BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MI
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Incorrect reporting status. My account was reported late. I mailed off check that was not processed. I have proof of check mailed off. Check was later on processed after due date. Dispute a late payment entry on my credit report and request its immediate reversal. According to my rights as a consumer under the fair credit billing act, specifically 15 u.s code 1666b. If unable to verify the accuracy of the account, delete it from my credit report immediately as mandated by section 15 usc 1681i ( 5 ) of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to transfer my fund from my  XXXX   XXXX   XXXX  (  XXXX   ), to  m y Wells Fargo   Checking Ac count and it was rejected. The proble m, Wells Fargo  took the from my  XXXX  account but, did not put the money in my account. The money in also not in my  XXXX  account. This happened on Thursday,  XXXX   XXXX    XXXX  . Today is Tuesday,  XXXX   XXXX    XXXX  . I was told at first that my funds would be back in my  XXXX  account in 10 days, then it wa s 72  hours, now they are sayings 30 days. I ca n't wait 30 days s! Wells Fargo h as my funds but will not give my funds nor return them. I need my funds now! My rent and utilities need to be paid! I am under and eviction warning, I will loses my storage, I ca n't buy my meds. Please help! the amount in question is {$3400.00}.

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 2023-04-27
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraudulent and were not authorized by me. 
XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : 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 2022-10-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, 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 taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 XXXX 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 2021-07-09
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I HAD CERTIFIED ON XX/XX/XXXX SUNDAY IN MY NEVADA UNEMPLOYMENT BENEFIT ACCOUNT AND SYSTEM CONFIRMED AS ALWAYS THAT I SHOULD RECIEVE MY BENEFIT PAYMENT THIS WEEK AS ALWAYS AFTER CERTIFYING WITHIN 24 HOURS MY PAYMENT WOULD REFLECT IN MY XXXX  XXXX XXXX PREPAID UI CARD BUT STATE DECIDED TO CANCEL XXXX  XXXX XXXX CARD SERVICES AND SEND OUT WAY2GO CARD TO NV CLAIMANTS TO GET THERE PAYMENTS STARTING ON XXXX.ITS BEEN 4 DAYS AND MY MONEY IS NOT SHOWING UP I CALLED TO NEVADA UI TO MAKE SURE PAYMENT WAS ISSUED AND IT WAS CONFIRMED WITH A PAYMENT NUMBER AND REP ADVISED ME TO WAIT ANOTHER DAY DUE TO FOURTH OF XXXX XXXX AND PAYMENT SHOULD SHOW UP. AS OF FRIDAY XXXX TH STILL NO FUNDS I TRY TO LOG IN APP ON MY PHONE AND IT TELLS ME ACCOUNT IS BLOCKED AND CALL CUSTOMER SERVICE AFTER WAITING 1 HOUR TO SPEEK TO SOMEONE TO FIX BLOCK ISSUES AND WHY WAS THIS DONE HE HAD NO INFORMATION FOR ME BESIDES TELLING ME IF I WOULD LIKE HIM TO FILE A TICKET I ASK A TIKET FOR WHAT? HE SAID A TECH WILL RETURN MY CALL WITHIN A DAY TO HELP ME TO RESOLVE CARD ISSUES I ASKED TO SPEEK TO A SUPERVISOR AND AS I WAS WAITING ON HOLD I HEARD LAUGHING AND AS SOMEONE TRYING TO COVER THE OTHER END OF THE PHONE TO PREVENT ME TO HEAR, AFTER WAITING OVER 15 MIN THE SUPERVISOR HAD SAID THE SAME TO ME ABOUT A TECH IS ONLY ONE TO HELP ME, NO TECH HAS CALLED XXXX NOW WHEN I CALL WAY2GO NUMBER RECORDED SYSTEM TOLD ME MY CARD HAS BEEN BLOCKED AND THAT I HAVE NO ACCESS TO ANY CARD FEATURES ON MY APP AS WELL AND ONLINE WEBSITE COMPLETELY BLOCKED FROM KNOWING ANY INFO ABOUT MY FUNDS.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/2020 and XX/XX/2020, I the consumer sent Child Support Services Division notices of ESTOPPEL AND STIPULATION OF CONSTITUTIONAL CHALLENGE to all WASHINGTON , DISTRICT OF COLUMBIA AND STATE OF STATE STATUTES WHERE No general law affecting private rights, shall be varied in any particular case by special legislation, except with the free consent, in writing of all persons to be affected thereby.

I the consumer haven't heard nor been notified in verbal or writing that I the consumer is responsible for this alleged debt. Pursuant to title 15 usc 1692g Validation of debt, there's 5 requirements Child Support Services must provide according to federal law. that's a violation of the FDCPA. Pursuant to title 1

5 usc 1692c ( a ) -communication in connection with debt collection : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of ANY debt. That's Another Violation of the FDCPA.

Pursuant to title 15 usc 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) is in serious violation also. Here 's Violation of the FCRA as well : ( 1 ), 15 usc 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 usc 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living was impacted.

( 3 ), 15 usc 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report.

Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand these accounts be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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:
This account was never late for XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : 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 2023-01-31
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Truist Bank has submitted an incorrect XXXX relating to my account to the IRS. I received a XXXX for {$50.00} of interest earned. I did not earn the said {$50.00} in interest ( my account was only open for 58 days in XXXXbefore I closed the account ). I have made multiple attempts to have this resolved. The {$50.00} in question was not for interest earned ( as the XXXX would indicate ) but rather miscellaneous income because they issued me a {$50.00} VISA card due to their incompetent handling of my account prior to closure. The tranistion of the merger with Suntrust and XXXX XXXX XXXX has been a nightmare for all the customers, including myself. The appearance that my accounts earned {$50.00} in 58 days would indicate to the IRS that I have an account that is not being reported. The income is not interest as indicated, merely a miscellaneous income. I do not need income misreported to the IRS prior to tax filing. I do find this action by the bank unreasonable. the bank took more than two weeks, 4 phone calls, multiple text, several emails, as well as an inperson trip to the local branch all without resolution, only excuses.

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 2017-05-09
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 had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  two  account on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$300.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX XXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX  XXXX Balance XXXX {$30000.00} XXXX  XXXX Balance : {$0.00}

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 2023-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ( {$51.00}, XXXX ) DEPT OF ED/XXXX ( {$25000.00} ; {$25000.00} ; {$21000.00} ; {$17000.00} ; {$14000.00} ; {$13000.00} ; {$12000.00} ; {$12000.00} ; {$8500.00} ; {$7700.00} ; {$7600.00} ; {$7600.00} ; {$6800.00} ; {$6400.00} ; {$5600.00} ; {$5400.00} ; {$5300.00} ; {$2900.00} ; {$1100.00} ) As of today, I have disputed the above accounts with the Consumer Reporting Agencies . They've failed to validate the accuracy of these accounts, yet refused to remove them. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 USC 1681 s-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 explanation
Consumer complaint received 2021-03-18
Company: Better Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im attempting to refinance a $ XXXX mortgage with Better.com. My credit score is XXXX. I have over {>= $1,000,000} in liquid assets and over {>= $1,000,000} in other real estate. They keep asking for unneeded documentation. I believe it is because I got a good rate and the rates have since moved up. 
EXAMPLE : They ask for my XXXX XXXX. Its not due till XX/XX/XXXX but I had it so I sent it to them. Their next correspondence asked for my XXXX XXXX. 
EXAMPLE : They ask for proof that I had paid my outstanding tax debt for XXXX. I have no outstanding tax debt. I sent them a copy of the check where I had paid my taxes for XXXX by XX/XX/XXXX. Their next correspondence asked for proof I had paid my outstanding tax debt. 
I could go on. If you want more I got it. But bottom line very frustrating to deal with a shady company with obviously not good intentions. I strongly advise other consumers not to go anywhere near Better.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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:
First and foremost I would like for you to know that I am not a credit repair company. My name is XXXX XXXX and with this complaint I will upload a copy of my License, social security card and a bank statement. I am filing this complaint because I am a victim of Identity theft. XXXX, Experian, and XXXX all furnished my consumer report without my consent. I sent several disputes to these companies requesting a written agreement/ contract, or any written instruction with my signature allowing them to furnish my consumer report. Each time they failed to disclose these documents which is a violation of the FCRA 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports.Their failure to disclose these documents forced me to file a FTC complaint, and my next step will be to file a lawsuit against each of the companies if the accounts below are not deleted from my consumer report 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

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 2022-10-14
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX in error overpaid my Apple Credit card by Goldman Sachs XXXX purchases declined from this day forward Inquiry revealed that the funds were held in escrow until XX/XX/2022 because I made an unsolicited payment ahead of XXXX that was returned from the bank as insufficient funds. 

What the unsolicited payment has to do with the later overpayment I dont know. This has resulted in every automatic payment being declined and no subsequent deposit will be credited to offset the money in escrow. 

Bottom line, the bank is holding MY MONEY. The total due and limit is one thing as that is their money. But the amount difference is MY MONEY. I tried to handle by phone, by supervisory channel and nothing worked. Whats the fine print on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These are inquiries on my account I don't recognize : 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 non-monetary relief