BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
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:
My business debit card attached to our business checking account, was illegally used, hacked!!! On the morning of XX/XX/XXXX I woke for work approx XXXX to find 2 emails from Wells Fargo. The first was an email at XX/XX/XXXX at XXXX ( the night before ) *Wells Fargo Fraud Detection XXXX unusual activity, the transaction was declined. The 2nd email at XXXX subject line Your Business Account has reached XXXX dollars. I immediately looked at my account and saw that someone had hacked my debit card and wiped out our business account. I immediately called to report the fraud and ask why they didnt decline all of the back to back charges, not just one. The lady filed the claim inquiry, canceled the debit card, issued a new one and said they would clear it up. All funds were reimbursed except for the largest at {$3200.00} to XXXX XXXX I received an email on XX/XX/XXXX that my order shipped from XXXX. I immediately responded that I had reported fraud on that card and to cancel that order ( emails attached ) XXXX responded, acknowledged the email statingwe are doing an investigation, our bank is going to start working on this ASAP. You are going to receive a resolution as well through your bank, usually around 7-10 business days. meanwhile, we received provisional credit to continue to run our business and make payroll. After searching my emails, I found several other emails in my all mail, spam folder from XXXX. One from XX/XX/XXXX at XXXX stating XXXX XXXX did you forget something? left something in your shopping cart to another at XXXXXXXX XXXX  Order Confirmation # XXXX As I had already reported this fraud to Wells Fargo and XXXX XXXX I fully expected that it would be handled. Have never received any product, never heard back from Wells Fargo or XXXX until yesterday XX/XX/XXXX when I received a letter in the mail from Wells Fargo ( attached ) stating we found the charges were made by you or someone who had your permission. The {$3200.00} temporarily credited to your account ending in XXXX will be reversed 10 business days from the date of this letter on XX/XX/XXXX. Please consider your claim closed. We are beyond stressed by this whole mess and are trying to run a small XXXX  business that WOULD NOT and DID NOT purchase these XXXX  items and NEVER RECEIVED anything from this company. It must be resolved!!!

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 2022-03-01
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

I have been disputing XXXX XXXX XXXX XXXXXXXX/XXXX XXXX inaccuracies on my credit report for the last year as XX/XX/XXXX Nelnet and XXXX XXXX no longer service Student loans. 

XXXX XXXX XXXX XXXX/XXXX XXXX  has been reporting as a Duplicate account to Nelnet Both accounts have the same account OPEN date XXXX XXXX, XXXX. 

NELNET is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from ALL STUDENT LOAN thats reporting {$64000.00} This account is not showing Disputed on my credit profile. 
This account is showing OPEN on XXXX and Closed on XXXX This account is showing Transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
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:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Dispute held on XX/XX/XXXX and escalated on XX/XX/XXXX under the number XXXX. 

I hope this letter finds you well. I am writing to formally lodge a complaint regarding a dispute I filed on XX/XX/XXXX regarding my credit report. As of the date of this letter, more than 30 calendar days have passed without receiving any response from the credit reporting agency, and I have been repeatedly transferred to supervisors and the internal affairs department without obtaining a satisfactory resolution. 

The lack of response and constant transfer to different departments without a clear and definitive solution has caused great annoyance and frustration in my situation. Every time I contact the credit reporting agency, the agents and supervisors provide contradictory information and my case is not handled appropriately. 

The Fair Credit Reporting Act ( FCRA ) clearly states that credit reporting agencies have an obligation to investigate and resolve consumer disputes within a reasonable timeframe, which in this case is 30 calendar days. However, the credit reporting agency has exceeded this timeframe without providing a proper response or resolution. 

This lack of action and delay in resolving my dispute is having a significant impact on my life both economically and personally. My ability to obtain credit, loans, and other financial services has been negatively affected due to the lack of response and the incorrect mixing of information in my credit report. 

Furthermore, the inconsistency in the information provided by the credit reporting agency 's agents and supervisors has generated further confusion and has made it difficult to resolve my case. This lack of professionalism and compliance with the deadlines established by the FCRA is unacceptable and has led me to consider taking legal action to protect my consumer rights. 

I request your intervention and assistance in resolving this dispute in a timely and appropriate manner. Additionally, I urge you to take necessary measures to ensure that the credit reporting agency complies with their legal obligations as outlined in the FCRA and that appropriate corrective actions are taken. 

Attached to this letter, you will find copies of all relevant documents related to my dispute, including correspondence with the credit reporting agency and any other pertinent documentation. 

