BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
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: Information belongs to someone else

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CA
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 keep mailing dispute letters to Equifax and they keep sending back stall letters and not fixing my issue with a late payment on my credit report I explain XXXX XXXX XXXX XXXX has reporting XXXX different months reporting late payments XX/XX/2021 and XX/XX/2021 and that is a clear violation under FCRA code15 U.S. Code 1681s2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: DELMAR FINANCIAL COMPANY
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:
On XX/XX/XXXX I noticed two hard inquires from a unknown source and I didnt authorize them. All three are from XXXX XXXX XXXX Hard inquires are effecting my chances at obtaining new credit. The dates of these hard inquries are XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, 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:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: NY
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 found a fraudulent charge for {$44.00} by XXXX XXXX a foreign exchange fee on my Chase checking account. I disputed it and it was denied. In the letter it said I can request the information used for this research. I requested more information but all that was repeated was I was found to have authorized this transaction because I hadn't disputed charges from them before. I have NEVER received a transaction from XXXX before, and Chase denied my request for actual proof or to speak with the agent who worked on my claim. There was also a foreign transaction fee for XXXX and I never traveled outside of the U.S in XXXX, which makes no sense. I have proof that I was in the U.S. This is unacceptable as it is clearly a fraudulent charge and they denied my claim with no proof. There is also multiple users online having the same problem, getting the same unauthorized charge of {$44.00} by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
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: Personal information incorrect

Complaint:
My experian credit report has my birth year as XXXX when it is XXXX as well as am address at XXXX XXXX XXXX in XXXX XXXX florida that i have never lived and an address for XXXX XXXX  XXXX XXXX XXXX XXXX florida that is an error of my current address at XXXX XXXX  XXXX XXXX XXXX fl.

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 2018-05-04
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Nationstar assumed servicing of a loan that was cancelled with a XXXX from XXXX, the original lender, who is trying to foreclose on my home XX/XX/XXXX. This debt is no longer owed and they have began to send me collection paper work trying to collect money on that canceled debt. I filed a complaint to the CFPB, and I have appealed the foreclosure in court. 

I have an attachment of the letter from Nationstar attempting to collect the debt, disclosing their intent. I also have an attachment of the XXXX attached, canceling the debt in XX/XX/XXXX. And finally, I have attached the foreclosure action filed on me from XXXX for this debt, acting as a substitute trustee, holding a lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from 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 2023-12-24
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Last week I spoke with XXXX an Executive Office Case Specialist with Wells Fargo Home Mortgage in regards to receiving a Modification. She informed me that " I should remain in Bankruptcy and Wells Fargo as I said will not offer me a Modification or restructure payments '' despite the fact that I have provided evidence of wrong doing on their behalf. As a result, I have contacted three Law Firms at the request of CFPB ( Thank you ) in regards to attaching our Case to their Class Action Law Suits. Thus Far 1 specific Law Firm has agreed. I am awaiting responses from the previous two Law Firms. I have contacted The Justice Department and I was informed that they can take legal action on my behalf once the Class Action Law suit is recognized. 
Once approved fully, I would like for the CFPB to assist me in Direct action against Wells Fargo Home Mortgage. They DO NOT WANT TO OFFER ME A MODIFICATION OR WORK OUT OPTION. 
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 2022-09-28
Company: Bread Financial 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:
COMENITYCAPITALXXXX had an inquiry on my account via XXXX XXXX that I did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
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: Public record information inaccurate

Complaint:
Transunion LLC. Attempts to continue to break FCRA laws and send me same investigation results continuously that they have investigated again. They are report inaccurate bankruptcies after I gave them identity theft reports and information regarding violation of my rights. I want legal aid information to sue Transunion llc in the court of law. Their results says Verified but unspecified information??? If you verified, you should have revelant information including adjudication and adjuction dates which they fail to provide. This is hurting my attempts to obtain credit because they are reporting that I'm in active Bankruptcy and I'm being denied credit.. Im not in a bankruptcy or in a filed bankruptcy which they reporting I am. FERDERAL court did not communicate or verify with Transunion the above records : XXXX, XXXX, XXXX, XXXX are not my cases. Proved with identity theft reports sent to transunion llc.

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 2023-05-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing this claim due to : My sister and I have moved into XXXX XXXX  XX/XX/XXXX and we have moved out of XXXX XXXX XXXXXX/XX/XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX # XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit. We have paid everything off the {$2200.00} on XX/XX/XXXX and recieved our deposit back for {$320.00} on XX/XX/XXXX. I also have not recieved a written notice from a debt collector that says how much I owe. 
This is my official request to have the amount before mentioned to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made a payment to Wells Fargo online, in the amount of {$98.00}, for my monthly payment amount. I received a verification email stating the amount that was to be charged to my checking account. 

On XX/XX/XXXX, Wells Fargo put a payment through to my checking account, but it was in the amount of {$2100.00} ( the full amount left to pay on my account ), NOT the payment amount of {$98.00} that they sent me the verification email of. The account caused an overdraft of my checking account and I was charged {$28.00}. 

I immediately contacted Wells Fargo and could not get anyone to rectify the issue, as they stated that my account was closed because it was paid off. I spoke to the customer service rep and explained the problem and requested a manager call me back. 

On XX/XX/XXXX, I received a phone call from " XXXX '' from Wells Fargo and a case number. I called back and spoke to her, but she was not able to do anything, other than opening a complaint. The complaint was assigned to : XXXX XXXX. 
Escalations Representative Enterprise Complaints Management Office I have tried numerous times to contact this person, via phone and email, and have never received any response. 

All that I received are emails stating that they need more time to research my complaint. 

I have received these emails on : XX/XX/XXXX ( stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Again in XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Nobody has ever followed up or conducted any research into how the company verified that they were to charge me {$98.00} but instead charged {$2100.00} to my checking account and caused the overdraft. 

I had never been late or been behind in any payments until this issue came about.

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 2023-09-12
Company: EQUIFAX, INC.
State: AR
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:
The company XXXX XXXXXXXX XXXX XXXXXXXX continues to report an alleged debt owed to them by me. I have never agreed to do any business with this company nor have I ever heard of them. I have asked for a copy of any contract or documents signed by me agreeing to do business with them in accordance with Contract Law. They have failed to produce this instead they have sent me a copy of an old bill from XXXX, this is not proof of any agreement from me to do business with this company. It was my obligation to first contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been using my Robinhood account for over 5 years I have received money in my account I used it to pay bill and the last remaining balance I used {$3000.00} to buy XXXX XXXX XXXX has close my account and do not wan na give me back my money I buy stock with this dont got nun to do with Robinhood they are unfair I need help getting my money I work hard for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXXXXXX, XXXX. Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # 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 2022-03-02
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:
Despite the multiple previous written requests, the unverified collections isted below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX. ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened Credit care with Pay Pal  on XX/XX/2020. It was approved for XXXX $ line of credit. With this inquiry and another one my score dropped. By the start of XXXX, I checked my credit report and it showed my limit on this card is only XXXX initial approved. After seeing that I called the customer service on their number and none of the representatives/agents could tell me what is the reason and instead of helping they became unprofessional and kept transferring me to the supervisors. Eventually, the supervisor couldn't even help and I asked ( not confirmed ) to close my account in the middle of this conversation I got disconnected by the representative and now today I got a notification from credit bureaus that my account is closed. 

This is just the one-credit service same happened with XXXX credit cards ( XXXX XXXX & XXXX XXXX XXXX XXXX ) where they decreased my limit from XXXX to XXXX and XXXX to XXXX respectively that is in the event of the decrease in my limit on pay pal. 

All of this impacted my score so badly and further led to a cascade of events that led to financial crises. This has increased my Debit Ratio. I can't be approved for house loans that I was about to apply for. Also, with the account closure, my payments have been rejected that led to further credit unworthiness. This is unreliable and unprofessional on the credit provider 's part.

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 2023-08-31
Company: EQUIFAX, INC.
State: MO
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 sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. However, its been more than 30 days, and the credit bureaus failed to send my investigation back. This is unacceptable. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief