BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: AL
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 XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED / XXXX : # XXXX, # XXXX, # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX 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.

These inaccuracies are preventing me from obtaining a credit card and purchasing a home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 " validated '' the debt I disputed XX/XX/2023 for XXXX XXXX. I have NO IDEA what this is, where it come from and it is now affecting my ability to apply for a mortgage! They validated the debt with out anything I required ( within 30 days, the original signature on the contract ). TransUnion and XXXX have not removed the debt either and it's been over 30 days so this should be removed on all bureaus.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, I had a {$0.00} ( XXXX balance on my US Bank card. On XX/XX/XXXX, fraudulent charges totaling {$1800.00} were made to my card. I alerted US Bank, and they shut down my card, conducted an investigation, confirmed the charges were indeed fraudulent, and credited my account in XX/XX/2023. ( See attachment # 1 ). Then at the end of XXXX and every month since I've been getting statements with different random balances for another charge that I did not authorize and/or late fee charges. I've reached out to US Bank 's fraud department on multiple occasions and I've spoken to numerous people, including a supervisor named XXXX, and was told different things ; ( i ) we're looking into it ; ( ii ) our system is down ; ( iii ) it's very difficult to remove interest and late fee charges incurred due to fraud. Meantime, they keep sending me statements with additional charges and they keep threatening to report me to the credit bureaus.

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 2020-05-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX I signed a loan modification agreement with XXXX  XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to XXXX. XXXX did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and XXXX reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement. 

I have provided this documentation to XXXX ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am requesting that it will be removed from my credit 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: MS
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 explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect addresses I have disputed this address for last year and a half with credit bureaus alerting them that this is and was never my address. They keep coming back saying its verified and that can absolutely not be correct. They have no other reasoning. 
This address is inexplicable on my report and its clearly an indication of 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 2022-12-21
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I was trying to complete a refinance with XXXX XXXX XXXX started XX/XX/XXXX. They were inquiring about the forbearance started with 5/3 bank in XXXX of XXXX. 5/3 advised me that my forbearance would NOT count against me, because it was started under a covid disaster forbearance. When conducting a verification on a taped line XX/XX/XXXX with XXXX XXXX the representative stated that during my forbearance there were 4 ( 120 days ) missed payments. The 5/3 rep stated that improperly and then tried to back track her statement. The 3rd party verifying company put into my file that I was 120 days late off of the improper information of the 5/3 rep. This adversely caused XXXX XXXX to terminate my loan application. I was suppose to close this Wednesday XX/XX/XXXX The other issue is when you come out of forbearance they ( 5/3 ) advise you to make 3 trial payments as a temporary program until your loan mod is completed. Those payments are XXXX, XXXX, and XXXX which don't get reported I guess and then the loan XXXX is completed in XXXX. They move XXXX 's payment to the back of the loan just like you guys will when this loan closes which is why my 1st payment is XX/XX/XXXX. Which is in the letter I sent. The system will let me log in, but I can not access the trial packet anymore. I sent a screenshot of the website. When the third party rep talked about chargeback, 5/3 bank activated XXXX bill payer without my knowledge and overdrafted my account in XXXX not XXXX. I contacted them in the letter afterwards and stopped the autobill payer. The chargeback was for XXXX 's payment NOT XXXX. XXXX 's payment was made on the XXXX thus again there isn't a 120 day late period. The 120 days is the loan modification trial plan period that if you don't follow they won't modify your loan in the first place. Again these trial payments don't get reported. The rep from the private company again never asked any questions to clarify and just put whatever he wanted in the file. I received the verbal denial XX/XX/XXXX. The written denial I have not received yet. XXXX XXXX has the audio recording of he telephone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: WELLS FARGO & COMPANY
State: TX
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:
On XXXX XXXX XXXX I received an alert via text verifying a purchase at XXXX XXXX. I told them no. There was also a charge for XXXX from XXXX XXXX XXXX XXXX right after that too. I told them no to that charge too. They asked me if I had ever been to XXXXXXXX XXXX I said no and I didnt know what it was. They asked if I had been to the XXXX XXXX XXXX XXXX. I said yes but not that location. I googled XXXX XXXX XXXX says they are in XXXX XXXX area and now I know they also have a galleria location and XXXX XXXXl too. Its an apparel store and the other is an ice cream cookie store. 

