BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX I contacted Experian directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act. 

This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed. 

Experian was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ). 

Within the allowed time, Experian reported a response that the debt had been verified and would remain. Experian and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). 

To this end, I am requesting the assistance of the CFPB to hold Experian to task as well as the below referenced collections agency : XXXX XXXX XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, 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 2023-06-13
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: Account information incorrect

Complaint:
I reached out to each of the three credit bureaus by mail on XX/XX/XXXX, regarding the XXXX XXXX XXXX account XXXX. I asked each of the bureaus to investigate this account because I saw inconsistencies on the payment histories across each of the bureaus. The three bureaus conducted investigations and got back to me in writing concluding that all of the information concerning this XXXX account is accurate and verified by the creditor. 

Still, the credit bureaus continue to report inaccurate information. For instance, XXXX reports this XXXX account as being XXXX days late on XX/XX/XXXX, which is different from Experian reporting 180 days late on XX/XX/XXXX. The Experian report indicates that the account was CLOSED on XX/XX/XXXX and the other two bureaus do not indicate as such. Moreover, XXXX does not list any payment history at all for this account. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), once inaccurate information is identified, the credit reporting agency shall delete the information from the consumer 's file.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX I contacted TransUnion about the following inquiries 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 XXXXy : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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: 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:
Ive disputed an item on my report over 3 times with transunion and they are not providing me with the proper investigation when I ask them how did they verify this item. There is an item on my report that says it was including in bankruptcy and reporting inaccurately, I explained to them I have never filed bankruptcy and this information is not accurate. They just come back and say that it is accurate ur will not show me the steps they took to reassure the accuracy of 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 explanation
Consumer complaint received 2020-09-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted approximately 60 days ago about a debt from a company that i had never heard of by IC Systems. The collector said I knew who it was and I needed to pay the bill. I made the collector aware that I would not pay a bill that I did not owe and if he couldn't validate it I wanted no more calls. 60 days later its on my credit as a collection. I still have no idea about the bill.

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 2023-05-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
CFPB Orders Wells Fargo to Pay {$3.00} XXXX for Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts. 
Re-Mortgage. 
I had previously started a complain through CFPB ( XXXX ) which they closed because they said they tried to reach me. The first time they called I was in a meeting and stepped out to take the call, in speaking with the representative I asked if we can schedule a call to which he answer he would call me back. I did received call from wells Fargo but they were during working hours and I missed the calls. they are really not trying to help the consumer. So, they closed it. Well is not that simple, therefore I am requesting everything to be in writing. Further more I am requesting Wells Fargo Mortgage for the following : 1. A complete Forensic Audit of my account 2. The Original Promissory Note 3. Any and all assignments of mortgage done without my authorization 4. an explanation of the audit which may include all but not limited to charges, fees, assessments, balance transfer etc. 

I am demanding to have them have it In Writing within 30 days. FRAUD IS CRIMINAL AND JUSTICE NEEDS TO PREVAIL. 

Furthermore I request Wells Fargo Pays the amounts due based on the CFPB plus 10X the amount due to pain and suffering.

Wells Fargo is not helping and does not make it easy for affected parties with concerns to answer our questions, call this number call that number and at the end- nothing. I requested the simplest thing : tell me whether or not you have or will send me a letter telling me if you considered that I was affected. of course I was!!!!! I have to wait with he million of people to see if we ever going to get a letter. they can do better than that!!! I get the wait in line but they know who they wronged.

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 2023-01-10
Company: Chime Financial Inc
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX chime closed my account due to a reversal charge back in XXXX XXXX XXXX XXXX XXXX my direct deposit was sent to that account instead of returning it to my employer they deposited it after my account was closed. I have messaged chime customer service every day sometimes 5 times a day with no resolve but to tell me I need to email chime. Ive even reported them to the XXXX XXXX XXXX which they responded to them with they will refund my money to me after I send them a copy of my bank statement and my drivers license which I have complied with. All I get from emailing and calling is the runaround email tells me I have to call customer service customer service tells me I have to email my money is not being refunded Im not getting any explanation on why theres a hold up after Ive complied with all of the requests. Today I received a email saying that they have not heard from me so they are Closing my request for information today alone I have emailed them three times Ive emailed XXXX XXXX XXXX again today telling them that Im not getting anywhere with them all Im asking for is that {$600.00} that is mine my bills are not getting paid because they will not refund my money Im hoping you can help me I have every email theyve sent me Ive contacted my bank and they have never heard of anything like this and they cant help me they said because they dont know how to deal with chime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: NY
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN/XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX and 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 2018-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank is not upholding policies in regards to when a customer filed a claim against an unauthorized transaction.. in my opinion I believe the Fifth Third Bank discriminate against customers especially myself.. I was told one thing over the telephone however going to the branch its a different story ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Back in late XXXX I attempted to close a retirement account with Wells Fargo. The account was funded by XXXX XXXX by way of a weekly prevailing wage contribution, which began in XXXX of 2015. The account amassed a little over {$16000.00}. When I inquired with the account representatives via phone calls about closing the account they told me the account had a loan balance of approximately {$300.00}. The amount outstanding would be deducted from the balance as well as a {$40.00} service fee, and finally AFTER their deductions a 20 % Federal income tax fee would be calculated from the net amount. The loan had already been paid in full, so this was a flat-out LIE. Since this time I have observed the account still having a balance of {$300.00}. So I called them to have the remaining {$300.00} sent to me. They said sure they would AFTER they again deducted another {$40.00} service fee and an additional 20 % Federal income Tax from the remaining $ XXXX.AGAIN THEY ARE SCAM ARTISTS. They claim to be a part of Wells Fargo but in truth they are NOT. Their phone number is : XXXX ... ... CONSUMER BEWARE ... ... ... ....

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 2018-08-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was recently assigned the phone number ( XXXX ) XXXX and I am receiving recorded/automatic calls that are not intended for me. I have previously requested to have TSI ( Transworld Systems Inc. ) remove my phone number as I am not the person they are trying to contact. The recording says to call XXXX and ask for XXXX XXXX XXXX. The ID CODE / Reference # for the call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a debit card from Bank of America for which I never applied. I destroyed the card. Later in XXXX of 2022, I received a letter from Bank of America informing me that two applications for a XXXX XXXX had been received and one of them was processed while the other was cancelled. 

In XXXX of 2022 I received another letter from Bank of America informing me that I owed {$77.00} on a charge card for which I never applied. As a result, I sent letter to Bank of America informing them that I had no accounts with them. They then responded with phone call during which I spoke with the Debit Fraud Dept and then was transferred to the Check Fraud Dept. I was informed to contact Social Security and spoke with a gentleman who informed me to speak with the police, the FTC and the Internet Crime Complaint website. I am on your site after getting transferred from the FTC site.

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: 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
JP MORGAN CHASE BANK KEEPS SENDING ME BILLS FOR OVERDRAFT LINE OF CREDIT PROTECTION THAT THEY SAY I AUTHORIZED THEM IN 2005. DESPITE THE CHECKING ACCOUNT IN QUESTION BEING CLOSED, THEY KEEP SENDING ME BILLS AND REPORTING NON-PAYMENT TO CREDIT AGENCY SEVERELY AFFECTING MY CREDIT. I HAVE CALLED SEVERAL TIMES TO THEIR XXXX NUMBER AND VISITED THE BRANCH BUT TO NO AVAIL. THEY ARE REFUSING TO RESOLVE THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Investigation took more than 30 days TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.

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 2021-11-04
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The company Experian keeps sending me e-mails that I am approved for various XXXX XXXX credit cards. The message is saying " congratulations '' your new credit cards are waiting for you '' when I take the advice of experian and apply my application is denied immediately. The last credit card I applied for is called XXXX and XXXX by XXXX XXXX. Please remove the inquiries and decisions from my credit report because the message is misleading and I feel discrimination is present.

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: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my HYUNDAI MOTOR FINANCE accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of hospitalizations and back to back XXXX  that were XXXX XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, 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 2023-05-09
Company: EQUIFAX, 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 sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief