BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Towards the end of XXXX to XXXX unauthorized transactions hit my account. My XXXX got hacked and they was buying XXXX and crypto through my XXXX and XXXX. I XXXX  XXXX Customer Service and a Rep name XXXX answered. Just was adamant about helping me stop the hackers. I was afraid and confused because he was telling me my info was being sold on the dark web and the hackers had my XXXX processing to buy more XXXX and crypto. He said I needed to hurry to the bank and get the XXXX out and send it to his Supervisor XXXX XXXX so the transaction can be reversed. I was nervous afraid and confused and didnt know what to do because I didnt want to lose my money. I was distraught and afraid the entire time. He had me download an app that allowed him to get into my phone remotely. He started going though everything tell me what to do to fix the hack. Well I wired the XXXX in emotional distress and was scammed thinking I was stopping hackers from taking all my money. Wells Fargo ( Scammer bank ) denied my claim and XXXX denied my claim saying it was authorized. I authorized it as part of an unknown scam/fraud. I was not in my right mind because I was afraid all my info was on the dark web, the hackers were taking my XXXX, and I didnt know what to do. The same day I authorized it I went back 1 hr after and informed them of the scam and they said I could not do anything until it post. At that point I had an XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. They took all my savings and Im now almost homeless because I cant make ends meet.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear TransUnion XXXX, I have already contacted you but haven't received any results so far. I am XXXX XXXX, consumer of TransUnion. There are some Fraudulent Hard Inquiries on my credit report. I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They told me to contact Credit Bureaus. I called Transunion customer service and they provided me with my file number : XXXX. Also they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. Im enclosing the FTC Report to this letter. These hard inquiries are not mine, please remove them from my credit report : 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

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 2023-04-13
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I am trying to close and account with PNC. I moved money out before closing the account. However, the day that i moved said money. PNC charged me an account maintenance fee. 

Please see below for the fee. 

XX/XX/2023 MONTHLY SERVICE CHARGE XXXX {$7.00} - {$7.00} Now PNC will not allow me to close the account unless I pay this fee. Which seems rather predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: WI
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:
There is a credit inquiry for XXXX XXXX XXXX listed on my Equifax Credit report dated XX/XX/2023 that is not mine and Id like it removed. Ive already disputed this with Equifax and although they admit to significant data breach with their company, they refuse to remove the inquiry. Ive also reached out to XXXX and was advised Id need to dispute the issue directly with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

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 2023-03-29
Company: Click n' Close, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company didnt make the correct property tax payment that was specified on the closing disclosure for the escrow and are now requesting us to pay it, when the mistake was made on their end a few years ago and are just now bringing it up. They wont give me any explanation other than taxes and insurance is increasing, but there is no reason we should be short {$8500.00} on a {$150000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it may concern, I am writing to seek your assistance about a medical bill that was sent to Creditors Bureau USA. Over the past few months, I have been XXXX XXXX, XXXX, and panic over this matter. In XX/XX/XXXX I was reviewing my credit report, and to my surprise I saw there was a medical bill that was sent to Creditors Bureau USA. I was shocked to see this medical bill listed as collections. I have never had any bills sent to collection so this has been stressful and hope that I can get assistance with resolving this matter. 
I was never notified my bill with XXXX XXXX was going to be sent to collections prior to viewing this in my credit report. The moment I saw this reporting I immediately sent Creditors Bureau USA a debt validation letter under the law Fair Debt Collection Practice Act to have them provide me with detailed information regarding the debt they are attempting to collect. In the letter I did specifically asked them to provide me with the following information : A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to you Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. I never gave permission to your company Creditors Bureau USA. 
Creditors Bureau USA has mailed me back with copies of my medical bill with XXXX XXXX, however, they failed to send me with a copy of my signature showing my request to release information to them. By not proving me with this document, they are violating my HIPPA rights. I did not consent a third part to view the blood work I had done with XXXX XXXX. 
Due to this reporting, it has affected my credit score significantly. The credit score that I have been working on for over 12 years has dropped over 70 points. Also, due to the Pandemic ( covid19 ) I have suffered financial hardship as I am the only employed person in my family. I do wish to pay the debt I have with Quest Diagnostic directly with them. I am writing to you to dispute the collections that was sent to Creditors Bureau USA. 
I request for this debit to be removed from my credit report. Attached are the letters send to me from Creditors Bureau USA that will show the amount of collection {$240.00}. I also want to make you aware, the dollar amount listed as collections in my credit report is {$160.00}, however the letter I received from Creditors Bureau USA states I owe {$240.00}, the information I was given from Creditors Bureau USA in inconsistent. 

Thank you,

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wells Fargo threatened to sue me if I did not pay back my credit card debt. I had been on maternity leave and my husband lost his job so everything fell into collections. Wells Fargo then collected that debt in monthly installments and made me pay for their lawyer fees. It happened between XXXX, I was making payments of {$240.00} every month. Total amount was between $ XXXX {$15.00} XXXX when I only owed {$8000.00}. It shows up on my credit report and I still have the checking account statements that I made the payments from.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting Act XXXX 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 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 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 ordered an XXXX XXXX but I never ended up staying and told the owner 24 hours before hand. They were suppose to cancel the XXXX XXXX. Instead they wrote a fake review how they enjoyed my stay, when I never stayed there. I disputed it with Bank of America but they charged me again for XXXX. This charge has taken a toll on me, as it is taking money away from my bills.

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 2021-03-03
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-05-02
Company: Experian Information Solutions 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:
On XX/XX/2022 i've disputed erroneous information on my credit report with Experian. 
They refuse to investigate the matter. 
Account : XXXX XXXX XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the payment history is innacurate, the date last active is inaccurate, and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX AV XXXX XXXX XXXX MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$1000.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-03
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I hope all is well. 

I have one account with Navient that has reported my account as " current '' one month, then on month later, reports as " 90 days late '', before reporting as current again to all three major credit bureaus.This has happend on two separate occasions : - XXXX of XXXX - XXXX of XXXX When I log into my account, there are no links or data to shows me every being late. It is also hard for me to believe that I can be considered " Current '' on month, then 90 days late the next. Multiple letter requesting this information has been sent to Navient with no reply or update to my profile. When I call to get information about those specific months, I am told that it is not available, which makes it impossible for THEM to furnish this information to others. 

I have asked for a correction with through mail, email, calls to representatives who can not make changes even at the supervisory level which is the highest level you can get to in a call. 

Any help or clarity given would be really appreciated. 

All the best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  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 explanation
Consumer complaint received 2023-11-01
Company: National Credit Adjusters, LLC
State: LA
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: Was not notified of investigation status or results

Complaint:
I never received validation and proof of claim from this company I only received something for the XXXX reporting agencies stating it was correct, verified and corrected on my report. I received the original documents or something in the mail proving I've done business with this company. I've given this company permission to report anything either in which is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: 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 : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief