BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I recently created a credit monitoring account and noticed that someone has been illegally using my information to apply & get credit cards. Which caused a couple of inquiries to appear on all 3 of my credit reports that i never authorized anyone to do so and to my knowledge this is a violation to my rights & the law, and all fraudulent inquiries should be removed.

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 2023-06-17
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:
TO WHOM IT MAY CONCERN THIS COMPANY CLEARLY STATES THEY ARE THE WRONG COMPANY TO ADDRESS ABOUT THIS ISSUE THIS IS THE COMPANY NAME THAT APPEARS ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX, PA XXXX I FEEL I AM A VICTIM OF FRAUD PLEASE REMOVE IT FROM MY CREDIT REPORT US C CODE 1681 STATES TRANSACTIONS CAN NOT BE ON CONSUMER REPORTS I NOTICED THE FOLLOWING DETAILS ON MY EXPERIAN CREDIT REPORT XXXX DATE OPENED XX/XX/2019 ADDRESS ID XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX TERMS XXXX MONTH CREDIT LIMIT {$2600.00} RECENT BALANCE 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 2023-03-12
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: Account status incorrect

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. Account name and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX BANK Account # XXXX. 
XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX 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 an 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2023 I just received an alert stating that my information was improperly used to obtain credit in my name while my transunion was locked.

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 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX my balance fell below the {$300.00} minimum which I was not aware off since I did not check my Bank of America Savings account. And was charged the {$5.00} maintenance fee until XX/XX/XXXX so for 10 months a total of {$50.00} in fees when I realized that then I contacted customer service in XX/XX/XXXX and they were only able to credit me {$10.00}. And was told that I need to maintain {$300.00}. So that is what I did to maintain the {$300.00} minimum. 

Then to my surprise I was charged another {$5.00} maintenance fee for the month of XXXX on XX/XX/XXXX and that caused my balance to drop my balance below the {$300.00} minimum so in XX/XX/XXXX I saw what happened so I contacted Customer service and they refunded me the {$5.00} maintenance fee. 

Then to my surprise on XX/XX/XXXX I was charged another $ 5 monthly maintenance fee. I guess now I am told that if anytime during the month if the balance drops below {$300.00} then I will be charged the monthly maintenance fee so it looks like that happened between XX/XX/XXXX to XX/XX/XXXX but the reason why that dropped is because your $ 5 monthly maintenance fee caused the drop in balance and all this issues. So it was due to them that caused the drop below the {$300.00} due to the fee. So in retrospect I should of been credited {$10.00} not {$5.00} for XXXX and for XXXX instead I was charged another {$5.00} fee in XXXX. 

All I am asking is to refund me the XX/XX/XXXX {$5.00} maintenance fee because it was because of your system that caused me to drop below the {$300.00} minimum. 

You could say it is my fault for not paying attention and not understanding the rules but as a customer your practices are not consumer friendly and really what you should do is in the Account summary page highlight a warning that the minimum amount is not met and that maintenance fees are warranted. For now I will have to add extra funds to make sure even if I get charged a fee that I don't drop below the {$300.00} minimum. But your practices in fees are really questionable and not consumer friendly. I am sure this is also happening to others and not just me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know these people who they are or what they want. My debts are all paid or on time and the one which someone ran up without my permisssion and i decided to settle it. It had has been settled byXXXX as of XXXX 2023. I have gotten a phone call that I answered and they wanted a relative ( niece ) who I do not have contact with. I have no outstanding debts that are late or any negative debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: GA
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 XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
According 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
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:
there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX # XXXX {$710.00} -XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXX XXXX # XXXX -XXXX XXXX # XXXX {$800.00} -XXXX # XXXX {$0.00} -XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: WELLS FARGO & COMPANY
State: GA
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:
On XX/XX/XXXX, my Wells Fargo Checking and Savings accounts were hacked with unauthorized wire transfers via the Wells Fargo mobile app ( which I do not use ). Initially, the hackers attempted to take {$390.00} from my checking and were thwarted, however, they were able to take {$11000.00} from my savings. The fraud specialist promptly shut everything down ; online logins, my debit card, and both account numbers. 

On XX/XX/XXXX, I called the fraud department for an update on my claim and WF is telling me the claim is closed because they could not retrieve the funds from the beneficiary account and all I can do is file a police report. I asked the Bank Manager to escalate the claim and at this time, the only recourse seems to be that I keep requesting WF to continue to make attempts to return those funds to the account from the beneficiary bank. The Branch Manager told me sometimes it takes a few attempts, but I'm not convinced they'll retrieve it. I filed a police report with XXXX XXXX as well as an online FBI report. 

On XX/XX/XXXX, I had the WF fraud department attach my police report case number to the file, which may or may not reopen the claim.

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 2023-03-12
Company: Self Financial Inc.
State: LA
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 XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my loan with Ally Financial and they still have my account listed as delinquent 90+ days instead of paid in full and they refuse to change the status. I have disputed this on my credit report numerous times and they are refusing to correct it.

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 2023-06-27
Company: EQUIFAX, INC.
State: MO
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 am submitting this complaint myself to told you that the 3 credit bureaus seemed to fail to remove the following accounts listed here on my complaint. For that, I am requesting to you to help me gather some investigation with this issue. The current status should not be showing late because I paid it on time. Three Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets verified and remove these immediately. The Bureaus are required to verify for them, but they failed to remove the accounts. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts which are late/closed and charge off immediately : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly. XXXX XXXX Balance : {$0.00} - I need to dispute charge off account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX opens XX/XX/XXXX I was medically affected financially by XXXX I have sent proof which is medical documentation of what was going on. There is an FCRA law that is being violated please remove any delinquent payment as I faced financial hardship reduced hours and being forbidden to work when I came in contact of anyone with the virus as well as I was medically test Positive with the virus which caused other medical issues during this period which caused me not to be able to work which cause a reduction in my financial history starting XX/XX/XXXX up to XX/XX/XXXX medically XX/XX/XXXX to XX/XX/XXXX financial impact due to financial hardship due to reduction in business and hours at my job impacted as the law sates as following 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during XXXX  pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( XXXX ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

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 2022-11-26
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was using chime an a couple XXXX dollars came up missing out of my account. I was in jail when the transactions happened when I got out of jail I reported it to chime. The refuse to give me my money back. U can see where someone sent the money to there self an used my card for many different transactions! They gave me a new card but even with me trying for a couple months to get my money back they refuse to give Me my money. The other day I went to get on to my account an it said its closed because I violated there standards an when I called a couple times to ask why they wont give me a straight answer! They said XXXX receive my balance by check in the mail! I cant even see how much that would be or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
XX/XX/23 - XXXX XXXX transaction totaling {$28.00} of rewards credit not deposited XX/XX/23 - over an hour on hold and Apple and XXXX XXXX states its the other entitys fault/issue!

Company response to consumer: Closed with explanation