BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, I have mailed in several disputes with the 3 major credit bureaus ( XXXX, XXXX and TransUnion )XXXX XXXX XXXX XXXX shows on my credit report as late 90 days and settled for less amount. It's showing twice which I have never been late nor settled the accounts. It should show Paid In Full Closed Never Late. 

There is another derogatory on all three credit bureaus for XXXX XXXX. I have contacted all the 3 credit companies and XXXX XXXX regarding this XXXX XXXX XXXX XXXX XXXX which I never owed. I submitted several claims and disputes by mail and online and it keeps returning with the same negative information. XXXX XXXX is not aware of this account allegedly belonging to me I am writing to you to please help me get this issue resolved. 

The following is the most recent dispute results opened on XX/XX/2023 and Results came back on XX/XX/2023Report Number XXXX Date Generated XX/XX/2023 XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 


Thank very much.

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 2023-02-10
Company: WELLS FARGO & COMPANY
State: AZ
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:
Unauthorized charges by Wells Fargo

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 2023-02-21
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed with capital one on XX/XX/22 Someone deposited a check in my account I tried to dispute it because it wasnt mine and they closed my account because I wasnt secure with my data. I asked them to mail the check they said it would take 10 business days. It is now XXXX still no money I have called and left several voicemails still no call back. At this point I would like the money transfer to the XXXX account that is already in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX issued a quote to me via XXXX for {$260.00} for a car rental from XX/XX/XXXX to XX/XX/2022, in XXXX. I placed a reservation based on this quote. The quote neither included insurance nor mentioned that it was mandatory. When I was renting the car on XX/XX/XXXX, XXXX coerced me into buying insurance refusing to rent me a car otherwise. I did not need this insurance because I already arranged it through a third party ( American Express XXXX ). However, I needed a car and had to agree to the coercion. Accordingly, I disputed the insurance charge of {$130.00} ( a part of XX/XX/2022 total of {$390.00} ) with my credit card company American Express but they insisted that the transaction was valid. I believe XXXX cheated me into buying an additional product that they did not include in their original quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a phone call from XXXX XXXX XXXX. I XXXX the number and saw that it was linked to the banks website. The person impersonating an employee from the bank said that there was suspicious activity on my account. He said my account was frozen until I got my new card in the mail. On XX/XX/XXXX I went into the bank to confirm and found out that this person was making multiple transactions on my account. He used both my checkings and credit card. He was also able to steal {$9500.00} through XXXX. He knew my phone number, my address, and my military background.

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 2023-02-22
Company: EQUIFAX, INC.
State: NC
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was contacted by XXXX from XXXX XXXXXXXX. He stated I was approved for a loan. He said to check my email. I saw the approval in my email. They made mobile deposits to my savings account and stated that I needed to send the money back via XXXX gift cards. The explanation was that it would be proven to them that I was who I stated I was due to there being alot of scams and fraud occurring. So they numerous mobile deposits totalling approximately XXXX dollars into my savings. They told me to send the money back via XXXX XXXX I told them that I don't have that app however I do have XXXX. Then they said ok well just return the money via gift cards like XXXX... So I gave all of the money back to them via XXXX gift cards. After that I was told that the loan check was being deposited and to standby.. I waited for that to occur and it never happened. A few days after that my savings account started stating a negative balance.. At that moment I understood I was just scammed. I immediately contacted Wells Fargo to alert them to what happened and they quickly closed that account and open a claim for me on my behalf.. Today I was told that because I authorized these people.. I now have a savings account that is- {$3100.00} and they can't help me... I've been a member of Wells Fargo for at least five years...

