BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 to the fair credit reporting act. Then account listed below, have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
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 Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 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 items of information other than records of conviction of crimes which antedated the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person may not furnish any information related 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 following companies has violated my rights. 
15 U.S.C. 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. 

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
Consumer complaint received 2023-05-22
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/, I reached out to Discover to discuss my credit card debt. Discover reported that the debt was charged off in XXXXXXXX  to XXXXXXXX XXXX XXXXXXXX XXXX. I did not understand why because I was making a flat payment of {$50.00} to discover that they stopped and did not inform me. 
Discover quoted me {$2000.00} that I still had to own. However, XXXX and XXXX XXXX said I had to pay {$4000.00}. 
I disputed but was decline so I disputed again. XXXX and XXXX as not been helpful and down right rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On today a stranger came to my residence inquiring about my house being on the list for XXXX XXXX. I explained to them that my house is off the market. Then later on this afternoon I gets an annoying constant calling and hang up calls from XXXX XXXX XXXX XXXX XXXX. And I made several attempts to contact the main contact person XXXX XXXX @ XXXX XXXX XXXX however theres been absolutely no return calls whatsoever. Then on last weeks recorded conversation with a Wells Fargo Customer Service Representative they informed me that the XXXX XXXX XXXX acts independent of them and can put my home on the Sheriffs Sale list whenever they feels like it. These are nothing but retaliation tactics for reporting them to you all. So then Wells Fargo lies again claiming that my residence isnt up for XXXX XXXX but the attachment today that I got only says otherwise. Im sick and tired of their constant prejudice and discrimination game playing due to my disabilities.

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 2022-12-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
As of XX/XX/2022, TD Bank changed my savings account and started to charge a fee of XXXX dollars for transfers. I have never approved a change of my account and have never been charged the XXXX dollars. Its been close to XXXX dollars in total that they have taken from me. I would like to get that money back. I have had this account for XXXX  years and only recently did they start to charge me, because of a change in my savings account that i was never made aware of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-08-10
Company: EQUIFAX, 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:
Equifax file # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Last four of SSN:XXXX I have sent numerous letters and phone calls trying to remove 11 fraudulent inquiries from my account. This is my second dispute with Equifax this information on my report is not accurate and it is fraudulent. There have been an investigation done but did not provide me with any evidence that I approved my credit to be ran. These inaccuracies are hurting my credit profile and I want them removed. There credit inquiries I am disputing are : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXXXXXX XXXXAccount name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
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:
The Pennsylvania Attorney Generals Office advised me to contact you to file this complaint.

I am trying to help my son with a credit score issue. He was recently denied a vehicle loan and a mortgage because after having loans since XXXX and having a credit score in the XXXX, the three big credit scoring agencies are listing him as unscoreable. After weeks of trying to get through to a live person at XXXX, he was told he is listed as unscoreable since he hasn't had an active loan ( or credit card- which he has never had and refuses to get ). We both know multiple people with no active loans or credit cards who still have a credit score. He was told he needs to open a credit card or take out a loan. The problem is, he can't get a loan without a credit score and he can't get a credit score without a loan. Can you please tell us how we can get this matter resolved? We are at a loss at how to proceed. It doesn't seem fair that all of a sudden, after all his previous loans are shown on his credit reports and " paid on time, no issues, closed '', in XXXX of XXXX his credit score was XXXX and in XXXX of XXXX it was XXXX and now, he is unscoreable. If these loans stay on his credit report for years, why is he listed as unscoreable? All these credit reporting agencies need to do is look at his report. To not have any score at all, out of the clear blue sky and without any warning at all is causing him nothing but problems. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized inquirie. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX BANK XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK  XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK 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 BANK XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: The Bureaus, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a fraudulent account reporting on my credit file ; The Bureaus ( Original Creditor XXXX XXXX XXXX_XXXX XXXX This account was opened fraudulently and currenly has a balance of {$1000.00}. 

I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. 

As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained this loan in a tight spot due to a family emergency. Never did I imagine this con artists would still be trying to rip me off after paying over {$15000.00} on a borrowed loan of {$3100.00}!! I put an immediate cease and desist on them because after setting up arrangements on my payday every month of the XXXX, they continued to harass me via email, which I NEVER gave them authorization to do so but only for receipt of payment, as well as ridiculous calls to my cell and work. My attorneys, who I worked for grew concerned and asked if I needed assistance, but I wanted to take care of it myself. I replied to their emails in an angry and unprofessional way but they stopped contacting my cell. Recently in XXXX and XXXX, they left voicemails again and apparently tried my work again. I took screenshots and have attached the ones they left messages on. They also illegally took money from my account when I informed them of this. I spoke to a manager who acknowledged they got the notice but they did nothing. My bank finally refunded me all the fees and monies while I was furloughed in XX/XX/2020. They are negatively impacting my credit and refuse to satisfy this debt after paying over {$15000.00} on a loan of {$3100.00}. They need to be criminally investigated and I am seriously looking into a legal class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was really young, I believe just turned XXXX. My Dad took me to get a credit card with a {$500.00} limit, he ended up using it and defaulting on it without me knowing. I was in another state when my parents split. I am now XXXX and ready to start properly using credit cards, I even took a course on using them properly. I was told to come to this website to get that account wiped off my credit report. I really want to start with a clean slate so that I can truly build my future and relationships with the banks. I have since then built a multiple six figure business that is pushing out XXXX in expenses a month. I can be earning points with this but I am not because of my Dad 's ill minded mistake 5 years ago. Just now found out. 

XXXX XXXX, XXXX ( 4 yrs, 7 mos ) Was when the card was opened and {$800.00} was used until XX/XX/XXXX and this was with Wells Fargo. 

Please help me remove this so I can start fresh. 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 explanation
Consumer complaint received 2022-12-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was fraudulent activity on my son 's account and CHASE bank did nothing to close or freeze his account. Unfortunately my son received a text from XXXX claiming to be from CHASE : Your debit is temporarily locked due to an unauthorized transaction. Review & Confirm XXXX XXXX XXXX  step My son click and they were able to hack his phone and obtain all his information. They changed his password and sent XXXX payments to two individuals through their phone on XXXX. I had open 6 complaints to indicate why my son wasn't notified of such transactions. They claimed it came from his phone which my son never authorized it. He has a CHASE app and would not go through XXXX to do such transactions to another state at XXXX. My son called them as he was not aware of what was happening on his account until he made a food purchase and said he was low on funds. The claims agent I spoke to said there was fraudulent activity of someone trying to open an account under my son 's name but was declined. My son was never notify of such issue. If CHASE was aware of such activity they should of froze my son 's account until they reach him. CHASE did not protect my son and should of have more confirmation from son 's through email or phone. This happened in XXXX, now CHASE sends multiple notification before sending XXXX, this measure should of been happening months ago. These scammers found a way to trick us. CHASE refused to look further as I provide phone message and calls when his phone was hacked. I was told that they don't even look into a claim, they refuse on the spot. They only open out of curtesy. The bank was aware and didn't nothing to stop these people from steeling my son 's money. They claim to record our phone conversation, as we ask for proof of my son ' approving such transaction and they refused. This happened XX/XX/2022 total stolen was {$510.00} with CHASE, this was my son 's college fund that he had save for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: AR
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 received a letter in the mail that I was sent to collections. I immediately took actions and got a copy of my credit report to see why this was reflecting on my credit and why in the world this collection bill was under my name. My identity has been compromised and I need these fraudulent items off my 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