BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Hello Digit, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I am writing to you on this occasion because since XX/XX/XXXX I have not been able to dispose of my funds that are in the Hello Digit inc. digital wallet. 
Namely, I forgot the password to my Digit profile, so I contacted the Help at Digit administrators to help me access my account. They asked me for documents such as bank statements, deposit slips, blank checks, and personal documents issued by the state, all of which I did and submitted to them in emails in accordance with their instructions. However, since my problem was not solved, I contacted them again. They only referred me to other officials or computer-generated bots, who asked me for the same documents again and again and did not offer any solutions. Since I didn't get feedback from Digit about the status of my problem for almost a month, I tried to contact them in several ways, including through customer service, emails, and even through social networks, but I didn't get any response. I would also like to mention that the funds I have in their account are necessary for my everyday life, such as for reasons of health care among others. 
I am writing to you on this occasion because, as much as I appreciate their policy of privacy and protection of personal data, in this particular case it was carried out to the detriment of communication and customer services, and I do not receive any feedback on the status of my profile and I do not have access to the funds that I need and In this way, material damage is done to us, but also lost profit. 
I hope that through you I will be able to exercise my rights and that I will be given access to the account, and I am open to any kind of compromise and cooperation and I can provide any proof that is needed. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NC
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  Account # XXXX, Name : XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have continuously reached out to XXXX due to a charge for XXXX XXXXXXXX charged to my card XXXX ago that I did not authorize. I never signed for the promotion nor have I ever used it. XXXX XXXX found XXXX Citibank in violation in 2015 for charging the involuntary charges to accounts without authorization. Citi is in violation even after they were ordered to discontinue and repay customers. I have attached screenshots from XXXX XXXX that stated the violations.

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 2022-12-01
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: Old information reappears or never goes away

Complaint:
Despite multiple phone calls and written attempts to contest hard inquiries, the following inquires remain and/or ( keep reappearing ) on my credit report and it has been more than 60 days. The following inquires have been made fraudulently and against my authorization. Please delete them immediately. Ive attached my XXXX and a utility bill as proof of my identity. The inquiries in question are as follows : 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 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 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 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out numerous occasions this year alone ( not even adding the times I reached out about this same concern last year ( XX/XX/2022, XX/XX/2022 ) about such issue and this will be the last time before seeking legal action. 

As I told and asked You ( " TRANSUNION '' ) before, I did not authorize anyone employed by these companies to make any inquiry and view my credit report, and to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature you have not and seems as if you can not. 

In addition, I did not give you ( " XXXX '' ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I've demand you ( " TRANSUNION '' ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. You have not and seems as if again can not. 

In absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

If my demands are not met then legal action will be taking for damages due to lack of compliance. If you ( " TRANSUNION '' ) will not abide by the laws that govern you I definitely don't want to do business with such company and will request my information be removed from your records. 


THIS IS MY LAST TIME REACHING OUT TO REMOVE SUCH INFORMATION FROM MY FILE BEFORE I SEEK LEGAL ACTION AND DAMAGES. 

YOU HAD 30 DAYS TO INVESTIGATE FROM THE DATE OF XX/XX/2022 IT IS NOW XX/XX/2022 TIME IS UP and you have yet to produce any type of verification so I demand Inquiries be deleted/removed. 

Send such deletion verification to my address ( updated credit file ).

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 2022-06-30
Company: Experian Information Solutions Inc.
State: IL
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 this isn't 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 XXXX. 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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-04-04
Company: JPMORGAN CHASE & CO.
State: MS
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:
On XX/XX/2022 I went to a XXXXy XXXX XXXX in XXXX Ms XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX Bank. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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: Account status incorrect

Complaint:
On multiple occasions I've contacted Equifax about incorrect reporting on my credit report. My credit report has not been updated Since XX/XX/XXXX. Equifax is reporting multiple late payments from XXXX XXXX. I have never been late or missed a payment from XXXX XXXX. I've disputed this multiple times, but Equifax has not reported the correct information and remove these late payments from my credit report. 
Equifax is reporting a balance with XXXX XXXX on my credit report. This balance was paid in full on XX/XX/XXXX. XXXX XXXX  shows two late payments on XX/XX/XXXX & XX/XX/XXXX. This balance was paid in full and never late. There are two accounts from XXXX XXXX XXXX XXXX XXXX. These are fraudulent accounts that have been disputed and confirmed Fraud by XXXX XXXX XXXX XXXX XXXX, but Equifax has failed to remove the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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:
in accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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 2022-09-21
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I attempted to sale my house. I was notified that there was a second deed of trust held by XXXX. I had filed for bankruptcy some years back and was under the impression that the second mortgage was dissolved but it was not. It was transferred through multiple servicing companies and ended up at XXXX mortgage company. I was notified by them that it was charged off and sold to Nationwide Credit Inc ( NCI ). I have had numerous phone calls with NCI and can not get any information from them. The account is either on hold, closed or they can not find it. I have requested that IF there is a balance what are the options for for settlement and I am always told I will receive a call back or an email. In which I never receive. On XX/XX/2022 I was told they could not locate the account and I would have to speak to an offshore supervisor that was located in XXXX so he would have to call me back. I asked if I could hold to speak to him since I have yet to receive a call back. The individual I was speaking to raised his voice and told me that was not an option. At this point after several attempts to get the Deed released to my property I am frustrated and do not know where to turn. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had two XXXX XXXX  accounts, I called XXXX in XXXX of XXXX to cancel after months of issues with the company and updating credit card information with XXXX XXXX, XXXX XXXX and XXXX, all employees of XXXX XXXX. Both accounts continued to have separate problems which the company was negligent in solving after several attempts. Upon initiation of canceling accounts in XX/XX/XXXX, XXXX only allowed me to cancel one account. They sent the other account to collections. XX/XX/XXXX my teen daughter received emails from XXXX XXXX XXXX stating she owed {$100.00} for the XXXX Account. I contacted the firm, requesting more information, a breakdown of charges and months. I was informed I needed to request in writing. XX/XX/XXXX I sent a letter with request for a detailed formal charges for the account. This letter was sent through the post office via confirmed mail. Tracking # XXXX. The only information was the email my daughter provided with a button that you could click on to pay. the firm had not contacted the adult either by mail or phone. XX/XX/XXXX I followed up with a call to XXXX XXXX XXXX as I still had not received any communication from them. The associate states, " you did not update your address, and you sent the mail back to us. '' this is inaccurate information, on the first call to them in XX/XX/XXXX, I verified my contact information, due to not receiving any communication from the which they stated they had attempted calling, I also sent my address in the requested letter and on the envelope. As of XX/XX/XXXX, I have not received by Colorado Law lawful account information of detailed charges being requested, even after following the correct policies requested by the company. This appears as deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
my original loan amount was for about XXXX, that was a year ago. I called the bank today to see if I could have that 'accumulated ' amount reduced or eliminated. I was advised that it was not possible. This started out as a relatively small loan for an engagement ring for my fianc, and I was making regular payments for the life of the load up until now. I called on XXXX occasions and spoke to XXXX different representatives and I was advised that there were no options. I used to hold a regular credit card with Wells Fargo but I paid that off and closed the account because I do not care for their business practices. But for this particular purchase the vendor only used Wells Fargo for purchases of this kind. I would like to launch a formal complaint, in pursuit of a resolution regarding the XXXX interest charges. I am willing to pay off the original balance in full but I refuse to pay the interest on this this item as I believe is unethical and mounts to modern day usury. Please let me know if you have any further questions. 

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 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has fraudulently reported 30 day late payment on my credit report. During this time XXXX XXXX XXXX  and spoke with XXXX ( XXXX ) about my account. When requested deferment for the month of XXXX  she granted my request. During the month of XXXX i received a 30day late notification on my fico report. Dropped my score drastically. I have been a member with XXXX for many years and was shocked. I have contacted several times and they are not willing to investigate what so ever. There only solution they gave me was to write a letter to there dispute department. And of course ive done several times and they just responded back with there generic message, they cant help me at this time. This is wrong of XXXX XXXX, it shows me that they dont care about other peoples lively hood that they put at stake. 

I have disputed with all bureaus and they just come back with verified verified verified. 

CFPB please open an full investigation to help me get the fraudulent 30 day late payment off my credit report. as it is damaging me credit worthiness. When in fact i was on top of this account. XXXX is the one that has reported incorrect data to my credit report. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief