BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
try to prescribe to XXXX and then felt not right. I found a customer service number to call on XXXX to get my refund. then talked to someone with an XXXX accent and said that he needed me to download an app called viewer or the view so he said that I could directly see the refund in my account and had me log on to the account. He then had me enter the amount to be refunded. In that he said there was an error and showed that I had an extra XXXX dollars. so he said he was going to loose his job if the money was not refunded. He asked me to buy target cards to refund the other XXXX dollars. I was thinking that I was paying back this extra XXXX dollars but i was paying my own money and did not realize it until the next day. The number I called was XXXX and then someone called me from XXXX to even try to get more money.I contacted my bank and also made a police report. the report number is 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/2023 I sent TransUnion a form stating I am a victim of identity theft and requesting specific items be blocked from my credit report. Along with the form I also sent a police report, my drivers license, social security card and my FTC IDENTITY THEFT AFFIDAVIT. According to FCRA 605B once TransUnion receives my identity theft report along with a statement from me and other items that verify my identity, the reported information shall be blocked within 4 business days. 

Transunion sent me a letter on XXXX XXXX stating my request to block was denied due to my request being made in error. There is no way that transunion can reasonably determine that. I have provided a valid police report and I have satisfied the requirements of a block under FCRA 605B. If transunion does not follow the laws established I will have no chose but to sue them in small claims court for willful non compliance and damages. 

In addition on XX/XX/2023 I spoke with a representative from Transunion Specialized fraud team who is handling my file. And he claims he must first contact the creditor to confirm if fraud is found. This is not the correct procedure that should be followed. According to FCRA 605B once transunion receives information that a consumer identifies as identity theft, accompanied with verification of the consumers identity and a valid identity theft report Transunion MUST BLOCK the information without referring to the original creditor for validation of fraud. This confirms that TransUnion is not following the FCRA guidelines that are established to help consumers in these troubled times. TransUnion is Violating FEDERAL LAW I have also contacted XXXX about this and they are saying my police report is invalid which is unacceptable.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: CA
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 and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time

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 2023-04-11
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 need to get this issue resolved asap! I need them to read the letter that was sent and to note that XXXX phone number XXXX is no longer in service so there is no way we can call them direct to get it fixed. These credit reporting agencies are reporting and claiming to verify these accounts through a closed company. These accounts have a XXXX balance as shown by the Department of Education and XXXX wo is the servicers of the student accounts.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To start this debt should not of happened and had no real material value to the debt. At one time I had a good relationship with XXXX XXXX but they soured this through several acts of disservice. 

A fraudulent charge came into an account that I had at XXXX XXXX XXXX XXXX. This was after I had asked for the account to be closed. This charge was not PAID. Instead they charged an overdraft for a declined transaction. They then proceeded to keep overdrafting the account till it hit a time limit and they closed it out. ALL of this after I had closed the account. 

Years later I find this on my credit report. I tried to work with XXXX XXXX on this issue but they refused and pointed us to XXXX XXXX XXXX Since the amount was small ( XXXX ) we decided to just pay it and try to move on XXXX. However XXXX XXXX keeps updating this as an open collection with an updaid amount showing as a charge off every month even though we already paid it. We have tried to work with XXXX XXXX to close this out as they said they would but they are now refusing saying that the collection agency and only them can update them. They refuse to call or get any validation that this is paid and instead KEEP damaging my credit rating. We have disputed this information with the credit bureaus even attaching our receipt from XXXX XXXX XXXX but comes back as validated from XXXX XXXX XXXX XXXX. I am suffering real damages because this is effecting me buying a house for my family. I can not open an account with another credit union either because of this false claim. 

XXXX XXXX XXXX XXXX has been rude and not helpful at all. It seems the agents want to cause harm to people.

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 2024-01-02
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account summary to pay the hospital of XXXX dollars. When the number disappeared I did not receive anything from debt collectors through email or anything, one thing came in the mail but I live in another state for college. Due to this, the amount rose to XXXX dollars which does not make sense or explained. On the paper it says there was zero interest, and zero fees accumulated over this time, please fix the amount so I can pay a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-18
Company: Bread Financial Holdings, Inc.
State: OH
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:
On XXXX XXXX someone started making fraudulent charges on my card. They charged over {$30000.00} without the card company reporting any suspicious activity. All charges were made in XXXX and the XXXX. I've never been there. I was using the card in my home area of XXXX XXXX at the same time. How could I be in 2 places at once? This went on until I noticed something was wrong towards end of month of XX/XX/2022, called card company and cancled the card. The company told me in XX/XX/2022 that an investigation would be completed within 90 days and a copy of the report sent to me with their decision. I never received a report. They did clear all but {$790.00} and then began charging me interest and late fees. I have written them and called them and they have never answered my questions as what these charges are for and what their decision was with regard to my complaints. I've sent 3 letters and called numerous times. The last time I called they claimed that a response letter was on the way to me but almost a month later I have received nothing. I received my latest statement today and they are currently billing me {$840.00} but will offer no proof and answer no questions as to what these charges are for. I'm having difficulty finding a lawyer in my area to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX at approximately XXXX est while attempting to deposit a cash deposit using my atm debit card issued by Huntington Bank the kiosk experienced a system error and proceeded to shut down for no apparent reason. After contacting my bank located in XXXX, MI. XXXX immediately during this transaction a representative ( XXXX ) told me that the bank does not handle atm deposits they could not help and directed me to contact the phone number on the machine. After the machine shut down not returning my cash or my atm card and not issuing me a receipt I pulled away from the kiosk and contacted the number for customer service. The initial representation I spoke with was not able to answer my questions and concerns so I asked to speak to a supervisor and was transferred to ( XXXX XXXX ) who after speaking with for 15 mins began to open a case # ( XXXX ) in regards the error. I was informed that this sorta thing can happen and was likely due to a system update and the investigation process to return my funds and card can take up to 45 days. That is NOT acceptable! I stated to XXXX XXXX that I was not in a position financially to wait that long for them to due an investigation as I have obligations allocated for those funds. He ( XXXX XXXX ) also told me by filing a complaint with this agency, would lengthen the process and that they would not be held accountable for any fees or charges that I would incur because of the error in the machine. Again NOT acceptable! I am seeking the attention of this matter to be escalated to locate my deposit, my card and monetary damages associated with the company 's errors. I was not given the company 's name who handles the Atm kiosks by ( XXXX XXXX ) as he refused to provide me with that information repeatedly claiming it would be a security breach. ( XXXX XXXX ) also provided a false corporate phone number for Huntington bank and expressed to me that by bringing this matter to your attention and/or to the attention of the public via social media I would be risking the possibility of a possible unsuccessful return of the investigation. Given me an ultimatum to not voice my opinion is a violation of my rights NOT acceptable. So many things are wrong here I dont even know how this could ever happen to anyone and take so long to rectify, I'm absolutely horrified at how this bank operates and will be closing my account as soon as this matter is adjourned with compensation in my favor for having to undergo this whole process. Thank you for seeking a positive outcome on my behalf I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OFFICE OF THE ATTY GEN XXXX, XXXX XXXX XXXX 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 an 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 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 2021-09-09
Company: EQUIFAX, INC.
State: NJ
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:
HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( XXXX XXXX, EQUIFAX, XXXX ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I called transunion as I had already pulled a credit report from XXXX and saw there was Inquiries on my credit multiple times that I did not recognize. I had reached out to these companies and they said that I am not on file anywhere to get ahold of the credit reporting agency that listed the inquires. I did so and spoke to XXXX XXXX  and he stated he could not help me. I asked for a supervisor and got a gentleman named XXXX and he stated he could not help me. So I am filing this complaint in hopes to get the inquires off that are not supposed to be there : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Thank you for your time.

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 2018-12-17
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called in XX/XX/2018 to get a fee waived for late payment. I advised the representative the payment had been made a week before its due date. He indicated I had to many fees waived in the past, and I would have to pay the full amount because it was received late. I advised the representative I would pay, but to cancel my account. I sent in a payment for the amount noted. Sears went bankrupt and turned over collections to Citi Bank. I start receiving robo calls from Citi Bank in XXXX. I wrote a letter to Citi Bank XX/XX/XXXX asking for the calls to stop, and noting the account had been paid in full and canceled. I received a letter back stating to call their collections representative. I called and have not been able to speak to an individual. All the numbers listed go to a touch tone service for arranging to make payments. Since I do not have a Citi Bank account, the number for them simply cuts off. The collection agency reported the incident to the credit bureaus, and it has negatively impacted my credit rating.

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 monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$170.00}

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 2022-07-12
Company: EQUIFAX, INC.
State: AZ
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 list of inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the inquiries listed below : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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