BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am complaining through the Bureau because Transunion LLC has not reasonably determined that ( A ) the information was blocked in error or a block was requested by the consumer in error ; I did not write an FTC report in error whatsoever. I noticed fraud on my file and notified Transunion and other Consumer Reporting Agencies, promptly. I have attested to that fact in an affidavit under the penalty and perjury of the law. Can Transunion show me any error they have found, in writing. I request that.

( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ; No misrepresentations, I submitted all pertinent fact relating to the fraud on on my consumer file and have taken appropriate means to block and remove them.

( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Please have a senior representative of any data furnisher that appears on my consumer file attest to the fact that I am in receipt of ANY goods, services or money. Transunion has determined that I may have but has submitted no proof of this ; I am requesting proof and if not provided proceed with my request to remove the fraudulent account from my consumer file ending in XXXX. 

On XX/XX/21 Transunion wrote a letter claiming that they will not process the block but have not given specific reason why not. This is harming my reputation and prohibiting me from extending credit as a consumer.

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 2023-01-14
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:
I have did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount {$430.00} XXXX sent the company a cease & desist. 
This account is not mine. Also, I checked the company licensing on NMLS website and they are not licensed to collect debt in the state of Pennsylvania. 

Lastly this account is not reporting on XXXX or XXXX. ( refer to screenshots to see closed on both accounts via 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 2019-06-22
Company: JPMORGAN CHASE & CO.
State: IL
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:
We purchased XXXX XXXX XXXX using our chase united credit card from XXXX to XXXX XXXX for XX/XX/2019. When we booked the flight, we purchased the XXXX of us seat together sine we do have a XXXX old. 

Upon checking in, we realized our seats were different in fact, our seats are away and our XXXX old daughter will be in a 15hrs flight all by herself with strangers next to her We talked to united check-in agent, was told nothing he can do directed us to speak to gate agent. Got to gate, spoke to two agents there, was told they do not discriminate age. 

Fast forward, we filed a quality dispute for poor services which is part of the dispute choice and process if you are dissatisfied with the services on a purchase that is not agreed upon when purchased After I sent in all document, I got a letter saying, they said they reviewed the information available and found that I either received the services or the merchant made them available to us to use so they consider the charge valid. 

I spoke to two chase agents, they all told me nothing they can do. It doesnt matter if the purchase was not agreed upon, since united airlines made the services available for me to use I can no longer dispute the charge. I asked for a manager to call but they failed to send me a manager when I phoned to them in XX/XX/2019. 

I followed up with two online message to chase, they never responded to my email. I called today, XX/XX/XXXX, finally spoke to a supervisor, however, now she tell me, rather I took the flight or not, the services was available to you even if you refused to use chase can not make united to refund. 

I questioned, why chase.com has an option for quality dispute for poor services if you are not willing to help? She stated just because the info is available online it doesnt mean they can help me. 

I mentioned to chase about the fair credit billing act, the fact the law gives consumer right to dispute a charges in case dissatisfied with an transaction. Her response was, yes chase let you disputed but it doesnt mean you will get your money! 

I guess my question is, do I have a right here to dispute for poor services? I am dissatisfied with a purchase that is not agreed upon, my kid was assigned new seats at check-in for a XXXX flight ... is this acceptable? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were previously at XXXX, but then transferred to Mohela. I sent a message regarding this to Mohela on XX/XX/XXXX, and still have not heard any response. 

In summary, the listed payment due on Mohela XX/XX/XXXX and the billing statement sent to me on XX/XX/XXXX is WRONG. It listed payment due of {$4800.00} - ( which looks like it was calculated based on standard 10 year repayment program ) Even though I am enrolled in XXXX, which then was switched to SAVE. 

I had recertified my income on XX/XX/XXXX while my loans were with XXXX- even though I was not required to recertify from ( XXXX - XXXX ) given federal pause. Meaning I am still in income driven repayment plan and up-to-date with recertification guidelines. And have a documentation from XXXX and US Department of Education that my payments should be {$0.00} based on income, and have upload this document to my Mohela account. Despite this, there has been XXXX communication and updates to my account. 

Mohela needs to update my monthly payment in their system, and not charge any unpaid interest due to SAVE program guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
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:
Submitted my disputes to be reviewed and receive notification that I did not submit. I provided my identification and billing proof. The accounts listed were need proof of validation File 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 2021-04-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TD BANK US HOLDING COMPANY
State: CA
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:
My name is XXXX XXXX and I am writing in regards to a complaint/issue I am having with TD bank USA N.A. 

On XX/XX/XXXX I made a purchase with a kitchen supply company for some kitchenware in the amount of {$9700.00} and was promised a estimated date of arrival on XX/XX/XXXX. After numerous attempts to contact them I was not able to reach anyone. This went on for a few weeks with no luck. I finally decided to call Target card / TD Bank USA and filed a dispute with the card company. TD bank USA stated they would credit back the disputed amount while they investigate the matter. On XX/XX/XXXX I received a mailed letter stating the disputed amount of {$9700.00} has been placed back on my account. Since receiving this letter I have found ways to contact the merchant who charged it and got a hold of someone and they have agreed I have not received my products and that they did inform TD bank USA that I have not received my products. I have contacted TD bank USA numerous times with no luck on getting any calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: WA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-01-14
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:
According to FCRA my rights have been VIOLATED.

15 USC 1681 602a section 4 says I have a right to privacy.

15 USC 604a section 2 says to furnish consumer reports in accord with written instructions of the consumer XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXXl XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 2023-09-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Non eligible telephone number, banker stated that they file claim to get my number eligible so that I can order a new bank card. They told me on several different occasions all different answers on days it would take for them fix issue going on. So Everytime I wait period, then call see if I can order my atm they won't do it. Keep making up excuses reasons why they can't help me .... 

I would like for my atm bank card to be over nighted to my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: MD
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:
Currently a victim of identify theft and requested to have this information be updated on my credit report to reflect I did not make these inquiries or open these accounts on my credit profile. I have no idea who the person is who has my information but I have added a fraud alert to my credit profile and a credit freeze. My credit report also shows my name as XXXX XXXX, my name is not that it is 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 explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: CA
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: Didn't receive services that were advertised

Complaint:
Filed disputes XXXX  years ago something happened to that they deleted my residence off the account to much activity my life is in danger

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: VA
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 Bank XXXX XXXX Account # 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 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 2023-12-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was recently stolen. In an effort to protect myself and my credit, I began making accounts with the three reporting agencies.

When I went to request a freeze and make an account with Experian, someone had already created an account with my information and an Email address that was not mine.

I have tried calling Experian at least 5 times over the past three days. Despite stating that an account was fraudulently created in my name and trying to freeze my report, I get stuck perpetually in an automated line until I am hung up on. 

There is no way to contact or email anyone from Experian. The only option is by mailwhich is too slowor by getting the run around by the automated line. 

They are a completely insecure and untrustworthy organization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXXyncrony bank Sams Club card, the expose my information such as my address, phone number and social security number

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 2023-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
Wells Fargo repossessed my car in XXXX  when I was only 30 days late for fees and current payment. No warning and no help when I called in they said I would have to pay the full loan in full to get the car back.. I called month later to pay in full and they told me too late even thou the car was not sold for 2 more months.. I have been receiving these checks from them the last year apologize for fees accrued ( never cashed any ) and the letter said they were removing the repossession of my credit as paid in full.. I never knew about a lawsuit for this and was not offered compensation from Wells Fargo besides 3 or 4 checks each being between XXXX to XXXX..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Early Warning Services, LLC
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Found a post on XXXX selling XXXX XXXX. It was from a reputable breeder that I had been aware of for several years. I contacted them through XXXX XXXX and we chatted extensively for several days to secure the transaction. On XXXX I sent them XXXX $ to process paperwork transfer of the cat in the XXXX  ( association of cat breeders ). From their name to mine. On XXXX, I sent them {$820.00} to complete the sale and pay for the transportation of the cat from Alabama to Alaska. On the evening of XXXX, not even 4 hours after sending the money, the scammer disappeared from XXXX completely. I could no longer message them, nor reach them with an Audio call. I came up with a phone number for the actual breeder that they were impersonating online from their website, and called there. She answered me back via text that she had no idea who I was. We chatted and I discovered that she had had nothing to do with this sale, did not have the cat in question, and that I had been scammed. She said she was aware of someone impersonating her and using her XXXX certificate from XXXX to do so. She had reported this to XXXX, but they had done nothing. I contacted my bank- where the funds had been transferred via Zelle, and disputed the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation