BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-17
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX has been invaliding reporting and account to credit bureaus for over 7 years ; this is not my account and does not belong to me for the last 7 years I have been in contact with credit bureaus and company to have this negative item removed overtime we speak they update/ renew collection account to remain on file longer. I have filed ID Theft Affavaidt # : XXXX which has been submitted to local police and credit bureaus. This account and all non account holding inquires need to be deleted from reports.

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 2018-04-04
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
staHello. I moved end of XX/XX/XXXX from XXXX XXXX, Florida to XXXX, XXXX. I rarely write checks from my checking account. Maybe one or two a year. In XX/XX/XXXX had written a check to a mover company. That may have been the only check I had written in XX/XX/XXXX. I have been with citibank for 18 years. After 18 years, they should have known my banking habit. Citi encourages the consumer to do online banking, They also encourage people to uses paperless bank statements. They are suppose to email every month reminding the consumer that their bank statement was ready to be reviewed for each month. I do not remember receiving any email from citibank ever. Being extremely busy with my move I am not sure if I checked my account statements. XX/XX/XXXX, i saw someone had taken money out of my account. Called Citibank right away, Talking to a fraud department we have realized they have been pilfering money from my account every month. Almost 10K. All of this was happening ensuing months after my move. They started pilfering money as of XX/XX/XXXX. The only people knew about my move was this movers company. Citi reimbursed me for {$6700.00}, They are refusing to pay the rest, {$3200.00}. Their reasoning is I failed to inform them about the irregularities within 30 days. They do not mention that Citi has failed to protect my account. I trusted them my money. They should have noticed the irregularities happening to my account. Also, they never emailed me reminding me my monthly bank statement was ready to be reviewed. They have abdicated their responsibilities. I trusted them my bank account. Apparently, they can not protect accounts. They should have noticed some thiefs were robbing me. If I had not noticed it, these thief have probably stole more money. I am a XXXX years old man. Often times it is very complicated to download paperless statements online. Please help me. 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 monetary relief
Consumer complaint received 2023-07-25
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: Information belongs to someone else

Complaint:
See document 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 non-monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. same accounts but are being reported different days late for payment. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account to be removed from consumer report due to inaccuracty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I investigated my updated credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-03-14
Company: Bridgecrest Acceptance Corporation
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 information incorrect

Complaint:
I bought a XXXX XXXX XXXX from XXXX around XX/XX/2018. I bought the car and then traded it in for an XXXX XXXX XXXX. When I did this, I had Bridgecrest send the payoff amount that they quoted me, to themselves for the XXXX. XXXX/Bridgecrest is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to Bridgecrest and XXXX and it was approved. The issue here is that on my credit, Bridgecrest shows a charge off amount for the XXXX on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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've disputed a fraudulent bankruptcy filing under XXXX XXXX XXXX   CA XXXX CASE # XXXX with Experian several times which Experian has continued to ignore. Experian claims they received this information from a 3rd party Vendor of XXXX XXXX XXXX XXXX XXXX which I've attached to this complaint as proof. Upon getting this information from Experian I've reached out to the vendor they claim that provided them this information and started a fraud dispute with XXXX. After XXXX investigated my fraud claim they came back that the listing in its database was fraudulent and they had removed it from all XXXX databases. 

Experian continues to play games with my dispute and acted as if I didn't submit my own dispute. With that said I've attached all proof for my dispute including my Drivers License, Social Security Card and Utility Bill as proof that it is me XXXX XXXX that is submitting the proof through the CFPB to Experian. Also this dispute that is being made through the CFPB is a result of trying to reach Experian directly with many failed attempts. Experian doesn't answer phone calls or return messages.

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 2018-07-24
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: Personal information incorrect

Complaint:
I have been trying for several months to try to rectify the address that Equifax has about me. I have explained that i live in a single family dwelling, that it is not an apartment building and yet they persist on maintaining an incorrect address which has been on my file for many years after a mix up of addresses. They have requested, and I have sent, a copy of my social security card and of my drivers license which shows my home address correctly.

