BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
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: Personal information incorrect

Complaint:
Disputed inaccurate info on credit report XX/XX/2022. Nothing was changed. I try to correct my address and other information, but nothing fets corrected. I feel that someone else has been sabatoging my credit report and score by entering wrong information.

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 2022-07-30
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose

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 2022-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo Claim # XXXX On XX/XX/22, Wells Fargo Online Fraud Detection Operations Department sent me a letter ( attached ), regarding unusual and authorized activities on my checking account " Restricting Access to my Accounts '' ( attached ) unless I contact them " My voice is my password, please verify me '', how can someone imitate you voice and over pass Wells Fargo Security System? 
I called Wells Fargo to report my cell & ATM Debit Card Stolen. 
Since accounts were compromised Wells Fargo made change account numbers, Usernames & Passwords for my safety and to protect my accounts, also CANCELED my " XXXX '' and " Wire Transfers ''. 
Since then I called almost everyday spending 2-4 hours between customer service and online fraud departments telling me " There's a process they need to follow & accounts are under investigation ''. 
On XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter of temporarily credited my account for {$4000.00} ( attached ) On XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter stating that they have " Completed their Research '' and temporary credit is final ( attached ) On XX/XX/22, Wells Fargo Claims Assistance Center sent me a new letter stating that they need more information " Again '' after they completed their research XX/XX/22 and made it final ( attached ) On the same day XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter stating that will reverse previous credit for {$1300.00} with XXXXXXXX XXXX XXXX XXXX in 10 business days. I didn't make any purchases or let anyone use my account or card ( statement with Merchants and withdrawls attached ). 
" WELLS FARGO HAS WRONG MERCHANTS AND WITHDRAWALS FOR XX/XX/22 CHARGES '' XX/XX/22, called Wells Fargo Claim Assistance Center and spoke to XXXX requesting an explanation and documentation regarding reversed credit for {$1300.00} with wrong Merchants and Withdrawals, they said will look into it and send information within 30-45 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America allowed a New Jersey state order to garnish my entire back account. I live in South Carolina they took XXXX and left me and my wife with nothing. 

South Carolina banks do not allow out of state garnishments they illegally garnished my bank account. Employees state they are just follow legal procedures call New Jersey court if you have more questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26
Company: Atlanticus Services Corporation
State: DE
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 creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1562 section 704A Section 2 it also states consumer reporting agencies can not post on my account without my written instructions Under 15 USC 1667B A creditor may not treat a payment on my credit card account under an open consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
" A direct deposit, in banking, is a deposit of money by a payer directly into a payee 's bank account. '' - XXXX By refusing to accept a disbursement from my XXXX IRA as a " qualifying direct deposit '' for their promotional offer, Chase is discriminating against my source of income, acting in bad faith, and deceptively advertising their promotion.

Chase bank has advertised a promotional offer, whereby they promise to pay a {$600.00} bonus to customers who open a checking and savings account, deposit and keep {$15000.00} in the savings account for 3 months, and make a direct deposit to the checking account. Chase does not specify an minimum amount or frequency for the direct deposit, but they do give some examples of what won't be accepted for the purposes of the offer, such as micro-deposits or person-to-person payments. An email I received XX/XX/22 from Chase 's customer service stated : " Please be reminded that a Direct Deposit is whether your paycheck, Social Security or another source such as a pension or retirement plan credited directly using your account and routing number. '' After completing the requirements and not receiving the bonus, I contacted Chase who connected me to a special department, a liaison office between the customer and what Chase refers to as their " E-coupon department. '' In phone conversations on XX/XX/22 and XX/XX/22, I was told repeatedly that transfers from a retirement account would qualify, but that the direct deposit from my XXXX IRA was " coded '' as coming from an investment account. The CSR suggested that if I provided a screen-shot showing the deposit was from an IRA, Chase would honor their offer. However, after providing this evidence, in a phone call on XX/XX/22, the CSR changed her story and said that IRA distributions would not be accepted for this promotion. 

For the record, XXXX XXXX, XXXX, and Chase on previous occasions, have accepted - without issue - a distribution from my XXXX IRA as satisfying a direct-deposit requirement. 

Since my direct deposit met all requirements, except, according to Chase, the SOURCE of the deposit, and since all of my income is from XXXX and other bank deposits, it really does seem that Chase is discriminating against me based on my source of income.

Beyond this, it really seems that Chase is going out of their way to snub customers, despite the fact they have FULFILLED ALL THE FINANCIAL REQUIREMENTS of the offer. If the purpose of the offer is to gain more happy customers, Chase is achieving quite the opposite. 

By any normal definition, an electronic payment of my IRA distribution from XXXX to Chase IS a direct deposit, and Chase stated on three occasions, that a deposit from a retirement account was acceptable, so I am asking Chase to pay the full {$600.00} bonus to my account, as per their advertised offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: HYUNDAI CAPITAL AMERICA
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for 322 purpose.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 credit card is a business credit card which is included in company 's XXXX XXXX. The account holder is XXXX XXXX by XXXX, XXXX. 

However, XXXX is still trying to collect and harm my personal credit. In addition, I've had several fraudulent XXXX XXXX XXXX collection attempts from XXXX XXXX XXXX accounts unrelated to the business. 

I demand XXXX business credit card be removed from my personal credit report 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 non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 received alert that my credit score on TransUnion had dropped due to delinquent account status. I checked credit report and found fraudulent XXXX XXXX card had been opened in my name. Account was opened XX/XX/XXXX. Charges of {$2000.00} occured in XX/XX/XXXX, and the account was closed on XX/XX/XXXX. Balance is listed as 60 days past due. 

Immediately placed a credit freeze and initiated a formal dispute ( file number XXXX ) with TransUnion on XX/XX/XXXX. Sent a certified letter to XXXX XXXX on XX/XX/XXXX advising them of the fraudulent account, and requesting its removal from my credit file. 

TransUnion responded on XX/XX/XXXX indicating they had " verified the information as accurate with the company. XXXX XXXX acknowledged receipt of my letter, but indicated they couldn't locate account. The account number listed on TransUnion 's report is encoded due to privacy concerns. XXXX XXXX says it needs full number to proceed, and TransUnion will not provide it to me. So I'm stuck with no way to resolve the identity theft.

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 2022-07-30
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} ; XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Foris DAX, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said no.. We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then Invested XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. Crypto.com throughout all of this never once wared me against submitting sending the funds, eventhough they had the resources to view and see that the account i was sending funds to was clearly red flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit 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 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all XXXX of the credit bureaus more than twice and no action has been taken.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Company: EQUIFAX, INC.
State: VA
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX 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: In progress
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In 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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then 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 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 explanation
Consumer complaint received 2022-12-07
Company: LEXISNEXIS
State: MD
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: Problem with personal statement of dispute

Complaint:
Hello, several times I submitted a complaint about this company. On XX/XX/2022, I submitted XXXX as a dispute about bankruptcies that they supplied to the credit reporting agencies. I disputed those bankruptcies on the grounds of consumer laws ; 15 U.S.C 1681 ( a ) ( 4 ) 15 U.S.C 1681 Section 604 A Section 2 Once LexisNexis came back saying my bankruptcy was accurate and verified, I sent them a letter asking for, 15 U.S.C 1681 a ( e ) They sent me a letter on XXXX XXXX stating that bankruptcy was unverified through the XXXX report and it will be updated and deleted from my file. I called again on XXXX XXXX for verification of the deletion. A representative told me that they only deleted one of my bankruptcies and the other one came back verified?! I asked how is that possible when you got your information from XXXX website and that I didn't give permission nor did the bankruptcy courts provided that information. They could not answer 15 U.S.C 1681 a ( e ) How could one be verifiable and the other is not? I want the other bankruptcy deleted from my report. I will upload the letter they sent about the deletion from my file and copies of my XXXX Report to show proof that they lied about being unverified because they know they violated Consumer Law 15 U.S.C 1681 a ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XX/XX/2022 my account was closed after opening it in XXXX suspiciously and I have reached out to the bank multiple times to have them tell me whats going on with my account and they keep telling me that they can not provide me with that information and theyre just gon na close my account and send me my money but whoever they have a send me my money for months and its like theyre all in onto my money and every time I called they dont want to help me or they tell me I cant give you any information you got a wait you got ta wait and its been months waiting my money was taken by Citibank I strongly believe it I have XXXX in my savings account and in my checking accounts XXXX I just really care about getting my money out of my savings I dont even care about my check in because I have XXXX in my savings and it just been holding onto my money

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