BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I called XXXX, TransUnion and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # (  XXXX ) but XXXX, TransUnion and XXXX  still refuse to update the information. XXXX, TransUnion and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, TransUnion and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, TransUnion and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

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 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Guidance Alum LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
A company called me with information about my loan and said they can help get my loan paid off. They had all of my information already. The name of the school is Guidance Alum.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a check for $ XXXX XX/XX/23 that cleared and showed cleared in my Wells Fargo checking account. Then without notice of any kind Wells Fargo pulled it all out of my account leaving me with no money and no solution. I called the customer service number and tried speaking with management but got no help. I spoke with XXXX XXXX and he had no explanation or help whatsoever. Now, I have bills coming out of my account with no money. They said it will be 10 days waiting for my money! Please help me and my family. Thank 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 explanation
Consumer complaint received 2021-10-19
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & weiner has been deleted and they recently sold it to a debt buyerand a charge off does not supposed to have a balance and its showing one please delete this immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: SUNCOAST CREDIT UNION
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:
On XX/XX/2021 and XX/XX/2021 there were charges made on my account with suncoast credit union made by XXXX - XXXX XXXX for both transactions the total amount was {$9000.00}. I did not authorize these transactions I filed a dispute and Suncoast credit union sent me a letter on XX/XX/XXXX stating they were going to do a good faith collection of the charges from the merchant instead of following through with the dispute and getting me my money back. I waited about 25 days and called the bank and they said there was no communication with the merchant. Then when 30 days came around they said the documents that were sent to them were invalid. Now they gave them 5 days to respond which I am unsure when the merchant responded but it must have been after the 5 days were up because I called the bank and they said there was no communication. Now the bank has sent me the document that made them come to a decision and I can not open the document up. I did not authorize these charges and some one must have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
Experian still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that Experian as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately.

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 2023-10-03
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
Today, I am writing this complaint to TRANSWORLD SYSTEM INC regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a WSFS checking account for my taxes when I opened it. But the person doing my taxes did something else with my information my account was frozen money was put in & took out of my account they said they put it in as a compromised account. But now its on my credit as a closed account

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 2021-10-19
Company: AMERICAN EXPRESS COMPANY
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021. Ordered an airline ticket from the American Express app. The app crashed right during confirmation. Email confirmation was not sent for several hours. I was flying out the next day or shortly there of. So I ordered a second ticket since I didn't receive confirmation and the app crashed. I called Amex several times the next day and impending weeks. They gave me the run around and did nothing. So I finally disputed in writing to make a record. They dragged their heels and took 2 months to research their own system since I purchased in their app. They denied without addressing the issue of the app crashing or the dozen call I attempted to rectify before flight and in the weeks after. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Acting upon an email flyer to apply for a HELOC or HE Loan from Capital One ( I have a small savings account with them from the days when ING Direct was bought by them ), I applied. It has been almost a year since I had refinanced my XXXX mortgage and HELOC into a single mortgage with XXXX XXXX, and I was seeking to tap some of the equity in house and property appreciation and payments made to cover some upcoming expenses and some minor but needed house maintenance. I live in an area that appreciates well and am not a serial refinancer, so I asked for $ XXXX, which would take me up to what I thought would be 80 % LTV though I was okay with a somewhat smaller number if the appraisal did n't match up with my own research. ( This research said my best value would be $ XXXX. ) I earn $ XXXX per year and have a FICO score in the low-to-mid XXXX, so I thought this would work out to a useful conclusion with minimal closing costs. 

A few weeks ago, Capital One pulled the plus on its entire mortgage unit, but did not inform applicants until weeks later ( though news releases were done contemporaneously ). Just before this action, the appraiser hired by Capital One came out and came up with an appraisal completely at odds with all of my research ( which included a house down the street that sold 6 months ago and a market study provided me a year ago by a friend who is a real estate broker ), as well as the appraisal done at the beginning of this year by XXXX as part of the refinancing mentioned earlier. And, I do n't mean a less than expected result, but a result that was SIGNIFICANTLY less than any of these other data points. I complained, and sent in these other data points, but was told that the shutdown meant that no more appraisals would be done. As of today, they have turned down the loan, even though the mortgage specialist to whom I was talking assured me repeatedly that this would not happen and that all applications already in the pipeline would be fully processed out. 

It is apparent to me now that the appraisal, which is WELL outside the bounds of what could be expected, was engineered to support this result. So, I expect that many - if not all - applicants already in the Capital One pipeline can be denied to go along with the closure of the unit. It already has been very difficult to get ahold of folks at the call center, which I 'm sure is already being disbanded, so there is no point in seeking further relief from Capital One. Hence, I 'm filing this complaint, and trying elsewhere. 

The Mortgage Specialist was XXXX XXXX at XXXXXXXXXXXX and XXXX ext XXXX and fax XXXX. Here NMLS # is XXXX. The Appraiser is XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am taking action against the US Department of Education on an acct ending in XXXX and an acct ending in XXXX for incorrect information reported to my credit report since XX/XX/2019. Despite several attempts to dispute this since then, I have yet to receive any resolution. This has caused me to suffer financially, as I have been denied credit, charged a higher interest rate, and prevented from buying a home. I have also attempted to dispute this with the three major credit bureaus, TransUnion, XXXX, and 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$6400.00}.

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 2020-06-15
Company: Source Receivables Management LLC
State: NY
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:
I paid off a XXXX  account with sources receivable management in XXXX, they have not reported my accounts since XX/XX/2020. Called four times still no response as to when they are going to report accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX  XXXX/XXXX/2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XX/XX/2022 XXXX XXXX/XXXX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX/XXXX/2022

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 2023-01-20
Company: Experian Information Solutions Inc.
State: PA
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 XXXXccount # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 602 A Section 2 : It also states 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
All negative and non beneficial marks on my credit report are illegal so all of the negatives on my report should be removed I shouldn't have to give examples you know all of the negatives because you are the company conveying my personal information without my consent according to USC 15 1681 B take them down in a timely manner or I will pursue legally

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