BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: The CBE Group, 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:
FCRA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX  
FCRA Violation: auto loan never late
XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiry not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: collection not mine XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TransferWise Ltd
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX, I am a Transferwise customer with email address XXXX Wise deactivated my account with funds in it and they kept the money to themselves without sending it to me. 

On XXXX XX/XX/2023, I tried the wise appeal website and noticed that wise asked for my bank details so as to refund my money which I have successfully submitted, but wise has still not refunded the money to me. 

I am submitting this complaint because I need wise to send my refund to my USD bank details I provided to them on timely manner My bank details which I submitted to wise is Routing Number : XXXX Account Number : XXXX I need wise to send the receipt of the refund this complaint. 

The email associated with my wise account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened up - XXXX Opened XX/XX/XXXX for {$630.00}, - XXXX Opened XX/XX/XXXX for {$210000.00} - XXXX XXXXXXXX Opened XX/XX/XXXX for {$250.00} - XXXX Opened XX/XX/XXXX for {$5100.00} - XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Opened XX/XX/XXXX for {$820.00} - XXXX XXXX ( Original Creditor : XXXX XXXX ) Opened XX/XX/XXXX for {$190.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX for {$680.00} - XXXXXXXX XXXXXXXX XXXXXXXX Opened XX/XX/XXXX {$3200.00} - XXXX  Opened XX/XX/XXXX for 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 2022-06-09
Company: EQUIFAX, INC.
State: CA
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:
I sent a letter to remove personal information and Inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiry not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: LEXISNEXIS
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:
I have a Bankruptcy report on my credit report. I've reached to XXXX and they said that LEXISNEXIS gave the report to them. REMOVE these Bankruptcy report from my credit report immediately. These are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
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:
I am unable to speak to someone at the credit reporting agency to discuss the sudden re-appearance of a paid off auto loan that reported a late payment on my credit report I've called multiple times and left a voicemail and received one response but was hung up on. I have not received a call back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. 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 information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
See letters sent, clear violations of the FCRA

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 2022-03-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking account with 53rd bank online on XX/XX/XXXX. Everything went fine until almost a month later i realized that i couldn't log on to the online banking or access to my funds. When i contacted the customer service on XX/XX/XXXX i was told that my account might be approved by error. So i asked to just close the account and return my money. The representative said ok and that the account balance would be mailed to my home in a check. On XX/XX/XXXX when i still not received the check i called again and spoke with a rep named XXXX. He apologized for the delay and said he would put a request to reissue the check and mail to my home. But as of today still no check in the mail, and I'm still receiving the bank statements so obviously they did not close my account as they promised. I called the bank this morning again 4 times. Each time i was transferred to the fraud department where nobody ever picked up the phone, i waited for over an hour until the phone battery died still nobody answered. I have no other option but to come to CFPB.

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

Complaint:
I have had many overdraft fees that didnt seem correct throughout the years 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 2023-04-08
Company: Experian Information Solutions Inc.
State: NV
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:
EXPERIAN AND XXXX KEEP REPORTING A BANKCRUPTCY ON MY CONSUMER REPORT. 

THEY STATE XXXX XXXX HAS VERIFIED AND THAT IS FALSE. 
I HAVE MY CONSUMER FILE FROM XXXX XXXX AND THERE IS NO REPORT OF BANKCRUPTCY ON THE FILE I HAVE FROM XX/XX/2023 BOTH EXPERIAN AND XXXX HAVE BEEN VIOLATING MY CONSUMER RIGHTS.

15USC1681 ( A ) ( 4 ) CONGRETIONAL FINDINGS AND STATEMENT OF PURPOSE ( a ) accuracy and fairness ( 4 ) need to ensure grave responsibility and impartiality. 
EXPERIAN AND XXXX NEGLECTED TO INVESTIGATE PROPERLY

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 2022-08-24
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:
I have on multiple occasions disputed the information that is being reported on my credit file without my permission. And each and every time, they do a robot reply that its verified. As such the wrong information is still being reported and I have been hurt adversely and it is NOT FAIR. 
According to all the credit reporting rules and FRCA, CCRAA etc... ALL information MUST BE ACCURATE. But these ERRORS are being reported without my permission and as such is a VIOLATION of all these Fair Credit Acts as well as a violation of my PRIVACY.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: CO
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 originally sent Experian a letter in XX/XX/2022 to investigate and update information that is being inaccurately reported on my credit report on XXXX XXXX XXXX  I sent a follow up letter because I didnt receive any response nor were any of these accounts notated as being in dispute. 

I sent another follow up letter in XX/XX/2022 because they only corrected 3 of the 7 accounts. All the accounts are reporting the same and they are ALL WORNG. SO they ALL should have been updated They are reporting on these accounts an inaccurate payment status. 
2 of the accounts are closed and they are reporting a derogatory payment status. 2 of the accounts are open and current, 1 is a dept of education student loan that is in deferment so not only are they violating FCRA, they are blatantly disregarding FEDERAL LAW.

Ive included 4 of the accounts copy of the credit report with the information that is being reported by THEM NOT THE CREDITOR inaccurately. 

I will not accept any response stating that the creditor has verified its reporting accuretly, IT IS NOT THE CREDITOR that Is reporting it wrong EXPERIAN is reporting WRONG. 

I also included all three letters that were sent to them.

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 2023-04-08
Company: Paramount GR Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out this solar panel loan with loanpal for {$21000.00} back in XXXX  @ a 2.99 % interst rate payment Iof {$100.00} per month. I have paid over {$3000.00} to date and the balance is still {$20000.00} What am I paying for? This is predatory lending and deceptive. 
I ask them to rewrite to loan and they say no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to report an issue I have been having with Ally Financial. I believe that they have blatantly disregarded the law and are completely ignoring my request for proof of a contract between XXXX XXXX XXXX and Ally Financial. It seems as though they believe they are above the law. 

I have sent a previous letter, and it has been More than 30 days since I requested proof of the contract. Unfortunately, I have still not received a reply from Ally Financial besides them keep calling. Now, I am being threatened with repossession, yet they have not provided any proof of claim. 

This is a serious matter that needs to be addressed immediately. It is unacceptable for a financial institution to ignore a customer 's request for proof of contract and then threaten repossession without any proof of claim. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to ensure that Ally Financial is held accountable for their actions. I would appreciate any assistance that can be provided to help me resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-04-08
Company: Experian Information Solutions Inc.
State: AZ
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:
I am a natural person and was just looking over my credit report and found some addresses that appear to be incorrect and misleading. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit and purchasing a home for my family. 


Addresses : XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX These addresses have been reporting on my consumer credit profile from 3 XXXX for some time now and this information is inaccurate

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft. Upon applying for a student loan in XX/XX/XXXX, I was denied due to a negative item on my credit report. I was not aware of any negative items on my report. I checked my credit report, and it showed an account for a credit card for XXXX XXXX issued by XXXX. I never applied for a XXXX  card. I never authorized anyone to apply for a XXXX credit card. The address XXXX lists on this account is an address I have not lived at since XXXX. I don't know who opened the card and stole my identity. I followed all instructions listed on Federal trade commission website and filed an identity theft report and police report. All required information was sent to XXXX XXXX XXXX XXXX on 3 different occasions. I also filed a dispute with each credit reporting agency. XXXX ignores my dispute and identity theft / police report. They keep certifying the debt as accurate to Experian. XXXX and XXXX have both removed the account from their credit reporting per the FCRA. Furthermore, XXXX XXXX XXXX XXXX has now turned this fraudulent account over to a collection agency called XXXX XXXX based out of XXXX XXXX, XXXX. This account is identity theft and identity theft report and police reports have been filed. This account needs removed from my credit report and removed from the third-party collection agency per the FCRA.

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 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim # XXXX I was denied this claim. I sent the merchandise back to the merchant and never received a refund. The bank said that the merchant attached documentation that stated it was a legitimate claim. I never said it was illegitimate. I said I returned it for a refund. Capital One lied, they did not attach any proof that the company sent me a refund or any other proof. I want my money refunded. I no longer have the product. Why am I paying for it???????? Capital One needs to be dealt with because this is not the first time they have wrongly denied a claim and I am thinking of taking legal action because this is getting ridiculous. They keep denying claims for reasons that I did not even file the claim : illegitimacy??! Really?? I said I am owed a refund because I returned it to the merchant. I will be handling this further if they do not appeal this decision. I sent them the tracking information attached that I sent back the merchandise!!!!!!! It was delivered back in XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
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: Investigation took more than 30 days

Complaint:
Equifax is report incorrect information on my credit report. The payment history for XXXX XXXX XXXX account is in correct. I am requesting that you deleted all XXXX XXXX   XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
The attached letter dated XX/XX/2022 was mailed via USPS to Equifax and delivered on XX/XX/2022 per the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Equifax then proceeded to submit a dispute on XX/XX/2022 that I did not authorize or request. The investigation of this unauthorized dispute was completed on XX/XX/2022. Though previous disputes have been submitted for this account on file another dispute was not my request. My request was for the validation of debt that Equifax holds on to my consumer file to be able to legally furnish this information on my consumer report. Per the initial rep during my 1-hour phone call with Equifax, they do not have any substantial proof of evidence or validation of the debt and acknowledge that it should not be on my account, however, they will not remove it. As a reminder pursuant to 15 USC 1681B, any account that a credit reporting agency continues to report without being able to substantially validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separately. In light of recent investigations brought upon Equifax, I find that my consumer file is being tampered with. Over the past two years, I have made several attempts to remind Equifax of their duty pursuant 15 USC 1681. It appears that they are intentionally and willfully neglectful in remedying my affairs. 15 USC 1681 e ( b ) assures that I am due, and promised accuracy in my report based on federal law. 15 USC 1681 i ( A.5 ) says that after a reinvestigation all unverified information must promptly be removed. Equifax is refusing to remove XXXX XXXX XXXX XXXX - XXXX from my consumer report though they acknowledge that they do not have substantial evidence to furnish the account. I am demanding that this account be removed immediately.

Company response to consumer: Closed with explanation