BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.

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 2020-07-10
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I had opened a BBVA Checking and Savings account under the promotion they were offering : BBVA Compass is offering {$200.00} when you open a new qualifying checking account and receive a qualifying direct deposit of at least {$500.00}. Use promo code XXXX. 
You can also get a further {$50.00} by opening a savings bonus by opening a new savings account. The savings account balance must be {$500.00} or more on XX/XX/XXXX. 

My account was opened on XX/XX/XXXX and I had numerous direct deposits hit my account over {$500.00}. I also had over {$500.00} in the savings account and still do to this day. 

I fulfilled the requirements to recieve the bonus and I reached out to BBVA to research. They told me I didn't have a promo code attached to my account and there was nothing they can do. I believe it's on them that their system didn't apply the promotion to my account when I used to promotion link and applied the promo code to the account online upon signing up. 
Their response to my inquiry : " I reviewed your account and was unable to locate any promotional offer coded to your account. The offer required that a code be placed on the account at the time of account opening. So unfortunately we are not able to add any codes once the account is already opened. You do not qualify for this bonus at this time. '' Please file a formal complaint on my behalf for the {$250.00} owed for the promotion promised by BBVA. 

Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: MI
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 and XXXX  account has violated my rights. 

1 : Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3 : XXXX XXXX XXXX XXXX 4 : XXXX XXXX : XXXX 5 : True XXXX XXXXXXXX : XXXX 6 : XXXX XXXX XXXX XXXX XXXX 7 : XXXX XXXX  XXXX : XXXX 8 XXXX XXXX XXXX XXXX  : XXXX 9 : XXXX XXXX XXXX : XXXX 10 : XXXX XXXX XXXX XXXX XXXX 11 : US DEPT OF ED/XXXX  : XXXX 12 : DPT EDXXXX : XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Fidelity National Information Services, Inc. (FNIS)
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have 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

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 and XXXX account has violated my rights. 

1 XXXX Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3  : XXXX XXXX  : XXXX XXXX : XXXX XXXX  : XXXX 5 : XXXX XXXX  XXXX : XXXX 6 : XXXX XXXX XXXXXXXX XXXX XXXX 7 : XXXX XXXX  XXXX : XXXX 8 XXXX XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX : XXXX 10 : XXXX XXXX XXXX : XXXX 11 : XXXX XXXX XXXX XXXXI : XXXX 12 : XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions

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 2023-05-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
don't see how my bank could've allowed these people to make so many transactions without alerting me POSSIBLY SUSPECT OWNER OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  Possibly a XXXX man that live in the back of goes by the name meaning Been arrested at XXXX XXXX XXXX XXXX XXXX XXXX California Scheme scammers bank fraud Dummies got XXXX XXXX to delivered to their address From US Bank and bank card information From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX, XXXX XXXX Subject : FRAUD TRANSACTION OUT MY US BANK ACCOUNT XXXX XXXX DELIVERY TO ADDRESSES To : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX Email : XXXX I XXXX XXXX XXXX do state the below state are true best to my sound mind ability and knowledge. 

I'm a XXXX XXXXXXXX Attorney Assistant. I do want to press charges with the District Attorney I XXXX XXXX born XX/XX/XXXX Social Security number ending in XXXX bank with US Bank. 

I called my bank today. Was informed that transaction were made between XXXX XXXX XXXX  Transaction like XXXX XXXX which would require a address for orders to be delivered. 

This should be a way to locate or get an ideal who been communicating FELONY bank fraud with my account. 

Seem like they were more active on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Stolen over XXXX out of my account. 
Bank informed me to file a police 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 explanation
Consumer complaint received 2022-05-20
Company: Bread Financial Holdings, Inc.
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off and closed my XXXX XXXX XXXX XXXX credit  card on XX/XX/2022 which included a {$35.00} late fee for being 1 day late. Weeks after I closed it comenity bank ( card issuer ) added an interest fee on and told me if I didnt pay it they would charge additional fees and interest. The fee was only {$2.00} however after having it paid closed and they sent me a letter showing it was paid and closed they randomly add additional " interest fees '' and then threaten more penalties if not paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  mailed a letter stating that the servicing of the loan was changing to XXXX Bank effective XXXX XXXX and to remit payments to XXXX Bank thereafter. 60 days of no late payments until complete. After XXXX weeks of calling back to XXXX Bank no official letter no official new mortgage account. I was then advised by XXXX Bank to call back to XXXX Mortgage. I called XX/XX/XXXX AmeriSave neglected to send correspondence stating they had retracted the service change to XXXX Bank charged a late fee for the XXXX payment then after requesting that it was unfairly imputed due to their violation in timely correspondence. The late fee was waived as a courtesy and now a negative report to my credit reflecting a XXXX point drop to my credit report showing a late payment on my mortgage. I believe this is fraudulent and purposed to cause harm after filing a complaint with my Alabama attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX XXXX {$1600.00} XXXX   XXXX XXXX {$480.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX   XXXX {$170.00} XXXX/XXXX {$400.00} CHAPTERB XXXX BANKRUTCY DISMISSED XXXX {$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 2022-02-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I used a XXXX issued by Wells Fargo to pay a fence company for services rendered. The XXXX said that I would be charged 5 % of the amount for which the check was written. 
I wrote the check for {$3200.00} for which I would be charged a fee of {$160.00}. When I went on to look at my statement, it showed {$3500.00} owed. I called the fence company to see if I accidentally made the check out for the wrong amount to which I did not. 
I called Wells Fargo 3 x 's to try to remedy this and they told me that the fence company charged me an additional {$300.00} for paying by XXXX. I called the fence company back to ask them if that was the case, IT WAS NOT THE CASE. 
Wells Fargo has charged me an additional {$300.00} and will not correct this issue. 
I believe they are perpetrating fraud on my account to get more fees!!

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day 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 2018-05-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX CBNA XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CBNA XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
The companies listed below are illegally reporting on my consumer report. They are blatantly reporting my NON PUBLIC PERSONAL INFORMATION in violation of Title 15 USC 6802 ( GLBA ) which states that a federally protected consumer like myself should initially be given NOTICE that I have rights to OPT OUT of credit reporting and these companies are in violation of the Gramm- Leach Billey Act ( GLBA ) I for transporting my personal information to non affiliated 3rd parties without my PERMISSION as I will sware to never receiving any " NOTICE '' in a court of LAW.

I want these items listed below Deleted from my consumer report ( s ) immediately as they are reporting without my permission and that is ID Theft! 

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 explanation
Consumer complaint received 2018-07-20
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Was contacted in XX/XX/XXXX by XXXX  XXXX XXXX to take over my student loans from XXXX for a lower interest and loan forgiveness program. Made 4 payments of {$150.00} starting XX/XX/XXXX to XX/XX/XXXX. Total of {$600.00}. Was told the fee was for them to take over student loans and be my new borrower. Got several emails from navient asking about payments because they never officially took over the loans. Tried contacting them several times with no response. Started receiving paperwork from another company called XXXX  XXXX XXXX. Contacted them and they said XXXX  XXXX XXXX handed my student loans over to them in XX/XX/XXXX. XXXX  XXXX services advised me to file a dispute at my financial institution to try and get my {$600.00} back because I should not have been charged to begin with and advised me to contact the trade commission and turn in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
requested to have this information removed several times after it was paid and contacted the company which the number listed with them was not going through and the original company had no knowledge if being sent to collections - as I was current and paid. 
I have disputed this to be removed and all would get back is it has been verified and updated. by XXXX several times. 
{$230.00} XX/XX/XXXX open date - XXXX XX/XX/XXXX Last reported. - XXXX I requested to have information verified and to send all the information requested from the date the account opened to current in which I wanted to know how this account accumulated to this amount and I needed the Original Signed contract and still did not get any information and this information is on my credit reports did not match at all. 
I have Disputed these below several Times which again I get the Has been verified and updated with no proof. 
{$740.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - open date XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - open date XXXX XXXX last active XXXX {$2500.00} XXXX open date XXXX XXXX Last active XXXX {$1500.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - Last active XXXX I asked to have information verified and then the companies XXXX, XXXX XXXX XXXX would respond Verified and Updated but I have no documents as proof. 
{$2000.00} XX/XX/XXXX - Open date XXXX XX/XX/XXXX - Open Date XXXX XX/XX/XXXX - Open Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have XXXX 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the 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