BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 fas fair crediting act 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 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 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)

15usc 1681 section 602, A
I have the right to privacy
In accordance with the Fair Crediting Act 15usc 1681 section 604 A section 2 :
A consumer reporting agency cannot publish any account without written instruction.

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 2019-07-17
Company: Experian Information Solutions Inc.
State: MI
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:
In XX/XX/2018 I closed my account with XXXX XXXX XXXX cell phone service and went with a different company after my contract was up. I never received a final bill, email, or simple phone call. Almost an entire year later I received a random letter via USPS from **XXXX XXXX ( acct number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX** stating I owed a {$290.00} for a cellphone device balance, not even for my service. The day I received the bill I immediately called and paid the balance over the phone with a respresentative by visa in full. I kept questioning her asking why I never had any knowledge of this before collections, but she avoided the conversation. Since I have NEVER been late with any bills and I " had '' a credit score of over 800 I wanted this negative action immediately off my record. Little did I know that this would remain on my credit report and negatively impact my score. Had I known ... .I would have disputed this entire bill because I had no knowledge of it. thank you in advance for your help -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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Needed to dispute a transaction. Called Wells Fargo and they eventually escalated me to their claims department who listens to my problem and told me to call back within a few hours without giving me a claims number or reference. Called back and they told me my claim was denied because I did not attempt to cancel a order that was unshipped within him their 3 day time frame. These rules you can not find anywhere in their official policies.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I was notified of a back pay of XXXX I owed on purchases I did not make. Someone hacked into my apple account and went haywire on my credit card that I was paying on. The balance was updated to appear as if my credit was available. But the person was using someone elses credit card to pay on the credit card the person reported it as fraud and I was slapped with XXXX plus dollars I never spent! I notified apple immediately. They have yet to get rid of these high charges! As a result they have ruined my credit. Which is incorrect considering I did not spend any of that money. My identity was used and I never received any of the packages.

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 2023-07-12
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I received a copy of my credit report and found the following item to be in error by the provisions of the Fair Credit Reporting Act. I demand this item Ito be investigated and corrected to an " OPEN ACCOUNT '' on my credit report. It is my understanding that you will check this item with the creditor who posted them. I understand that under 15 USC section 1681iA. You must complete this reinvestigation within 30 days of the receipt of this letter. Please send me an updated copy of my credit report. I have paid my mortgage account on time since 2017 and still mailing my money orders in each month. I have enclosed copies of a few on my money orders, with a copy of Notice of Servicing Transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to date crediting act 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 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 XXXXXXXX XXXX XX/XX/XXXX ) In accordance With the fair crediting act 15usc 1681 section602 A : I have to the right to privacy. 
In accordance with 15usc 1681 section 604A section 2 : A consumer reporting agency can not report any account without written instruction.

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 2021-12-29
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am ready to pay off my loan and the bank which is Santander consumer USA, has charged me over XXXX dollars in late fees even though it was not 30 days late. The XXXX on this loan is 16 % so they already made thousands of dollars off this loan. I called in today XX/XX/29 to try and have them waived and spoke to XXXX with employee number XXXX and she refused to wave any late fees. I asked for someone else I was transferred to XXXX employee number XXXX and he said only {$50.00} could be waved but did {$100.00} as a courtesy. To me thats not enough based on the XXXX. I want all late fees waved and I will make the final payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX Last XXXX XX/XX/XXXX {$320.00} Reported XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5900.00} Reported balance XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1500.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1700.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$170.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$2200.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$4700.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$33000.00} In good standing XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$2600.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
carrington mortgage has incorrect information reporting on my credit report. These late payments are affecting my credit file. i asked them to investigate within 30 days and I still havent heard any results or update from them. Its been 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I sent a wire to my attorney 's office XXXX XXXX XXXX XXXX. I did not know that someone had hacked their email address and altered the wiring instructions. on XX/XX/2021 the attorney reaches out to me to tell me they did not receive the wire. It was at the moment we realized the wire instructions were fraudulent. The money had gone to Wells Fargo from XXXX XXXX. I immediately reached out to both XXXX XXXX and Wells Fargo. XXXX XXXX was extremely helpful and began contacting Wells Fargo as well. 
Wells Fargo was NOT HELPFUL AT ALL and still is not being helpful. They will not even return my calls anymore, and the issue is not resolved. 
Myself and the Bank contacted Wells Fargo on XXXX through multiple channels... the wire department, the fraud department, a local branch, voice messages, emails, etc. When I finally was able to speak to someone they gave me a " timeline '' of events and told me that we notified them on XXXX but that they did not start working on it until XXXX. Why would they wait that long? 
A friend in the banking industry had a contact at Wells Fargo who told me that because the name on the account was an individual 's account and the beneficiary of the wire was a business, this threw up a red flag. That admittance had me HOPEFUL. 
XXXX in the Fraud Department finally tells me " on a recorded line '' that they are REQUIRED by Regulation J to accept a wire even if the beneficiary does not match. I have since found out that is completely false. They CAN accept the wire, but they do not have to as she stated. 
XXXX XXXX recalled the wire and Wells Fargo only returned {$200000.00} of the {$350000.00} that was sent to them. They said the other funds had already gone out including two large checks that were cashed, one to the account holder himself. They took absolutely no action to try to stop or get that money back even though they knew it was fraudulent. 
We are working with our local police department, and they have even told us how unhelpful Wells Fargo is being in helping solve the case and recover our funds. They have a search warrant that was provided to WF, yet still they are not helpful. 
I would like someone to CALL ME. Once XXXX told me the {$200000.00} was coming back, she was done with me. She will not return my calls or answer my messages and my questions about the remaining. 
I have never felt so poorly treated or dismissed by a financial institution. I feel like I am being discriminated against because I do not have a lot of money and am not a rich person who can make them a lot of income. Because they know {$350000.00} is my entire life savings, they could care less about me and my problem. If I had millions of dollars in their bank, I am sure I would not be treated like this.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} U S DEPT OF EDXXXX XXXX Original Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XX/XX/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 2023-02-15
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, My wife and I were trying to do a loan modification with our lender, Schools first Federal Credit Union, after receiving forbearance. My wife was laid off and we were getting behind on our payments. We still are behind on our payments and last year when we reached out to Schools First we believed that the Loan Modification was going through the process. Well come to find out all that Schools First did was defer the payments. When we talked to our lender and mentioned to them that we really wanted to do the modification so we can lower our payments. Schools first told us to start the process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Johnson Mark LLC
State: AZ
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:
Card was sent to address I no longer live at and carD was use to my beknowst now I have a judgement and I am not responsible for these charges at all I live at XXXX XXXX XXXX XXXX XXXX XXXX  card went to XXXXXXXX XXXX  someone got ahold of mail and used my card now I am responsible for these charges and now I lived in XXXX and my info has been sent to collections agency which I am not paying for this at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted this company multiple times. I have ask for all documentation pertaining to this particular vehicle. Which they have never produced. They are furnishing false an inaccurate information onto my consumer report.. This situation has calls me extreme stress. Loss of sleep. And made other creditors not want to do business with me because of this inaccurate account being on my consumer 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im begging you plese remove this to the 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 non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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