BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX IN XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive recently reviewed my credit reports and notice in accurate information and accurate name, variations as well as in accurate phone numbers and addresses which I believe led to an accurate credit reporting across-the-board XX/XX/2022. I was a victim of identity theft when someone removed money from my electronic benefit, transfer card From the ATM without even having my card, the car was in my possession the whole time and this was done proximately XXXX miles away from my location.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : 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 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 2022-05-20
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: Account information incorrect

Complaint:
I asked the CRAs to take off old information, as NY now says that 3 year old information can be removed. I have been paying off my debts and cleaning my record. A woman at Transunion got mad at me and has since been destroying my credit information. She has been refusing to remove old information of delinquent payments, my loans that I just payed off have been completely removed from my history. Some paid items are still being reported as unpaid. XXXX is on my report with an old debt and the date is being shown as current and neither will remove the debt. Also every few days my score is dropped for no reason. It just shows XXXX points removed. Since my complaint, my score has dropped XXXX points and nothing has changed. They are systematically destroying my credit on purpose because I complained. They speak to me unprofessional, and are using their position to destroy my credit. Their behavior should be investigated federally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 2022-05-20
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
XX/XX/2022 car payment was tried to be taken out of an older bank account that was on listed on my payment section. I never provided this account information but they tried to tell me that I put it in. I never did such thing ( account had been closed since before getting the car loan ) and always made my car payment with the correct current bank information that was saved on file. They processed my car payment on that old bank account and reported it late. The payment was never late. Im waiting back on the audit report for my account and its been over 90 days since the start of the case with no new information provided besides were still investigating email confirmation of payment also comes up as XXXX coupons and has been reported as spam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: NAVY FEDERAL CREDIT UNION
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:
CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( XXXX XXXX and navy federal ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX XXXX and navy federal ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( XXXX XXXX and navy federal ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX XXXX and navy federal ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals?

Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My grandmother was a victim of ransomware scam that resulted in fraudulent activity in multiple accounts of hers in XXXX of XXXX. The issue we are having is with Discover. A total of XXXX attempted Wire Transfers, but only XXXX completed Wire Transfers were made fraudulently out of her XXXX Discover accounts. 
XXXX XXXX Wire Transfer from Discover  XXXX Account for {$22000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX for {$30.00}. 
XXXX XXXX Wire Transfer from Discover XXXX Account for {$25000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover XXXX Account, credit {$22000.00}. 
XXXX XXXX Wire Transfer from Discover XXXX Account for {$39000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$6900.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX A deposit from a XXXX Bank account was made to her Discover Checking Account for {$21000.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$21000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover Checking Account, credit {$21000.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$20000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
This leaves us with a total of {$91000.00} that was Wire Transferred out of Discover accounts and has not been reversed back, and {$180.00} in Wire Transfer Fees that was taken from her account. 
On XX/XX/XXXX my Grandmother informed me of what had been happening and after I did some research and found that who she had been talking to were not the companies she thought ( Discover, XXXX ). We reported all of the fraudulent activity on XX/XX/XXXX to Discover. We were told that they will really only be looking into the XXXX wire transfers that had gone through and not been reversed back into the account. I was told that they would refund the transfer fees, although I have not seen evidence of this myself. We were told that all of this is under investigation until further notice with no time line of completion. We asked Discover if we should make a police report, and we were told that it would probably make no difference. They also gave us no advice on how to further report this fraud to any kind of authority. In a later phone call we were told that while the investigation was not complete, they had located the accounts that the money was transferred to, but they were empty, and that we are not guaranteed to get any of the wire transferred money back. We have called back several times with no real updates and most times confusion about what is actually in being shown in their system as fraudulent activity. 
After researching myself of what to do I was recommended to make a report about it to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX Previous claimplaint, Im filing this complaint injunction with the complaint number above. I previously advised the bureau about the practices I was experiencing with Wellsfargo. As I informed them about the overdraft fees I was XXXX when funds was in my account before the cut off period numerous of times. I was told the app didnt update as their records did so the funds was showing incorrectly to me. I can see the funds available through the app but was told they was not and was charged and overdraft fee a numerous of times. I havent heard anything about the fact that a second account was opened up without my permission and without my knowledge. I was told that a settlement was issued to resolve matters but what do that have to do with the situation I was experiencing. Do I have to provide my own person to investigate my accounts. I ask for all the accounts for which Wellsfargo had in my name and could it be mailed to be. The gentleman stated he could not provide me that information that I would have to go into the branch. I want this matter resolved and for them not to just push it aside as if nothing was done wrong.

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 2023-05-25
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo was having agents come to my XXXX  school and was having students  open accounts with them. I have not heard anything from my account since and alot of money was put into that 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. I sent to the XXXX Credit bureaus, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
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: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. I sent to the XXXX Credit bureaus, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to accept work out of state. I maintained my citizenship while working out of state. I got behind on my mortgage payments and put the house up for sale. The house sold for a quick cash sale with a closing date set. I informed Wells Fargo of the sale and immediate closing date of the cash sale. Wells Fargo refused to allow me to sell the house for {$130000.00} which was more than the amount owed on the mortgage. Within about 30 days the house was foreclosed on and sold at a sheriffs sale. The purchaser was Wells Fargo that in turn sold the property for approximately {$40000.00} less than the cash sale that was ready to close.

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: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I contacted PayPal about removing the limitation from my account because I continued to have problems utilizing the advertised service. Once done TWICE, everything seemed in order. The day before {$500.00} was set to be made available to me, the service limited my account without proper cause. 

PayPal Customer Support : The companys international customer representative cite the services perceived integrity as the reason as to why they c annoy precisely tell me why I am not allowed to be advised as to their limitation of my account. Being that they are technically a financial institution, I continuously requested to be provided with the exact reason why they found me to be in violation of PayPals terms and conditions when Id both verified my identity and personal access to third-party linked accounts TWICE and did not engage in the sale or transfer of any of the prohibited items or services listed in the companys terms and conditions. They would not close my account or refund me the money deposited when asked. 

The company requires evaluation as the scripted, generic answers did not provide me with any sort of validity as to the actions this service chose to take on my account.

Company response to consumer: Closed with explanation