BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: NJ
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:
I am XXXX XXXX, and I am the author of this complaint. The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you- Equifax, may require. The hours spent- resolving this activity are traceable and recoverable. 

Because Equifax - exposed and shared my PII - data, this accuracy and its failures, are being reported - again. 

There have been greater than 5 attempts to fix this issue, and the issue remains. 

The last complaint is attached. 

The issue - 1. My Physical Home Address continues to be updated at Equifax 2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX- is not, my current address. This has been disputed to Equifax- and on numerous occasions. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data - even though, there is a date stamp, and- they can see who sent what, and on what date. 

6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax. Access to my own credit data is prevented when it does not match 7. I have NOT caused an inquiry to EQ, with any data 8. Applications for credit - where mismatch occurs, may also be impacted 10. The Last Reported Date, for the Address in XXXX NJ- you EQ - store, is XXXX XXXX, 2021. 

11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXX Unit XXXX Summit NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 5 years, to update my contact information. The impact to me is devastating. Communications, and the like, validation of who I am- is impacted by this fraudulent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this Complaint as a follow up to the previous Complaint I submitted expressing my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX, XXXX, and Transunion are not reflecting my credit report with the exact same data. Some accounts are reported and some are not across the XXXX Credit bureaus. 
XXXX, XXXX, and Transunion are not Metro2 Compliant.

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 2019-09-24
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, I recently took out a new TD Cash card. My new account number ends in -XXXX. I have another TD Cash card that was closed due to inactivity ; that card ends in -XXXX. 

I activated my new card today -XXXX. When I logged into my online account, my old closed card -XXXX appears instead of my new one. 

I called customer service to get my new card -XXXX added to my online account. My username is XXXX. They advised that I would need to create a whole new account for my new card, which I don't think is right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two months ago, I cancelled a few online purchases as start of covid 19,  my home nurse said try to have my aide purchase as much necessary items as possible in one trip. My bank ( PNC ) froze acct. Cause of cancelling online non essential purchases. They opened a new account with me there, but I still have to call every month to get money put in new account. My deposit was two days ago, and I have been calling. Now its tomorrow or next day. I want to dump them and get my ss put on a XXXX XXXX card. They are SO RUDE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-12-06
Company: REGIONS FINANCIAL CORPORATION
State: LA
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 XX/XX/2022 my property was stolen from my vehicle. This included my phone, wallet, and gym clothes. My sons mother witnessed the theft and filled out a police report with the XXXX XXXX police department in XXXX Louisiana. ( Report # XXXX ). My phone is set to stay unlocked in my vehicle which gave the thief unauthorized access to a few of my online accounts. In addition the thief had my wallet which contained my regions bank debit and credit cards. Subsequently this person, maxed out my credit cards and cleaned out my bank account. The person was obviously skilled because they did it in a matter of moments while maintaining a relatively close distance to my vehicle while doing so. As a result, I myself also filled out a police report to document the fraudulent charges and report my items stolen personally. This report was also filed with the XXXX XXXX police department in XXXX Louisiana. Report # XXXX. I received an email on my desktop alerting me of a large cash app transaction. I immediately responded that it was not me who made the charge. At which point my debit card was deactivated and I made my way to the bank. I was told I had to wait until after that charge had finalized to file a dispute. So I did as they instructed me. When I filed a dispute, I told the banker at the branch that there was police report associated with this claim. 10 days later, I was told my claim was denied, but that they had no information about a police report on file so I gave them the information again they re-opened it only to deny it again. With the reason stated that because I had use cash app in the past they would not approve my claim. However, had the investigator even taken the time to read the reports they would know exactly how this transpired. This person stole my social security XXXX check and I am the only person who will suffer as a result of the poor investigative skills and lazy handling of the investigators with REGIONS BANK. Who saw fit to deny my claim with 2 separate police reports documenting the situation.

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 2017-05-06
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended  XXXX   XXXX   XXXX   XXXX  at which time I had taken put student loans. At the time i was empoyed with a position that paid higher than i would have received following completion of school. I was able to do a deferment a couple times, then became homeless for some time. I tried to set a deferment based on my circumstances. However it was denied becuase i had already defaulted. For a year p r two i  was receiving statements from   XXXX   XXXX  ,  XXXX  And federal student aid. Over the years I have been garnished my wages, had tax returns taken ; {$1500.00}, {$5400.00}, {$4700.00}, {$3800.00}, {$750.00}, my original loan was {$5600.00}. I was told i woud recieve notice where my tax rerurns were applied, I never received anything. To date i owe {$26000.00}. I have spent the last  three  years serving as an   XXXX   XXXX  , during the terms of service i am allowed my student debt to be free of any interest from incruing. They respond that I have no accounts with them, deny my request then i receive notification of my debt owed to them. Unfortunaty, i have had several   XXXX   XXXX   XXXX   since tgen, resided in a   XXXX   XXXX   XXXX   years, was unable to qork for several years due to a   XXXX   injury. I will have to research and try to obtain supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-09
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: Personal information incorrect

Complaint:
Personal information is incorrect on my credit repost, I do not live at the following address : XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX  XXXX, XXXX GA 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 a formal complaint to XXXX, XXXX and Transunion XX/XX/XXXX asking them to verify the bankruptcies XXXX  XXXX case # XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX and case # XXXX filed XX/XX/XXXX that is on my profile with them XXXX and XXXX didn't respond but Tranunion send a letter stating they verified the bankruptcies with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand XXXX XXXX directly owned by XXXX which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. XXXX XXXX is getting that information from a 3rd party XXXX  and furnishing that information to XXXX, Transunion and XXXX without permissible purpose 604 15 U.S.C. 1681b.

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 2019-09-24
Company: EQUIFAX, INC.
State: GA
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 have notified the credit agencies about the following errors and disputes : XXXX is reporting my name as XXXX when my last name is XXXX XXXX  is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, GA XXXX XXXX   is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Equifax is reporting incorrect address information : XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Equifax, XXXX, and XXXX is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX XXXX Equifax, XXXX, and XXXX  is reporting inaccurate 30 days late reportings in XX/XX/XXXX for XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NV
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. 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 DELETED immediately. 

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 2023-02-06
Company: Yamaha Motor Finance Corporation USA
State: FL
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 already filed a claim with XXXX and XXXX as my credit report is incorrect. They responded that after contacting the provider their information is correct. 
The problem is in an account that I had with XXXX XXXX XXXX. This account was never late and it was paid before the term. Final payment was made on XX/XX/XXXX and since then the balance is {$0.00}. XXXX closed the account ( as it was fully paid ) on XX/XX/XXXX. The Paid Status in the Credit Reports show : XXXX XXXX XXXX XXXX XXXX XXXX Even though the above information, they are informing and insisting to the credit bureaus that I was delayed 30 days on XX/XX/XXXX, 60 days on XX/XX/XXXX, 90 days on XX/XX/XXXX and 120 days on XX/XX/XXXX, when according to XXXX XXXX itself the account was fully paid on XX/XX/XXXX and closed on the same month. How the XXXX I can be late on XXXX, XXXX, XXXX and XX/XX/XXXX when they know that the account was fully paid on XX/XX/XXXX? It is a shame and a lack of respect that they continue insisting with the Credit Bureaus that I was late when they perfectly know that I was not! Certainly they are affecting my XXXX XXXX that was always impeccable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Chime Financial Inc
State: SC
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:
I caught a ride to the store and left my card by accident and someone got access to it and spent almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a lot of inquiries on my credit report from XXXX that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes XXXX  and Experian ....

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: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a General Power of Attorney to make decisions on behalf of my husband, who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or sign documents ( documented appropriately by his physician ). On Thursday, XX/XX/XXXX, while preparing for the inevitable, I went into my local Wells Fargo bank where my husband and I hold a joint checking account, and asked to remove his name from our account. This was done at the advice of my attorney, in preparation for submitting a Medicaid application, part of which requires my husband to not have any accounts aside from his new account under a Miller Trust. Wells Fargo refused to recognize the Power of Attorney and refused to remove his name from our account, citing that the Power of Attorney does not specifically state that it covers changing ownership of accounts. They would allow me to close the account, but not change ownership of the existing account. 

I consulted the attorney who prepared our Power of Attorney documents, and he contacted the Wells Fargo legal department, which continued to refuse to honor the Power of Attorney document. Our Powers of Attorney are verbatim from the Iowa Uniform Power of Attorney Act, Iowa Code Chapter 633B, section 301 ( Forms ). The Iowa Code Chapter 633B section 208 ( Banks and other financial institutions ) grants the POA holder the authority to " [ c ] ontinue, modify, and terminate an account or other banking arrangement made by or on behalf of the principal. '' I was essentially forced to open a new account in my name alone, and spend hours updating our bills and credit cards with the new account information instead of making the most of the time I have left with my husband. While I was out running around town fighting with the bank and talking with the lawyer, my husband had his best most alert and interactive day in the XXXXXXXX XXXX in a long time, and I was not able to be there to share it with him. He has since taken a significant turn for the worse and will not likely recover to even his previous XXXX XXXX 

I filed a complaint with the bank, and their complaint department responded and acknowledged the Power of Attorney authorities granted under Iowa law, but the Wells Fargo legal department continues to reject my authority to remove his ownership of financial accounts. 

Wells Fargo refuses to honor the full authority of Power of Attorney documents valid under Iowa law and their actions are unnecessarily complicating our Medicaid application process and jeopardizing his approval, upon which we rely for his continued care.

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