BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-10-14
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERICAN HONDA FINANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Webster Bank allowed double presentment and is refusing to refund the check they allowed to be cashed twice. Check number is XXXX. It was cashed on XX/XX/22 and XX/XX/22 both for the amount of {$75.00} from checking account. Went to bank to tell them they allowed double presentment and they stated they are not responsible and go contact the store that cashed it twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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 Experian account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-04-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA backed mortgage from Wells Fargo since 2005 and have never been late nor missed a payment. Every year I have to fight with Wells Fargo to pay the homeowners insurance and property taxes in a timely manner from the escrow account. After repeatedly calling Wells Fargo over the past three weeks trying to get them to pay the homeowners insurance which was due XX/XX/XXXX, Wells Fargo continues to refuse to pay the insurance! Despite my already having paid Wells Fargo the full amount plus of the home owners insurance premium which Wells Fargo holds in the escrow account, today, XX/XX/XXXX, I had to pay the insurance company the full amount myself because Wells Fargo has still not paid it!

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In accordance with the Fair Credit Reporting Act the following businesses and accounts violated my rights : XXXX XXXX account number XXXX. 
XXXX XXXX XXXX XXXX  account number XXXX. 
Department of Education account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX # XXXX account number XXXX. 
XXXX  account number XXXX, and XXXX. 
XXXX XXXX XXXX account number XXXX. 

Employment information - XXXX XXXX XXXX XXXX XXXX. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU OXXXX LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed 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 2022-05-04
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:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, DE 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
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Last XXXX I went to login to MyEquifax. I did not remember the password so I clicked to reset it. When I was asked by the computer about accounts on my report I knew nothing about these accounts, After trying again, the computer gave me a 1877 # to call. I did and it asked the same questions and again it said it couldn't help me. I sent equifax, by the computer instruction, a letter and copies of 4 different ID 's on XX/XX/2020. I still have heard nothing and still can not get past their verification as it asks the same questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: MORGAN STANLEY & CO. LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to XXXX XXXX ATM at XXXX on XX/XX/2023 at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I went to the ATM to withdrawal money from my ETRADE checking debit card ending in XXXX using XXXX ATM in the amount of {$500.00}. The money did not disburse, but the amount was deducted from my Etrade checking account balance. I was charged a ATM fee of {$3.00} for a total of {$500.00}. I had to wait til chase bank opened to inform them what happened and I provided the receipt. They told me I had to contact etrade. I told them all they had to do is pull up the video and they will see the money didnt come out. I contacted Etrade and inform them of what happened and they told me it could be 2 weeks before any type of resolution.I asked ETRADE if they will provide a provisional credit of the {$500.00} but they have not. My furnace is broke down and that {$500.00} was to get my furnace fixed. I just want my money back. I have a copy of the receipt also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
have two XXXX XXXX  accounts still on credit report showing closed i requested those two accounts be removed and block i sent n wrong police report credit so im uploading the report with the officer name

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: 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: Information belongs to someone else

Complaint:
In XX/XX/2015 somebody used my social security number to set up a credit account using the name XXXX  XXXX. I want to get this fraudulent account taken off my credit reports and to have all collection attempts seized and dismissed.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 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.

has violated my rights. Or list of inquiries 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 2022-12-22
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 {$240.00}, I've reach out to cash app and filed a dispute however they do not have a customer service number, so I had to send a messages through a chat to contact them. But, no one responded and I wasn't able to get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00}

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 2023-09-14
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We lived in an apartment for XXXX XXXX XXXX XXXX which apt name was XXXX  XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX the complex was sold to XXXX  XXXX XXXX. Because of Covid and the fact that DES unemployment had run out, we reached out to the City of XXXX for Emergency Rental Assistance. We moved out of the apt XX/XX/XXXX the date our lease expired. The new management was about to get paid for 3 months rent by City of XXXX but refused to renew our lease. On XXXX XXXX, XXXX the City of XXXX issued a check to XXXX  for {$10000.00}. This was for past due rent up until the end of the lease. When we tried to rent a house in XXXX of this year, XXXX, to our surprise we were denied. XXXX XXXX XXXX had placed 2 eviction court judgements in our credit profile. I obtained check info and payment from City of XXXX and found that the XXXX XXXX had got paid. When I contacted them I was told that they had not received a check and that they had no doubt that the check went to XXXX XXXX XXXX. That was not the case. I contacted XXXX XXXX XXXX, spoke with XXXX XXXX and she told me to get a copy of the cashed check and send to her. City of XXXX is unable to give me that copy but they were able to send it to XXXX. XXXX XXXX lawyers were able to vacate and dismiss the judgements. Next thing I learned that now XXXX XXXX has put a derogatory note on my credit and my partner XXXX XXXX credit for non payment in the amount of a bit over $ XXXX. We did not sign a lease with XXXX  and we owe them no money. I called the Collection agency and tried to explain this to them but they told me that XXXX XXXX and XXXX  have merged and that no, no one has received the payment for rent in XXXX. They would not let me explain to them anymore and cut me off the phone. This has gone too far because the money has been paid. XXXX  XXXX  has it but they are not willing to inquire in their accounting ledgers. This has damaged us because I have been trying to resolve this issue for some time already and we are having to live with friends, relatives, sometimes hotels because we are unable to rent a home or apartment due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2023-08-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is paid in full. My student loan has been forgiven. The credit companies will not do their job.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 non-monetary relief
Consumer complaint received 2020-04-06
Company: Bay Area Receivables, Inc
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not owed.

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 2021-03-03
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged many times for an overdraft on my account. In the past I haven't had enough proof to actually do much about BB & T charging me these fees due to the fact that when I called to correct the problem my app was showing different information then it had prior. This time I was smart enough to take a screenshot on my phone showing dates and times along with emails to prove that BB & T is taking full advantage of its lower income/class customers! Daily processing occurs over night and all accounts are updated with first deposits and then deductions. Well that's at least what BB & T clams. During daily processing last night I was charged a {$36.00} overdraft fee. That's really not a lot of money but at a time like this that's the difference of my water getting shut off or not so it's a lot of money to me and my family. My account was definitely running low. I will not deny that. It's been extremely hard for me to keep my family 's heads above water. At XXXX XXXX I received an email from BB & T that stated my account was negative {$35.00} after daily processing. That in itself would mean that my account was XXXX cents in the positive and was still charged a XXXX dollar overdraft fee. Please tell me how that is possible let alone ethical? I really wish that I had proof of the multiple times that this has happened in the past but sadly I do not. BB & T is one of the most unethical banks I have ever encountered. And I know that I am not the only customer that this is happening to. Please do something about this! At a time in American history when there are already so many American 's struggling to keep a roof over their head and food in their mouths the last thing we should have to worry about is a greedy bank stealing the last few cents of our hard earned 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 explanation