BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. This fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. DEPTEDXXXX  XXXX, XXXX XXXX XXXX and 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 2023-07-26
Company: WELLS FARGO & COMPANY
State: NV
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:
To Whom It May Concern, I filed a fraudulent charge through my Wells Fargo Checking account. 

I called Wells Fargo circa XX/XX/2023 about the fraudulent charge which occurred XX/XX/2023. 

The fraudulent charge was through, Merchant, XXXX XXXX, for, {$1400.00}. 

I didnt authorize the charge and informed Wells Fargo of this circa XX/XX/2023. 
I was never credited for this charge and my account has been closed. 

I hope to file a complaint to rightfully receive credit/funds for {$1400.00}. 

I was unable to resolve this charge earlier, due to my medical conditions as a military veteran worsening.

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 2022-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Payments have not yet updated, although payments were made. Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX  accounts, some of my Capital One Bank Cards, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. What is the issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So on XXXX ( XX/XX/XXXX ) between XXXX I went to the drive Thru at Bank of America XXXX XXXX XXXX XXXX Texas, XXXX. 

I made a deposit. The exact amount is {$3300.00}. 
This amount is intended to pay my tuition online ( I am a XXXX XXXX ). 

So I made the deposit, everything went smoothly then I was asked the usual question ( Are you done? Do you wish to make another deposit? ). After confirming everything, the drive Thru machine took at least 5-7 minutes processing before telling me that the transaction was cancelled. I received my debit card back but not my money. 

I called the bank and they are telling me to wait 10 business days and if they didn't solve it bu this date, they will issue a provisional credit. 

I can't wait this long, I need to pay for my tuition now as we are speaking. 

I also don't want to be issued a " provisional credit '' on my own money. 

Thanks.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: SERVICEMAC, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX  I Missed my Payment to My Mortage. After i Missed my Payment. I was Never Contacted About the Missed payment, Until I Contacted The Mortgage Company My Self. ( ServiceMac , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl, SC XXXX ) Upon Contacting them I set Up a Forbearance Plan and It Went Good, the Second Month that i was able to Pay I called it in and gave my info to The Bank i was using When they Took the Information and Ran it they Said that it had gone through. so, i went the whole month going about my business now its the 3rd payment to my forbreance contract. Thats when Service Mac told me i miss my 2nd payment and that i has no choice but to come up with all the money that i was behind. i have so much equity in my house i should not be having this problem. So i went and Got the Amount they asked for Paid by new mexico renters association. and Service Mac Refused to Take Payment. They Stated that They Don't Contact Places to Get Payments. Also They Stated that they Had the Amount i Was Ordered TO Pay That I was To Receive the Letter Via Email. But Never Received It and When i Called to Ask Why I had not seen Received it. They Stated That The Foreclosure Letter Had Not been Drafted up. they Are Forcing me out of my house and There's nothing it seems that i can do 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 explanation
Consumer complaint received 2021-08-19
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
synchrony bank has closed 6 out of the 7 account i have opened, yet then keep extending credit to me with excellent payment history, why would they close them. Their ramifications will destroy my credit, yes it is in their T & Cs but they lioterally closed all of my accounts with EXCELLENT PAYMENT HISTORY, and close all the accounts due to high risk is XXXX. Please reverse these changes. THE FCRA SHOULD BE IN SHAMBLES ABOUT THIS. CLOSING ALL OF MY ACCOUNTS DUE TO RISK YET EXTENDING CREDIT TO SOMEONE WHO IS A " RISK ''. I AM WANTING TO SUE SYNCHRONY FINANCIAL. They will get their money, but not their business. they have screwed my credit now with closing 6 out of 7 accts. my AAoA will plumet and my credit card utilization will skyrocket in debt, yet i make my monthly payments on time.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$850.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX  XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-06-16
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022 i purchased from XXXX XXXX  # XXXX located XXXX XXXX XXXX XXXX XXXX, co XXXX their money ctr XXXX for {$500.00} total of purchase {$500.00} to pay my weekly rent before it was XXXXWent to library tried activating card online to no avail.was prompted to XXXX code also given that was never asked for even after i advised i was given a code. # XXXX was forced to XXXX  due to not being able to pay my rent, which caused other bigger problems.XXXX  due to not resting and or the stress and strain anguish this non activation of the card i bought and purchased for a fee in a XXXX  XXXX XXXX XXXXThat is illegal and a fraud scam to have a card for concumers to purchase taking their wages and a portion of their pay check in trust to pay a bill that could only be paid with a debit or credit card.Now im out onthe streets with no job because your netspend card would not allow me to activate it holding onto my $ XXXX can upload from my cell phone a picture of the reciept and card.

