BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to delete this erroneous account. I think you have not validated this account 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 them again. 

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022 my brother and I was extended credit by Wells Fargo auto and we signed a fraudulent auto loan contract at XXXX XXXX XXXX. At the time we weren't aware of the fact that the contract was a fraud due to the fact of them willfully and purposely withholding information for the purpose of their self benefit and gain. Wells fargo auto/ XXXX XXXX XXXX failed to disclose to us the finance charge inconspicuously. They never even mentioned a finance charge to either of us as they rushed us through the contract to sign and keep signing. This Violates the Truth in Lending act along with a line of many different criminal charges. As soon as we were aware of this which was two years later in XXXX we immediately sent them a Notice of Rescission of Signature/ Notice of fraud on XX/XX/2022 where we explained to them what happened and that they needed to resolve this matter. 15 U.S. Code 1605 Determination of finance charge states that in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss meaning that they were responsible to cover the total amount of the Auto insurance premium for the entire life of the contract. Instead they made us responsible to cover the cars insurance separately. This is illegal and fraud. 

They also failed to disclose the right to rescind via mail/ email. 12 CFR 226.15 - Right of rescission sec ( b ) Notice of right to rescind. In any transaction or occurrence subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was currently married to XXXX XXXX XXXX XXXX we havent filed for divorce but I was kicked out from my mailing address in which my EDD benefit payment debit card was sent but unfortunately my ex-wife decided to activate it and spend my benefit payment and lied to me about it not arriving yet called Edd they informed me card was activated on XXXX of the month XXXX. Very stressful and frustrating because I have no job I live in a hotel and shes keeping my money from me that is fraud and I wish to report this because its been very hard for me to get through with no job and no money now I need to find a way to transfer that money to my personal account and thats going to take more time for me to see any benefit payment balance was XXXX now it is at 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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please review attached IRS 1099C form, Debt has been discharged & paid. Please update payment history to all paid or delete off my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XX/XX/2023 COMPANY NAME- IMEDICAL DATA SYSTEMS ACCT- # XXXX I check my credit and discovered that was something on my credit report that wasn't done or approved by me and a I did research this medical bill was on there in the hospital that it came from was closed down and does not exist anymore nor I had a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: POPULAR BANK
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
After researching online for best CD rates - I chose to open an account with E-Loan - an online business. As an online business - account holders are to have 24 hour online access to all accounts. The process was simple enough. However, after opening the account ( for & XXXX ) I was unable to log in using the information credentials that were supposedly on record. I have tried several times ( as soon as 1 day after opening account ) to just get my initial investment of {$25000.00} refunded to the XXXX Bank account from which it was transferred - because an online bank ( CD ) account that can not be readily accessed is unacceptable. E-Loan wants to charge me 2 years interest - even though zero interest had been earned at that time. They also told me that no time frame was available for when they might " fix '' the log-in problem! The account was opened on XXXX/XXXX/15 and I filed a complaint with the XXXX on XXXX/XXXX/15 after not being able to log-in. XXXX complaint number XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a so-called medical debt that was due to COVID-19 and when I try to dispute it, it tells me Ive already and it wont let me explain that it was due to Covid. And when I try to call them I get caught in a XXXX XXXX and then hung up on.

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 2021-08-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX My lawyers XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Trustees XXXX XXXX Fiduciary and XXXX XXXX XXXX XXXX SC. With XXXX XXXX of SUNTRUST BANK. 
PUT DEBT AGAINST ME AND MY HOME. THEY TURNED INTO THE COURT AND IRS THAT THE DEBTS WERE PAID OFF. 
XXXX XXXX XXXXXXXX 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 2023-03-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be corrected immediately. 
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 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 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 2021-06-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Dear Sir / Madam, I initially learnt about a Cryptocurrency called XXXX XXXX XXXX XXXX XXXX I may have purchased approx. XXXX XXXX or more through XXXX, It showed that the number of my coins increased in amount to XXXX, when I continued to make purchases it showed a different XXXX with number of coins at XXXX, the total value keeps fluctuating based on the value of the coins at currently shows approx. XXXX but when i try to exchange or swap the coins for USD it only shows/allow to me to exchange XXXX, worth approx XXXX currently, I want to be able to withdraw the entire value of my portfolio and earnings otherwise I believe this is a pure scam on a legit company like Coinbase to allow these coins to be stored on their XXXX. Please help urgently and advise before my money completely disappears. Thank you and Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Chase deducted {$95.00} annual fee for safety deposit box from my checking account in XX/XX/23. I closed safety deposit box approximately 5 years ago. Chase says its still open. Their error. I live in different state and am handicapped. Chase branch says I have to come back to CT and have locksmith drill open box. I turned in key 5 years ago when box closed. Each year I got a bill I dealt with bank and the bills were credited. This year they just took out the fee from my checking account. I need my money and want them to stop billing me for something I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}

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 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, 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 RECENTLY CHECKED MY TRANSUION CREDIT REPORT AND SAW AN UNAUTHORIZED INQUIRY FROM XXXX XXXX ON XX/XX/2019.

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 2023-09-11
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I reviewed my credit report and noticed inconsistencies regarding wrong name variations, addresses, social security numbers, phone numbers, and erroneous accounts. The credit bureaus continue to state that they have verified the debt. However, I have discovered on my report that an account XXXX XXXX XXXX XXXX is not mine and I have no knowledge of this account. This is a fraudulent account, and my personal information was used in a company 's data breach on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NV
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 convergent account number XXXX XXXX XXXX XXXX opened XX/XX/2022 amount of {$1400.00} has violated my rights. 
I am not responsible for such debt. I have verification from original creditor XXXX XXXX that I owe {$0.00} debt. Please remove this debt and the incorrect information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy.

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am this consumer and I do not give permission to furnish information on my report at this 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 non-monetary relief
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the collection accounts with Experian for several attempts, to no avail XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.

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 2022-07-21
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:
As of XX/XX/2022 complaint number # XXXX I have asked Experian to conduct and investigation into my credit file today is XX/XX/2022 it has been past the 30 days allowed by law. The company has not done its due diligence in completing their investigation in the appropriate time allowed by law. In accordance with the Fair Credit Reporting act XXXX  account # 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 15 U.S.C S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing of consumer reports to the purposes listed under section 604 ( s 1681b ) The only company to comply with the law has been XXXX. Experian has attempted to use 3rd party companies to verify data on me example XXXXXXXX XXXX. They have failed to comply with the laws that protect my consume rights endowed to me by the federal government listed in the FCRA.

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 2022-07-21
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account : XXXX. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : XXXX. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : XXXX. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
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 am a natural person, Ima living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/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 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
Consumer complaint received 2022-02-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am attaching a complaint which I submitted to NY Department of Financial Services, and they recommended I contact you because you are the regular of TD Bank, a national bank and you have jurisdiction over this complaint. Please find letter attached.

Company response to consumer: Closed with explanation