BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I reviewed my consumer off report and noticed there are inquires that I never authorized. Consumer reporting agencies have assumed a vital role and have a duty to report consumer information with MAXIMUM accuracy. I have been a victim of identity theft and would like an investigation on who gave permission to authorize the following inquires XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2XXXX XXXX XXXXXX/XX/2022 Please investigate and provide the proof that I gave permissible purpose aka hand writing consent to authorize these inquiries.

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 2023-11-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone has been using my name and social security number trying to apply for different 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 2023-11-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
1. XXXX XXXX XXXX ( AUTOMOBILE DEALER, USED ) XXXX # XXXX 2. INQUIRY TYPE : PERSONAL LOAN COMPANIES ( XXXX XXXX XXXX ) XXXX # XXXX 3. INQUIRY TYPE : BANK CREDIT CARDS ( BANK CREDITS CARDS ) XXXX # XXXX 4. XXXX XXXX XXXX  ( BANK CREDIT CARDS XXXX # XXXX 5. INQUIRY DATE : MORTGAGE REPORTERS ( XXXX XXXX XXXX ) XXXX # XXXX 6. XXXX XXXX ( MORTGAGE REPORTERS ) XX/XX/XXXX # XXXX 7. XXXX XXXX XXXX ( MORTGAGE REPORTERS ) XXXX # XXXX 8. INQUIRY TYPE : MORTGAGE COMPANIES ( 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 2023-11-12
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My phone was stolen on XX/XX/XXXX and card was compromised the person the person who stole my phone was able to get into phone and XXXXXXXX XXXX themselves XXXX transactions for {$50.00} and XXXX transaction for {$1000.00} I was able to get the phone shut off and filed a police report Police report # XXXX the XXXX said I had to speak with my bank as well I contacted chime the representative was being rude she filled my disputes and canceled my card and the next day my dispute was denied I called back and re submitted the dispute with documents my dispute got denied again i called again and again still no help from them I sent supporting documents and contacted the merchant they investigated and said my card was compromised and I sent the police report and documentation. I will be finding a new bank chime is no help when it comes to fraud they are so rude about it. I ask for documents they still have not said anything to me. XXXX  BANK

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXXXXXX

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from TransUnion and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX FOR THE AMOUNT OF {$1600.00} 2. XXXX XXXX FOR THE AMOUNT OF {$470.00} 3. XXXX FOR THE AMOUNT OF {$520.00} XXXX. XXXX XXXX FOR THE AMOUNT OF {$100.00}

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 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Thursday, XX/XX/XXXX at XXXX XXXX, received call from unknown person claiming to be with XXXX, independent process servers and gave me a phone number to a company called XXXX XXXX XXXX XXXX I called the number and spoke with a paralegal named XXXX XXXX. He claimed that they were attempting to collect a debt that is approximately XXXX XXXX XXXX from XXXX XXXX I informed him of the Statutes if Limitation in Texas ( 4-7 years ) for debt collection and he became belligerent and stated that only applied if there was a tolling agreement. This is false. He threatened that the company was filing suit and that we could bypass it if I agreed to settle for half of the cost. This debt, if it existed, does not even show on any of my three credit reports. This is harassment, lies and threats

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX reported a late payment to my credit which I never paid late, requesting that it be deleted from my credit report 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 2023-12-15
Company: EQUIFAX, INC.
State: AZ
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX  I got a notification on my phone from XXXX of a hard inquiry from capital one which I did not make. I contacted capital one and let them know it was fraudulent. I immediately locked all my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have an ace elite account thur net spend n have an account for a few years now. I received a txt message to call them n I did n when I called they said my account was closed due to me doin something with my account but couldnt inform me of what I did. They said that there was no one I could speak to bout it but all they could tell me is that I was unable to open a new account n that my account was closed infinitely. I asked what I did wrong n they said they couldnt tell me thats all it said. I asked could I file a complaint n they said that they didnt have anyone for me to complain to. I said then I guess Ill have to file one with the financial protection of consumers affairs. So now thats what Im doin.

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 2023-12-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I had a mortgage with Wells Fargo from XXXX until XXXX. I never received any notification regarding their settlements for corrupt and widespread mismanagement of my account. I wish to know the status of my restitution payments.

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 2024-01-01
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Truist bank has allowed for {$2500.00} to be stolen from my personal money market account and when I filed a dispute the rejected my dispute without even doing a real investigation and I also provided a police report but the lady was being so rude.

