BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 a mobile deposit check was deposited into my teen checking bank account without my knowledge. The mobile deposit was in the amount of {$2300.00}. The person then used XXXX to send their selves {$400.00} on XXXX XXXX. On XX/XX/2022 the person mobile deposited another check in the amount of {$3800.00}. The person used XXXX to send themselves {$1000.00}, {$500.00}, {$300.00}, and {$400.00} on XX/XX/2022. On XXXX XXXX the person used XXXX XXXX send their selves {$1000.00} and {$400.00}. They then went on to transfer {$2000.00} to my savings account. On XX/XX/2022 they wire transferred {$2000.00} to a XXXX  XXXX XXXX account. I reported the fraudulent check of {$2300.00} on XX/XX/2022 which was visible to me. Wells Fargo Bank Closed my account and created a new account on XXXX XXXX at XXXX am I saw another check in the amount of {$3800.00}. I called Wells Fargo to report the second check which made my account negative {$6200.00}. On XX/XX/2022 Wells Fargo completed their research on the unauthorized mobile deposit checks. The letter states that Since the deposit ( s ) from your account on XX/XX/2022. The adjustments have resulted in no loss to you. We also reversed any fees charged to your account as a result of the unauthorized deposit. I then called on XX/XX/2022 to see why my account was still negative. I spoke to XXXX in the claims department who told me that the claim was not put in correctly. He gave me another claim number for the XXXX transactions and a research claim number for the checks because they were untraceable. I reached out on XXXX XXXX where I was told the claim was closed on XXXX XXXX. When I asked the claims department employee XXXX why the claim was closed they could not give me a valid reason. I was told for my case to be reopened I would have to file a police report. I filed a police report on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for the XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 ( See attachment ) XXXX XXXX mailed payment on the first of each month to the service provider ( US Bank Mortgage  ) service provider received the payment around the XXXX day of each month. 

I make my mortgage payment of {$360.00} XXXX on XX/XX/2022 loan balance was {$47000.00} ( See payment history ) On XX/XX/2022, and XX/XX/2022 total of {$720.00} Instead of applying each XXXX payment to my mortgage, they deposit it in a suspense balance. ( See attached ) Now my loan balance is {$47000.00} this is incorrect. please investigate my payment history and make adjustments accordingly. 

Thank you,

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 2022-12-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2019 I had a consumer credit transaction with XXXX XXXX  in XXXX MI and signed an agreement a retail installment contract thats I received without the proper disclosures under truth and lending I was violated and even paid a down payment of XXXX since Ive grown and am now aware and exercising my rights as a consumer Ive spent over XXXX of my hard earned money with this Corp thats more then the XXXX charge itself I have sent credit acceptance a debt validation letter with a dispute letter on XX/XX/XXXX they sent a letter back saying every thing was accurate and there will be no deletions I also an affidavit of truth with exhibits through certified mail I am now awaiting for them to verify the debt and rebuttal my affidavit Ive also sent in a cease and desist Ive recently sent out a billing error dispute letter

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for a Nordstrom credit card with a {$60.00} note upon approval. Took over 30 days to get the card and now they are refusing to give me the {$60.00} note. Not my fault. I just called in and was told I have to use the care at Nordstrom too. I look at the disclosure and doesnt say that. This is such a scam!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have video where I can see tellers info from the drive up at chase that is not my account information. I have contacted the market director XXXX XXXX and the Executive Market  XXXX XXXX XXXX They will not respond nor fix the issue regarding the privacy violations. Please provide an email address and I will send the video that shows teller 1 information clearly that does not pertain to my transaction. I would also note XXXX did not return my drivers license so I would have to return to the branch. This further substantiates my point that XXXX XXXX has been harassing me ever time I go to this branch. I have brought this up to the branch managers on more than one occasion. Yet the executive management team does nothing to rectify the discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-01
Company: Experian Information Solutions Inc.
State: MA
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 sent a letter to EXPERIAN on XX/XX/2022 which is attached via Certified Mail # XXXX XXXX XXXX XXXX XXXX. To have a account that should not be reported on my Consumer Report removed. It is my responsibility to make sure every item is reporting accurately, so my Consumer Report is fair and equitable to me. I previously have been trying to get XXXX XXXX XXXX to validate and verify all accounts listed on my Consumer Report, but after further review of my Consumer Report there are accounts being reported that have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 

Also I NEVER gave EXPERIAN any written consent to even report any accounts on my consumer report. NO CONSENT IS IDENTITY THEFT pursuant to 15 USC 1681b ( 2 ) EXPERIAN allowing inaccuracies to be reported on my Consumer Report has caused me to lose faith in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as well. If you would like to continue doing business with me I am demanding you do what I say. 

