BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Americor Funding, LLC
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The lender is Credit9. I dont know who they are and I never borrowed from them nor applied for credit with them. They call me almost every day, sometimes multiple times a day. In fact, as of XX/XX/2023, they have called me over 30 times this month alone. They dont leave a message, they just keep calling and calling me. It has become a form of harassment.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting as a new bankruptcy on my account. It is only reporting this way on my Transunion account, noXXXX XXXX XXXX XXXX XXXX XXXX XXXX account has also been removed from my report and I did not ask for this. This seems to be retaliation for the previous complaint I filed with the CFPB about multiple attempts to correct information on my account. The account description should read " Included in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' This, again is destroying my credit score and my creditworthiness. If the retaliation continues, I will move forward with legal counsel and take legal action.

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 2023-02-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Good evening my name is XXXX XXXX ive been a wells fargo customer since XXXX late XXXX i got a lawsuit settlement brung a XXXX XXXX check too bank they held funds for 3 weeks after three weeks i attepted too go with draw funds and they told me i couldnt withdraw but XXXX XXXX that day no issue i tried yoo go back later on that week too make anoyher wothdrawl and my account was frozen it was frozen for almost a month and at same time noticing my money being taken out in big increments almost XXXX XXXX find out account was levied which wasnt not suppose too be around XXXX XXXX XXXXmy acount was closed because of fraud activity caught by the bank they set me a account for too keep idenity safe after that later on in XXXX inrecived my XXXX settlement then account froze agian and money was withdrawed around XX/XX/XXXX just last year my account had too be changed because it was unknown XXXX transfers and also other withdrawls coming frm.unknown places out of my account i called the bank they told me too set up a whole new account this had been ongoing atleast over 10 times throughout the 4 year relationship with them which my ssa benefits not suppose too be touched someway somehow my.account still got managed too let withdrawls happen on there accord wellsfargo is my bank i have alot more.info dont know how much i need too write also i have proof of statements letters

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 2023-05-08
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-12-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I contacted Navy Federal on XX/XX/XXXX, to resolve and issue with my debit card being stolen and used to make two purchases totaling over XXXX. I was informed that my dispute carried not specif amount of time to resolve. Customer service agents are unable to give me any updates as to why is going on. To date this issue has not been resolved nor any information provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Conn's, 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 with the Fair Credit Reporting act XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: PR
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:
PUBLIC RECORD # XXXX XXXX NOT MINE, DELETE FROM MY CREDIT This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The above referenced accounts is not mine the public record shows other name address and social security. The incorrect listings are lowering my XXXX XXXX unnecessarily, and it is also preventing me from purchasing a home.

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 2023-10-20
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Two months ago I removed my name off my ex husband bank account with Whitney Bank XXXX XXXX, LA XXXX spoke to manager XXXX. I had my old bank account on my XXXX Account they deposited my {$250.00} into my old account with my ex husband. 

I called Whitney several times to explain that the {$250.00} was deposited into a account I removed my name two months ago they told me I couldn't do anything about it. I called several times and my concerns were ignored by several employees saying nothing I could about it. The {$250.00} needs to be be reversed from his bank account. 

The money {$250.00} went to XXXX XXXX account. 
My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is a Chase Credit Card Complaint I am a senior citizen and have tried reaching out to Chase credit card. 
Chase credit card is continuing to charge me with interest on a merchandise that I have not received. 
Chase has not investigated the charges thoroughly and have resorted to confusing charges on my statements and charging interest. 
Chase has not provided a detailed explanation was provided on WHY credit card charges were valid even if requested. 
Chase has stated that we will not respond to future correspondence from you about it. 
Chronology of events : Redacted XXXX Chase Credit card statement containing bill for $ XXXXdisputed amount is Euro XXXX. Filename : XXXXfirst bill-XXXX Redacted XXXX Chase Credit card Statement containing indicating reversal of charges -- {$1400.00}. 
Filename : XXXX-credit-XXXX XXXXXX/XX/XXXX Chase acknowledgement of Dispute. 
Filename : XXXX Chase Acknowledgement of dispute XX/XX/XXXX Formal written dispute filed as requested by Chase. This include reasons for dispute. 
Filename : XXXX Chase Dispute filed ; Supporting Attachments : Filenames : XXXX XXXX Me Cancel ; XXXX XXXX Not shipped ; XXXX Merchandise still in XXXX ( Note : Credit card was charged, XX/XX/XXXX, even if item had not been shipped ) XX/XX/XXXX Chase Resolution to dispute. Request to reopen XX/XX/XXXX. 
Filename : XXXX Chase Response XX/XX/XXXX Redacted XXXX Statement rebilling {$1400.00}. 
Filename : XXXX-rebill-XXXX XXXXXX/XX/XXXX Chase acknowledge to reopen, XXXX : XXXX Chase Acknowledgement to reopen XX/XX/XXXX Chase resolution to reopened dispute, Chase representative states that no further responses will be made. 
Filename : XXXX Chase Response XX/XX/XXXX Appeal letter to chase to reconsider decisionelectronically filed. 
Filename : XXXX Appeal Letter to Chase XX/XX/XXXX electronically filed Affidavit of non-receipt of merchandise. Note : {$1400.00} includes foreign exchange conversion fee from Euro to Dollar. {$1400.00} is a Euro amount. 
Filename : Affidavit of non-receipt of Merchandise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My original lease was with a different company that sold my lease to another company. The information listed was incorrect. It was joint lease where I was listed as the co-borrower. The other company that the lease was sold to had my car repossessed. I was unable to gather any information on the vehicle due to them listing me as the co-borrower when I was the original borrower. I did not sign a contract with the company whom had bought my contract from the previous company. I do not believe this should remain on my credit which has made it impossible for me to attempt to get another car lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: LA
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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-31
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the XXXX XXXX patent plan for student loans in XXXX and received in XXXX. My loan servicer changed from XXXX XXXX to Mohela in XXXX. As we approach restart of student loan payments I reviewed my loans and saw they were in XXXX and not XXXX  ; this is important because XXXX plans are automatically transitioned to the new SAVE plan without needing to recertify my income. I have spoken with Mohela on XX/XX/XXXXXXXX  and they say that I have been in XXXX since XX/XX/XXXX ( this is when I recertified the XXXX plan ), and that there was nothing they could do and I would need to reapply for XXXX. I have documentation of my original XXXX  application and the recertification. They stare there is a disclosure statement of my payment plan from XX/XX/XXXX showing my loans in XXXX ; I have requested this documentation from them. Even if this is true I should have never been in XXXX and have not signed any documentation requesting such ; this is either a mistake by XXXX XXXX or Mohela. I should not have to reapply and recertify my income, and should be automatically transitioned into the SAVE plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Comerica
State: GA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I was supposed to get my money on the XXXX they won't give it to me cause I don't have a picture ID or birth certificate all my bills are past due fixing to get kicked out of my apartment utilities are getting cut off XXXX XXXX XXXX XXXX  and I'm on XXXX no transportation.help me get my money please thanks alot.direct express is the company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
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:
I, XXXX XXXX, previously requested that US BKPT CT AL XXXX be removed from acct as this is fraudulent activity. I originally disputed this claim and Transunion stated that this was verified.They did not provide the means of this verification. 

I took it upon myself to reach out to the US Bankruptcy where they advised that this is not reporting by them and I have provided the documents that were sent to me for proof. 

This is a fradulent as in my previous request they stated that they verified this information and can not tell me who they verified this information with. 

US BKPT CT AL XXXX REF : XXXX Tranunion has continuously defamed my character. I wrote this company to remove this account on XX/XX/2023 and they sent correspondence back stating that this information was verified. I reached out to the bankruptcy court of my region and they stated that they do not report to any credit reporting agencies what so ever that this information may have been provided by a third party XXXX but NOT the bankruptcy court. That means that this company lied and said that this information was verified by the US BANKRUPTCY COURT AND I have proof that it was not. They are also reporting the US BANKRUPTCY COURT AS furnishers which is again not true because the documentation attached is showing that these people do not report this information. This continuous reporting is causing stress and humiliation. I have attached that lettering for your viewing. At this time this continued reporting of my personal information without my consent is causing grave harm to my credit standing. I am stressed that I am not able to obtain housing, cars, or credit card to support my family at this time. They are misreporting my hardship for their companies financial gain. This is causing me to have to pay higher interest rates they I can not afford.

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 2023-02-01
Company: SYNCHRONY FINANCIAL
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After being negatively affected by identity theft, I have tried several times to rectify open accounts and negatively reported information with both the creditors and credit reporting agencies to no avail. I have been sending letters with no responses from either creditors or credit reporting agencies. This has been a great strain on me personally and professionally. By not being able to attain the credit that is necessary to grow my business.

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 2023-10-07
Company: EQUIFAX, INC.
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:
This is my multiple 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, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX : {$4800.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

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 2022-11-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX paid a payment that day, they picked it up XXXX. following day. Called them to see what they required to release the vehicle so then paid and additional XXXX XXXX dollars to have it released and they have keep my vehicle and payment? Wells Fargo 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