BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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:
This is my NUMEROUS 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX  Bankruptcy : Bankruptcy Date Filed XXXXXXXX XXXX XXXX Reference Number XXXXXXXX XXXX XXXX  XXXX ( Original Creditor Name : XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX  Balance {$1600.00} XXXXXXXX XXXXXXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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.

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 2022-01-25
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 information incorrect

Complaint:
These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
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:
Back in XX/XX/XXXX, I dispute the Bankruptcy on my Experian consumer credit report. And result from Experian reinvestigation concluded that the Bankruptcy will remain on my consumer report XX/XX/XXXX. Experian didn't send me proof of their reinvestigation. Report # XXXX. For anything to be reported/furnished on my consumer credit report, I must give my written instruction per 15 U.S. Code 1681b. and I didn't not give Experian my written instruction & Experian violate my privacy.. Bankruptcy is public record BUT, I did not give Experian my written instruction. And U.S. Bankruptcy court doesn't not furnish any records to credit reporting agencies ( see the attached letter from the Bankruptcy court ) here is the violations : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

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 2023-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo XXXX XXXX XXXX is so Screwed-up. 
XXXX XXXX XXXX Choice Wrong Bill Pay. Account to PAY Bill.to SLS Mortgage Payment was NOT due Until XXXX and this Payment is recurring every month. 
WELLS FARGO BANKING SYSTEM. I believe Deliberately. Pick, it's owen. When my Account has LOW Balance to PAY other Bills to PAY. SO BANK can Charge. Overdraft. Protection FEES. And BANK wants Customer FEEL embarrassed to Go along with their ACTIONS.justified. 
Basically. either they Finding Cordway to Make Money.Please See my attach Wells Fargo Bill Payment. Was Schedule and ACCOUNT # XXXX inted they PAID Account # 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 2020-01-04
Company: SYNCHRONY FINANCIAL
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:
Around two years ago Wal Mart was promoting their credit card owned by Synchrony Bank. I was to get {$25.00} worth of free groceries from Wal Mart for signing up for their Wal Mart credit card. I think it was Master Card. I bought {$23.00} worth of free food that day. They billed me {$23.00} for my free groceries. I challenged the bill and was told that it was for {$25.00} of free food so I had to pay for the {$23.00} charge. I was told I needed to get {$25.00} worth of free food at one time and not go back for the remaining amount. Nobody told me I must purchase the entire amount at one time. My challenge lasted several months and they wanted interest on the {$23.00}. This lasted a few more months and they dropped the interest and I paid the {$23.00}. 

Either Wal Mart or Synchrony Bank notified the three credit companies that this matter took over 120 days. The young man I talked with did mention that I did pay off the amount they billed and I was told that it wouldnt impact my credit score which was around 700 something, and it wouldnt be put on my credit record because I paid the bill. I talked with him several people over a couple of months. Then the problem was put on my credit record as paid with over 120 days. Somebody lied to me. My credit score is around XXXX. 

Wal Mart does not use Synchrony Bank any more. I can not get through the endless voicemails at Synchrony Bank. I discontinued their credit card immediately.

Wal Mart does not know where to send me. 
There is no way I can resolve this matter.

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 2023-06-11
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: NC
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: Problem getting your free annual credit report

Complaint:
on XX/XX/2018 i tried to get my free credit report for online viewing from equifax on the XXXX site. i completed all information but the test questions failed due to equifax 's error in accuracy. the next to last question had a creidtor for car payment which was mispelled severely. i answered none of the above because of the error. the last question asked for the amount of payment. i answered none of the above because the name of the creditor was wrong. the system said i could not get online access. their error. my car payment is paid to XXXX XXXX. that was not even close to the name on the quiz. other issues. i tried to call to put a lock on my equifax report. after going thru their auto system, the system said i would be transferred to a representative, then hung up! i attempted the same with XXXX XXXX and could not lock my file since i did not have a code they said was sent to me. i ended up with a 90 alert. these bureaus are not accountable to the public because oversight is non-existent. to date i am not aware of any consequences for equifax for the great security breach. any other company would have offered free identity theft protection for those affected. at the very least there should be live representatives for XXXX people like me. also, i was able to access my XXXX  report on line and my browser crashed. do i have a way to reaccess this report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA is claiming that I owe them {$130.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Corporation changed the physical address for my property ( without my consent ) to an invalid address. This is now the third time Freedom Mortgage has erroneously changed our home address. This problem occurred in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX. The CORRECT address ( mailing and legal / physical ) is XXXX XXXX XXXX, XXXX XXXX CO XXXX. Freedom Mortgage has been provided a letter from the XXXX XXXX CO address manager confirming the correct address and still refuses to take permanent corrective action ( s ). Most recently I've spoken with " XXXX '' ( employee XXXX ) at XXXX who confirmed Freedom Mortgage has the address validation letter from our County. I want Freedom Mortgage to ( 1 ) FIX this problem and ( 2 ) explain to me what steps are being taken to ensure this will not happen again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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:
Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXXXXXX XXXX XXXX Amounts. {$6400.00}, {$340.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
During the week of XX/XX/XXXX to XXXX of 2023 the temporary manager of the bank informed me they were closing my account XX/XX/2023 without no explanation I contacted a branch supervisor and he said he had no control over it just that the temporary bank manager had authorization to close it XX/XX/2023 my account was closed without no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
PSLF forms were mailed to Mohela on XX/XX/XXXX and I had applied for consolidation. US Department of Education instructed us to send Employment Verification for PSLF to Mohela even if they were not our current servicer. Mohela processed that form on XX/XX/XXXX but because my consolidation hadn't been approved or they didn't have my account yet, nothing happened. I reloaded my employment form and they processed it XX/XX/XXXX and it wasn't approved until XX/XX/XXXX. What happened between XXXX and XX/XX/XXXX? As of XX/XX/XXXX, there is still no tracker on my account showing how my prior payments were credited. What was " processed? '' Correspondence from Mohela on or about XX/XX/XXXX, I was told 30-45 days after the application was processed I'd see a tracker. We're now nearly 60 days and nothing. All responses to inquiries are generic and trying to call them requires hours of time and then calls disconnected. 

Help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX- Card  was stolen/lost. Reported to BofA, received new card with the same number XX/XX/XXXX - Fraudulent charge for {$1300.00}, reported immediately and was notified that chip was used ( likely the lost card, which number was not changed ). Received {$1300.00} credit. 
XX/XX/XXXX - Notified that claim was found to be legitimate due to chip usage and {$1300.00} credit was reversed ( balance of {$0.00} ). I requested claim be reopened, same result. 
XXXX XX/XX/XXXX - Filed police report on advice of BofA, sent police report to BofA and asked case to be re-opened, was assured this would be resolved quickly. 
XX/XX/XXXX - Received letter from BofA stating the claim has been resolved in my favora and a credit would be added to my account. No credit was added. I called back to BofA and was told they would reopen my case to get the credit added. 
XX/XX/XXXX - An ADDITIONAL {$1300.00} charge was added to my account by fraud claims. Now BofA is taking {$1300.00} from me ON TOP OF the original {$1300.00} fraudulent charge. 
XX/XX/XXXX - Call back and BofA tells me the reopened claim was denied, initially claims that they did not receive the police report and I would need to resend ( which I did ). However, a supervisor ( XXXX from Texas ) then confirms that they received the police report. Same supervisor then told me they need to reopen the claim again and require 10 business days to resolve, and that they can not resolve the problem 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 monetary relief
Consumer complaint received 2023-11-08
Company: Revolution Financial Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to file a formal complaint against XXXX  regarding their handling of a fraudulent activity that has affected me financially. Despite raising my concerns and providing evidence of the company 's involvement in fraudulent practices, XXXX  dismissed my complaint without conducting a thorough investigation or taking appropriate action to address the issue. 

The issue at hand revolves around the fraudulent use of false merchant category codes by a merchant, which resulted in financial loss for both myself and XXXX. I believe that XXXX  knowingly allowed and facilitated this fraudulent activity, as they failed to take appropriate measures to detect and prevent such actions. 

I initially approached XXXX  with my complaint, providing them with detailed information and evidence of the fraudulent transactions. However, their response was dismissive and lacked any meaningful investigation into the matter. This disregard for my concerns and failure to take responsibility for their role in allowing this fraud to occur is deeply concerning. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter to hold XXXX  accountable for their actions. It is essential to protect consumers like myself from unscrupulous practices and to ensure that financial institutions are held to the highest standards of integrity and responsibility. 

Furthermore, I urge the Consumer Financial Protection Bureau to consider the impact of this fraudulent activity on other potential victims. It is crucial to prevent similar incidents from occurring in the future by implementing stricter regulations and monitoring practices for merchant category codes. 

In light of the financial losses and emotional distress I have experienced as a result of XXXX  's negligence, I also request fair and just compensation for the damages incurred. While I understand that this may be subject to your discretion and the applicable laws and regulations, I believe it is important to address the harm caused by XXXX XXXX  failure to adequately protect their customers.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to investigate and address the fraudulent practices conducted by XXXX. I look forward to a prompt response and resolution to this complaint. 

Thank you for your time and consideration.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-07
Company: I.C. System, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. Systems- Amount {$650.00}, as of XX/XX/23. This company reported that I owe this amount on my credit report. This was falsely reported as this is not my 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 explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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