BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX {$600.00} to wrong phone number using Wells Fargo XXXX. 
Wells Fargo refuses to refund. 

This situation is expressly addressed in Consumer Financial Protection Bureau 12 CFR Part 1005 - Electronic Fund Transfers Regulation E. 
Mistakes a remittance transfer provider is responsible for correcting include : Delivery of funds to the wrong recipient ( This is the last of five items listed )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon checking my Report there are multiple accounts I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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 they violated my rights. 
Please delete the following items : XXXXXXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2023-02-21
Company: Self Financial 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: Account status incorrect

Complaint:
Self reported to my credit that I was late on payments when in fact I wasnt I requested to cancel on multiple occasions but they denied my request to cancel after sending multiple emails and phones I need this removed from my credit I emailed them XX/XX/2020 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke the XXXX XXXX about my rent and my situation. I was then given the option by the assistant manager ( XXXX XXXX ) to go through with an eviction process or leave my apartment by XXXX  XX/XX/XXXX at XXXX and be give a XXXX balance from XXXX XXXX. Me and my roommate followed instructions and turned in our keys and moved out belongings before the requested time. Some time later i looked at my credit report and was being charged {$6000.00} from them despite following instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Navient Solutions, LLC.
State: NC
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 owe students loans for a school that closed down. And I wasnt able to complete my degree in XXXX This has affected my credit for years and my check was garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( Section 2 ) States A consumer reporting agency can not furnish an account without written permission. 15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 or has reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: SC
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:
I reviewed my consumer reports and noticed I had one late payment on an account that was never late. Consumer Reporting Agencies have assumed a vital role and have responsibility to report consumer information to best of their ability with maximum accuracy. I have never been late on for my XXXX account ( account # XXXX ). Please investigate and provide proof with statements showing that my payment was late. If proof can't be provided I demand these payments be updated to on time as I was never late. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 USC 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 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than 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 or 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I was held at XXXX point and robbed of my purse which contained my debit card passwords and my phone I immediately reported this to police since I had no money it took me awhile to get a new phone and in that time XXXX was taken from me and spent using my debit card on various things I disputed this as soon as I found out and was denied getting my money back Im currently XXXX XXXX XXXX  and I was saving for a apartment this set me back months and I dont know what to do because the bank denied me in less than 2 days of investigating my claim please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint regarding my credit report showing fraudulent inquiries. I never authorized any inquiries. See attached documents for inquiries that are caused of fraud.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.

In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RESURGENT RECEIVABLES LLC how was this verified i didn't give them written consent. 
18 USC 8 tells us ALL obligations are for the UNITED STATES, not the natural person. 28 usc 3002 ( 15 ) tells us the UNITED STATES is a federal corporation under the Judiciary Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: ME
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: Was not notified of investigation status or results

Complaint:
I saw inaccurate information on my credit report. XXXX XXXX XXXX is showing a late payment remark. I was never late on this account. I always pay my obligations on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX XXXX CFPB The Office of the Comptroller of the Currency has directed me to send this complaint to the CFPB. 
The original complaint was sent to the OCC around XX/XX/XXXX by the Delaware Office of the State Banking Commission. 

The complaints are regarding the JPMorgan Chase credit card service division CCSD ), whereby, numerous letters were to me commencing around XXXX of XXXX, initially 13 and a total of approximately 50 ( one such example is attached ) In those letters, they state, They are unable to fulfill the request, o without providing any detail as to the issue involved AND They closed the undisclosed issue. 

Any inquiry made to Chase iswas sent by way of their online messaging system ( XXXX ) so it would appear that there is a lack of communication between both units In addition, when, or if, Chase replies and it should be noted that numerous letters are sent to their executive offices, no one appears focused properly on an issue, and replies, if any, by making, erroneous statements commingling unrelated matters Improper references and/or dates thereby confusing everything with everyone, and probably themselves I also need to point out that within the last week or so, Chase has resumed sending those types of letters ( 3 to Date ) on inquireies again involving theri online messaging system ( XXXX, with the same comments. 

I have asked the OCC to send all their documentation in their possession to the CFPB.

Please review this and provide a control # I await a response.

Thank you Cc : OCC Additional documentation is available, it is voluminous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In late XX/XX/XXXX    I bought a XXXX $ engine for my Younger brother I bought this engine from a company named XXXX XXXX, not only did they not send me the right engine was fraudulent it did not work After offering me money multiple times to keep it and having three different mechanics write him papers about how bad this engine is I told him I do not want this engine whatsoever. 