I demand that these account be removed. Immediately. Accounts listed are in attached document. This account being reported is cause me XXXX  and is XXXX up.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: CA
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 Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
credit card account was opened in my name fraudulently. XXXX XXXX Bank refuses to remove from my credit bureau and told me that I had to have it removed, putting the burden on me as a consumer, for something they did. XXXX statement is attached, along with most of the paper trail of this banks actions and non-action. I checked the reviews for this bank, and it appears, this bank has been opening fraudulent account for a couple of years now. I don't understand how this bank is being allowed to chronically break so many banking regulations and they are still getting away with there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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: Account information incorrect

Complaint:
These Accounts have violated my rights According to FCRA ; XXXX. XXXX XXXX XXXX : account # XXXX XXXX. XXXX XXXX XXXX : account # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( May 16, 2016 ).

Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account states. 
Everything reported here does not meet the FRCA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My title company sent check 1 on XX/XX/XXXX when I signed on my house on XX/XX/XXXX. Part of my agreement was that I had to pay off my car with the money I made from my house. When I called XX/XX/XXXX to check the status because I was reported past due. I was told on the phone that they had issues with mail. 
My title company stopped payment on check 1 and reissued and sent check 2.this was notated on my account. I received a paid in full letter XXXX. Check 2 was reported to have been Cashed XX/XX/XXXX. I went to check on my Gap check and was told it would be 60 days. I went to check on it XX/XX/XXXX and my account was passed due. I contacted them they told me that my check was returned and that it had accrued fees. I have attempted since to talk to some one and have been told that I need to talk to my bank. I discussed this with the title company. Ally told me that if I could send proof of the check then it could be fixed. I sent them this information. I had to contact them again. They said that they didnt have enough information and they rejected the check. That this was returned and I had received more fees. I was told numerous times that I was wrong then I was told that it was just not applied to my account and to give them 1-2 business days to fix it. I contacted them again today and they started the whole thing over again saying that I was late. I needed to pay. That the check was returned. I needed to talk to the bank. I was then told I would receive a call in the next two days while they are processing my case. I have been give concern case numbers and told to call if this is not resolved. When I call I am told it from the beginning. I have to have the same fight each time I contact them. I also need to receive my lien on my car and receive my title.

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 2023-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Incomm Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
on XX/XX/2023 I ordered XXXX XXXX Visa gift cards from Vanillagift.com, as I have ordered from them for XXXX years. Order # XXXX. The cards, according to XXXX were delivered to my mailbox, including a pic of my closed mailbox. I never got the envelope. It was probably stolen by the driver. Never had a problem with XXXX, but it was XXXX XXXX XXXX and probably a substitute driver. So, I call Vanilla Gift and to ask for a replacement of XXXX XXXX cards. Called 5x, and every time I get a rep who has to connect me to the proper office. After holding on for XXXX minutes each time, ( 5x ) the call gets disconnected on their end. This is a massive waste of time and very upsetting. I thought this company was reputable, but I was very wrong. I have a reference # XXXX. Please help!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hello I contacted the Main company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX CA to run my credit with over 20 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX CA dealership XXXX XXXX, and he did apologize and admits this was done in error, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquires on my credit report that were all done on same day XX/XX/XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries. 
XXXX XXXX Capital One Auto XXXX XXXX XXXX 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 2022-07-28
Company: Happy Money, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
To be honest. This has been a complete horrible experience. 
Never jumped through so many hoops in my life, and then had someone from a company cause so many issues bc they canceled my application, without my permission, which should be no issue of getting my application done and approved, and now, being told they can not approve me, but yet I was approved! 
I was told it would be no issue to get the backend to reinstate my application. 
I see others online with the same thing that this company has done to them. Seems like this company profits somehow without giving approvals and getting peoples information for nothing. Do they sell it? What is done with all of this information and not approve anyone? 
So, I feel that I definitely was done unjust and unfair. 
Absolutely wasted time that I could have went elsewhere and spent on them, and mislead me thinking they were going to resolve the reps issue, get my loan approved, and be done. 
So, really, I feel deceived by this company. 
I also ask for call backs, in emails, and no one contacts at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/ COMPANY VIOLATED MY CONSUMER RIGHTS UNDER 15 U.S. 1601,1602, 1605

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have dispute XXXX XXXX XXXX  negative reporting on my credit report every time it always comes back as verified from Experian. When I call to get prove of debt validation Im being told they dont have to get that information as long the debt collector tell them its correct. There is no investigation that is done to make sure the reporting is correct. I need accurate reporting if the debt cant be validated it need to be deleted and removed 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 explanation