BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2021-04-16
Company: Smart Money Alliance
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I entered the Smart Money Alliance XX/XX/XXXX. A week later I was assigned a mentor a week later charged XXXX  dollars on a free program. Then hit with a non compliance law suit for XXXX Called the company with zero response When the document stated call within 24 hrs ... .called and called. They replied via email stating they were going to proceed with a small claims court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
New information regarding complaint number XXXXMy name is XXXX and I am submitting this complaint myself. I received a letter from Equifax dated XX/XX/XXXX confirmation number XXXX regarding the inquiries listed. I, XXXX XXXX XXXX a consumer DEMANDS that Equifax remove these inquiries from my credit report and file IMMEDIATELY as they are a violation of my rights as a Federally Protected Consumer under title 15 chapter 41.USC 15a ( 2 ) ( b ). Also if I did not give Equifax to consent verbal or written consent Equifax is committing fraud which is under 18 USC 1028A. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I REQUEST WELLFARGO BANK REMOVE XXXX OLD ACCOUNT WITH THEM, THESE ACCOUNT ARE CLOSED HAS BEEN WRITTTEN OFF EVERY OTHER WEEK THE COMPANY INSIST DOING A MAINTANCE SERVICE TO REVEIW MY CREDIT SCORE FROM MY CREDIT REPORT AND THEY DELIBERATELY DISCREDIT MY CREDENTIALS IF THEIRS ANY POSITIVE CHANGES TO MY PERSONAL REVIEW WITH OTHER CREDITORS.HOWEVER- I APPLY FOR A LINE OF CREDIT WELLSFARGO BANK PRODUCE A NEGATIVE INQUIRE TWO ALL CREDIT BUREAU WHICH IS PASS STATUE LIMITATION XXXX OR XXXX YEAR MARKER. NOTE : EACH TIME MY CREDIT SCORE IMPROVE BY A MARGIN OR PAYING OFF A DEBT -WELLSFARGO DOES A MAINTANCE INQUIER TO DISCREDIT MY DATA ETC. PLEASE NOTE I WA S XXXX TWICE TWO SEPARTE YEARS AND ITS IS WELL DOCUMENTED AND OUT OF WORK WELLFARGO DIDNT DESIRE TO COMPROMISE SMALL PAYMENTS AT ALL AND I REPORTED THIS INFORMATION TO THEM AND TRIED TO MANAGE REASONABLE PAYMENTS AND I WAS DENIED.THAT SAID .... THIS IS NOT RIGHT FOR THEM TO HARRASS MY CREDT SCORE AND BELITTLE MY PERSONAL DATA BY CONTIUE TO EXPOSE A CLOSE ACCOUNT JUST TO SIMULTANEOUSLY PUNISH OR REMIND ME OF A PASS HISTORY OF SLOW-PAYMENT DUE TO MY ILLNESS ETC.PLEASE HELP. TODAY DATE XXXX XXXX ; XXXX XXXX CST. PLEASE EXCUSE THE GRAMMAR. CONTACT MY VIA XXXX XXXX OR 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 2022-12-12
Company: Experian Information Solutions 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:
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

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 2022-09-28
Company: Upgrade, Inc.
State: CA
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 rewards from credit card

Complaint:
I had an account with Upgrade that paid money in XXXX. I asked for a refund. The took the money out of the account, but never paid it. I have repeatedly been promised payment for 30 days. All promises no performance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the fair credit reporting act government account # XXXX has violated my rights 15 usc1681section 602 A section 2 it also states in Have right to privacy 15usc 1681sectiion 604 A section 2 also states a consumer reporting agency can not furnish an 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 fee 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 explanation
Consumer complaint received 2022-12-12
Company: Grain Technology, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, Was finally able to access my account through Grains app, although it kept disconnecting from the connection to my bank account. XXXX problem is that every time the connection to the bank account disconnects, the app wont let you do anything. Same issue as before but thankfully this time was able to stay connected long enough to make a payment. 

Grain states due date is on XX/XX/XXXX. I had autopay turned on but never received any notification that my payment was scheduled. I scheduled the payment on XX/XX/XXXX and suddenly got an email my account was still past due. 

This has been confusing because if I cant access the app then I cant access the statement that Im supposedly receiving every month. I got another email that my due date is XX/XX/XXXX so I should have been on time and should not have gotten a late fee charged and also gotten a late payment mark on my credit report. 

Grain please fix this, this is the second time this has happened and the excuse I keep getting is that I should have gotten a statement through the app, but how does that help the customer if the customer cant access the app?! And also if the customer keeps getting incorrect email information!!! XXXX attach another screenshot of another email from Grain stating the wrong information. Ive never had payment issues with any other bank/credit card other than Grain!! My only negative mark on my credit report. 

Please review the screenshots included. Last time they were just brushed off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: PENTAGON FEDERAL CREDIT UNION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I cant view statements or make payments on my account because they have blocked my access to the website I have contacted them on several occasions no one seems to know why my access is blocked I have taking the steps provided but I'm still blocked from entering the website to view statements or make payments. 
The only way i know any info about the account was through a consumer reporting agency which is reporting a very high balance than what i last known it to be the last time i was able to access my account online.

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 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN
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:
Nature of complaint : We have LATE PAYMENTS from Community Loan Servicing showing up on our credit reports from XX/XX/XXXX to XX/XX/XXXX that should NOT be on there. We spoke to community loan servicing 6 months ago after disputing the late payments reported on both mine and my husband 's accounts. We received a letter in the mail ( after disputing with credit bureaus ) that they ( Community Loan Servicing- formerly Bayview Loan Servicing ) would be " removing all negative information '' ( letter is attached ). They agreed negative information would be deleted, however, the credit agencies refuse to update it. This is a HUGE deal for us as we are in the middle of a very important mortgage for our family and we are at risk of not qualifying because of this inaccurate info. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : 1.XXXX XXXX : XXXX 2. XXXX XXXX XXXX  : XXXX 3.Drpt of Ed : XXXX 4.XXXX  XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX : XXXX 6.XXXX-XXXX XXXX  XXXX 7.dept of Ed/XXXX  : XXXX 8.dept of EdXXXX XXXX : XXXX 9.XXXX  XXXX : XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX 11.XXXX XXXX  : XXXX 12.XXXX XXXX  : XXXX 13. XXXX  XXXX  : XXXX 14.XXXX  XXXX  : XXXX 15. XXXX XXXX  : XXXX 16.depted XXXX  : XXXX 17.XXXX XXXX XXXX  : XXXX 18.XXXX  XXXX  : XXXX 19. XXXX  XXXX : XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).

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 2022-08-01
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of ID theft, my wallet and luggage was stolen from my car on my way to the airport, my passport, ID and ss card was compromised and I filed a police report that has a ongoing investigation with XXXX XXXX division, I also recently filed another police report for the fraud accounts that are showing up on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: FIRST HOME MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is our second complaint because First Home Mortgage refuses to cooperate with us and the Virginia Mortgage Relief Program to receive payment to save our home. This is an extremely time sensitive matter and the funds are available and waiting, we are very confused as to why they wont accept the funds and get this matter situated and why it is taking them as long as it is to handle this matter. It is urgent and we do not want to lose our home. We have been told there is a different servicer on the phone but our statements do not reflect that and no one is telling me any different. We have done conference calls with the program and our mortgage company and we are still getting the run around. At this point it feels discriminatory against us for bein low income and we will pursue that if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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 XXXX 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 explanation
Consumer complaint received 2022-12-12
Company: WELLS FARGO & COMPANY
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 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.

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 2022-08-23
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 a transaction was disputed and returned to my account on XX/XX/2022. However the refund has not been refunded through Chime. I contacted Chime only to be snuffed. I was transfer between five departments, I verified my identity XXXX times, and was on hold for over 30 minutes. I was then told by a supervisor that she could not verify my identity. Chime bank customer support is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: AZ
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 Account # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # XXXX has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also stats a consumer reporting agency can not furnish an 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 2022-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Identity theft reference number 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 2022-12-12
Company: Experian Information Solutions Inc.
State: LA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-08-03
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First Bank send a letter stateting that I have a over draft account by XXXX cents and that I should go to the branch and paid the amount before five days so I don't get charge for extra. I went to the XXXX XXXX XXXX Branch to make my deposit and close the account and they did not let me because the accout was inactive. I told tha manager that the account was inactive for many years as it was form another bank ( Santander ) that merger with First Bank on this year. I told the Branch manager that all I want is to paid the over draft amount and close the account, but she did not help me and said to me that I have to wait for somebody to re-activate the account and paid any other bank charger. I told her that is unacceptable as I never open a account with this bank and that I will only paid the over draft even due I don't accept it as I left the account from Santarder in good standing many years ago. Still she never gave any support on my arguments and never offer a wait to finalize this XXXX situation. First Bank must teach there employee to manage this type of situation. Very bad experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got sublease scam. 
I sent XXXX dollars to guy named XXXX XXXX, sublessor, as a deposit on XX/XX/XXXX and another XXXX dollars to XXXX XXXX, landlord/agent, in 2 differnet transactions as a 1 month rent through Zelle. I sen XXXX dollars first on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX. So total of XXXX dollars. 

I reported to XXXX XXXX  and they said they will file a report and investigate but chance of getting money back is very low. 
Zelle says there is nothing they can help with it, so just contact my bank.

Company response to consumer: Closed with explanation