BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 corrected : XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$2200.00} ; 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 2022-01-08
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my SECOND DISPUTE LETTER and the accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have also submitted an FTC and CFPB You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : CAINE & WEINER # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear CFPB I have attempted numerous times to contact the 3 credit bureaus about incorrect, inaccurate and compromised information reporting on my credit profile. On XX/XX/2023 I spoke with an Experian Representative that was extremely rude and unprofessional. Her name given was XXXX and she stated she was located in XXXX XXXX. I asked how is this possible when I'm located in the XXXX. XXXX did not process my request. I was suppose to be contacted back within 24 hours by a representative in the US and no one called me back. Inquiries show on my report that were not authorized by me. 2 collections appear on the credit report that are not mine. I'm sick and tired of these companies ignoring my request to delete this information as they have no lawful authority to report it first of all and have failed to provide evidence to support otherwise. I have filed an FTC report which is attached. 

XXXX is denying me my right to dispute the inaccurate information on my report. I have included the message that I receive when trying to contact them direct. It appears as the credit bureaus are conspiring to hinder consumers from improving their credit standing by denying access to file disputes.

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 2023-02-07
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I walked into a branch of Citi Bank XXXX XXXX XXXX XXXX XXXX, va. There was initially a misprint in my debit card. The teller denied me service due to the miss-print when it was clearly a mistake by them. She attempted to verify my account by the security word and pin, but I do not remember having a security word or receiving my pin in the mail. I attempted XXXX to ask to verify in other ways but they told me that my ID, XXXX and birth certificate could not be accepted. They were a bit passive on finding a resolution surpassed that and it felt as if they were profiling me ( only the teller ) by how quick and stand-offish the experience was. My account is know block for fraud during a time that I have to pay rent and bills.

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 2023-01-19
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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2022-03-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I applied for a XXXX  credit card thru Navy Federal Credit Union which I was approved for. I was told by NFCU they reported that information to all 4 credit bureaus on XX/XX/XXXX or XXXX. XXXX, XXXX, & XXXX all updated my credit file within a day or two. XXXX credit bureau has still not done anything to this day despite my repeated requests. Have going back & forth between NFCU & them in order to get the card on my file & reporting. XX/XX/XXXX, I have an email between myself & XXXX XXXX identifying the issue. I have another with them on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX sent me an email asking me if this new account was mine, but my XXXX account was never updated with my information. My XXXX had already been. XX/XX/XXXX XXXX XXXX stated they created XXXX XXXX : # XXXX in reference to my complaint. XX/XX/XXXX I had additional correspondence with XXXX XXXX regarding the issue & they have another case number stating : New credit card not listed on my file : Case # XXXX. They keep telling me to file a dispute with XXXX, but you can't file a dispute about something that's not on your report with XXXX. Their website is not setup that way. I've had multiple conversations with their overseas call center. They regurgitate the same thing. I had XXXX supervisor named XXXX XXXX tell me to file a dispute with XXXX and get the information from Navy Federal Credit Union to provide for them with a cover sheet. I emailed it along with a copy of my driver 's license because you can't just dispute it. I communicated with XXXX XXXX a lot because they supposedly had a system in place to dispute information of your file. It has not been useful in this instance. The last communication I received from the XXXX XXXX XXXX XXXX XXXX was a survey on XX/XX/XXXX. Their TrueIdentity service sent me an alert about a change in my report the same day. NFCU sent me an alert to see what changed in my report the same day thru their Mission : Credit Confidence portal. XXXX sent me a survey XX/XX/XXXX. I emailed XXXX the information XXXX XXXX advised me to provide on XX/XX/XXXX. That's about as complete an explanation as I can provide. It doesn't include the numerous phone calls which have amounted to nothing. I have call XXXX in XXXX, PA, been transferred there from their overseas call center. Still nothing. NFCU has assured me the information has been provided to XXXX. XXXX has denied they ever received it despite the fact the 3 other bureaus have & have my file updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Every time I had to pay the car insurance, I didn't get the payment, many times I complained because the account was negative and I put the money before XXXX XXXXXXXX XXXX and they still charged their charge for XXXX dollars unfairly. On repeated occasions, he deposited the check and it became effective three days later.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 company is violating consumer law 15 U.S. Code 1681b which states : violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/2021 Delete these items 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 2023-02-25
Company: EQUIFAX, INC.
State: TX
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:
n 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. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Application ID : XXXX I, XXXX XXXX XXXX, the consumer and natural person, was denied credit by CAPITAL ONE when I applied for a XXXX XXXX  card on XX/XX/2022 Application ID : XXXX. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by capital one due to the response I received. Capital one is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued even though my credit score is a XXXX at the time I made my application in good faith. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One. 

If capital one fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make capital one criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all-natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchase car XXXX XXXX XXXX XXXX 
Used wells Fargo dealer services to pay car off. Couldn't make bigger payments to finish paying off the vehicle quickly. I finally paid off the car XX/XX/XXXX. 
I was supposed to get a check of {$540.00} due to being off paid before due date and from gap. I never got the check and also had overdraft fees from wellsfargo.

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 2020-03-28
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had to reveal my full SSN, Pin #, Mother 's Maiden Name, Address in order for my bank to talk to me about the below  concerns, which is also concerning. 

I deposited 2 checks from a money market account on XX/XX/XXXX. The first check for {$5000.00} cleared but Truist is still holding funds from the second check for {$2500.00}. 

I wrote a check for XX/XX/XXXX in the amount of {$5400.00} that subsequently bounced on XX/XX/XXXX. 

I spoke with Truist today and there is nothing wrong with the check -- they are just holding the funds, causing me to bounce the check, which could lead to foreclosure on our house. 

The only coherent explanation was that : 1. The funds were significant, which is why Truist could not clear it, and 2. It was my fault. 

If $ XXXX-XXXX  is a significant amount for Truist, then I wonder how the merger between SunTust and BB & T benefits America and its citizens. 

The resolution offered by Truist was to call their CEO ( whom could not be named ) at ( XXXX ) XXXX. When I called this number a voice recording replied that no one was available to help. 

Feels like Truist is now insolvent and I want to bring this to Federal Government 's attention.

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 2023-10-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX - On the same branch visit WF opened a new account for me to protect me against fraud and my funds were transferred to a new WF account. Within one month of opening this new Wells Fargo account - unauthorized wire transfers and debits were taken from my account. Wells Fargo identified the individual who I have no affiliation with or knowledge of. WF refuses to indemnify me and provides no explanation

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3100.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$460.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$6700.00} DP OF EDUC XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-25
Company: Experian Information Solutions 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:
XXXX/XXXX/XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute filed ftc reporting public records when I opted out

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 2023-02-06
Company: EQUIFAX, 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 XXXX  XXXX XXXX Account # XXXX and XXXX XXXX Account number XXXX have 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 that a consumer agency can not furnish an account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX, XXXX Account number : 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 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 response to consumer: Closed with explanation