BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: NC
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:
investigation has been more than 30 days with no response. i have reported incorrect information on credit, requesting it be verified or deleted within 30 days. It has been almost 2 months since original writing of letters and still no response via email or address in which I provided. Since the investigation took longer than 30 days ( almost 60 ), a violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) has been made. This violation has affected me from being able to get housing and other assistance highly needed during the rough times of the pandemic. I will attatch proof of letters that include dates recorded for sole purpose of business.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
investigation has been more than 30 days with no response. i have reported incorrect information on credit, requesting it be verified or deleted within 30 days. It has been almost 2 months since original writing of letters and still no response via email or address in which I provided. Since the investigation took longer than 30 days ( almost 60 ), a violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) has been made. This violation has affected me from being able to get housing and other assistance highly needed during the rough times of the pandemic. I will attatch proof of letters that include dates recorded for sole purpose of business.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Nathan & Nathan, P.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good Afternoon! 


My name is XXXX XXXX. I am writing this email in an attempt to seek advice on how to respond to a court summons that was issued by XXXX Bank filed in XXXX XXXX Ga. 

Years ago, I defaulted on my XXXX XXXX with a balance between XXXX and XXXX of charges and interest. I fully acknowledged that the debt is mine and the charges were made by me. That being said, the card was charged off after I had a major change in income and lifestyle. I entered into a monthly payment arrangement with XXXX at the amount of approximately XXXX dollars a month to keep this debt from being sent to a collector. In early XXXX the monthly payments stopped, and the account was sent to a collection 's agent ( law firm ) Nathan & Nathan. 

I called XXXX to see if the arrangement could proceed and was told there was " nothing they could do '' since they no longer owned the debt. 

Nathan and Nathan were called to see if we could settle the debt for less than owed, my contact was XXXX XXXX. They did not take my offer seriously ; at which time I asked if I could pay THEM the same amount of money per month as I had been paying XXXX. The offer was declined. I explained that as a waiter in a restaurant, a monthly payment would need to be reasonable. 

I am fully willing to resume paying a fair and reasonable monthly amount to keep any further legal issues from arising. I am due to appear in court to answer this summons on XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Affirm Holdings, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit. I identified a discrepancy with an account listed under Affrim Inc and validation was requested as this was an account I didnt recognize. I reviewed my credit report again XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor 2nd validation letter was sent out on that day. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the access nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: OH
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:
Upon reviewing my recent credit report, I noticed an inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

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 2021-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX-Account # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXN- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NA- Inquiry XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/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 2018-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I paid my XXXX XXXX XXXX ( XXXX ) bill on their website, I inadvertently used my closed Wells Fargo Checking Account. I contacted Wells Fargo on XX/XX/XXXX at XXXX XXXX  ( PST ) and spoke to customer service, I think his name has XXXX. I told him what I did, the amount, the date, payer, verified the old account number and he put me on hold came back after speaking to his supervisor not to worry about it, when the check came in it would cross over to my new checking account and get paid. I asked again and he said do not worry about it, it will be alright. It will be paid. Now with this information from Wells Fargo I though I was covered, I do not need to submit a corrected payment the XXXX, Wells Fargo has it covered. NOT SO. I received a letter from XXXX dated XX/XX/XXXX stating my check was returned by the bank and a {$7.00} returned check fee has been charged to my account. I had to pay {$150.00} to avoid going to collection. I now have a check restriction on my account for the next six months. I called Wells Fargo when I received the letter on XX/XX/XXXX and a case was opened with Case Management. Case Management told me that they would listen to the conversation on XX/XX/XXXX. I called Case Management back on XX/XX/XXXX spoke with XXXX XXXX who told me they would give me the {$7.00} back and that is it, this does not cover the additional charge XXXX is going to charge me for paying my bill late. I'm waiting for my next bill. She refused to let me speak to her boss XXXX XXXX and refused to give me the directors name. We went around and around about a letter, and in my situation they do not have a form letter available, I told her then they need to write up a letter for my situation. She kept referring back that I wanted Wells Fargo to take the blame for the entire issue and I told her no, I know I made the initial error, but I called Wells Fargo and was told that Wells Fargo would take care of paying the check. I relied on what Wells Fargo told me. Then she hung up on me.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2023-04-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2023-08-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was intending to cash a payroll check that was issued by HSBC, the teller told me that I would need to deposit the check in an account because it was too large. So I indicated that I would like to open a checking account then. He looked at me in utter disgust, proceeded to hand me the check back and said " you need {$40000.00} dollars to open an account here '' I never felt so low, nor have I ever experience and form of XXXX. I left at first and then check the terms of opening an account and this man excluded two other options for opening and maintaining an account and one of them was maintaining a monthly balance that was less than the check I wanted to deposit. When I called customer service they confirmed that what I was told was incorrect and asked me the persons name, apologized and said that they do not tolerate that at HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NV
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:
I don't comprehend why I have to repeatedly file complaints regarding an issue that the creditors assured me they would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: SC
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 submitted bank statement, and disputed the claim twice to the credit reporting agency about the incorrect information furnish by the loan company saying I was late 30 day on my loan. The results was that the claim was valid. Then I wrote letters to the credit reporting agency and the loan company, 30 days pass and I didn't get no responses from either the credit reporting agency or the loan company. I even called the loan company still nothing was done. So the next step was submitting a complaint.

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 2018-08-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/2018 at approximately XXXX XXXX, I received a phone call from a person whose name was XXXX XXXX from XXXX at the XXXX XXXX XXXX in regards to a legal matter that came across his desk with my social security number. He then said the last four digits of my social and said that I had fraudulent charges pending. That If I did not return his call and give a statement it would result in an immediate summon at my residence or work place and possible cash man of wages. They said for me or my representing Attorney to call them back at XXXX ext. XXXX. I called back the following day at XXXX and a man answered phone and began harassing me and trying to force me to give a statement. They said they were going to record me and use it in the state of law court. I asked them to send me a validation number and that I would not release any information before this is done. They kept trying to harass me and tell me that they were serious about the charges. I ended the call and called Ace Cash Express directly. I was informed that they had sent my collections to a different Agency for holding and that they were not the ones calling. I'd like to report this scamming agency that have the phone number XXXX, threatening to appear at my job and call my employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
XXXX  XXXX credit card does not belong to me. I did not apply for this line of 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 explanation