The company then sent me a shipping information mind The owner told me that he can no longer message me through the XXXX XXXX and he made his own XXXX return email impersonating XXXX ALSO changed his company name backwards with 3 more XXXX  and 3 more XXXX  to the name, which XXXX fully acknowledges then through XXXX with the name the address and the tag to use because they work with XXXX all the time I followed the instructions just as he said. 

The company then blocked my number my messages where not going through and he was not answering my emails. 

At this time I would like to note that I lost my home and my vehicle in the hurricane that hit XXXX XXXX XXXX The bank 's where closed for weeks the roads the stores the whole 10 yards I went to Wells Fargo a week after the opened while Florida was still in a state of emergency ( XXXX has acknowledged this whole thing and has this written on file and talked to the first banker at Wells Fargo Who I wrote a fraudulent claim with because I was not within the XXXX 30 day moneyback, but they fully acknowledged what this user did ) I am now here because yesterday On XX/XX/XXXX after paying bills and my Wells Fargo account was very low Wells Fargo reversed the whole XXXX $ Putting me XXXX in debt and I had to call them for a lady to swiftly tell me that I was 2 to 3 days off the deadline to submit my fraud report and they have to take the money and hung up when I asked for the manger! I called back and Im still waiting for a manager to call me back they said they would I am now being charged for late fees this is completely unjust this is completely unfair I screwed nobody over I followed directions The original owner got his engine back and I paid for the shipping to I went to Wells Fargo as quick as I could I can not afford a loss like this in a time like this I did nothing illegal I followed the law and got screwed over. 

This company is located in XXXX XXXX New Mexico they are actually very good friends and only a mile away from the nearest XXXXXXXX XXXX company as I talk to them and they well known for doing things like this as I come to find out I have all the screenshots I have all the paperwork I have reviews from other people talking about the same thing

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 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is a new card, the card was never activated by my authority, and should not have ever been. A charge was placed by XXXX for a {$7.00} membership fee that I never agreed to or signed up for. I contacted Capitol One to advise of this and ask to dispute the charge several weeks ago. This dispute, after being on phone for some time was never initiated or a record was not even kept of this part of the call. There is a record that I did call in and ask about doing so, however card # is XXXX. I do not feel I should have to ash for same assistance and have to keep up on what was promised and keep requesting over and over. 
If this is happening to me how many others are being abused like this as well?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
Miss-information present on my Experian credit report regarding all my student loans with XXXX. 

It is stating " Payment Deferred '', showing on XXXX different Student Loans managed through XXXX  " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The is an account on my credit XXXX XXXX and it was closed now they have reopened it. I would like it removed from my trans union 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I'm filing this complaint with the CFPB against Hunter Warfield , Inc. because they have failed a requirement in the Fair Debt Collection Practices Act ( FDCPA ) sending me written notice containing 1. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 2. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 3. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I received the initial communication via email on XX/XX/2022, which I have attached and labeled as Exhibit A. These failed requirements were not included in the initial communication by Hunter Warfield , Inc. which they are required to be ( 15 USC 1692g ( a ) ). Although, Hunter Warfield , Inc. failed their requirement, I thankfully knew and asserted my rights, and asked for validation of debt, which I have attached and labeled as Exhibit B. I mailed this letter on XX/XX/2022 and it was received by Hunter Warfield , Inc. on XX/XX/2022. I sent the letter via certified mail with return receipt, which I received back not properly filled out with a name of who received it, which I have attached and labeled as Exhibit C. On XX/XX/2022, Hunter Warfield , Inc. sent me an encrypted message stating that they enclosed a validation of debt. Upon further inspection, they didn't include a trilateral agreement that I had requested them to provide that I am obligated to pay their company. They only provided a 'Statement of Account ', 'Apartment Lease Contract ' , & 'Signature Details ' which states that I owe an alleged debt to XXXX XXXX, which I have attached and labeled as Exhibit D. I sent Hunter Warfield, Inc. an Opportunity to Cure letter on XX/XX/2022, which I have attached and labeled as Exhibit E. Hunter Warfield , Inc failed to provide a trilateral contract with my signature, or anything else proving that I am legally obligated to pay this company. Hunter Warfield , Inc. received my letter on XX/XX/2022 via tracking and return receipt, which is attached and labeled as Exhibit F. Once Hunter Warfield , Inc. received my letter, they did not respond back. Now, on XX/XX/2022, I found that Hunter Warfield, Inc. is trying to collect without verification of debt, which they have not provided by debt parking this account on my consumer file.

Company response to consumer: Closed with explanation