep getting notified when you people need to pay attention. It was Transunion and XXXX  that is not paying attention. 
you need to send this complaint to both credit bureaus. do not keep telling me that you can only send a complaint to only 1 company when its the all 3 credit bureau companies that is listing this inaccurate impact so called company that is trying to scam me out of {$180.00} info on my credit reports. If I need to I will file this report 3 separate times to give you unprofessional people three times the mass work to follow up on. I have no issue with doing this. just get this matter solved asap. I sick of all of these scams. including yours! here is the damm number do your jobs PLEASE! 

Complaint number that you sent me to follow up on 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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Report Act XXXX, XXXX Creditor : XXXX XXXXXXXX, 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 an account without my written instructions. 

This account is fraudulent account, I don't recognize this 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: GA
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 Report Act CXXXX, XXXX, Creditor : 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 an account without my written instructions. 

I am disputing this account, because this lender has committed a fraud under this account, and they need to be accountable to fix this issue on my credit report, if this issue is not fixing, I will hire an attorney to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: GA
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 Report Act XXXX XXXX Creditor : 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 an account without my written instructions. 

This account is fraudulent account, I don't recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  gives this advice as steps everyone can take to help improve their credit score. Bring any past due accounts current. Pay off any collections, charge-offs, or public record items such as tax liens and judgments. Reduce balances on revolving accounts. Apply for credit only when necessary. 
I followed this advice when I paid the entire account. Sheffield Financial Corp who wrongly charged me with two late payments XX/XX/2015 & XX/XX/2015. You will notice from the attached documents that this is an inaccuracy Sheffield Financial Corp has to fix.

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 2017-12-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, I have recently discovered a large issue with my XXXX XXXX/Care Credit account. They have charged unauthorized card security fees labeled as " Card Security XXXX. '' Synchrony/Care Credit said they would investigate and it may take up to two weeks. Also said they would send me the paperwork proof I signed up if available. So obviously they are going to make up some paperwork or they 've snuck in the agreement to this somewhere in a very sneaky way. Regardless of either of those things, I never willingly or consciously agreed to anything of that nature. I never have and never will. The charges are currently {$42.00} per month but are based in a small percentage of your balance. For some reason only statements after 2016 are available, but the charges date back at least that far. After all this time I have just now discovered this. In addition, I have paid interest fees as a result of these card security fees. The fees have caused me to pay $ XXXX monthly in unnecessary interest. My balance has stayed roughly the same for years because of all this.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent accounts and Inquiries appearing on Credit Report. 


Accounts XXXX. XXXX XXXX {$71.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2021-01-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/XXXX XXXX through XX/XX/XXXX XXXX Experian has been debiting my debit card in the amount of {$19.00} per month. I have recently became unemployed and just noticed the charge for XXXX and researched my account to find the additional charges. 6 charges of {$19.00}. I contacted Experian and they researched to see that the charges were not made by me, but by someone using my debit card. However, they refuse to refund my money. They told me it was my financial institutions responsibility to refund the money. This is incorrect, all my bank can do is issue me a new debit card. They said Experian is responsible for the refund due to them being the one who actually received the money, which only makes sense. I have spoken to XXXX XXXX ID XXXX, if this is even legit info ) she wouldn't give me her last name for whatever reason, she is the one refusing my refund even though they can see where a different person other than myself, diff name and social, used my card. She also refused to let me speak with someone else. I just want my money refunded that Experian has taken and now they are proving to be the ones doing the fraudulent activity.

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 2019-03-18
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC Bank on more than one occasion has charged me overdraft fees when my account has NOT gone into negative. On XX/XX/19 there was a check that cleared through my account that left an ending balance of {$26.00}. No overdraft occurred but they charged me a {$36.00} overdraft fee anyway dated XX/XX/19 but didn't show the fee on the account until XX/XX/19. I promptly called their customer service and was told by the representative XXXX that I spoke to that the fee could not be reversed. 
Something REALLY needs to be done about this as I am sick and tired of them XXXX people over unfairly and charging fees for overdrafts that haven't happened!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22
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: Information belongs to someone else

Complaint:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
the account was never authorized to report on my credit, please see the account below : Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns after payment $XXXX is a day late they make excessive phone calls through out the day hour after hour dqily starting at XXXX to almost XXXX.  I have stated that the payment will be late and as long as its not 30 days past due the phone calls need to cease.   My request has been ignored so numbers just continue to get blocked as this disrupts my entire day.  Here is the copy of my request:  As of today I want all phone calls to cease. It is considered harassment the hourly call I receive from this business over a payment that is not even 30 days old. If you do not comply I will be forced to file a complaint with the CFBP. Further communication will be done thru email only. (sent XX/XX/17)

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: IL
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 XXXX  Bankruptcy XXXX XXXX  reference # 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 with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, the debt that's reporting is inaccurate. I called to verify company that place negative item on account. They did not have proof. This is already in litigation process. I've sent out multiple letters yet no 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 explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or  used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

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 2020-09-22
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: Personal information incorrect

Complaint:
Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record

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 2023-04-22
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX, XXXX, FOCUS FINANCIAL SERVICES , has violated my rights. 
1

5 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. 
This account reported twice on XXXX, and based on my knowledge I don't owe this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Date : XX/XX/23 Amount : {$2200.00} + {$25.00} Wire Fee Detail : My computer was hacked on XX/XX/23 and the hacker was able to remote in and log into my Chase checking account ending in XXXX and gain access to my XXXX text messages, including the one-time code sent by Chase. The hacker initiated a {$2200.00} domestic wire transfer to XXXX XXXX Bank, an entity I have no knowledge of. Attached is a copy of my XXXX checking account statement Bank Response : I reported the fraudulent wire transfer to Chase on the same day the transaction occurred. I received the claim denial letter dated XX/XX/23 ( attached ) from Chase on XX/XX/23. 

Follow-up Action : I contacted Chase on XX/XX/23 and reiterated that I didn't authorize the wire transfer on line nor am I a recipient of the transfer. Chase again denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX XXXX, for {$610.00}, 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 an account without my written instructions. 
I do not owe this debt collector.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 obtain my credit report and noticed accounts and inquiries i did not authorize

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