Still they send me letters requesting more information of the kind I have just provided. The bureocracy of this company is beyond belief. I want a correct credit record and they are of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: WELLS FARGO & COMPANY
State: CO
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:
{$390.00} is what I owe to get my bank account up out of the negatives but I never did it so they put it towards my new 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 2018-07-24
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was contacted by my bank institution ( key bank ) and I was informed that there were some activity within my account and wanted know if I knew or authorized. I told them no I did not and do not have any transactions recently that I made. I was instructed to come in to my parent banking institution to sign some papers stating my knowledge of the inscident and let them know I did not make that transaction. I failed to remember my ID and I was denied seeing the gentlemen who I spoke with from my branch and therefore I missed the ending time for gettin the papers signed and my account was canceled with an alert on my name. I work full time on a some of 50-70hrs a week so Its a conflict with me being free to situate this issue. I also stated that and I took a day off work. Only to be rejected. I asked the clerk at my branch if it would be a problem to make the gentlemen aware that I was present in hopes he would understand my issue of my ID, so that I could be given a grace period to straighten this out. Again, I was not accepted. I went back a couple later to fill out the papers anyway just because. I was contacted by the gentlemen who instructed me to come in and he told me he couldnt do anything now that the account had been closed. I was given the info about this site by XXXX XXXX  after an attempt to establish another account there. I was told theres a alert attached to my name. The issue was that an attempt to deposit a check for a some just under three thousand dollars on XX/XX/2018. Again I informed them that I had no knowledge of this activity. I cant recieve any of my work checks because of this. I have to support myself and family. Big hinder! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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:
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.

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 2023-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I rented a car through XXXX on XXXX XXXX XXXX in New York City for the dates of XX/XX/2023 through XX/XX/2023, and they did not provide me with an XXXX XXXX ( that I requested ), and this resulted in additional charges. However, the price of my XX/XX/XXXXday rental was initially {$320.00}, and I was charged an additional {$290.00} upon returning the vehicle ( I never received a receipt to explain the charges, and I can not get in touch with an XXXX representative over the phone ). I returned the car on time and with no damage, and I did not incur {$290.00} in tolls driving to Delaware and back. 

I tried submitting a dispute for the additional {$290.00} through the Chase Bank app, but they redirected me to a phone line with long ( XXXX hour ) wait times. I would like Chase to reach out and help me dispute this erroneous charge. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: SC
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:
The following inquiries are fraudulent : 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I wanted to close my Business checking account with Bank of America. Once again they are giving me hard time and not doing so. Bank of America is too big and too inefficient. Bank of America hardly employee good people - cheap and mediocre people working here.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
A year later ... Transunion will not let me request my credit report via the annual reporting website. In addition, their free online consumer tools continue to lock me out or give me " this request can not be completed online '' when I attempt to access anything. The previous excuse was that I had a dispute " pending '' it's been a year. When I have paid for credit monitoring through them somehow it's no longer a problem. 

Of the 3 major reporting agencies, Transunion is the least accurate. Their responsiveness to reporting requests, disputes, on the phone, web, etc. is by far the worst. 

I don't appreciate my private credit information being serviced overseas. I know I'm the " Product '' here and not the consumer. That said I have rights, TransUnion needs to be investigated and audited for their business practices.

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 2020-09-03
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, someone committed fraud by finding a lost wallet, and using the contents of the wallet to deposit a US Treasury Check into a secondary account and immediately withdrawing monies by utilizing cashapp to transfer money. Cashapp was contacted immediately afterwards to file a claim against this unauthorized use as more than {$1000.00} was transferred from the account. They forwarded a notice on XX/XX/XXXX acknowledging that they needed to apologize due to their slow response on the the matter and that a representative would contact us immediately. That was back in XXXX. This matter still has not been finalized to this day. I am requesting that cashapp pay back all the money that was taken under this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been multiple over draft fees of {$35.00}. For a day XXXX times. It happened often between XXXX. I should have overdraft protection. The mistake was the bank forget to link saving to checking. Besides that my credit score ruined by putting me to debt collection. For years and years now when they should be solving a problem first.

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 2020-10-21
Company: Experian Information Solutions Inc.
State: MS
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 disputed this item multiple times over the years and thought this was removed.

I recently received a copy of my credit report and found the following item ( s ) to be in error : The status is incorrect for the following account TN CHILD SUPPORT Account Number : 5368 According to Code 623 ( 1 ) ( a ), furnishers of information to consumer reporting agencies are prohibited from providing information with actual knowledge of errors. The reporting dates ARE NOT consistent across bureaus and I have documentation indicating that I have never been delinquent.

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 2021-05-20
Company: JPMORGAN CHASE & CO.
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 have a loan with JPMCB HOME LENDING, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB HOME LENDING and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX  and XXXX, and JPMCB HOME LENDING with no successful resolution. XXXX, XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX USDOE/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 XXXXXXXX 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 2023-06-29
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$33000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I was contacted via phone call about getting my loans forgiven. I believe this was a fraudulent call. The call was specifically about repaying XXXX loans and then consolidating the rest. The fee for it was {$700.00}.

Company response to consumer: Closed with explanation