BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 and XX/XX/2021. 

Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! 

I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. 

The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: OH
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:
Notice for Proof of Claim Account : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ToWhom it may Concern : This is a complaint submitted Under OHIOLAW U.C.C131912 Taking Assignment of Debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, under LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this company tried to contact me at my old contact information - I never received any calls or mails from them. They then added the item to my credit report without giving me the ability to dispute the charge. i did not owe XXXX XXXX for that amount of money since I had stopped services and they continued to charge me. 

I would of disputed the charge. However - I paid it off just to get it removed off my credit even though it was invalid. This agency did not work with me to remove this off my credit report and being able to dispute the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-07
Company: Credit Karma, LLC
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:
credit Karma promises that they had been " pre-approved '' for financial products, including major credit cards. 
Not being true my credit score drops considerably

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account  thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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 2021-03-08
Company: GOLD STAR MORTGAGE FINANCIAL
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the closing on my home. Gold Star Mortgage was hacked by an outside source. As a result, I was sent wiring information from one of Gold Star 's employees. Please note Gold Star will respond saying they were not breached and I was. However, prior to the fraudulent email, I had NEVER has email, text or phone conversations with XXXX XXXX XXXX the loan processor ). Gold Star then informed me that in fact she was an employee there but did not send the email to me. Prior to sending the wire transfer, I contacted by phone my mortgage agent, XXXX XXXX. I sent a screenshot of the wire transfer instructions and told her the name of the person that sent the email, Ms. XXXX. She verbally instructed me to send the wire for {$7.00}, XXXX to a XXXX bank account. She was on speakerphone and the XXXX XXXX  Branch Manager, XXXX heard her give me the go ahead. Once the scam was discovered Gold Star immediately became combative and accusatory. My realtor XXXX XXXX was involved, I filed a police report, bank fraud and tried to work out something with Gold Star. They told me they had no responsibility even though my mortgage broker told me to send the money. Please make sure this company can not do this to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from a customer for nearly XXXX dollars and Wells Fargo decided that was suspicious somehow and said there was a hold on the funds for nearly two weeks nearly bringing my small business to a standstill. When I asked Wells Fargo for an explanation they wouldnt give me anything besides unusual activity and wouldnt elaborate.

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 2023-10-08
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I have been living in the XXXX for the past XXXX weeks and I aim to spend another XXXX here. rying I have been trying to withdraw euros with my PNC virtual wallet debit card, but I find the atm fees to be prohibitively expensive ( usually anywhere from XXXX euros ). I haven't authorized any charges to my debit card from atms. I have not checked my balance on an atm or withdrawn any money from an atm and refused all fees when attempting to withdraw euros. After checking a few atms over the past week I have noticed XXXX {$5.00} charges from my bank labeled " INTL Balance Inquiry ''. Both are dated XX/XX/2023. I hadn't authorized those fees, much less checked my balance on an atm ( why bother when I can do it on my phone for free ). 

I can't dispute the charges until after they post on my account. I am almost certain they will refuse to refund me, but I will still file a dispute with PNC. I am very sure this anti-consumer practice is very very very widespread though, considering how profitable it must be for the banks. It is like going to the store, asking how much an item is, and them charging you {$5.00} to ask the question. There was no indication on the atms I was approving the fees, to make no mention of the fact that I didn't check my balance on them in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I first want to say, I am highly disappointed and in shock that I even have to file a complaint on a company I thought held the upmost respect and honor of a consumer 's right. I feel disrespected and taken advantage of by XXXX XXXXXXXX due to the illegal violations and fraud that have been done with my information and in the simple finance charge contract. Below I will list what happened and how I was violated. 

On XX/XX/2021 I was in need of a vehicle and decided to go with XXXX XXXX XXXX and got a 2021 XXXXXXXX XXXX XXXX XXXX XXXX amounting in {$73000.00}. at the time of this transaction, a down payment of {$27000.00} was due, paid with a credit card. According to, 15 U.S Code & 1644 Fraudulent authorized use of credit card, I was violated. Car insurance was demanded as well before the car off the lot. That totaled in {$3500.00}. The monthly amount for this loan came out to {$1000.00}. According to, 15 USC Code & 1605 Determination Finance Charge, I was violated. I was desperate and in need of a car so I didn't make a hassle. After some months, my finances started to deplete which caused a-lot of mental and emotional stress. This lead me therapy! This matter also led me to do thorough research on my federal consumer rights. And again I am upset at the disrespect and the false deception of this contract.

I know these violations as goes against the truth and lending act, yet on the contract it says how the obey the TILA but actual or in-compliance. They can go to jail and be prosecuted for this. It's tax fraud, its embezzlement it's flat out illegal. I am hurt and I want help ASAP! 

Attached is all the documents, arbitration starts now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 attached an FTC report with a fraudulent account and fraudulent unauthorized inquiries

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 2021-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
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 rewards from credit card

Complaint:
I purchased a travel reward tickets using my HSBC card ending in XXXX on XX/XX/2021 using the HSBC reward site. The 2 tickets were purchased using points. HSBC have failed in deducting the points and crediting the amount. HSBC is failing to fulfill their part of the card agreement and in addition to this are charging me annual fee on the card for benefits they are not fulfilling. In addition, because the points have not been diducted and the amount credited, i will be charged interest. I think they should pay me interest for being late and not me paying interest because of their mistake. The points used for the purchase are XXXX points = to {$1100.00}. I spoke to the HSBC reward department over 10 times in the past month. I spoke with the HSBC customer service also over 10 times regarding this. I escalated the issue multiple times with the bank and the reward department with no resolution yet. on XX/XX/2021 the bank rep got a promise that a supervisor will be calling me the customer on XX/XX/2021 and i received no call or email. Today XX/XX/2021 i called again and neither the bank or their reward department has an answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following 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

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the credit bureaus stated that my account was properly investigated this can not be fact at as as the account listed are all reporting inaccurate across all three bureaus. 
15 USC 1681 section 602 A. states i have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account with out my written permission 15 USC 1681e compliance procedures 15 USC 1681b accuracy of report when ever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates, 15 USC 1681a ( 5 ) if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or unverifiable the consumer agency SHALL promptly delete that item from the file of then consumer these accounts are all being reported wrong across all three bureaus account name : XXXX XXXX XXXX account number : XXXX  account name : XXXX XXXXXXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX account number : XXXX these accounts have been disputed and re disputed with no change or fixes to my report under the laws that govern these credit bureaus my rights as a consumer have been greatly violated

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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