BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
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:
It's been months since I found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/2023 to XXXX, transunion and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information of a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning XXXX such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete the investigation.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 2022-12-20
Company: WELLS FARGO & COMPANY
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Wells Fargo that has no prepayment penalty. Recently I have not been allowed to make payments on my loan and when contacting them I was told it was because I'm more than 3 months ahead on payments and was not allowed to be more than 3 months ahead. I could make a payment when my next due payment was less than 3 months. Per my load terms I can pay off my loan whenever I want, yet they will not even allow a principle only payment through online access. They will accept the payment only directly at a branch office, none of which are local to me. I don't see how any bank can prevent you from making payments and force you to allow your load to accumulate interest charges.

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 2020-01-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX the XXXX I set up an account with citi bank I funded the account with XXXX dollars. I left the account alone because I have another account. Fast forward to XX/XX/2020 my son has an ER visit I go to take money out of my savings account and can not they say that my account is flagged I do not have a signature card. I have three accounts never was asked to send this in. I then say ok can u sent me the information to which they do not. Then I call the next day and they send me the information but cancel my debit card. So they expedite me a new card. Then I try and log in on my online banking and I can no longer see my savings account.Call again they resolve it call back the XXXX ask them if they received my signature card they say yes, Still cant transfer money call back told my account has been canceled and they are expediting me a check. Call back again was told my check for XXXX was being sent through regular mail!!!!! They will not give me a tracking number or anything. They also keep giving me the run around and at this point I just want my money back!!!

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 2022-04-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer through Chase branch office in XXXX, IL ( Branch # XXXX ), on XXXX XXXX to a bank in XXXX for the purchase of a home in XXXX. Transaction # XXXX. The current home owners are from XXXX. This contract started in XX/XX/2022. On XXXX XXXX I received email notice from Chase stating the wire transfer was canceled with no details. The money was not returned to me. I made several contacts to the Chase Branch manager XXXX XXXX and XXXX XXXX. XX/XX/XXXX, XXXX XXXX said I needed to get an XXXX license. I provided this license and contract for real estate to XXXX XXXX. The XXXX XXXX  is not being sanctioned. I asked her to resend the wire transfer but it was not done. I also contacted Chase Headquarters, Chase XXXX Department. No one will me help get my {$22000.00} back from this wire transfer. I am scheduled to fly to XXXX today, to close on this real -- -estates on XXXX, XXXX. I already have paid XXXX Euros which is at risk of me losing if this does not close by XXXX XXXX. The real estate contract has an additional XXXX Euros which I was advised not to send another wire transfer at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
I have disputed negative items over 45 days ago and the items have yet to be verified. These account are inaccurate and reporting false 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 explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: OH
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 XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : also states that a consumer reporting agency can not furnish an 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 2023-07-21
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XX/XX/XXXXXXXX XXXX Balance : {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Global Lending Services LLC
State: AL
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:
They stole my identity and took out 4 cars in my name without me being there, in states that I'm not like New York and New Jersey, I only own a single car and it's a white XXXX XXXX XXXX, the other cars are a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
From 2015 till now XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Did transactions banking ect loans mortgage credit in my name when shown fault I was locked out and. Still nothing has been done for me or brother children family I lost everything 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 2023-11-29
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently got a new credit report and I found out that it had some old information that needs to be removed. Old phone numbers.

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 2023-02-07
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remain on my Consumer Report Both are inaccurate inconsistent. 
Non Public personal 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 2023-03-03
Company: AES/PHEAA
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: Information belongs to someone else

Complaint:
This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. 

I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying 159 % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference # XXXX. Incorrect Name : XXXX, XXXX, XXXXXXXX XXXX. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX  XXXX Ohio XXXX. XXXX XXXX XXXX  FL XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX, XXXX. Phone number 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 2021-11-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX - XXXX XXXX Inquired on XX/XX/2020 ; XXXX, XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited my weekly paycheck for the pay period of XXXX and XXXX into my chime account. The same account I deposit my checks into weekly for over a year. 

Upon depositing my checks, from the same employer, same amount, ect., I was informed that there was a 5 day hold. 

I called chime support to inquire about this hold. Multiple times. Each time I was told something inconsistent and different. No one would allow me to speak with someone past a supervisor. No one would help me. I was just fed lines of a script with no resolution. 

On XX/XX/22, I called chime support and I was informed I would have my check by the end of day. In fact, I did not receive my check at the XXXX of XX/XX/22. 

I was not given any clear reason for the hold or information about the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've disputed the XXXX XXXX credit card Charge Off and balance for XXXX years now with XXXX and even shown evidence that it was paid in full back in 2020 through wage garnishment via XXXX. They haven't update or removed from my credit report even after the XXXX dispute. This is impacting my FICO scores and under the fair credit reporting act, now illegal. Please help me resolve 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 non-monetary relief
Consumer complaint received 2022-04-23
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
As a federally protected CONSUMER I requested an extension of my credit from XXXX for family and household purposes and they processed the transaction with Santander. Santander fraudulently required me to put a downpayment to receive my extension of credit. Not only did they do that, but when I found a car for less money, they raised the down payment amount to {$21000.00} making the terms of the credit transaction impossible for me to move forward with. Santander is in violation of TILA. Santander has unauthorized use ( XXXX5 usc 1602 ( p ) ) of my credit card in which they received my number but of no benefit to me. It has only harmed my chances of bringing home the car. I am fully prepared to exercise my right to remedy under TILA and will avoid going through the normal channels, but to the trustee indenture, then court. This is not a full reflection of violations against me and actual damages have been experienced by not being able to bring home a new car. 15 U.S.C. 1602 - ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

Company response to consumer: Closed with explanation