BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used a ATM and the ATM didn't give me any money but it still took {$300.00} out of my account on XXXX XXXX  I noticed the charge and called Chime they told me to wait and maybe it would go away. I wated and on the XXXX XXXX XXXX it was no longer processing. So I called and talked to them again and they submitted a dispute for me. Then on the XXXX XXXX XXXX  they sent me an email and said I was denied. I called and they wouldn't tell me why but they said they will submit to have an email sent to me on why and I reopened another dispute. Then I got the email as to why they denied me it said they denied me on just my phone conversation with the chime representative. So they didn't have a reason. I called everyday leading up to yesterday when they still said theres nothing they can do. I called the ATM people and told them my situation. They said that they recieved the dispute and said that they sent my money back to chime on the XXXX and gave me a transaction XXXX XXXX XXXX I believe they called it. So I called chime back and they just passed me around saying that my dispute is still under investigation and there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report report or portion thereof 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. 

They did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 181 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 explanation
Consumer complaint received 2022-07-04
Company: Bread Financial Holdings, Inc.
State: MN
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 a credit card with Comenity Bank. Their website and portal to view accounts and pay on accounts has been down for weeks. They keep calling my cell phone and when I answer the line goes dead. They have also reported late payments to my credit and added late fees even while its not possible to pay online due to technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/2022 I was contacted by a person who I though was friends with on XXXX and said she invested her money some money with a person and got back a good amount on money back. She had the lady contact me by XXXX. I got a message from a person named XXXX she informed me that if I invest {$600.00} I would make a profit of {$6000.00} back the only thing I would have to pay is her commission which was XXXX XXXX of whatever I made. I asked all the necessary question a person would ask to make sure you are not getting scammed. I believed her and XXXX her {$600.00}. She confirmed the transaction on her side and said she would keep me posted on the investment. A couple of hours later she send me a message through XXXX saying that I made {$6000.00} and that she would transfer the money to me but that it would take a couple of hour for it to process. I replied and said that it was fine. And hour or two later I received a XXXX message saying that the money was ready and she would transfer but I would need to send her money as she need to pay the transfer fee. She stated that the Transfer fee would be {$1200.00}. I told her that it was a lot of money to transfer and she stated not to worry that I would get it back. I ended up trusting her and XXXX her {$1200.00} on XX/XX/2022. Later in the night of XX/XX/2022 I got another message saying that once again the money was ready but I would need to XXXX more money. At that point I questioned her and said that I had no more money and she say well see if someone and help you and you can send them back the money once you get your investment money. At this point I decided to actually text my friend who had referred me to her on XXXX. XXXX is is my friend texted me back right away and said " do not send any money to them it is a scam, they scammed me too and now have taken over my XXXX to have all my friend send them money. '' She stated that she lost access to her XXXX to these hacker and scammer. 
I contacted my bank which is Chase to report XXXX they stated that there is nothing I can do and that I can not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
DEAR XXXX ; XXXX  ; EXPERIAN, AND CFPB ; There are 3 accounts that i been trying to dispute 3 negative items on my credit report such as XXXX XXXX, XXXX ; and XXXX that continues to report inaccurate, incomplete and erroneous. 

Plus Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/23 I was checking into a flight at the Delta Airlines Counter. The Agent assisting me noted the Delta Sky Miles American Express card I was using and told me that if I upgraded to the Delta Sky Miles Gold American Express Card I would receive XXXX miles on Delta. I normally would not sign up for a card with an Annual Fee but agreed for the XXXX miles - the Delta Agent signed me up for the card. 

I had not yet received the miles and contacted American Express on XX/XX/23 via Chat. I worked with an Agent and then their Manager and was told by both that I was not eligible for the miles because I was already an American Express customer when I signed up for the Gold card. The Agent representing and selling their cards knew that I was already a card holder when he presented the offer to me. I have been using this card that I signed up for specifically for this bonus that I was offered and will not be receiving. 

I was informed there was not another level of escalation to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: U.S. BANCORP
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:
The are unauthorized Inquiries reported on my credit report for the following : XXXX  XXXX on XX/XX/XXXX, Elan Financial on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and Bank XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The are unauthorized Inquiries reported on my credit report for the following : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, Bank of America on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and Bank of America on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Made an initial payment on XX/XX/. Paid {$150.00} towards minimum payment. I owed {$150.00} more but was unable to meet that payment. Entire payment was due on XX/XX/. Phone calls from citi bank started on XXXX  in which they called 2 times at XXXX XXXX  and again at XXXX XXXX. They then called again on XX/XX/ at XXXX XXXX XXXX XXXX XXXX 
They called again on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They called again on XX/XX/ at XXXX XXXX XXXX XXXX XXXX and finally they called today XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Over the past 5 days they have called a total of 10 times and have left 4 voicemails. I plan to pay my past due payment when I get paid this week, but the amount of phone calls everyday is 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 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

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 2023-12-18
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you in regard to a matter of utmost urgency concerning fraudulent accounts and identity theft reflected on my credit report. Upon reviewing my credit report, I have discovered accounts that are the result of identity theft, and I am requesting the immediate removal of these fraudulent entries. 

I want to emphasize that I did not open or authorize these accounts, and I believe I am a victim of identity theft. I am deeply concerned about the potential harm to my financial well-being and creditworthiness, and I am taking immediate steps to rectify this situation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the legitimacy of these accounts and take swift action to remove them from my credit report. I have attached supporting documentation, including a copy of the identity theft report I filed with law enforcement, as well as any additional evidence that may assist in your investigation. 

XXXX XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX  - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX  - FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand quick corrective action to address the errors that are still damaging my credit score because I am furious that this dispute is not being resolved. 


I appreciate your prompt attention to this matter and your commitment to protecting consumers from the serious consequences of identity theft. If there are any additional steps or information required from my end, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Aldridge PIte Haan, LLP
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
to whom it may concern this is to inform you that the lawyers have given this allege account to is not responding to my letters XXXX XXXX XXXXXXXX XXXX  and this is to inform you that if don't get my desired remedy in the next ten ( 10 ) days i will commence arbitration/ federal complaint proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Sunlight Financial LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2022 ; my wife and I entered into a contract based on a sales meeting at our home to purchase a solar powered system through XXXX XXXX ( since then has been renamed XXXX XXXX ). The sales agent presented information and quoted figures that we feel are highly deceptive and patently misrepresent the ability of the system as it functions today. The total cost of the system is {$74000.00} which comes down to roughly $ XXXX. We were made to believe that our system would generate 73 % of our current energy usage, and that by improving the efficiency of our home through changes such as LED bulbs, improving insulation, etc. ; our energy consumption would further decrease. At the time, our average energy bill was approximately $ XXXX. The sales agent referenced the cost of the system being offset by the amount of savings generated through solar energy. In actuality, we are not seeing any significant change in energy utilization. Our monthly statements for energy consumption have not changed, nor has our monthly bill. We are not only paying the same monthly energy bill as prior to the system being installed, but we are also paying the cost of the system which has essentially doubled our monthly payment for energy. Because of the gross misrepresentation, we have become incredibly upset. We have tried reaching out to the sales agent but have received no response. We also have reached out to XXXX XXXX, but they state that they will not do any form of system performance review until at least 5 months have passed. Because of this, we feel that XXXX XXXX has breached the contract agreement and we should not be held liable for payments on this system and therefore can not expect Sunlight Financial or XXXX XXXX XXXX to continue to request payment for this faulty system as we want it removed from our property. To be clear, this is not necessarily an issue with the loan or repayment. We believe we were fraudulently sold a system that can not perform to the specifications that we were made to believe. This has caused a doubling of our expense without any benefit. We believe XXXX XXXX and the financial institutions they work with, Sunlight Financial and XXXX XXXX XXXX, should be held accountable and should remove their equipment and no longer receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB Professionals : I have received no credible response from Wells Fargo Bank in over 2 years of CFPB. 

Wells Fargo has stranded me again on vacation in XXXX with no credit card. 

I have had no credits or access to my accounts for 2 years now. Wells Fargo team has taken advantage once again of my travel schedule> I have an active broker, checking and savings account for 4 years. 

Summary of Account Closing and Failed Credits Complaint : 1. ). In XX/XX/2023 I rented a car from XXXX and Wells Fargo failed to close my account as my card was turned but, but Wells Fargo Security processed the fraudulent transaction ( {$1200.00} ) and lowered my account balances, and took the money. No security or rep follow-up was written and promised on the phone by a young Rep ( details to follow ). 

2. ) In XXXX & XX/XX/2023 Wells Fargo closed my checking account totaling {$8300.00} with no credits and disappeared with my money for 4 months. Finally in XXXX or XX/XX/2023 ( 5th phone/letter ), Wells Fargo Rep sent my retirement fund to my XXXX  summer address. The Spanish bank put a 30-day hold on thinking it might bounce. Wells was very responsive on XX/XX/2023 within 10 days, magically, they could find a quick trick to keep my money in their holding account. 
WF immediately sent, via certified an indemnification " TRAP '' letter. See Details. 

XXXX. ). XX/XX/2023 I am still stranded in XXXX without a debit card or active account and {$5500.00} in credits not received. SEE Detailed Letter

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 2022-12-06
Company: Experian Information Solutions Inc.
State: GA
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 recently went to purchase a car and the person that was helping me said that I was only receiving a soft inquiry and while she was telling me that I received multiple inquiries from places I did not apply at. I was so upset I never went threw with the car purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX  XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then records of Convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a Consumer to any Consumer reporting Agency if the person knows of has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation