BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-05-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After I attempted to make a phone purchase from XXXX with my ATM card ( which was declined and so I used another card ) multiple unauthorized purchases were made with my ATM Debit Card number at XXXX XXXX. I filed a dispute with WellsFargo and it denied the dispute without conducting any real investigation. We have made numerous calls and have found that the person making the charges is a male ( obviously not me ). Moreover, Wells Fargo approved these transaction without requiring a signature or identification. Accordingly, I have filed a complaint against WellsFargo with the Court and is waiting for XXXX to respond to my request for records before filing suit against 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 2021-11-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello. I rarely use international transfers, I used XXXX and XXXX XXXX without any problems. On XX/XX/21 I made a {$3600.00} transaction in XXXX to my son from my bank XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. In XXXX, because of the covid protocol, there were restrictions in the work of the XXXX XXXX, then they did not have a sufficient amount (! ), then they said that there were some problems with the transaction. I called XXXX XXXX to confirm the transaction onXX/XX/21, but they just transferred the money back to me. Okay, I went to XXXX XXXX located at XXXX store in XXXX TX. There I was told that they did not have the entire amount (! ) And I had to go to the other store. I tried to convince them that I do not need money and I want to send the entire amount to XXXX again. I said that they shouldn't give me the money, they would just forward the transaction. But they refused and said that it looks like a scam!!! A few days later, about two weeks ago, in XXXX XXXX located in XXXX XXXX TX, I asked to resend money to my son again. The employee tried several times but without result. Then she returned the entire amount of {$3600.00} + sending fee to me and tried to do the whole process from the beginning. She didn't succeed ... She advised to try again in a few days. But I got the idea! I have an account in Venmo, but the custom service told me they do not make international transactions and advised PayPal. Oh PayPal! A huge company! They can help me! I opened an account, confirmed my identification and the identification of my bank. My son in XXXX did the same. XX/XX/21 I tried to make a transaction : {$3600.00}, {$1800.00}, {$360.00}, {$180.00} but only {$18.00} succeeded. I thought because I'm a new client, my account has restrictions or a limit. But PayPal custom service reported that my account is transparent/clear and does not have any restrictions or limitation. But they see that my transactions do not go through the XXXX XXXX XXXX. What is the reason for this they do not know and advise me to try it in 48 hours and my son should make a payment request. We did it. My son made a request and I waited 62 hours. As you already understood, I could not make a transaction today... This is money for my son for a wedding and this is the my first gift for this. This is a transaction from a legal person to a legal person, from a legal bank to a legal bank, from legal money received from legal work! My son and I do not have any criminal or financial problems and I hope this is some kind of mistake and can be easily fixed! 
Sorry for the long post, but I tried to make a complete picture. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; CXXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXXBalance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 2022-02-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have attempted to reach out to Equifax to dispute inaccurate information on my credit report that doesn't belong to me. I have provided Equifax with a copy of my social security card and drivers license to prove my identity. However, although I have provided my actual social security number and license, I am being informed this account belong to me although I have never resided in Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In XXXX, I downloaded a copy of my credit report from all three Credit Bureaus. I noticed an account XXXX XXXX XXXX was reporting erroneously. On all three reports, the account was showing derogatory status despite the account being satisfied in fill. I disputed this account with all three bureaus. I also emailed XXXX XXXX XXXX, since every letter sent was returned. To date, XX/XX/XXXX, XXXX XXXX XXXX has refused to delete the account even though the account has been satisfied in full. XXXX XXXX XXXX told me they are not required to remove closed accounts, even though there are errors. XXXX  and XXXX  complied and removed the account. Transunion has refused to remove the account and has not provided information to prove they validated the erroneous 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 2022-05-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were in the process of completing a home mortgage with PNC bank. We were given a pre approval from PNC and instructed to pay appraisal fees ( {$750.00} ) and complete a home buyers course ( {$75.00} ). We complete what was requested and paid required fees only to be denied the loan. Considering fees were already paid we contacted PNC bank to start process over. We were told they would get us another pre approval ASAP. This was in the beginning XXXX, to date we have heard from the bank - no returned phone calls or emails. We have moved forward with a different bank, but are out the funds PNC charged and granted us no mortgage. We are inquiring about a refund for the funds loss totaling {$830.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-10
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2022-05-27
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX an XXXX grandmother and was a victim of a coordinated fraud attack which began on XX/XX/2022. My Macys American Express card, while in my possession and under duress was used to purchase {$34000.00} worth of Macys gift cards in various Macys stores throughout XXXX XXXX. I was contacted by an individual over my cell phone who claimed to be from my local banks fraud department. While under near constant supervision via my cell phone, they urgently instructed me to go to several retailers, including Macys department stores and purchase {$500.00} gift cards. The told me they were working directly with Macys and to not speak about this to anyone, including friends and family. All charges from occurring on XX/XX/2022, totally {$9000.00} were completed by myself but were fraudulent from the beginning. 
Why did Macys a store Ive trusted for years let me down? Why dont they ask questions about why Im purchasing so many gift cards? Why didnt they know that gift card scams target elderly individuals such as myself? Were they never trained in such matters? Why didnt the fraud alarms kick off and put a lock on my card? 
Ive learned a lot since XX/XX/2022. Especially after reading several published articles from the Consumer Finance Protection Bureau and the Security and Exchange. Where was Macys and XXXXgroupss fiduciary responsibility to its elderly customers?

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 2020-06-16
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:
The following information is fraudulent. Enclosed is a police report and FTC Identity Theft affidavit. The following items are due to fraudulent activity - XXXX XXXX, {$2200.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX XXXX XXXX, {$4500.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX, {$130.00}, Collection.

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 2023-07-14
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Investigation took more than 30 days

Complaint:
Since XX/XX/2023, every month, Toyota reports to lenders that I am delinquent. This causes my credit score to decrease by XXXX points. Every month I called Toyota and asked about my account. This always tells me it is current, and some agents proceed to help me file a dispute. When the representative does not help me, I file the dispute through XXXX or the Consumer Financial Protection Bureau. Now XXXX will not allow me to dispute anymore. I have even paid extra money into my account. My next payment isn't due until XX/XX/2023. I added my payments so you can see I make payments before the due date. I also added the last 2 billing statements showing I have nothing past due. Toyota really needs to fix this because it is unfair for the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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 status incorrect

Complaint:
Currently have a medical bill that was paid by my insurance company. I have mailed in disputes with the Credit bureau with no success. I'm currently in the process of trying to buy a house and really need these items removed. I also included other accounts that are reporting incorrect that need to 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 non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-05-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have disputed a charge of {$1400.00} with Citibank for merchant XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ) using Citibanks XXXX XXXX. Informed bank that I did not entirely receive what I ordered and merchant has blocked my number/avoids contact. 



There have been 3 reviews, and Im not sure what was done differently in any case, but after providing information once, it appears they just took the merchants side without further asking question ( at least to me ). 



Case opener XX/XX/XXXX. Transaction occurred XX/XX/XXXX. 



I have other disputes on my credit with Citibank involving this same merchant. I dont understand why some charges have been reversed while others not, for the same matter. 



When I inquire multiple individuals from Citi customer service and dispute center on XX/XX/XXXX asking why some disputes were reversed and some declined, my calls ended dropped. There is no way in returning to the point where we last left off without explaining it all over with someone new. I truly feel the matter is being ignored and not addressed appropriately. This is the case every time I follow up, but I never get a call back. 

I am unsure whether to report this as checking or credit account since it involves both for the same merchant and financial institution, but for different transactions/matters.

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