BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-01-25
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my account for inactivity without notification despite the fact that it was in good standing for 24 years. This has caused my credit score to lower and is disrespectful to a long standing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-01-05
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I applied for a rental advertisement, signed a lease agreement, and wire transferred the first month and security deposit to the scammer 's account. A few days later the scammer requested I send additional funds before sending the keys to the rental. I filed a police report and called my bank, Navy Federal Credit Union, but they claim because it was an ACH transfer there is nothing that can be done about it. I called the scammer 's bank, XXXX, who also claims nothing can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX  {$XXXX} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I mistakenly sent {$200.00} to the wrong person. They had the same last name as the person that was supposed to get it. I immediately logged on and tried to stop the transaction, but it was already complete. I then immediately called Wells Fargo and asked them to reverse the charges. They created an inquiry ticket and told me they would " research '' and let me know in 7-10 days. I spoke with XXXX who was kind of rude which is surprising because their customer service is ALWAYS XXXX. 

On Wednesday, XX/XX/2023 I called back to follow up and see if they could issue me a conditional credit. They said they were unable to. When asked why they said because it wasn't their fault, but there was a claim out there with the bank I sent the XXXX too, XXXX XXXX. So they had no answer for me. 

Today, Friday, XX/XX/XXXX, Day XXXX, Wells Fargo said the claim was closed. How, XXXX? 

I am in no financial position to lose {$200.00}. I need this remedied immediately. 

Thank you.

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 2023-10-21
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir/Madam, I am writing to formally file a complaint against Revolut Ltd , a financial services company, regarding the arbitrary closure of my account and their handling of disputed transactions. 
I have been a customer of Revolut Ltd for over two years and have generally had a satisfactory experience with their services. However, recently I have faced issues that put the integrity and reliability of the financial institution into question. 

In XX/XX/2023, I initiated a chargeback request against a company named XXXX, which I believe manipulated trading results to their benefit. I followed the proper procedures and presented sufficient evidence, including screenshots and documentation, to support my claims of unfair trading practices. My request was declined by Revolut Ltd, citing regulations and rules without adequately investigating the matter. 

Soon after this, I discovered that my Revolut account had been permanently closed without any clear explanation. I was merely advised to check their Terms and Conditions under Clause 24, which outlines possible reasons for account termination. However, none of the conditions listed apply to my case. 

The timing and manner of these actions have put me under immense financial and emotional stress. Revolut 's actions appear to be retaliatory following my dispute with XXXX, and I question the ethics behind such abrupt and unsupported decisions. This situation has not only caused me financial loss but also shaken my faith in the financial system that is supposed to be secure, transparent, and customer-friendly. 


Thank you for your attention to this matter. I look forward to your swift action. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent the bureau a certified letter more than 30 days ago that included proof that the discharged student loans were supposed to be removed from my credit report. I sent them what it studentaid.gov has listed on their website and the letter that was sent to me both stating that when they were discharged due to the school submitting fraud they were supposed to be removed from my credit report. This bureau has intentionally broke the law by ignoring all of my disputes and information and keeping the negative information on report. This has negatively impacted my ability to secure credit and get housing. I have stated this to the credit bureau but they continue to ignore my requests and not adequately investigate and remove the information. I have included proof with this complaint also.

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 2020-04-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my credit reports. I disputed the accounts and still haven't gotten a response

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 2020-04-10
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is denying me the ability to log in to my account in order to control things like freezes and other settings. 

They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. 

They said that I would have to make any account changes by phone ( hours long waits ) or fax ( don't have a fax machine ) until the end of time, they would never stop refusing to fix the issue. 

I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to control it. 

