BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
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:
I am a victim of identity theft, my identity was stolen. There is a lot of incorrect information on my credit report. It is stopping me from moving forward in my life. I have made a report with my local police department, in which I was told by them to reach out to the Federal Trade Commission to do an XXXX. I have included a copy of my Federal Trade Commission XXXX. Please delete the incorrect items from my credit report. I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: TN
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 sent a Second Letter to Experian via USPS Express Mail which they Received on XX/XX/2020 after Receiving the Initial 30 Day Dispute Results.. 

Experian File Number XXXX It was a Method of Verification Letter under F.C.R.A Section 611 ( a ) ( 7 ) which requires them to provide me with the Description of all the Methods of Investigation..complete list of Correspondence and Original Documentation ... Name of Employee ( s ) who did the Investigation and how they came up with their Conclusions..

They were also supposed to give me their Response in 15 Days according to my F.C.R.A Section 611 Consumer Rights ...

Experian has Failed to Fulfill their Obligation on 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 explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TX
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

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.

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 2022-05-19
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: Investigation took more than 30 days

Complaint:
ON XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was 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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting act XXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and 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 2023-11-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
There are numerous credit inquiries that I did not authorize on all three credit agencies XXXX, Equifax, and XXXX. I have attached a fraud report with all the listed credit inquiries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
CFPB Case XXXX Company that performed a fraudulent Hard Inquiry, XXXX, resolved the issue on their end and sent a letter to Transunion for them to resolve the issue. Transunion has failed to follow through with removing the Hard Inquiry after receiving the letter from XXXX. Attached is the letter from XXXXXXXX XXXX describing their mistake.

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 2022-11-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had received a XXXX transaction from my mother. All my XXXX transactions are set to go to a savings account. The money was sent to another account that was currently in negatives and which was not set up to receive any XXXX transactions. 

I spoke with a representative that looked at the account. They started with telling me that it was not sent to the correct account due to my XXXX not being set up correctly. I said that it was correctly set up and gave them the account number. They checked and said I was correct. 

They then said it was due to my mother sending it as a bank-to-bank transfer as she has another bank. My mother also has a Wells Fargo account and has previously sent XXXX transactions to the correct account. They took a moment and said that they could see it was a Wells Fargo account. 

I told them that WellsFargo had even sent me a notice saying I received money via XXXX. The representative said that it was not accurate due to this being a bank-to-bank transaction. I reminded them that she was also a Wells Fargo customer. They told me that her account must have not been set up correctly and that I would have to add my account to her XXXX with my bank account number. 

I asked why the last transactions worked but this one did not. The representative said that it was because the XXXX was not set up correctly. They could not explain the difference and why it was different from before. XXXX on Wells Fargo 's app only allows us to add others using a phone number or email. 

Customer service sounded annoyed and was incredibly unhelpful. They tried to give me solutions that were not relevant and attempted to ignore all the information in order to end the call. There was no solution and they could not provide an answer as to why WellsFargo did not properly make the transaction.

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 2023-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are address that I do not recognize.There are Different variations of my name that are not mine. 

My only legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act 15 USC 1681 Section 602 8 states I have the right to privacy ; 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish anyone information on your account information without my written instructions. So this complaint is about my invasion of privacy, NOT the validity of the account. These accounts listed below are in current violation with my right to privacy pertaining to Fair Credit Reporting Act regulations labeled above : WESTLAKE FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX In fact, before anything is reported to the public the credit bureau is to notify me as consumer on how and what they want to report and I am to consent or not consent. AGAIN, This IS NOT a claim questioning the validity of the account, however, it clearly exhibits how the creditor at hand is improperly utilizing my information and any other entity ( such as the CFPB ) allowing them to do so is to be an accomplice to a blatant crime. 
Any transmission to follow this complaint should DIRECTLY address the two malicious violations detailed above, for your failure to not following federal protocol which is a very serious infraction and will be treated as such. I'm sure officials at CFPB agree that if the law exists it must be followed. 
If you can show me where you have been communicating with me in writing 30 days BEFORE reporting to the public and/or have any evidence I consented to what you have been reporting on this account I will relinquish you of this complaint. Nevertheless, If you do not have proof of following the federal guidelines I expect the account detailed above to be deleted within 10 business days and all illegal monies extorted over the duration to be reimbursed to me in full in the next 30 days. 
Please be aware I am familiar with the legal definition of " racketeering '' which I will provide for you below : 18 USC Section 1961a Any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, EXTORTION, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; 18 USC Section 1961 ( 3 ) ( 4 ) ( 3 ) person includes any individual or entity capable of holding a legal or beneficial interest in property ; ( 4 ) enterprise includes any individual, PARTNERSHIP, corporation, association, or other legal entity, and any union or group of individuals associated in fact although not a legal entity ; Which will be my future claim if this illegal activity fails to come to an IMMEDIATE HALT!

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 2016-10-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, a man walked into a TD Bank branch in XXXX and withdrew {$900.00} from my checking account. He presented ID that somehow duped the teller into giving him my money, even though there were enough inconsistencies to warrant a closer look at the identification provided. Thus far the bank has refused to promptly return my money until they conclude their investigation. Since the transaction was not " electronic '' I informed the bank supervisor that TD Bank had no right to hold my money for the usual ten business days to resolved the matter. In response I was told they had to hold on to my money just in case I was the criminal who stole the {$900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
I lost my wallet and I am a victim of identity theft. I submitted a police report for fraud to the credit bureaus and no further action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-08-04
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-02
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Hello. I am a customer of www.wise.com. On XX/XX/2023, I made a XXXX transfer of XXXX US Dollars from XXXX XXXX to my Wise account. The bank charged me XXXX XXXX as a transfer fee and an additional XXXX TL as a transaction fee. I was informed that the money would be transferred to my Wise account on XX/XX/2023 as the value date. However, instead of the XXXX US Dollars that I transferred to my Wise account, only XXXX US Dollars were transferred and a transaction fee of XXXX US Dollars was charged. I dont understand this situation, this is the first time something like this has happened to me. Where is my missing XXXX US Dollars and what is the mistake here? I want to find out. I paid all the transaction fees but XXXX dollars less came. I am attaching the receipt of the SWIFT payment I sent from XXXX and the receipt I received from Wise.com. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
XXXX, Transunion, & XXXX failed to comply with the Fair Credit Reporting Act. XXXX failed to contact my credit grantor and provide proof of my indebtedness. I requested all three companies not to use automated verification or the e-Oscar system to verify my accounts of indebtedness. XXXX, Transunion, & XXXX all failed to remove the incorrect addresses, inquiries, and accounts from my records eventhough they reported that they had removed some of the items. The items reported to have been removed were not.

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 2022-11-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with all XXXX credit bureaus on XX/XX/2022. They received my letter on XX/XX/2022. It is now XX/XX/2022 and Ive yet to hear back from this company. I sent ANOTHER certified letter that was received on XX/XX/2022 requesting they remove the items disputed since I had not got a response from XX/XX/2022 dispute. Still nothing was removed. The FCRA gives the company 30 days to respond to my first letter of dispute. I have not received response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Southwest Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent Email, documentation, and FTC and letter to South West Recovery and Credit Bureaus advising that what ever they are attempting to collect is not mine, and they have not provided any burden of proof indicating that it is. I have never had any accounts with this company nor its affiliates. Southwest Recovery provided a false statement and reinserted an account on my credit file in which was previously removed. 
The below numbered sentences is what was provided to me by the Credit Reporting Agency.

1. The request to block information was based on a material misrepresentation 2. You have agreed in writing that the information was blocked in error 3.You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. 

As such frivolous statements were made, clearly this company is in violation of the law according to 1. FCRA Section 623 XXXX XXXX XXXX XXXX UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). 
2. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) XXXX. FDCPA Section XXXX ( b ), FTC opinion letter XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, No XXXX XXXX, XXXX XXXX. 
XXXX XXXX As such I am demanding that they DELETE DEROGATORY DEBT from all three credit bureaus ; XXXX, XXXX, and XXXX. If the information is not immediately deleted I will be forced to exercise my rights in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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  credit account XXXX with PROFESSIONAL DEBT ME has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states that a consumer reporting agency can not furnish my account without written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief