BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4800.00}

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 2022-06-22
Company: BMW Financial Services NA, LLC
State: MT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a new car lease on a 2021 BMW with BMW Financial services. BMW Financial Services will not speak to me about my lease when I call and instead transfer my call to BMW of North America customer service. I can not manage my lease, speak to anyone, etc. about this new vehicle lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # 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. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
old info, act is aged 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 2022-06-22
Company: EQUIFAX, INC.
State: SC
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 Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX  Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It 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 2022-10-26
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: Investigation took more than 30 days

Complaint:
IM WRITING IN REGARDS TO THIS DISPUTE IVE SENT 30 DAYS AGO AND THESE UNAUTHORIZED, FRAUDGENLET INQURIES REPORTING TO MY CONSUMER REPORT. THIS IS ABSURD THEY HAVENT GOTTEN BACK TO ME AND TO MAKE MATTERS WORSE IVE BEEN PUT IN A MORE DIRE LIVING SITUATION BECAUSE MY SCORE DROPPED XXXX OF MY CREDIT CARD LIMITS WERE CUT DUE TO THIS.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filed ftc report because I found fraudulant accounts on my report and nobody will help me

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A couple of weeks ago, there was fraud on my account. Bank of America locked my online access and locked the funds. I have a new account now, and they won't unlock my online account. I have been trying for weeks, with hour long hold times to just be hung up on. At this point I have no money, no access to my funds, and it doesn't seem like Bank of America will do anything to help me get access to it again.

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: SC
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 Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It 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 2022-07-27
Company: Zip Co US Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I used the app Zip formerly known as quad pay as a third party payment processor. They issued me a reward voucher for {$20.00} and it expired on XX/XX/2021. I was not notified of this expiration in any way. I was wondering as a 1 time courtesy if it could be reinstated? However when I inquired the representatives were very condescending and trolled me with very long wait times. Seems their goal in life is to make me shout or prolong the issue because they do not know how to look up the rewards history on my account. I asked them for a list of all rewards to date and the expiration date but they were clueless how to find it. It still shows it when i log into the app. They got very nasty and demanded i take acreen shots etc. Refused to escalate or provide proper support. Your reps should be able to do the leg work looking up the rewards history, why do i need to take often unsecure screen shots? Please provide a history of all rewards to date that were offered and expiration dates. They issued me a reward voucher for {$20.00} and it expired on XX/XX/2021. I was not notified of this expiration in any way. I was wondering as a 1 time courtesy if it could be reinstated? Please answer in writing as I have a XXXX and can not respond by phone. I have been waiting 2 days for an answer from the 3 or 4 reps on online chat that refuse to escalate this to a supervisor or answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-20
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 XXXX I received an email notification from chime titled Action Required : Please Reply Hi XXXX XXXX We are reaching out to you because, during routine monitoring of accounts on Chimes platform, we identified that you may have created two or more Chime Checking Accounts. This may have occurred accidentally at enrollment, however, Chime does not permit members to have multiple Chime Checking Accounts. 

In order to avoid any account disruptions, please provide the following items for review : Primary government-issued photo ID, such as a Drivers License or State ID card ( copy of both the front and the back ) A photo of your signed Social Security card Please provide the email address & phone number that is associated with your primary Chime account. 
How This Impacts You Please note : There is no impact to this account at this time however, you will need to respond to the above question ( s ) within 5 business days to avoid potential account access restrictions. 

I sent all documents requested the same day XX/XX/2022 multiple times. I called and contacted member services and they told me the account has been suspended while they investigate which could take 48 hours. I contacted chime again through email XX/XX/2022 asking for an updated, chime responded : Hello XXXX, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. 

Thanks, Chime Team

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Please verify information is correct, im worried that information is either incorrect or misrepresented. If my information can not be verified, i ask that these negative reporting be removed as I am trying to buy a vehicle and this has made it impossible for lenders to consider lending to me at the rate i deserve. Please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Upgrade, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Upgrade card has decreased my credit limit with out any reason i am current on on all my outstanding credit cards and loans. This is a serious violation of the fair credit reporting act due to intentionally decreasing my credit limit and damaging my credit. 
This is an illegal act also violation of the U.S.C 15 sec 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Constant charges for fees

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 2022-11-25
Company: EQUIFAX, 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 information incorrect

Complaint:
Proven hippa violation!!! 

Both Equifax and XXXX has favored XXXX XXXX XXXX every single time and now i have the proof because they sent to me what they used for validation and it is a direct HIPPA violation.! Remove these accounts immediately or I will file suit against you in 48 hours in XXXX XXXX XXXX XXXX XXXX, NC. You failed me so many times i am not happy! 

Delete those XXXX XXXX XXXX accounts immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
According to the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act shows several laws being broken here 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 : 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 2022-04-23
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for a prepaid card and was denied. I wasnt given a reason why I was denied. I never received an email or letter in the mail explaining why I was denied a prepaid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I applied & was approved for a Costco Citibank card. I never received the card in the mail, so I called on XX/XX/2023 and XX/XX/2023, only to be told there were charges on the card, which I confusedly told them that's impossible as I'd never received it. 

Someone stole the card either on the mail route, or from my mailbox and charged {$800.00} in XXXX days on the credit card ; Citibank did not inform me of this until XX/XX/2023 when I called in looking for my card. 

They have since overnighted me a card which I activated on XX/XX/XXXX, but they carried over the {$800.00} in fraudulent charges which is nearly half my credit limit ; they also did not immediately credit me for the fraudulent transactions, even though all of these transactions were made in XXXX ( two counties over from me ) and I live in XXXX XXXX. 

I want these charges immediately credited, as I have proof & timesheets that I wasn't in that area as I work during the week.

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 2022-06-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: FirstPoint Collection Resources
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After first notice on two of my credit report that I had pulled the year ending XXXX, XX/XX/XXXX, I did an online dispute, with ( XXXX ) ( XX/XX/XXXX ) debt was not mine, never live at the *address, or did not have such an *account that I am aware of. I no longer have the completed on the first dispute but came back saying the debt was *verified that's all. I did another dispute with ( XXXX most recently ) in XXXX ) Just recently after the reinvestigation dispute came back again with results saying verified and account updated, ( I notice *reporting dates are changing for some reason from initial reporting done in XX/XX/XXXX ) I have decided to address the collection company with a *Certified letter, sent on XX/XX/XXXX, for *action to delete/remove that information from my credit profile, I never lived at that address that I see connect to that account, and not aware of any such account exist. Show me proof of validation, history, and that they may be in violation of regulation *1006.30 Other prohibited practices ; I never receive any *information/communication ever from the collectors in regard to a notice implying this debt but they reported to the credit bureaus anyway. apparently on or about XXXX XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home at XXXX XXXX XXXX in XXXX Michigan XXXX. The loan was made by XXXX XXXX XXXX. In my paper work I have a form that my wife and I signed that said my home is not in a flood zone and that my zone is zone X and that we are not required to have flood insurance. 

Cut to 7 years later and the loan is now serviced by Well Fargo and that are telling me I need flood insurance and that Im in zone AE and the map is from XXXX XXXX. 

I have sent them the documents that support that I dont need flood insurance and they still refuse to let me not have flood insurance. 

So I reached out and got a quote for flood insurance and the insurance company sent me to quote and on the quote it said that we are in zone X which is the lowest zone and even said I dont need flood insurance themselves.

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 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A previous complaint I submitted they sent notice saying it was paid back by retailor or the bank, they don't know which but they say it's resolved. 
It is not resolved, I want an itemized accounting of my account showing what comes out and what went in to match dollar amounts, not just " we take it off your statement when it's credited back '' prove to me the monies were put back in my account. 
Pretty scandalous you remove the transaction from my statement and claim it was settled. 
Show me

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