BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a wells fargo account. They are always putting the transaction between 2-3 says after the purchases or payments. For example every week they are supposed to post my car payment, at the beginning they put they payment the fridays, now it not appears in my account until Tuesday. The same with my cellphone bill, at the moment of the payment they post it in the account, an hour later is gone and again it takes 2-3 days to post it. I 'm always cheking my account to avoid negative balances, but I know that they can do better posting transaction faster. This kind of behavior affects my account sometimes with fees or insufficient balances wich is not fair. I dont think I 'll need to keep an eye in my account all days to avoid that kinds of fees or negatives. The fee thing just happens once and they give me back the money because was my 1st one, but I do n't want to wait to another one so they dont give me back that one.

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 2017-06-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My student loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit 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 2022-09-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I noticed an unauthorized XXXX transaction to a XXXX of {$300.00} on my chase account. I called chase claims and reported the transaction, they asked me all the questions they are required to ask and said within 10 business days I would get a decision or temporary credit. On XX/XX/XXXX I received a letter that they were not going to refund my money and they couldnt do anything because the transaction was authorized through XXXX  and it was out of their jurisdiction. I tried to call chase to dispute because I did not send this money! Chase told me it was out of their hands and that I had to call XXXX claims and they gave me a number that didnt even work, nobody answered and I ended up speaking to nobody. I was left discouraged, sad, and frustrated because that was literally my last {$300.00} I needed that money desperately. I dont know any XXXX XXXX I dont have any XXXX in my phone book, and I dont have any conversations with an XXXX in my texts either. I have been receiving various scam texts and texts and calls from weird numbers that I do not answer ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX by XXXX billed me for water I never received. When the account was first open I received one case of water and a cooler bought. They billed me for water that they never delivered. They never came back to my address. I remember clear as day the driver was complaining about the drive which was in the year XX/XX/2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I pulled my credit report on XXXX and it shows 3 weird open files on me saying delinquent or I have to pay.. its on my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dollars when I called the number that was listed the guy gave me a account number which isnt mine XXXX I explained to agent for XXXX they checking on. 2 is XXXX/XXXX XXXX  they didnt have my information so they checking into this. And this on XXXX XXXX  XXXX cant pull any of my information up but say I owe.. none of these credits can pull any of my information up but yet they are on my credit 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 explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You have are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing erroneous reporting information on my credit file that is adversely affecting me. I would like a lawful investigation according to the FCRA to resolve my 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 explanation
Consumer complaint received 2022-09-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, two charges were made on my debit card to XXXX XXXX 's. The totals were {$240.00} and {$79.00}. I did not make these charges and immediately reported them to Chase. They reversed the charges on XX/XX/XXXX. On XX/XX/XXXX, Chase charged me again for these charges. They told me that they had reviewed my complaint and determined that there were no fraudulent charges made. I told them that I did not order these items and also never received these items. I live in XXXX. Chase told me that the items were delivered to someplace in Massachusetts. They said that since XXXX XXXX 's knew my billing address, I had to pay for these items. I have never bought anything from XXXX XXXX 's and have no idea how they would have my billing address, but I never ordered these items. I want my money refunded. The total amount is {$320.00}. I would also like Chase to provide me with the shipping address so I can contact the police in that city and have them open up a crime investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A chapter XXXX Bankruptcy was filed in my behalf XX/XX/2016. It was dismissed by US Bankruptcy court in XX/XX/2016. I asked the Bankruptcy court were they a furnisher and they said that they were not. I have included the response that I have received from them. I disputed the Ch.XXXX bankruptcy and they said it it accurate and verified. That is not correct. They can not put this on my credit file. Only the bankruptcy can and they clearly stated that they are not a furnisher of data.Also according to FCRA 603, they must have oral or written consent from me to put this on my credit. 

The same item was disputed with XXXX  and deleted. I have supporting documentation of that removal.

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 2022-09-06
Company: EQUIFAX, INC.
State: NV
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:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My student loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy that is being reported on my credit reports and that is inaccurate! My husband and I ALMOST went thru with bankruptcy but backed out..this is inaccurate information and needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: American First Finance, Inc.
State: TN
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:
On XX/XX/XXXX I reached out to American First Finance due to inaccuracies on my credit report. I gave American First Finance more than 2 months to respond back before I sent off a second letter on XX/XX/XXXX. Today is XX/XX/XXXX and I still have yet to receive a response back to the dispute that was originally placed on XXXX XXXX. According to the FCRA, they have 30 days to respond back and it's been over 5 months. American First Finance has been in direct violation with the FCRA for 4 months now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written or permissible purpose to advertise or furnish my information and pursuant to the FCRA ( Fair Credit Reporting Act ) you are willfully committing a federal violation. Within thirty ( 30 ) days, I asked that you give me written notice of following my instructions. You are willfully noncompliant and according to the FCRA are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called them 2 months ago to get out of covid forbarence they said that some other guy had to handle it. So far they havent gotten back to me ... Idk what to do, they told me to wait.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Receivable Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX this record by RECEIVABLE RECOVERY SE was placed on my credit report. I have not received any letters, phone calls, or emails pertaining to this account I know nothing about. I have medicare and health insurance so I know I don't have any bills with anyone. I don't know why this account was placed on my credit report. RECEIVABLE RECOVERY SE RECEIVABLE RECOVERY SE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The three credit bureaus ( XXXX, XXXX, Equifax ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Equifax - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written or permissible purpose to advertise or furnish my information and pursuant to the FCRA ( Fair Credit Reporting Act ) you are willfully committing a federal violation. Within thirty ( 30 ) days, I asked that you give me written notice of following my instructions. You are willfully noncompliant and according to the FCRA are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I opened up a 18th months CD on XX/XX/XXXX with People 's United Bank NA on XXXX XXXX, NY. The CD matured on XX/XX/XXXX, the bank never informed me about the maturity of CD, no letter, no phone call, no e-mail. The bank renewed the CD for another 18th months with out my consent at a much lower rate ie 0.45 % annually than the market going rate 2.3 % annually, I tried to reason with the bank about closing the CD and opening an other CD with the current market rate, the bank declined and wanted to impose {$2700.00} penalty in the event I close the CD. 
I am XXXX years old and that is my retirement money, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: TX
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 have tried numerous times to formally resolve this matter with Equifax to no avail. I am asking your assistance in this matter to resolve it in accordance with the law. I sent a certified letter ( XXXX ) via USPS that was received on XX/XX/2022 to dispute an account ( XXXX XXXX XXXX XXXX ; ACCOUNT # XXXX ) on my credit report from Equifax XXXX I received a response from Equifax stating the account was updated on XX/XX/2022. I sent out another certified letter via USPS ( XXXX ) asking a description of the investigation that was received on XX/XX/2022 ensuring the 30 days had past to ensure the was no in the 30 days from receipt of my dispute. To this day I have not received any response of a description of the investigation as per FCRA 611 a ( 7 ) which states a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. It is now XX/XX/2022 which would make it 69 days from that request. I have several attempts with Equifax obtain the information via USPS certified mail ( XXXX, XXXX ) but have not had any success. I have received a credit report from Equifax stating the account was verified each time after that. How can the account be verified without sufficient evidence. Equifax also violated FRCA 623 for the required notice of dispute within 30 days upon receiving a dispute. As of XX/XX/2022 the required notice of dispute is not on the credit report I was sent via USPS nor is it on my credit report on Equifaxs website. This account needs to be removed due to the violations of the FCRA. I will provide evidence of for the violations that have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written or permissible purpose to advertise or furnish my information and pursuant to the FCRA ( Fair Credit Reporting Act ) you are willfully committing a federal violation. Within thirty ( 30 ) days, I asked that you give me written notice of following my instructions. You are willfully noncompliant and according to the FCRA are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.

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