I called the WF rep. and began my claim. They reversed the money and credited my account. I got a series of emails almost daily saying they are looking into my claim. 

Last XXXX XX/XX/13 I was on my way to get lunch w family and then I saw my account was negative because they reversed the claim. They pinned the XXXX charge ( {$180.00} ) on me. They never reversed the XXXX XXXX XXXX for XXXX i was credited for that, This was my day- on wed XX/XX/XXXX. I just received my pay check from my XXXX XXXX job direct deposit. I was on my way to my XXXX job at a XXXX XXXX when I stopped at a XXXX XXXX XXXX  on XXXX XXXX and swiped my wells fargo debit card outside. I then went to work and worked XXXX then went to my XXXX appt at XXXX in XXXX XXXX XXXX XXXX. After my appt. I swiped my WF debit card at the XXXX parking garage for {$7.00} around XXXX. Then I headed home and stopped in XXXX XXXX to get something to eat and that's when I was alerted there was a charge at XXXXXXXX XXXX the transaction showed it was used around XXXX. I believe my card was copied at the gas station pump among several other cards robbed that day and then duplicated and then used to shop and steal from me. Prior to the gas station, all previous transactions were mine, but not XXXX XXXX and XXXX XXXX XXXX. 

After my lunch wed XX/XX/XXXX  I was livid. I spoke w Wells Fargo rep and they said they " ruled '' against me basically and that was it. I questioned their " investigation '' and they had no more feedback for me. I can not believe this is how they handle their customers!!! Their investigation was awful too I actually swiped my card in the med center parking garage and XXXX XXXX XXXX XXXX XXXX and can prove this while the thieves were shopping on my dime. Wells Fargo expects me to be a victim twice.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: LA
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 explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: MA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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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 2022-12-21
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-03-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I constantly get snail mail saying someone opened up a PayPal account in my name. I get it maybe once a year. This was the first time I got a charge for a credit card opened up through I guess PayPal credit. Its with PayPal/synchrony bank , both of which I do NOT have an account with. I called the number on the mail, but Im afraid to give any information because I dont know if its a phishing number. Anyway, Ive been ripping the bill up for the last 2 months, but the charge made it into my credit report, so now Im trying to get it wiped. SYNCHRONY BANK ( if it was them that I talked to ) said the card was opened up in my name last year, and there werent any purchases. They just sent money to a location I guess The charge was XXXX now it something like XXXX because of late charges added on.

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 2020-08-04
Company: Nelnet, 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:
There were not payment required from XXXX until XX/XX/XXXX due the virus ; however, Nelnet is showing late payments for XXXX and XXXX XXXX XXXX. I was never late and I'm requesting METHOD OF VERIFICATION  AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
My Detail first : Name : XXXX XXXX ( First / Last name ) Address : XXXX XXXX XXXX, XXXX, NJ XXXX Phone # XXXX email address : XXXX Complain Description : I Initiated international wire transfer from Chase Bank of amount USD XXXX on XX/XX/XXXX to the recipient located in XXXX ( XXXX ). I was charged {$50.00} as transaction fee by Chase bank for the international wire transfer. However, on XX/XX/XXXX, my XX/XX/XXXX, funds of USD XXXX ( {$75.00} less ) were returned back to my checkin account with chase bank. I called chase bank and I was told by rep that funds were returned as there was no IBAN ( routing ) number provided. Chase bank returned back {$50.00} transaction fees, however, the {$75.00} were charged by XXXX bank were not returned. Chase bank rep says that the amount was charged by XXXX, so they should return it. But when I call XXXX they say it is the initiating banks responsibility to provide all the details and they should refund the amount. 

When I initiated transfer with Chase bank, I provided all the required information ( name of recipient, swift code, bank account number ). I was NOT asked for IBAN number, so how would I provide the number. 

Both banks are not agreeing whose fault it is. At the end, I am suffering {$75.00} for their disagreements. 

I am attaching wire transfer receipts and also screenshot from my bank account with removed unrelated information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26
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:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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