The individual I spoke with was : XXXX ID : XXXX of the Fraud Dispute and Online Department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: AZ
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 contacted all XXXX XXXX reporting agencies regarding section 605B of the Fair Credt reporting Act and sent police report, FTC Identity theft report, utility bill, ID and Social, I am requesting XXXX XXXX XXXX XXXX - {$19000.00}, XXXX bank - {$10000.00}, XXXX- {$530.00}, XXXX XXXX XXXX {$1200.00}, XXXX/XXXX XXXX - {$800.00}, XXXXXXXX {$5900.00} and XXXXl XXXX XXXX accounts not sure the amounts to be blocked from my credit report as my identity and identification purse was previously stolen, ive notified FTC, Social security administration, All XXXX credit reporting agencies XXXX and now the CFPB i need this resolved immediately off my credit please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: AZ
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 contacted all three credi reporting agencies regarding section 605B of the Fair Credt reporting Act and sent police report, FTC Identity theft report, utility bill, ID and Social, I am requesting XXXX XXXX XXXX XXXX - {$19000.00}, XXXXXXXX XXXX  - {$10000.00}, XXXX- {$530.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX  - {$800.00}, XXXX- {$5900.00} and XXXX XXXX XXXX accounts not sure the amounts to be blocked from my credit report as my identity and identification purse was previously stolen, ive notified FTC, Social security administration, All 3 credit reporting agencies XXXX and now the CFPB i need this resolved immediately off my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid debt in settlement offer XX/XX/2018. I'm currently in the final Escrow stages of my home loan and need proof of payment. I have seen reviews on this company and the are horrible. Consumers reporting harrasing calls, requesting payments after debt was paid, lack of reporting to credit reporting agencies. As precaution I have recorded my phone calls with USCB for my protection for dispute .By law a Company/ Debt collector has 7 days to provide proof of payment. I have hired XXXX XXXX as my lawyer if this issue can not be resolved within the time I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$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 explanation
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Monday XX/XX/2023, I was scammed at a XXXX XXXX. The aggressor took my phone from my hands and sent herself {$1500.00}. The agreed amount was {$100.00}. She took advantage of me and intimidated me to trick me into sending her money. 

That night I made the claim with Wells Fargo and soon after made one with the police. Wells Fargo almost a month later closed my claim. They said they do not accept police reports as support for their investigation.

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 2020-04-10
Company: Monterey Financial Services LLC
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: Account information incorrect

Complaint:
I have no knowledge of this account.Monterey debt collector is attempting to collect monies from an account unbeknownst to me which is a violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: IN
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:
Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.

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 2022-08-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
This complaint is in regards to Nissan XXXX. I purchased and financed a vehicle for my sister as a co-signer to get her a new car and help build her credit. There was a technical error that involved payments not being withdrawn from my account. The issue went undetected for 3 months because I never received any written statement, phone call or email regarding the issue. Because my Sister was listed, she was the primary contact and never answered the call because Nissan may look like a spam caller.

My credit score has always been emmaculate and cash on hand has always been 4x this assets value. I reached out to explain my issue and was told to take it up with XXXX, their investigation did not result in any fixing of the issue. 

I have obtained an attorney and was told to start here with CFPB. Because of this issue, my credit score tanked XXXX pts ( somehow I didn't even get alerted. ). This impacts me greatly and affects my ability to buy a home if I choose to. 

I'm looking for assistance to work with Nissan to get this resolved. The automatic drafting has worked since speaking to their support. I have all records of cash on hand, credit history, and automatic withdrawals working now to support this case. 

Please halp XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: I.C. System, Inc.
State: IN
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:
IC Systems reported to the Credit bureaus that I opened an XXXX XXXX XXXX  account on XX/XX/2023 and owed {$1300.00}. Then reported that I was delinquent and the account was open, which seriously hurt my credit rating. I do not have an open XXXX XXXX XXXX account. This debt was reported by other collection agencies last year and this was disputed and had to be removed. IC Systems is illegally trying to re-age this account. I am sending a letter to them requesting all account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I Have been a cardholder with Macy 's since XXXX and have always maintained a great relationship with them. I recently was informed that my account was shutdown XX/XX/XXXX for no apparent reason. I called to ask about my account status they told me I had XXXX balance and it was closed. Shortly after the phone call they sent me an email stating the closed account. This has affected my credit history and put me in a position where I can't get a house due to lack of history. They never gave me a notice what so ever.

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