I appreciate your prompt attention to this matter and look forward to receiving a satisfactory response within a reasonable timeframe. I trust that your intervention will help resolve this situation and ensure that necessary measures are taken to protect my consumer rights. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is XXXX XXXX account # XXXX. On XXXX and XXXX XX/XX/XXXX ; I deposited XXXX bank drafts online in the total amount of ( XXXX USD ) which was given by my real brother namely XXXX XXXX XXXX XXXX 

Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$3000.00} On XXXX XX/XX/XXXX I went to the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX to withdraw my funds. I came to know that bank put a hold on my account due to suspicious activity which could be a potential fraud. I told the bank XXXX that my brother gave me those bank drafts because he borrowed XXXX USD from me a month ago and I issued XXXX cheques of XXXX each from the same account I deposited back. Cheque # XXXX, XXXX, XXXX The bank XXXX contacted customer service to resolve the issue. Then the compliance told me that my account has been closed due to that potential fraud. The only solution is that my brother should come to any chase bank branch to verify that he has issued those bank drafts. 
Unfortunately, my brother is not a XXXX Citizen yet and he needs XXXX XXXX   to visit the XXXX. He applied for XXXX XXXX  and the interview date was set for XXXX XX/XX/XXXX. But due to some reason, his file is still in process and he couldn't get the visa to date. 
I provided all the required documents through Fax ( from XXXX XXXX  ) to the Chase Bank compliance department to resolve this issue. It is understood and very clear that when the funds were released by the bank that issued the bank drafts and never got any complaint about those funds then that transaction can't be a potential fraud. Chase Bank have the funds for almost a year and is not releasing the funds. My brother is unable to visit USA so there should be another legal way to get his verification or affidavit through an attorney or lawyer in XXXX who can act on behalf of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am unable to connect to the TransUnion website to view or Dispute. 
Neither will TransUnion Consumer Files download on XXXX I think due to their willful non compliance Deleting my 2 unauthorized fraudulent identity theft Student loans accounts they are removing my ability to dispute directly

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have sent several documents highlight the inaccuracies on my accounts and the company has failed to fix these inaccuracies and it is effecting my credit score in a negative manner causing me hardship and hindering me from completing the final step of getting my home loan. I demand that all inaccuracies are REMOVED 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: AR
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 have sent several documents highlight the inaccuracies on my accounts and the company has failed to fix these inaccuracies and it is effecting my credit score in a negative manner causing me hardship and hindering me from completing the final step of getting my home loan. I demand that all inaccuracies are REMOVED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: SANDY SPRING BANCORP, INC.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I recently acquired a construction loan from Sandy Spring Bank. I have had two issues with them. 

1. My closing date was XX/XX/XXXX and they didn't provide my closing disclosure until XX/XX/XXXX. The CFPB requires lenders to give borrowers three business days to thoroughly review the Closing Disclosure. I was given less than one business day.

2. For my payment due XX/XX/XXXX, Sandy Spring Bank has inexplicably raised my monthly payment. My closing disclosure clearly states my monthly payment for the first year of my loan ; they are reporting that I owe {$700.00} more than what's stated on my closing disclosure. When I reached out to Sandy Spring, I was told that it was due to funding draw on the construction loan, but they offered no further explanation or calculation. 

I am uploading an email fromXX/XX/XXXX when they sent my CD, a copy of my signed CD dated XX/XX/XXXX, and a PDF from the Sandy Spring website showing my XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
To whom this may concern, I have asked XXXX and Transition to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 a victim of identity theft and have seen items on my credit report that is not mine with XXXX XXXX XXXX and XXXX XXXX XXXX. i have filed a complaint with FTC for identity theft and need these items to be blocked per 15 usc 1681c-2. they are reporting on all 3 CRA 's i have attached documents below

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 2023-05-23
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:
I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached. I am urging you to take action on these inaccurate and fraudulent accounts 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 non-monetary relief
Consumer complaint received 2023-07-16
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681b - Permissible purposes of consumer reports According to rhe aforementioned law, the information on one s credit report should accurate snd exact Banco popular account XXXX reporting a credit line of XXXX and a charged off amount of XXXX how is that humanly possible. That information is incurate ; you are clearly violating the law and dhould remove this sccount since that debt is no verifyable and it should be deleted inmediately It will be submitted to FCRA as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-06-27
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-04-18
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: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items listed below : XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX  Date of XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is reporting debt from XXXX XXXX without validation or contract tried to have them correct the situation and they are refusing to do so XXXX can not verify the debt and yet its being reported on the 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 2021-01-01
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: Investigation took more than 30 days

Complaint:
It has Been More Than 30 Days Since I Mailed My Disputes To Trans Union, XXXX And XXXX. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.

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 2019-11-07
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2019 {$290.00} place the debt on m credit after I discharged balance on bankruptcy

Company response to consumer: Closed with explanation