BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Affirm 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:
In XXXX ( XXXX ) I lost my job due to the pandemic, my job could not longer afford to XXXX XXXX  Immediately I contacted affirm and made the rep aware of the situation. I was told my due date could not be pushed back But due to the nature of the situation it would not be reported to the credit bureau. In the same month of XXXX I had a procedure that led to complications which prohibited me from getting another job immediately. I called affirm again to explore my options and I was ASSURED the loan info would not be reported to the credit bureau due to the extenuating circumstances far beyond my control ( an unforeseen pandemic ). After the rep stated it wouldnt be reported it was & my score dropped by XXXX XXXX.

I have been a customer for years and this is the only history of me not paying on time. 
A supervisor advised me that this can not be deleted from my credit report because the external factors were still within my control. Any competent person will note that Covid has had a direct impact on every economically factor surrounding America - especially income ( or lack thereof ). It is saddening to know affirm reps are aware how important credit is and have made 0 efforts to make the situation better. The reps have been very rude and have shown their lack of care to something very vital to my everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2019-06-11
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau : Complain I would like to complain about my international wire transfer at TD bank branch located at XXXX, CT. I went to the bank on Saturday XX/XX/2019. I wanted to sent XXXX XXXX USD to my mother in XXXX. While at the bank I pointed out clearly that I wanted my mother to receive US dollar the same currency that I was sending. The bank employees confirmed that yes the money will be received as US dollars in a foreign account. I even double checked it with the XXXX CT branch manager XXXX. 

On Tuesday XX/XX/2019 I was informed that the money was received in my mothers account in the bank in XXXX. But unfortunately the money that was received was not in US dollars but instead in Polish zloty ( PLN  ) currency not as agreed. Because of this the money form the wire transfer was converted in banks exchange rate which was lower that the common exchange rate that I could get outside the bank, because of this conversion a great deal of money was lost. I believe that it happened because of some mistake that happened when the money was wired out of the TD bank. On Thursday XX/XX/2019 I talked with XXXX XXXX and XXXX XXXX the employees of the TD Bank in XXXX about this wire transfer. They said that they set up the transfer correctly so that my mother would receive US dollars. They could not explain why it happened they suggested that the recipients bank account bank account was not a US dollar currency account. This is not true the recipients bank account is a US dollar currency we transferred USD money successfully in the past from a different bank account and we never experienced problems like this in the past. 

Well, the main point is I not happy with the service that I received at TD Bank branch in XXXX CT. The people lacked the professionalism and courtesy that I expected form banking professionals. I feel I was misguided. Please tell me what can be done to resolve this matter and solve this problem. I willing to answer any questions you may have. 

I am looking forward to your reply. 

Sincerelly, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 590. 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 XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
I checked my experian credit profile and I noticed an account that I do not recognize from XXXX and it is reporting as a collection. 
Acct # : XXXX Eversource I do not recall having a negative account with XXXX yet Experian is reporting this information and causing me harm and damage. My consumer rights o privacy are being violated according to the Fair Credit Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-06-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Will I was hit with a 30 day late payment that was Inaccurate and false I was never aware or no phone call or Letter sent out to me about this 30 day late payment. I talk to some on XX/XX/2021 Name XXXX from Customer for help to get this removed from credit report she was no Help at all I let here know i was Effective bye COVID -19 And did No I had a 30 day pass do payment. This has put me in a hardship on my credit report this False and Miss Leading or Fraudulent Reporting on my credit Report. The amount that was past do was XXXX and its all paid up. Also there Payment policies miss leading and miss guiding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-04-16
Company: WELLS FARGO & COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am submitting copies of the statement from credit card your site is frozen.

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 2022-04-28
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 have previously disputed this item ( Reference # XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX ) with Experian, and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and they have no record of Experian contacting them. It is clear that they do not report to you or to any credit bureau for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted 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 explanation
Consumer complaint received 2019-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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've recently disputed these accounts but the major credit bureaus did not take proper action. Nor did the 3 major credit bureaus provide me with any signed physical documentation that will support their reporting as oppose to an electronic Verification inwhich will appear as though the accounts are mines but they are not and until you provide me with physical documentation along with the Method Of Verification, then this accounts shall be blocked immediately and this is my rights as a consumer. Please remove these accounts immediately, [ 1 ] XXXX XXXX XXXX, [ 2 ] XXXX XXXX XXXX {$470.00}, [ 3 ] XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, 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. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Chase Bank ; Consumer Financial Protection Bureau Attn : Dispute Inquiries Re : Notice of disputed charge to Account No. XXXX I am writing to dispute/ clear up a charge of {$400.00} to my debit card account on XX/XX/2023. The charge is in error because the items werent delivered as expected, I was overcharged, items were not exactly what I thought I was purchasing, and misled into believing it was a certain hair texture when I was sold something totally different and not what I spoke with the salesman on. I was told the wig was on final sale even though I did not get the size of the wig neither was it noted on the box, I noticed when I got home to prep for the wig it was three sizes bigger than what I normally purchase. Once I washed it, I was very disappointed. The red dye was dripping from the wig which let me know it wasnt processed and bleached correctly, as well as the texture of the hair being stripped and it no longer being body wave like it was when I left the store, like the company made curl pattern themselves just to sell when its literally straight hair I paid extra for. The hair seemed stiff and/or stale looking and feeling. It did not bounce back to the curvy body wave texture that it had when I first purchased the wig. The hair tangles when I wash it and does not go back to how it looked when I first purchased it. I can not return to the merchant myself due to the final sale rule and it would be pointless getting a letter from the merchant when it was already discussed. I just expected a high-quality wig for the price that I spent which was a total waste of my hard-earned money. I also spent more money in order to correct the wig color and to try to obtain its natural hair texture, which is an extra {$200.00} Dollars and the wig is drying out day by day. The proof I have is pictures after washing, and a comparison of an actual body wave textured wig that I already have to show the difference of the curl pattern. I am requesting that the error be corrected and that any finance or other charges related to the disputed amount be credited back to my account. I was informed by my bank to make a report to the Consumer Financial Protection Bureau to express my concerns and issues regarding this matter. 

Enclosed are copies of the payment receipt, and pictures supporting my claim. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief