BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Account Lease # XXXX, and XXXX XXXX  XXXX XXXX Account Number : XXXX have violated my rights. 

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

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

15 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2023-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Branch Manager XXXX XXXX of Wells Fargo at XXXX XXXX XXXX in XXXX, California is breaching customer account confidentiality by divulging private account information to multiple people in the community. This has been brought to my attention by several people to whom XXXX has spoken with regarding my accounts with Wells Fargo. XXXX is personally retaliating against me as a customer and attempting to defame and/or sabotage my company 's reputation because her son was fired from my 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 2023-09-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had originally filed a compliant with CITI ( XXXX XXXXXXXX ) regarding a dispute that was unintentionally withdrawn but was for a service never delivered ( for {$400.00} ). After making the complaint with CFPB, I received a response letter from CITI on XX/XX/XXXX indicating that the dispute was permanently credited to my account. However, the amount of {$400.00} was never credited to my account. Thus, the issue has not been resolved. The other dispute ( also for {$400.00} ) is still pending ( as indicted in the letter ), but I did receive a credit for that dispute. Despite multiple calls and being told the credit would be applied to my account ( before the statement payment deadline of XX/XX/XXXX ), it has not. I just spoke with a XXXX today ( XX/XX/XXXX at around XXXX ), and she told me she was just assigned this case ( even though it was assigned to someone else in the past ) and will not have any further information from me until 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 monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Block, Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/23 I received a cashapp debit card in the mail without having asked for one or ever having a cashapp account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$100.00}

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 non-monetary relief
Consumer complaint received 2023-09-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im filing this complain against Chexsystems they have not removed the fraudulent inquiries from my report in going to send the police report and ftc complaint and the copies of the chexsystems report to show there is over 43 inquiries in my report that someone has made with out my permission, these inquiries are fraudulent, please remove these inquiries as I did not try to open any accounts but these inquiries are stopping me from opening a checking account because this is hurting my credit and me financially, either remove these items from my report or Im going to have file a lawsuit tk have them removed, Im also sending a letter from a lawyer that I have hired to sue XXXX for the same thing, Im tired of asking and now I want these off and please do not come back with some excuse wow yall cant take them off or yall ignore what I send yall, now take everyone of these inquiries off my credit report or be sued, this is manipulating what have sent chexsystems, I will keep all copies of these complaints tk show how many times I have filed against Chexsystems and they have failed or didnt do there job, remember this complaint will be kept as evidence and can be used against Chexsystems

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 2023-09-28
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

I have never signed any agreement with these debt collection agencies. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XXXX, 2022 I opened a Chase account at the XXXX Ca branch and deposited {$1400.00}. On XX/XX/2022 Chase closed my bank account and refuses to tell me why. I asked for my checks back since Chase said they couldn't reach CA unemployment to verify the state checks, and I was told No. I was told I have to call Chase everyday and have them call CA unemployment office to verify my checks. Everyday, Chase tells me that they can't reach CA unemployment office and that I will not get my money. I've asked to speak to a supervisor and they said they are a private entity and don't have to release those checks to me for up to a year!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-11-07
Company: Monterey Financial Services LLC
State: GA
Product: Credit reporting 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 recently conducted a thorough examination of my credit report and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple accounts listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX, I promptly dispatched a formal letter to the credit bureaus in which I requested a comprehensive investigation into the accuracy of the information associated with the accounts I have enumerated below. Accounts : Account as it appears on my XXXX file : Monterey Collections SV XX/XX/XXXX for {$3800.00} Incorrect Address : I have also seen on my profile that your reporting incorrect addresses that doesnt belong to me please update my address as it appears on my drivers license. This is my only accurate address. All other addresses should be removed. 
Correct Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. 
The accounts are listed below : 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 Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to ma all of the documents that you have recorded and retained in your file of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In late XXXX early XXXX someone attempted to use my debit card at the XXXXXXXX XXXX in New Hampshire but due to lack of funds the transaction didnt process. I was told I could not report fraud by XXXX XXXX because no money had been taken. They issued me a new card with new account number. On XX/XX/XXXX my debit card was used for 2 transactions of the same amount {$64.00} within a matter of a couple hours by thrillophilia I did not make these purchases. After reviewing my dispute they decided there was no fraud and did not give me my money back. On both occasions I called within 24 hours to report the illegal activity. I had my new account for less than a month when the fraud had occurred the second time. I made multiple calls to the company to discuss and report the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/2023 I received a call supposedly from chase bank telling me account had been compromised. They kept on the phone too long and in the meantime they knew my credit card number. They told me not to pull up my account until the next day while they investigate the compromised. They ask me to take care of my XXXX account for {$480.00} because we have put the funds in your account to cover the expense. The procedure they used had me convinced I was talking to Chase representative. However, after I hung up, things did not seems right. So i opened my account and my funds were gone. I called Chase, and their help seemed to be not up to par with handling the situation. I called another Chase official and they said they would handle it. today Chase reversed their action of covering the theft and withdrew my lost. I reported identity theft atold my nd they ignored that. So they assumed I stole my own funds from out of XXXX. Each withdrawal for {$300.00} each until they got down to the last {$100.00}, and each one covered drinks and dinner. I licve in Illinois and i certainly would not have withdrawn that much on one day for drinks and dinner in another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-11-21
Company: Paypal Holdings, Inc
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was buying a pair of shoes and paying with paypal, but looks like it was a scam the company started an auto pay and was billing my account every XXXX days, so i stopped it and issued a complaint with paypal, they declined my complaint and permantly restricted my acccount, but wont tell me why. i had done business with paypal since XXXX. I spoke to a supervisor, who told me there was no one higher then her i could speak to, and the decision was final. this is crazy, i have an exceptial credit rating im listed as a preferred member with paypal. ps i never received the shoes i ordered and the company i ordered from would not respond. also you asked for credit card number but they only show last XXXX digits normaly look me up by my email addess. 
I do have a receipt for the shoes i ordered it was not the company who billed me a can supply if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 explanation
Consumer complaint received 2023-08-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have diligently attempted to work with customer service and the Escrow Department since XXXX of 2023, in an attempt to remedy predatory lending practices that have burdened me with a high monthly mortgage payment. Due to customer service failing to rectify my loan discrepancies I have suffered a financial hardship and loss of great credit standing with XXXX, XXXX, and XXXX. Specifically, Carrington Mortgage is reporting my loan payment to all three credit bureaus inaccurately in the amount of XXXX XXXX XXXX XXXX XXXX Dollars ( {$2500.00} ) ; my actual monthly loan amount is XXXX XXXX, Twenty-Eight Dollars and Ten Cents ( {$1000.00} ) ; see Fixed Rate mortgage note attached. Additionally, customer service has failed to update my file to reflect my tax exemption status and remove my account out of an escrow status, whereas my property insurance is directly paid by me and is in a current status. Therefore, I am requesting the following remedies for my pain and suffering : ( 1 ). Carrington Mortgage contact all three credit bureaus and report my monthly payment accurately in the amount of ( {$1.00}, 028.10 ) ; and ( 2 ) Carrington Mortgage contact all three credit bureaus and remove all negative delinquencies and update my account as paid on time ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2016-02-25
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I own a condo in XXXX and fell behind in my condo fees because of a dispute. The condo assn filed a document threatening to sell the property at auction XXXX XXXX, 2016. I am XXXX % current on my mtg payment. This dispute is about condo fees and the bank 's collateral. I understand that the property is collateral for the loan. I wanted them to be aware of the threat to their collateral. 
As soon as I rec 'd the doc, I forwarded it to Nationstar Bank. I called them several times and sent emails and they told me repeatedly, someone from the legal dept would return my call. This went on for weeks. I hired an atty who was able to get them moving. When I did hear from their atty, XXXX XXXX, he requested, on the day of the auction, an extension. He stated that his office needed more time. Obviously, this was not acceptable to the board. I borrowed some money and I wired the funds when I did not hear from Nationstar atty. Unfortunately, the board atty, XXXX XXXX, said it was too late. I have no way of verifying what time the money was received by the other side. Now, my bank will not talk to me without an atty!! How do I get any service without paying an atty?. This can not be happening in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : DP OF EDUC XXXX Balance Owed : {$4300.00}

Company response to consumer: Closed with explanation