BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: EQUIFAX, 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 XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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 XXXX XXXX XXXX, has violated my rights. 

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

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

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 2022-01-26
Company: Westlake Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX  They ran my credit for XXXX Auto Financing, XXXX XXXX ( twice ), Westlake Service Inc, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.

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 2022-06-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I opened a XXXX Savings Account with WELLS FARGO. In which I deposited {$1000.00} and a card was linked to my account. My card was being shipped for this new XXXX account, and then on XX/XX/2022 my account was notified for insufficient funds and found that all of my money was taken out throughout three different transactions. One for {$800.00}, one for {$180.00}, and one for {$14.00} plus the ATM fees. Once I found this out I called the fraud claim department to report this fraud and the employee began to question me about this to submit my claim for investigation. After 7 days I called to check the status of my claim, come to find out it was closed and were not detailed on that information. I had told them that I never had the card at the time of the possession, and that the only card I had in my possession was my checking account card. I had told the lady the day I reported the fraud, that I never had the card linked to the XXXX account and I only had my checking account card. The XXXX card was " shipped '' and I never received nor did I activate it. I had told them I was shopping with my checking account card, and there's proof on my account of where I was at the time that I was shopping. Whereas the XXXX account card was an entire XXXX minutes away according to the zip code of the transaction. I tried telling them that there was more evidence that could be used by utilizing my location of my authorized purchases using the information of my checking account but they said there was nothing they could do. 

The day I first reported the claim, I made sure the let the employee lady know that I only had my checking account card, and I had never even received my XXXX Savings Account card. There was obviously confusion on her end, causing my evidence and my word to be thrown off to the side.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX number XXXX, XXXX XXXX XXXX Account number XXXX have 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 explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: IN
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:
Chase bank let another entity reverse charges that had been cleared for months by myself and then the predator cohersed me into believing that they were the depositors of sudden positive flow in my account and said they would loan me 5000 the same day if I could withdrawal it and send it to them through a XXXX card and I never called or entered the bank and asked to dispute or have any of my past transaction reversed it's supposed to be a recorded line so who did?? not me!! And I was scammed out of over 800 and the fraud protection is a joke you have to do it over the phone I have physical proof that I was online victim and receipts to back it up and no human being to sit with me and explain it all to and submit my proof.. My own bank allowed me to get robbed and claim to be protective!! I was charged for the missing money out of my pocket!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-23
Company: Total Card, 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 filed complaints XXXX, XXXX and XXXX. While the results from XXXX re investigation end in removal of the accounts in question from my credit report something is terribly wrong between the CBs investigations or the company XXXX XXXX XXXX XXXX XXXXXXXX XXXX is deliberately reporting different information to the different credit bureaus ... .someone is providing false information because XXXX claims to have updated the information. Furthermore, the accounts in question have yet to be removed from my reports in complaint XXXX. I try and have patience regarding these matters but the CBs seem not to have a problem putting the information on my report the same day it should be removed as well in a timely manner. I refuse to allow this to keep happening and will continue to complain until this matter has been satisfied. If the accounts are verified as mine then I will not deny them but playing around with my credit is doing serious damage to my credit and the next step will be a law suit. I have tried contacting XXXX by phone and the website and it says that the system can not access my account due to on going disputes but claims I can view the status ..but will not let me as of X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i placed a fraud alert on my credit report transunion and ever since ive been denied every thing ive applied for i cant even get into my accounts without showing my drivers license then when i send it in it takes another 5 or 6 days to get back to me i want this fraud alert off my credit report today ive had enough of it i dont need it on there i thought i was doing something else ive asked 3 or 4 times to hae it removed but they still have it on there i applied for a XXXX XXXX XXXX  credit card just to be denied and i have great credit im very upset with this credit card company

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 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX 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 2020-01-06
Company: Experian Information Solutions Inc.
State: MA
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:
XX/XX/2019 my wife and I were not working so we asked XXXX XXXX XXXX for a loan modification which they agreed. We were paid up to date in XX/XX/2019. We paid 3 years without being late once. We paid the reduced amount in early XXXX for XXXX payment. We paid the reduced amount in early XXXX for XXXX payment. We paid full amount in early XXXX, and full amount in early XXXX. 

We were never told that XXXX XXXX XXXX would report our mortgage as late as we were paying the agreed upon amount. We ended up with a 30 day late in XXXX, a 30 day late in XXXX, 60 day late in XXXX, and 90 day in XXXX which does not make sense. The full amount we were supposed to pay was approximately {$1500.00}. The agreed upon reduced rate was approximately {$1200.00}. We paid {$1200.00} for XXXX and XXXX. So even if XXXX XXXX XXXX was correct in reporting us late, it should not have been all those times. {$1200.00} for XXXX and then {$1200.00} in XXXX is more than enough to make a full payment for XXXX, then another {$1200.00} in XXXX should make XXXX paid in full as well. XXXX and XXXX were full amounts so they should have been considered on time. 

XXXX XXXX XXXX is saying we paid XXXX  2019 90 days late when they had the money in full for XXXX, but didn't not credit our account.

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 2022-06-11
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I sent out a dispute letter to Experian about my account with XXXX XXXX. They sent me an email on XX/XX/XXXX, they sent me an email explaining the dispute process and etc. Today, XX/XX/XXXX, they come back with they investigated and found the information they are reporting is inaccurate. The account does not have the original date of delinquency as I asked them to report. XXXX and XXXX are reporting the account correct but Experian has a totally different information then the other two bureau. This is not accurate reporting. I talked to XXXX XXXX at XXXX XXXX and she told me that they told the bureau to close the account but did not say anything about re-aging the account. This account was first delinquency in XXXX now my report is say XXXX. This is accurate and I want it fixed.

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 2017-07-23
Company: Midwest Recovery Systems
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:
I received a copy of my credit report and noticed I had a debt reporting from this company Midwest Recovery. I reached out to this company by certified mail on XX/XX/XXXX to validate this debt. This company signed for my letter on XX/XX/XXXX but have not sent anything back in regards of validation. i received notification from XXXX that my account from Midwest Recovery was marked as " disputed '' so I reached back out to this company by certified mail on XX/XX/XXXX to get validation and this company signed for my letter on XX/XX/XXXX. I then disputed Midwest Recovery through the actual credit bureaus and they deleted it off one bureau but stated it was verified through the other 2 bureaus which is not fair! Here it is XX/XX/XXXX and I have still yet to receive any type of notification, communication or validation from this company. I also have attached all communication letters, certified time stamped signatures that was sent to this company to validate what I am saying. This company is a fraud because this company is ignoring the fact that I am requesting validation that they must not have. It is by law by the FCRA that I can request validation and it must be sent to me. I have never received any type of communication from this company before they reported this on my credit report. this company did not give me any time to validate this debt. I am not sure who this company is and how do I owe them. I never signed a legal bonding contract with this company to owe them any debt, I have never done business with Midwest Recovery.  I have the right to demand to see a signed contract between Midwest Recovery and myself. If this company is hired by a 3rd party company, I request validation and not verification of the debt. meaning a signed contract from the original company and not a bill. a bill is not considered proof of a debt. This company has blatantly ignore more request as a consumer in which I had rights too. I will be issuing out additional complaints as well through the BBB & Attorney General. As a consumer with rights, it is not fair to be ignored, pushed to the side and not provide validation of what you are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: RI
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 was alerted a couple days ago by both my XXXX credit card application, as well as XXXX financial application that a new account had been opened on my behalf. It looks like someone had applied for a credit card to the XXXX XXXX department stores. I have not applied for a credit card since I had received my XXXX credit card. I have attached both the email from XXXX as well as screenshots from the XXXX application for for the reference.

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 2022-01-26
Company: Experian Information Solutions Inc.
State: GA
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-07-23
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Serveral years back. A Item was sold on XXXX, which they forced the use of XXXX. Which XXXX has now purchased. after months of communication and speaking to those at XXXX. Was assured it was resolved., but I guess not. Seller filed a dispute. XXXX ( being only a middleman merchanct account ) WOULD not disclose which CC wa suse dfor purchase to appeal and fight th efalse claim. Was at complete mercy of XXXX and their decisions. The item sold was NEVER returned to me ( seller ) as per XXXX rules, but the buyer or XXXX/XXXX. Complete violation of the rules @ that time. As of XXXX-2017 XXXX balance is ) .. ( XXXX ) no negative. well ACI contacted me.. over 6 years later now., ,.. reopening the claim. Which was previously closed/setted XXXX and XXXX were both placed in collections for the account as well. As well as a lein judment against that buyer, who lives out of state MI..not VA where I reside so its unenforceable. Want this stopped and fixed. No need to drag on, and on, and on ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021, I opened a new Checking Account at Atlantic Union Bank during a promotional period in which a new customer would receive between a {$100.00} and {$300.00} cash bonus after completing qualifying activities. I completed the qualifying activities to earn a cash bonus of {$200.00}, and the bonus has yet to be provided to me. 

On XX/XX/2021, I contacted Atlantic Union Bank via Secured Message to inquire about the status of the bonus posting ( Ticket # XXXX ). I was told by staff in their reply that [ I ] should see the deposit hit the account soon. 

On XX/XX/2021, I submitted another inquiry ( Ticket # XXXX ), where I was told the bank had contacted our product development team regarding the bonus not being applied to your account. As soon as I have a reply, I will message you. Despite receiving no reply or any additional follow up from the bank, the ticket was quietly marked resolved at some point in XXXX. Still, no bonus has yet posted. 

On XX/XX/2021, I re-opened ticket # XXXX by initiating a new reply to the message thread. In the latest response from the bank, received on XX/XX/2021, a customer service agent notes I am waiting on a reply from our marketing group that handles the bonus. They will be reviewing everything and will be getting back to me. I will message you when I hear something! 

As of the time of writing this complaint, no further communication has been received regarding this matter. 

Despite clearly meeting the terms and qualifying activities of the advertised offer, the bank has not provided the {$200.00} cash bonus they promised, and have spent the last 3+ months giving me a runaround, with inconsistent answers, and refusing to solve the issue. 

Thank you for your time and 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 monetary relief
Consumer complaint received 2022-01-26
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For two months I have paid my bill on time I called about why I charged a late fee XX/XX/XXXX I mail the check off 5 days before it was due, and when it hit my checking account it show that the check cleared the next day, So, I know that they had the check before the payment was due which was on the XXXX, but it was posted on my account on the XXXX Now I went into Target on XX/XX/XXXX two days before the payment was due, but I was charged a late fee. 
The service desk took my check on XX/XX/XXXX but it cleared my checking account on XX/XX/XXXX. 
If I pay on my Target bill on XXXX XXXX why am I being charged a late fee I also used the card the same day to buy XXXX with on items, it shows that I used the card the day I paid the bill.

Company response to consumer: Closed with monetary relief