BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2022-10-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX have tried multiple times for the past 6 months to dispute some inaccurate information on my credit report with all three credit bureaus and none of have tired to help me with my issue and I am getting completely fed up with it because none of the bureaus are being compliant with federal law or even following their own policies written on their website. 

I talked to an attorney and he said that there are certain laws that the credit reporting agencies have to follow in order to be compliant with federal law. He told me that one of the things they must do when an item is disputed on a credit report is that they must temporarily delete it while it is under investigation and ALL THREE bureaus failed to do that! Not once has anything disputed been deleted during the investigation. Also he said that they must have my permission to report or furnish anything that is on my report, and I never once gave any of the bureaus any permission to report any of the items I have disputed over the past 6 months. In fact I blatantly told them to delete the information. The attorney said the section of federal law that describes this is called permissible purpose He also stated that in order for them to do a proper investigation to my didputes they must inverview my friends neighbors and relatives and well as my mode of living. I asked all of my neighbors if anyone has had any contact with them in regards to my credit report and none of them have heard a thing! 

I was unable to hire the attorney but he did lead me to you the CFPB to help me out with my issues, so I ask that you please help me enforce my rights as a federally protected consumer and as well as to make sure and enforced that the credit bureaus are following federal law as well as their own policies that they have on their own website.

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 2022-04-21
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Returned lease XXXX BMW XXXX XXXX XX/XX/XXXX. I had to sign for returning the vehicle. I was not shown the inspection results. I signed and expected to pay only extra mileage and a return fee. 

I was told I didn't need to pay now. I would receive a bill from BMW. 

A few weeks later I received a bill of XXXX for wear and tear, tires, damage, mileage, and return fee. 

The tires were within the limits, the wear and tear were within limits and the damage was within the circle. 

I do not owe what they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: LA
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a Wells Fargo Everyday Checking balance sheet, dated XX/XX/2022 I immediately contacted the company via phone number and asked for the fraud department. I told the CSR that I never opened a checking or savings account with Wells Fargo. Apparently, someone wanted to send a bill payment of {$1400.00} to an address in XXXX 
They assured me they would close the accounts and mail me any funds in the account. 
I received another letter dated XX/XX/2022, that after reviewing my account they chose to close it. I asked what happened to the {$1400.00} in a savings account that ended in XXXX? I was transferred to the fraud investigation department and spoke to a CSR named XXXX, who told me that this checking and savings account was set up online using my info, but the {$1400.00} which came from the IRS, so I assumed it was a Federal stimulus check, He confirmed that it was. I asked him where funds were sent, and after further consultation with his superior, he told me, yes, it was a stimulus check, but it had a different name on the direct deposit and was mistakenly deposited in my account. He advised me that funds were sent back to the IRS. When I asked for more info since I had already received my stimulus to my correct bank and I didn't want to be fined by the government. He then advised me that he didn't have anymore info regarding this account. Checking # 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 2022-10-26
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX have tried multiple times for the past 6 months to dispute some inaccurate information on my credit report with all three credit bureaus and none of have tired to help me with my issue and I am getting completely fed up with it because none of the bureaus are being compliant with federal law or even following their own policies written on their website. 

I talked to an attorney and he said that there are certain laws that the credit reporting agencies have to follow in order to be compliant with federal law. He told me that one of the things they must do when an item is disputed on a credit report is that they must temporarily delete it while it is under investigation and ALL THREE bureaus failed to do that! Not once has anything disputed been deleted during the investigation. Also he said that they must have my permission to report or furnish anything that is on my report, and I never once gave any of the bureaus any permission to report any of the items I have disputed over the past 6 months. In fact I blatantly told them to delete the information. The attorney said the section of federal law that describes this is called permissible purpose He also stated that in order for them to do a proper investigation to my didputes they must inverview my friends neighbors and relatives and well as my mode of living. I asked all of my neighbors if anyone has had any contact with them in regards to my credit report and none of them have heard a thing! 

I was unable to hire the attorney but he did lead me to you the CFPB to help me out with my issues, so I ask that you please help me enforce my rights as a federally protected consumer and as well as to make sure and enforced that the credit bureaus are following federal law as well as their own policies that they have on their own website.

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 2019-07-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
OnXX/XX/2019,IplacedasecurityfreezeonmyfilewithXXXXXXXXXXXX.

OnXX/XX/2019,IsentEquifaxacertifiedletterrequestingverifiableprooftheyhaveonfileregardingthebankruptcies.

OnXX/XX/2019,IsentUSBankruptcycourtacertifiedletterseekinginformationonhowtheyreporttocreditreportingagencies.

OnXX/XX/2019,IreceivedaletterfromUSBankruptcycourtstatingbankruptcycourtdoesNOTperformanyactivitieswiththecreditbureaus.

OnXX/XX/2019,IreceivedacopyofEquifaxinvestigationreport.Equifaxstatedtheinformation,Idisputedwasverifiedthatthepublicrecorditemisreportingcorrectly.

Equifaxobtainedinformationfromlocal,stateandfederalcourtsthroughathird-partyvendor,XXXX.

AlsoEquifaxlistedabirthdaywhichisnotmine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 I received XXXX ( Worth then {$18.00} ) of XXXX XXXX ( XLM ) on an airdrop from the XXXX app. My friend sent me XXXX more XXXX as a gift to help me start investing in cryptocurrency. I then sent XXXX XXXX to my digital wallet on Coinbase. 

After XXXX weeks I noticed I didn't receive anything and contacted Coinbase support. This began a cycle of them shutting down my support question when it was unresolved or telling me I had to send them more XXXX  to verify when they lost my initial deposit in the first place with vague instructions. I tried to get live support but they kept sending scripted messages with either the issue was resolved or send another transaction. 

I have included screenshots below with the XXXX transaction and messages from support. XXXX mail deletes anything longer than XXXX  days so my earliest email shows XXXX but I have tried to contact them since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
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:
Informed XXXX XXXX XXXX XXXX XXXX XXXX that account was created due to identity thamedt but XXXX XXXX XXXX XXXX is stillattempting to collect debt and continuing to report Inaccurateinformation on my consumer report. I sent them police reportand identity theft affidavits still no resolution. Debt was never legally verified by 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 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
I downloaded my credit report and asked transunion to check the completeness and accuracy of the accounts below in accordance to 15 USC 1681i ( 5 ). Transunion has tried use stall tactics despite my many attempts to solve this issue. 


XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX I have waited 30 days and they still havent updated or removed the accounts from my report in order to ensure that my credit report is complete with the correct information. 

The date open is not correct, date last active, date of last payment, account numbers, date of last payment and balances are not correc on all XXXX credit reports and they even failed to update the account status to in dispute which is a clear violation of the fcra. 

These violations has caused me financial hardship. It has cost me job opportunities and even gotten me denied for a home loan. 

I have attached my previous credit report and new report that I just downloaded to show how transunion has violated my right. I have also attached multiple complaints spanning over a year that they have failed to fix.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: NY
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-21
Company: Experian Information Solutions 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 obtained a mortgage with a company called XXXX mortgage. My first payment was due on XXXX XXXX .I paid it on XX/XX/2017. 
I made every payment on time and even send XXXX payments per month for about 6 months. The company changed names to XXXX, then XXXX XXXX, then XXXX. They reported to the credit Agencies that I was late numerous times. XXXX fixed this and so did XXXX. Experian also said my first payment was due on XX/XX/XXXX. I gave the Experian every bank statement that showed I was never late and also the copy of the mortgage that says it was due XX/XX/2017. Experian said the mortgage company wouldn't accept this. I do not understand how this can continue. I have since gotten a Heloc from a credit union that paid off the balance of the mortgage. Experian still shows it as unpaid. I have been dealing with this for 5 years and need help with this issue. Please help me!

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 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 tried opening an account with XXXXXXXX XXXX  and while opening it, they restricted my account before i could use it at all. I called to see what the issues were and they transferred me to XXXX XXXX XXXX so i could find out what's going on and what's the reason for this to be happening. XXXX XXXX XXXX sent me a disclosure on the reason why I've been restricted to my account and as i look at the report I'm very furious, upset, and mortified at such thing I've been a victim of fraud and identity theft i don't recall opening that many accounts and I would never do such a thing. The account that i don't recall opening that's showing on my report are BANK OF AMERICA, XXXX XXXX, BANK OF AMERICA GEORGIA, XXXX XXXX XXXX, and. Now I'm stuck with this outrageous problem that will probably cause me some trouble in the future. Could you guys please give me a call back at ( XXXX ) XXXX please and thank you because i really need to get this mess resolved 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 2023-05-10
Company: Amsher Collection Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good afternoon, About 2 years ago I had phone service with XXXX. When I signed up for the service I received a new phone. I specifically asked if there were any contracts or cost for the phone. She said no, the phones were free as part of the current promotion & the service was month to month. I signed up for 2 lines, one for me & one for my husband. My husband does not use anything but a flip phone so I paid for a flip phone for him. Everything was good for awhile until a monthly bill arrived with a new phone for over {$300.00} on it. I called them to find out what that charge was & she said " you bought a new phone ''. I told her that I had not purchased any new phone as I got a new phone when I signed up for their service. I asked her to please remove that charge for that phone as I had not purchased anything. Three months went by & the charge was still on my monthly bill. I called back to again ask them to remove that phone from my bill. They didn't, so I canceled my service & I got a new provider. 

I never got another bill or heard from them again so I assumed that they finally removed that charge & closed my account. Now it's probably a year & a half later & I get a letter from a collection agency looking for more than {$600.00}. I called them & the man said because I didn't keep the service for at least 2 years that I now have to pay for the phone that was given to me free when I signed on for the service plus a monthly fee for all the time since I closed my account. The collection agency man was extremely rude to me & said said I could settle for some amount over {$400.00}. I said I wanted to see copies of those bills & to send them to the correct address. They sent it to my legal address instead of my mailing address. Our property is in XXXX, but we receive our mail through XXXX XXXX because most of our street is XXXX XXXX property. 

It's been three months & I heard nothing so I assumed perhaps they closed the case. Wrong, the other day I got a bill from XXXX, again mailed lto the wrong address. I called them & the young lady said she couldn't help me because it's in collections. My credit score is over XXXX & I am so stressed out over this since I asked many questions before I signed on with them. I may be elderly but I'm not ignorant. I feel very abused right now. On that bill it also says that I have 4 handsets. I had only 2, one for myself and one for my husband. 

Can you help me with this before I have a breakdown? I'm losing sleep over this. 

Thank you, XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX, MA XXXX Legal Adress is : XXXX XXXX XXXX, XXXX, MA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2023 I had a XXXX XXXX, XXXX XXXX XXXX XXXX and online XXXX XXXX I told her what I was going on with my life which is pretty much that I have told United States Human and Health Services and many other agencies and she did not seem concerned about anything I said. She started asking me questions about my past and I did answer because she had me believing it would better understand my condition During the whole session, she did not have any opinion or insight. Also she never gave me a plan. She did say I did need medication and that my pharmacy will have this afternoon. Will the prescriptions never have showed up at the pharmacy. There is no prescription at my pharmacy. Also, I the next day looking at the online XXXX website and it says my provider with review my information and respond to accordingly This XXXX XXXX said it would be taken care the same day as the appointment we had. I had a paid membership and none of XXXXXXXX XXXX  part of the agreement was fulfilled. I thought to myself I have been lied to yet by another business and even another Medical Center. When will this nightmare ever end? I made an debit card dispute with Bank of America and the funds reversed back into my Bank of America Credit Card a week later. Now as of XX/XX/2023 there is a charge back to XXXX of {$95.00}. I do not think XXXX should be so unethical and keep this money

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