BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have just found out, after realizing that I have been paying interest on my credit card purchases for 2 years, that Wells Fargo has changed my credit card from a student card to their charge card in XX/XX/2020. The new card was sent to me around the expiration date of my previous card making it seem that the replacement was just for that reason. When calling to activate the card, I was not informed of the change, and the call proceeded as any replacement card activation. When I called today to resolve the issue, the banker on the line informed me that the bank has rather discontinued their student credit card at that time, and instead has just switched me into their charge card, and that given that they have sent me a letter with this information and that since I have activated my new card I have provided the bank the approval to the switch. Two years after the switch, I was actually informed of it, which if anything is a form of fraud. 
This was not my first encounter with the fraudulent banking system of Wells Fargo, but similarly, I was never informed with my right to opt out of overdraft fees when signing up for my checking account with them, but rather, the banker made overdraft fees sound as a part of the contract that I had to sign on. Even when I previously complained in person and over the phone about their multiple overdraft fees, I was never informed of my right to just opt out. I have recently closed my checking account with the bank when a banker with XXXX explained this to me as I was inquiring about opening a checking account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. Bankruptcy XXXX XXXX XXXX XXXX Date Filed XX/XX/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 2022-09-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Open Date XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: VA
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 reported the theft of my identity of federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have money stored in a digital wallet on BlockFi. Due to recent events surrounding XXXX  bankruptcy, BlockFi paused all withdrawals on XX/XX/XXXX. I am concerned they will use my money ( and from other clients ) to satisfy creditors if BlockFi is faced with bankruptcy as well, which they have never requested nor been given my consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$270.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: KY
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 demand a Line By Line ReInvestigation of the accounts listed below because with the obvious errors on these accounts, a Proper Investigation could not have been conducted In Accordance With ( XXXX ) the Fair Credit Reporting Act. Now is not the time for Updates or Verifications because you've already done that, and my accounts are Still Inaccurate. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Inquiry : XXXX XXXX XXXX XXXX XXXX. Incorrect Accounts : XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX. My rights have been violated in several ways, and yet there has been no resolution. 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 an account without my written instructions. I never gave written instructions. 15 U.S.C. Code 1692b States that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to so by such person ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol or any envelope or in the contents of any communications effected by the mails or telegram that You should not be reporting Inaccurate information on my credit reports because it is a violation of my federally protected rights. U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. This information is Not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Self Financial Inc.
State: NY
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX Account # 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 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 2022-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hello my name is XXXXXXXX XXXX XXXXXXXX XXXX I want to report that XXXX is reporting things like incorrect credit card balances incorrect credit score report on XXXX page what monthly payment XXXX is supposed to report on my credit report correct things correct balances and correct score This is not the case. Wrong payment history. There are many things that are not transparent in my report. I want it to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating. " They do not report any bankruptcies to anybody. '' So, if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigatibve consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. My name is not accurate and date of birth. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint begins with some hard inquiries I encountered on my credit report. Total of 9 hard inquiries.

Banks that showed up on my report are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In the end of the month of XXXX continuing to the beginning months of XXXX. XXXX I recently started a XXXX  business in XXXX ( XX/XX/22 ) and have not established any business credit. I believe these hard inquiries are fraud and should be taken off my credit report. I am well aware on how to manage, spend, and keep my utilizations low in order to build proper credit without applying too many unnecessary debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Due to theft and act of fraud by persons being investigated whom accessed account after stealing my debit card, I immediately contact American Express Serve to cancel my card. After doing so, my funds was locked and I had no way to make withdrawals on declined transactions were ongoing when making oayment with bank routinb and account number. My card was expedited but due issues that thr company fail to investigate and refuses to acknowledge, this has left thr access to my accou nt unsecured likely due to the inteference by these individuals who are responsible for the theft of my identity and are being currently pursued crriminally. Having no access to my account has cause multiple unauthorized transactions and pending transactions, it has led to the compromise of the debt card PIN security feature and seem to be used as a frature that allows the card holder to enter my phone banking. Transfers can be made with attempts have been notices. The continuous changing of my email per notifications from the institution, allowing smaller unauthorized activity and the routing of notifications and statments to be routed as my account is under absolute compromise without any support, remedy, or corrective action from the Financial Institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CITIBANK, N.A.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with XXXX XXXX XXXX in XXXX XXXX, South Dakota and I sent XXXX to the XXXX XXXX XXXX citibank location on friday, XX/XX/XXXX for a vehicle that was never delivered. The customers website was XXXX and the beneficiary name was XXXX XXXX XXXX. Their account number is XXXX Routing number is XXXX Reference number is 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