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 2023-10-11
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This Dispute Letter is being submitted in light of the recent Overhaul of Consumer Records by the Credit Reporting Agencies. I have recently paid for a copy of my credit reports, looked at my credit file, as is being reported by you, and noticed there are several inaccurate, unverified accounts and/or items on my report. This means that the below-listed accounts were not opened by me and that I did not profit or gain anything from these accounts having been opened under my name. 
Additionally, this letter is a Formal Request to remove all other names, addresses, birthdates, social security numbers, or phone numbers that are not consistent with the above -referenced information and confirmed by the attached copy of my Driver 's License, Social Security Card , and Proof of Address. 
The below-listed companies have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else who did these that I did not know. 
They are listed as follows : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account Number XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX* 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 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 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still unauthorized inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

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 2023-07-01
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the accuracy of the information on my credit report, specifically regarding a collection account that is listed under my name. According to my credit report, I owe LVNV FUNDING LLC the amount of {$710.00}. However, I possess a letter from XXXX XXXX dated XX/XX/XXXX, which clearly indicates that the debt in question is owned by Resurgent Acquisitions, LLC. This discrepancy raises serious concerns regarding the validity and accuracy of the collection account. 

Under the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) in 2003, it is my right as a consumer to have accurate and verifiable information reported on my credit file. Section 611 of the FCRA, codified at 15 U.S.C. 1681i, establishes the procedures for disputing inaccurate or incomplete information. 

I kindly request that you conduct a thorough investigation into the reported collection account and take the following actions : Validation of the Account : Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I request that LVNV FUNDING LLC provide me with written validation of this debt, including details of the original creditor, the nature and amount of the alleged debt, and any relevant documentation supporting their claim. This validation must be provided to me within 30 days of your receipt of this letter, as mandated by the FDCPA. 

Compliance with Reporting Standards : If LVNV FUNDING LLC fails to provide the requested validation within the specified timeframe, I request that you remove the collection account from my credit report entirely. Under the FCRA, it is imperative that credit bureaus only report accurate and verifiable information. Given the conflicting information between my credit report and the letter from XXXX XXXX, I believe it is necessary to remove this collection entry until its validity can be properly established. 

Proof of Ownership : As indicated by the letter from XXXX XXXXXXXX, the debt in question is allegedly owned by Resurgent Acquisitions, LLC. I request that you contact LVNV FUNDING LLC and Resurgent Acquisitions, LLC to verify the ownership of this debt. If LVNV FUNDING LLC is unable to substantiate their ownership claim or if Resurgent Acquisitions, LLC claims ownership, the collection account should be removed from my credit report in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2023-08-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
* I traded my leased a Nissan XXXX XXXX XXXX ( VIN XXXX, Leased from NISSAN-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealership XXXX XX/XX/2023. 
* XXXX XXXX of XXXX cut a check to NISSAN-XXXX  XXXX  XXXX XX/XX/2023 which was cleared on XX/XX/2023 * NISSAN-IXXXX XXXX refused the payment to pay-off this lease unit XXXX and they cut a new check on XX/XX/2023back to XXXX XXXX. 
* NISSAN-XXXX  XXXX  reported to created bureaus as nonpayment on my part. 
* My credit score was decreased by XXXX points. 
* To resolve I paid off the vehicle out of my pocket. 
* XXXX XXXX has informed me that they will reimburse me, but no XXXX shared yet. 
* Now my account with NISSAN is settled but they are not reporting it back to created bureaus to restore my score.

* Talked to NISSAN customer support at XXXX. They do not report the settlement to credit bureaus. 
* I am in middle of a home loan application which has a deadline of XX/XX/2023. 
* If my credit report is not corrected before that date, I will lose the house. 
* I have opened dispute with credit bureaus, but there processing time is beyond deadline for home application closing. 
* Attaching letters from XXXX XXXX and Nissan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: SANTANDER HOLDINGS USA, 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 status incorrect

Complaint:
I leased a XXXX XXXX XXXX XXXX through Chrysler Capital in XX/XX/XXXX. The vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being a total loss. My insurer XXXX paid off the balance of the lease and sent me the remaining amount as the car was valued at more than the balance of the lease. The lease balance was satisfied and the account was closed. Since then, Chrysler Capital has reported that the lease was satisfied and closed as of XX/XX/XXXX but in the remarks section it states Early termination ; Insurance loss. As a result of this remark, my credit score dropped by almost XXXX XXXX and I have been denied credit from several banks as they stated I have a serious delinquency on my credit report. After further investigation, it was determined and shared by the banks that the reference to an early lease termination is considered a derogatory remark, comparable to a repossession or numerous late payments and it should only be reported as a total loss and not early termination. I have spent countless hours on the phone with Chrysler who claims they cant fix it even though its wrong and negatively impacts my credit and according to XXXX, even though its wrong and now considered a negative item on my credit report, they cant remove it until Chrysler updates their reporting. I am basically stuck in a circle of finger pointing and unable to have my credit report fixed. Every bank and credit agency says its wrong but Chrysler wont remove it or update the remark so it doesnt continue to impact my credit score for the next XXXX XXXX. I have no where else to turn at this point as Ive exhausted all efforts thru Chrysler and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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:
Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation