BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: WELLS FARGO & COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX I applied for an extension of credit from Wells Fargo Auto in the amount of {$66000.00} toward the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Co. According to the Federal Equal Credit Opportunity Act consumers who come in good faith can not be discriminated against and denied credit. I have proof that Wells Fargo Auto not only has discriminated against me, but also is not abiding by the law. Wells Fargo Auto obtained and used my social security card but I received NO benefit from that credit transaction. I have written a certified letter to Wells Fargo Auto to the mailing address given and they shall receive my response to their denial within XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: ID
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:
Incorrect information is being reported on my credit report, stating that I was late when, in fact, I have never been late.

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 2022-08-01
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Friday XX/XX/2022 XXXX am XXXX charged my CHIME Card XXXX XXXX 
I did not make this purchase. 
I filed a claim and disputed the transaction twice only to be denied. 
I will include my email i sent to CHIME SUPPORT ( i was told to do from a representative at CHIME ) after I WAS denied the first time. 


My name is XXXX XXXX XXXX dispute claim #. I was recently charged XXXX from a online grocery store called XXXX. 
CHIME has denied my claim. This is unacceptable. I did not make that charge! I deposited XXXX at a XXXX to make a cell phone payment that was past due and reconnect my service, when I was told the card was not going through. I had justade that deposit and upon checking the app, XXXX was charged. 
I have no clue what XXXX is????? I did not use my card at all for that. 
It says it's based out of Pennsylvania? I live in XXXX XXXX! 
I then had to deposit more funds that same day to get my cell phone on. 
While on the phone with XXXX I made sure they did not run the card until I told them I just made the deposit and charge to avoid any other breaches to take my hard earned money. 
I am now completely terrified to deposit any money to that card, and i pay important bills with it. Not only will someone possibly make a fraudulent Charge, CHIME does a lazy investigation only to denie my claim? 
I need every dollar I make, and to have XXXX dollars stolen and then being told there were was nothing CHIME can do is absolutely unacceptable! 
Someone need to help me. I'm an honest person only trying to pay my bills, and CHIME has allowed a breach and has does nothing for me when I need the help. 
All I want is my money back. Do whatever you have to do. Check where the card was ran, do something. But I did not make that charge and want this resolved ASAP. 
My funds are limited and I need that money. Thank you. Please contact me with good news. This is entirely unfair. I can provide any information needed with honesty. But indid not make that charge!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: TX
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 confidentially under 15 USC 1681.

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

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction. 

XXXX5 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 record of convictions of crime which antedates the report by more than seven years. 

ACCOUNTS : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX- date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX- date of unauthorized inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX XXXX- date of unauthorized inquiry : XX/XX/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 2022-09-28
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: DISCOVER BANK
State: PA
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 account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. 

PLEASE DELETED AND REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, 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 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 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 2022-09-28
Company: Experian Information Solutions Inc.
State: GA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2022-09-28
Company: Experian Information Solutions 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:
EXPERIAN HAS VIOLATED 15USC-1681c-2 by failing to remove the Accounts listed within the FRAUD IDENTITY THEFT SUBMITTED TO THEM, AND HAS DELETED SEVERAL ACCOUNTS THAT WERE IN GOOD STANDING, AND HAS INTENTIONALLY KEPT INFORMATION REQUIRED BY LAW FOR DELETION.

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 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
ON XX/XX/XXXX I RECEIVED RESPONSE FROM CAPITAL ONE REGARDING FRAUD INVESTIGATION THAT POSSIBLE THEY DID THEIR INVESTIGATION .FIRST OF ALL IM NOT SATISFIED WITH RESULTS BECAUSE CLEARLY CLEARLY THEY DID NOT EVEN TOOK A SECOND TO LOOK AT FTC REPORT THAT IVE SENT BECAUSE THEY VERIFIED ADDRESS AS ACCURATE WHEN ON FTC REPORT IT CLEARLY SHOWS THATIM DISPUTING ADDRESS AS FRAUDULENT .LIKE THE INVESTIGATION RESULTS ARE FUNNY THE PAPER THEY ATTACHED THEY SAID XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX WE CHECKED PUBLIC RECORDS AND THIS ADDRESS BELONGS TO YOU WHEN I DISPUTED THIS ADDRESS AS FRAUD AND XXXX  ERASED FROM MY REPORT XXXX TELEPHONE NUMBER NEVER EVER BELONGED TO ME THEIR RESPONSE 'We mailed billing statements to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. ' SO IF SOMEONE DID NOT RETURN A LETTER AND LETS ASSUME THE THREW IT AWAY DESTROYED IT OR ANYTHING LIKE THAT THAT MEANS ITS MY ACCOUNT? this is ridiculous and this is the response of capital one investigation team? Going of public records? 
We located recorded calls from XX/XX/2019, in which you contacted us about this account and stated it was your account. IS THERE ANY PROOF I CONTACTED YOU OR FRAUDSTER DID? 
The Social Security number and date of birth we have on record for this account were verified as yours? LIKE THIS IS MOST RIDICULOUS PART SOCIAL AND DATE OF BIRTH IS YOURS? YEA THATS WHY ITS CALLED IDENTITY THEFT IF IT WASN'T MINE IT WOULDN'T BE ON MY CREDIT ILL GO AHEAD AND ATTACH THAT LETTER THEY SENT MY XXXX CREDIT REPORT WHERE THE ADDRESS NO LONGER SHOWS BECAUSE I DISPUTED IT AND FTC REPORT WHICH WILL BE PAGE 12 THAT SHOWS MY REAL PHONE NUMBER ADDRESS AND DISPUTED ITEMS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Made an instant transfer for {$350.00} ( {$5.00} fee ) in XX/XX/2022 on the XXXX XXXX XXXX XXXX to a Union Bank checkings account and never received the money. Spoke to both parties, XXXX claims the transaction for {$340.00} was successful and Union Bank that it was not, each independently through their respective investigations.

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 2022-06-09
Company: EQUIFAX, INC.
State: NY
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 Accounts " XXXX, XXXX XXXX, and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXX XXXX  XXXX  ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX XXXX  XXXX XXXX ) is not reporting on any other credit report besides Transunion.

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 2022-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

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 2022-09-28
Company: Grain Technology, 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 information incorrect

Complaint:
I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage company has not sent me the refund due on my escrow account from the house I sold, closed on XX/XX/XXXX of 2022, it is now XX/XX/2022. The amount owed to me is {$2900.00}. 

They did send a letter dated XX/XX/2022 claiming that I haven't yet cashed the escrow refund check which they claim to have issued. I therefor called them to have a new check sent out because the first one never showed up. I verified that they have my correct current mailing address. They offer no proof that they ever sent the check. They claimed to have issued and sent a second replacement check dated XX/XX/2022. I called a second time on XX/XX/2022 to ask what happened to the second check and to ask for proof that they had issued and sent it. They only offered a voided copy of the first check but no proof of mailing it. They said they would overnight-mail a third check, but that has also not happened and they were not able to provide any tracking number or proof of mailing it. 

I have had no other issues receiving mail at my address. I believe they are not sending the checks in hopes that the XXXX days will expire and then I will lose the funds.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: CT
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:
The creditor performed this inquiry without permission ; it is not authorized!

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 2022-08-01
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
BMW financial > 5-7 years of credit history with BMW finance in good standing. 
ex-spouse crashed vehicle in auto accident and auto insurer ( XXXX ) did not pay off totaled vehicle. 
I personally adsorbed the debt and rolled into a new car loan during that time. I could not sustain the heavy monthly car payments > {$1200.00} per month. vehicle was re-possessed and sold at auction. 

adsorbent amount of money still owed on the loan and I have been unable to purchase a vehicle due to the reported outstanding BMW debt and poor credit .... 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation