BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I ordered a new pair of shocks for my XXXX XXXX XXXX  with mag ride for XXXX dollars. On XX/XX/XXXX I received the package. On XX/XX/XXXX I went to install the passenger side rear and when the car was turned on I received a suspension error message. I asked for a refund since I was within the company 's refund policy. I stated I would return them once a return label was received. The seller and I went back and forth for 2-3 days. He wouldn't sent a return label. XX/XX/XXXX I filed a chargeback with Wells Fargo Bank. XX/XX/XXXX I received a letter from Wells Fargo denying my claim. Called Wells Fargo and was on phone for almost 30 minutes attempting to plead my case. Was transferred to upper management and apologized to. Told the claim was approved now and everything is taken care of. XX/XX/XXXX I received another mail. Letting me know I'm going to have XXXX dollars removed from my account. The claim was denied. Double the original provisional credit! Called immediately and they stated I didn't submit " proof ''. That I should have never been told the claim was approved. Now it has been submitted to another level of management to review the phone call.

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 2023-02-16
Company: Kinum, Inc., Indianapolis, IN Branch
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Somebody calls me every morning and is XXXX acting towards me. They say I owe a bill for a business that is not mine. I've asked them to stop calling in to do everything by mail and to mail me what it is they're talking about. They said they can call me every single hour of the day legally and I've asked him to stop at least XXXX times. The name of the company is Kinum

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX has sent out several confusing letters attempting to collect a dent for American Express in the amount of {$9600.00} but I never gave written consent or authorization to this company to have my personal and private information. XXXX XXXX XXXX XXXX is a debt collector but American express is still actively contacting me regarding the same debt. Due to this situation my credit reputation has been damaged and I have been denied a new home and business funding which takes away my ability to pay my bills, run my business, feed and cloth my family. This situation is causing stress to myself and my family. My federally protected rights as a consumer have been violated by both companies. I did not sign any contract with XXXX XXXX XXXX XXXX and give them permission to have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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 was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit alert from XXXX regarding a credit card account opened under my name with capital one on XXXX-2022. I contacted capital one at XXXX they assured me that there is no account under my name or social security number. However, I found that someone opened an account and added me as an authorized user without my permission, without my knowledge. capital one never got my permission to add me as an authorized user, they never contacted me or got my consent to be an authorized user. they checked my credit report without legitimate reason they also posted it on my report and denied that I have an account under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint from XXXX XXXX XXXX XXXX [ XXXX  ] ( a subsidiary of Citizens Bank , National Association - Primary Regulator OCC, Secondary Regulatory - CFPB ) On XX/XX/18, I sent in my correspondence with XXXX to cancel PMI due to my balance being below 80 % and having no past due payments. 

On XX/XX/18, XXXX indicating I would either need to get an appraisal or broker price opinion to ensure the value of my house has not decreased and ; therefore, confirming the loan-to-value is indeed below 80 %. 

I promptly sent in my check for the broker price opinion ; however, I have yet to hear back from XXXX. It is now XX/XX/18. 

If I hear back from the bank soon, I will still need the broker price opinion completed and sent to the bank and confirmed that the value has not decreased. I estimate that will probably take another month before that is completed. 

I now have had 2 months of payment PMI when I have had my loan-to-value below 80 %. I think the bank is not compliant with the Homeowners Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Asset Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Asset Recovery Solutions has called my parents home : XX/XX/2018 Asset Recovery Solutions has called my job : XX/XX/2018 XX/XX/2018 XX/XX/2018 Asset Recovery Solutions has called my cell phone : XX/XX/2018 XX/XX/2018 XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my Bank of America account # XXXX, credit limit {$33000.00}, that occurred due to my email being hacked. ( See Attached proof ). 

In XXXX, XXXX my XXXX email ( XXXX ) where I get my statements from Bank of America was hacked. Due to this, Bank of America did not get to me at the time and I was not even aware my account was carrying a balance and had a payment due. 

Months later after dealing with XXXX, when I was able to access my email, I found that there were emails from Bank of America and I was late on the mentioned account. I immediately made the payment on but by that time I was already marked late. 

Again, this was a situation that I could not control. Anyone can be a victim of identity theft. I had over {$45000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

As a courtesy, I am requesting that Bank of America make a goodwill adjustment and remove the late payment from my record. This account was closed, but I have been with you since XXXX ( with another account ). You have been my bank for a long time. 

See attached : - Proof of email hacked - FTC Report - XXXX Bank statement showing funds Thank you for your consideration. 

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 2020-07-09
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 was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.

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 2023-05-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
During the Pandemic I had two credit cards with XXXXXXXX XXXX XXXX. One card was opened in XXXX XXXX and I had one late payment in XX/XX/XXXX. The other was opened XXXX XXXX and had 3 late payments XXXX, XXXX and XXXX of XXXX. I live in a state where we were shelter at home and I was told no late fees or credit reporting would happen during this time of the Pandemic. After checking credit report I see both accounts reported these late payments as promised would not happen. I was surprised to see this as I was assured it would not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today XX/XX/XXXX nd I was not allowed to link my PNC bank account to my XXXX XXXX, and I need to pay my bill and am not able to transfer my money into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 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 non-monetary relief
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

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 2020-11-25
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chime has frozen my account due to a return of {$2200.00} from XXXX  .. they claimed there were no transactions in relation to the returns yet the original payments all came off this account and were returned in the same increments. 
Original payments - XX/XX/XXXX - {$370.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$1200.00} Upon return of these transactions ( in the same order that they were taken out ) my account was frozen! I have to prove, without access to my account, that these charges are valid even though they VALIDLY sit right in my account transactions history! This is NOT OK. I am without a dime and my XXXX young children will be missing out on their holiday due to the incompetence of Chime/XXXX  review of transactions on accounts. I have sent every email that is necessary, had a supervisor verify the original charges, yet am still sitting here having to wait for a 2 to 3 day process of review. I should not have to go through a legal process of review when the initiation of said process was never legally valid to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-02-16
Company: Experian Information Solutions Inc.
State: VA
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:
Experian credit reporting has been complicit with allowing XXXX XXXX XXXX XXXX to incorrectly report information on my credit report. I have sent a debt validation to the company within the 30 day period of them sending their collection to the incorrect address on file. They have yet to respond to the debt validation and they have inaccurately reported information on my credit report multiple times.

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 2023-07-05
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate 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 and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Support Representative, I just discovered this and paid the amount of XXXX . You can find the payment of the receipt that is attached. I would appreciate if you can help me remove this derogatory mark as affects my credit history. Sincerely, 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 2020-07-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2005 I refinanced my house. At the time of refinancing Wells Fargo had my mortgage. Now that rates are so much lower than they were in 2005, I am refinancing again IN HOPES of getting a better rate. When the attorney was doing the title work they discovered that Wells Fargo DID NOT release my mortgage to the company I refinanced to when I left them in 2005. I have called the numbers listed on their website numerous times but because I don't have an account number with them, they can't help me. I offered them my SS #, birthday, etc. but was told that they can't " search for it that way. '' CLEARLY, I don't have an account number nor a loan number because I left them in 2005. Last Thursday, another worker gave me a fax number and instructed me to send a written correspondence to see if that department would check their archived records ( evidently info from 2005 isn't in their computer database ). I called Wells Fargo back today ( one week  later ) and they have no record of any correspondence made by me. I have a fax receipt that my fax was indeed sent last week. 

I need help resolving this because if too many more days pass, my " better interest rate '' will go up and I will have to pay fees. Please help 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