BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 explanation
Consumer complaint received 2022-07-31
Company: Incomm Holdings Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
i had a XX/XX/XXXXvanilla prepaid card that i have had a direct deposit of {$320.00} a XXXX sense XX/XX/2022 every XX/XX/XXXXi would go to aXX/XX/XXXX an withdraw {$300.00}. becauseXX/XX/XXXXvanilla would charge me XXXX cents per transactions everything was fine as far as i know in XX/XX/2022 XX/XX/XXXXvanilla overdrew my acount {$800.00} when all oi had in my acount was {$1.00} they said is was because of XX/XX/2022 they did not put a hold the withdraw butt it makes no sense because in XX/XX/2022 when my depost went in i went an withdraw my {$300.00}. that left {$25.00} in the account i did the same thing XXXX an XXXX same than then by acciendent i pulled my account up an seen someone had overdrawn a prepaid card for the total ammount of {$800.00}. when i called an asked about it they said that XXXX XXXX  did not get there money for the XXXX  of XXXX for the ammount of {$300.00}. an another {$200.00}. in the same XXXX  they also said that XXXX XXXX did not get there money for the XXXX  of XX/XX/2022 so i qustioned XXXX XXXX an they said that the XXXXvanilla did not put a hold on there money this was not my falut XXXXvanilla should have had a hold on there money but someone did not do there job they even went aganist the card agreemeet severle times they went over the 60 day priod ihave been hung up on 3 out of 5 times the bank # is no good says its disconneted they did not put ahold on the amounts that they say is overdrawn one of thre repes said i went into the bank on XX/XX/2022 an withdrew the ammounts over drawn i was not in the bank on that i day nor did or could i over draw on a prepaid card i feel someone should have contacted me about this matter but instead they waited 120 day to pay back a debdt that should have been on hold i do not feel responsiblle for this evrytime i call custermer service i get hung up on i have 4 differnt bank statments one when i seen the overdraft one after i called them an the 2 they sent me an they all 3 are differnt i feel they should stand good for the over draw because they are the ones that let this happen they broke the card agreement when they didnt hold the money in XXXX an XXXX no one noffied me me of anything being wrong when i qustioned XXXXvanilla about this matter she said would be notified in 30 to 60 days really this crazy an i do not feel responable please help me with this matter XXXXvanilla said you can not overdraw a prepaid account but yet they overdrafted me 120 days later please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2023-11-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to express my desire to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party, as allowed under the provisions of the Gramm-Leach-Bliley Act.

According to the regulations, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without providing the customer with the option to opt-out. I am exercising my right to opt-out of any such disclosures.

Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. Additionally, I appreciate your assistance in providing information on how to further manage and review my privacy preferences in the future.

If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. 

I value the services provided by XXXX XXXX XXXX XXXX and trust that my privacy preferences will be respected. Thank you for your attention to this matter.

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 2022-07-31
Company: Experian Information Solutions Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1681 Section 604 A Section 2 : My student loans is all paid for. All student debt, loans, fed loans needs to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Cascade CISS Holdings, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
In section 15 you sc 1681 section 602a State I have right to privacy 15 USC 1681 section 604a section 2 it also States a consumer report agency can not furnish an account without written instructions USC 1681 c A5 section States no consumer reporting agency may make any consumer reporting containing any of the following of information any other adverse items of information which in a dates the report by more than 7 years other than records of convictions of crime in accordance with The Fair credit reporting act the list of inquiries has XXXX my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 USC 1681s-2 A person shall not furnish any information relating to a customer or consumer or reporting agency if the person knows or has reasonable cost to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for my checking account with a promo code to receive {$400.00} after making {$5000.00} in direct deposits to the account. US bank has denied me the bonus saying I was not eligible. I have met all the terms and should be entitled to this bonus. 

Account number is 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 2022-09-27
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime, the XXXX bank closed my account without notifying me. Although most banks will send you mail or email notifying you that they closed the account. After speaking with them because i do think it is a mistake After speaking with them for hours talking to different people Nobody could tell me why or how my account got closed. I do not engage in any illegal activities so I know nothing fraudulent was done. However chime is my main bank account been with them well over 2 years I pay all my bills through my chime so it has been a huge inconvenience because I was logging in to actually pay some bills then seen the account was closed so now those bills are behind and has hit my credit already and will Be behind even more waiting on the check I am in the process of getting a new bank account with someone else so I can get my check direct deposited into that account but I wont get paid till next Friday so now I am broke & struggling with bills right now because of my own banking company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: OH
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:
Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 Section 2 : Its Also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-08
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX and XXXX of this year, US Bank paid mistakenly paid property taxes on my neighbor 's house totaling {$14000.00}. I received my escrow analysis on XX/XX/XXXX and brought the error to their attention by email and phone when I determined that they were trying to escrow funds for my neighbor 's property taxes and my property taxes for 2023. Their error would require my monthly payment to increase about almost {$2000.00}, a near 30 % increase, for the next 12 months, starting with my XX/XX/XXXX payment. 

After multiple phone calls to their call center, I was assured the situation would be resolved by late XXXX with the escrowed funds being replaced and the escrow calculation being redone so that my payment did not show an escrow underpayment of almost {$24000.00}. I was also told that if I could not or did not want to make the XXXX mortgage payment which is {$2000.00} more than normal, I could simply wait for their internal processes to be resolved and there would not be a late fee so long as I paid by XX/XX/XXXX. I was also advised that it would be fixed by XX/XX/XXXX. 

I checked with US Bank regarding my account today and after spending over 30 minutes on the phone with two separate representatives, I was told to continue waiting for US Bank to received a refund from the county tax assessor so that they could refund my escrow account, recalculate my monthly payment correctly, and then update my account. They also advised me that if I did not make the full payment by XX/XX/XXXX ( regardless of whether they fixed my account and had it reflect the correct amount ) they would report me to the credit bureaus for delinquency. 

I have tried to pay just the correct amount of my mortgage but US Bank will not allow me to do that since their system still has not been corrected and is requiring the additional {$2000.00} each month. 

I have never had a late payment in my life- so the potential effect on my credit is a very personal one. I have spent hours trying to work with them over the past 7 weeks to resolve the situation but feel I have no real recourse if they continue to simply pass the problem around to their various departments without taking real action. 

I believe the actions of US Bank may violate RESPA and other consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
I was effected with identity theft due to my illegally name change in the database system reported deceased illegally without a death certificate illegally data of birth change cause me to not gain credit assistance denied credit letting other companies gain credit card an mortgage loans in my name making my credit score to decrease to poor knowing I never had anything in my name identity theft I was effected in XXXX database identity theft never received my settlement if they can't provide 2 form identity card by government law name an an birthday incorrect they company 's that reported should be hold acceptable for the action should be deleted off my credit report I half to suffer knowing I get turn down because my credit is XXXX because other companies saying I owe them for stuff I never applied for my credit is in good standard I fill like I should fill a lawsuit against the them for allowing them to do that an report false information cause me to go through this stress I get denied credit from everyone can't even get a home loan due to poor credit for allowing them to be placed on my credit report knowing my data of birth is incorrect no debt no nothing with out identity cards on file thats the government law in the United States apply for credit u should have identified card on file nobody should use false information to gain credit in someone name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo off of XXXX XXXX XXXX  in XXXX Arizona sent a letter to my sister 's home on XXXX XXXX XXXX XXXX XXXX Arizona telling me XXXX XXXX that they had a refund in my account for XXXX dollars .I DONT HAVE ANY BANK ACCOUNTS AND NEVER OPENED A BANK ACCOUNT AT WELLS FARGO I SPOKE TO A BANKER AT THAT BANK AND TOLD HIM I WANTED TO KNOW WHO WAS USING MY NAME AND CHECKING ACCOUNT TALSO TOLD THEM I WANTED CHARGES PRESSED AGAINST WHO EVER WAS USING MY NAME FOR ACCOUNT AND NEVER DID THEY CONTACT ME ALL THEY DID WAS CLOSE THAT ACCOUNT I WISH TO FILE A LAWSUIT AGAINST THEM FOR DOING THIS TO MY LIFE AND MY IDENTITY XXXX XXXX XXXX XXXX  XXXX WELLS FARGO BANK XXXX ARIZONA

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 2022-07-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Opened a fee free checking account over 10 years ago and every once and a while Chase makes attempts to steal {$12.00} without even alerting be text or e-mail. They have notified on subsequent occasions that even a theft of as little as {$12.00} is taken seriously. We are concerned they engage in this behavior to seniors and the less fortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, I am writing to file a complaint against XXXX, XXXX and Transunion for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report. 

Please see the dispute letters I attached on this complaint. It consist the account details. 

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report. 
2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes. 
3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future. 
4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.

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