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 2023-02-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have a right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account is fraudulent and should be removed immediately. Please refer to attachments. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to Regions Bank to open an account on XX/XX/XXXX at about XXXX. I was told that I had to pay a previous balance of XXXX before I can open a new account, so, I paid that amount then the rep. Gave me an appointment for Monday XX/XX/XXXX at XXXXXXXX XXXX When I get there to attempt to open the account she tells me I can't because somethings going on with my social security number or background check. I've never been in trouble, I'm not a felony or anything. I want to know what's going on. Please 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 explanation
Consumer complaint received 2023-03-06
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected right away : 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 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 2022-11-09
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was fraudulently charged by two different merchants when contacted chime they told me the information stands no error made. They couldnt have done any investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This creditor is not licensed to collect debt in New York State and it is illegal for them to attempt to do so without a license from the state of New York. I also do not own this debt as I never lived at the residence in which they say the debt incurred.This creditor has not responded to requests to dispute. I have disputed with the credit bureaus, but it seriously damaging my credit report. I want to buy a house and such, but this collection is prohibiting me from being able to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion claims they did an investigation which did not solve my disputes. There are XXXX items disputed on my TransUnion report and they were not address by TransUnion. Per FCRA if after XXXX days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. TransUnion continuously ignores my disputed and just claims that things were verified. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for TransUnion to be in compliance. At this point TransUnion is in direct violation on multiple accounts according to 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 2023-03-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried opening and account online around XX/XX/XXXX and was denied. Then around XX/XX/XXXX I started receiving mail from Wells Fargo with odd names on them. Even received a few with my maiden name on them. I called the bank and reported this because I know to open accounts my credit has to be ran and while speaking with the representative noticed that the info used to Create the accounts wasnt even correct. They had my first name with my maiden name ( Ive been married for years ), and also had my year of birth XXXX number off. The email Was also changed to something I didnt recognize. She could not locate where the accounts were created so she routed me to the fraud department where I created a case. They told me the account was closed immediately and recommended I call credit bureau and fraud alert my social, so I did. The bank said they would get back to me within 7 days. I waited and no response from anyone regarding the situation. I called back and left messages and still no response. In XX/XX/XXXX I was scrolling through my old email and noticed I was receiving numerous emails about my wells Fargo account changes. I called wells Fargo again only to find out 2 more accounts were opened. I spoke with fraud department again and created a case. I asked numerous times how can accounts still be getting created with a fraud case open and alert of my social. The lady has no answer but assured me the current two accounts would be closed. I too it upon myself to look up the codes on the account numbers and noticed the accounts were being created around Nevada area. I live in North Carolina. I dont understand how several accounts can be open with my social but when I tried originally, it denied me. To this day I still receive mail with random names from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: 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 noticed a few Accounts on my Credit I have not authorized or dont recognize

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 2023-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Too many incidences to count but typically, as soon as i get paid biweekly, on XXXX, first thing i do is pay bills like my phone bill. i pay. the money gets withdrawn immediately. i know how much i have left over. i spend a little on the weekend. my account gets low. 
then on XXXX, i get hit with multiple overdraft fees ( always {$35.00} ) for a bill that i paid on my payday XXXX, that Wells Fargo paid on the same Friday like my phone bill. happened all the time. been to the bank and they reimbursed me once. Been a client since XXXX. plus there were random little withdrawals they couldnt explain. usually in the range of {$50.00} - {$60.00} dollars every month. 

They did this to me for almost 8 years, from XXXX - XXXX until i decided to transfer my direct deposit to another bank because my account with them went into the negative even after multiple instances of showing screenshots that they paid a bill and i still had plenty of money left ; they refused to anything about it.

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 2023-02-22
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:
My email got hacked as well as my XXXX and my XXXX XXXX {$1.00} dollars was drained from my bank account I alerted my bank to file a dispute but they declined my claim, Im at the risk of being evicted from my apartments because of this and I dont know what else to do

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX is currently reporting my wrong monthly payment amounts and its effecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: MI
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 discovered that there are unauthorized inquiries in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  ASSOC Account Number : XXXX BANK OF XXXX Account XXXX : XXXX XXXX NOW Account Number : XXXX XXXX  COLL Account Number : 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