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 2024-01-02
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION BY PLUS FOUR LLC, FAILED TO PROVIDE VALIDATION AS THE LAW REQUIRES : 1. Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

2. Show proof this debt assigned or purchased from a original creditor?

3. A complete account history, including any charges added for collection activity.

4. Proof that the Statute of Limitations has not expired on this account.

5. Proof that you are registered to transact business and/or collect in my state.

6. Proof of your authorization by law for your collection of information.

7. Evidence of whether this debt was assigned or sold to : PlusFour , Inc.

8. Does PlusFour, Inc. have a signed agreement with me personally as Nevada law requires Statue NRS.676A.040 Agreement defined for a collection agency to collect or manage my debt.

8. Please provide HIPAA a release form with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorized transactions were made on my Wells Fargo account XX/XX/2023 totalling {$1900.00} thru XXXX. After Wells Fargo notified me of suspicious activity in my account I immediately took actions that day to file a claim and emailed them that all the transactions made on this day were unauthorized. After the claims case the bank decided not to return the fraudulant unauthorized transactions that were made that same day. I would expect that Wells Fargo would return my money being that the bank is FDIC ensured. Further Under Regulation E, I would expect them to return my money, being that the charges were unauthorized and I let them know that within hours of their notification.

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 2024-01-02
Company: Experian Information Solutions Inc.
State: MO
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:
Experian just notified me that they are still working onthe issue on this complaint however they closed 2 complaints this morning which are identical to this one. Experian resolves nothing and continues to try and XXXX  money from me to get my correct scores, THIS IS CRIMINAL

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I just reviewed my credit reports and it shows inaccurate and unauthorized accounts.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

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 2024-01-05
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This has happened multiple times, but the most recent fact pattern is : On XX/XX/XXXX, I made a payment ( via app ) to my Citi credit card in the amount of {$10000.00} ; I believe this was the statement balance due by XX/XX/XXXX. On or about XX/XX/XXXX, my purchases started to be declined. I called Citibank and was told the card was maxed out, despite the fact that the IVR indicated there was open credit ; app also showed XXXX payment had been applied and credit line opened. Citi rep informed me that the XXXX payment was being held until XX/XX/XXXX. Why? Good question. First they said it was " fraud indicators. '' I asked what fraud indicators and rep said no, there are no fraud indicators. Then I was told " account is new. '' It's not that new. Then I was told it was because I made " multiple payments. '' I only made the one payment, and there was another minimum auto-tpayment made as is scheduled every month ( a service Citi offers and presumably encourages ). 

I've had this same problem before and was told that once I let the hold expire once, it wouldn't happen again. I did that and yet here we are. I asked for a supervisor. Specifically, I asked for an on-shore supervisor because the initial rep was off shore and difficult to understand. 

Next, Citi rep asked me if the bank holding the paying account was open. How am I supposed to know that, and how is it my responsibility? After much angry arguing, Citi connects to XXXX, the bank where my payment DDA is held. XXXX confirms that the payment was initiated on XXXX and posted on XXXX. Citi then decides it can apply the payment. 
How long is Citi allowed to " hold '' the payment once the money is posted out of my payment account? Why did it take me 2 hours of extremely frustrating phone calls to effectuate a payment that I made 12 days earlier? Citi consistently prevents me from both using this card and from paying this card. 

I requested information on why this happens, what authority they have to do it, and why it happens to me specifically. I have never missed a payment, I don't carry a balance, I have an XXXX credit score. What factors are motivating Citi not to apply a normal, expected, on-time payment? Are they trying to force this account into a bad status?

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX balance {$62.00}

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since my last dispute Transunion continues to retaliate against me Transunion refuses to give me access to my credit report Transunion refuses to provide my credit score Transunion keeps preventing me from disputing incorrect items : 1-Phone Number ( XXXX ) XXXX -- - not my phone must be Deleted 2- C/O XXXX XXXX XXXX XXXX XXXX {$540.00} -- -- Not Mine must be Deleted XXXX XXXX XXXX XXXX XXXX {$970.00} -- -- -Not Mine must be Deleted While XXXX and XXXX Deleted these incorrect information Transunion Refuses to Provide Details about Validity and Authority to collect this debt.

1. My signature on the contract for this debt 2. Chain of title for this debt 3. Chain of title that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX  legal authorization to collect on these debt. 
. 
6. Any and ALL insurance claims filed on this debt 7. Original signed contract that shows I am responsible for this debt 8. My credit application for this debt 9. Provide verification and documentation about why this is a debt that I am required to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  10. Proof that you have the legal authority to collect on this debt 11. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.

12. Provide a copy of the written agreement that created my original requirement to pay? 
13. Does XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhave a debt collection license from my state? If not, say why not. 
14. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

15. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place?

16. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

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