BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Wells Fargo account. Account belongs to my estranged husband. Who added my name to his account without my knowledge or consent. This I believe happened in XXXX of 2023. When I became aware of this I requested he have it removed. He called wells Fargo and made request. Today I checked my credit report on XXXX XXXX, XXXX and XXXX and i have it listed on these reports resulting in a XXXX point credit drop. I want this removed ASAP I had planned on purchasing a home and this has caused severe damage. I believe this is tantamount to fraud as I did not give permission for this either verbally or in writing. This is extremely poor practice. What would stop someone from adding XXXX XXXX name to all their accounts. Please help get this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: AL
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2023-10-27
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was on AidVantage 's website and attempted to change my payment plan to lower my payments because these are parents loans for my son and he was going to be making the payment. The website prompted me to submit my income to lower my payment even though I suspected that would not be the case. I assumed I could see what the IDR amount would be and then select the plan I wanted. Instead I was locked into a payment that was 2 times higher than the previous payment. I have attempted to contact by email twice with no response, called 4 times and was on hold for no less than 2 hours each time. I spoke to one person who did not help at all and kept telling me I have no other options. I requested a call back on their website for XX/XX/XXXX at XXXX and the system did call, but the minute it went to transfer me to an agent the call disconnected. I called back and waited on hold for 1 hour before hanging up. I attempted to request another call back and their system could not pull up the available times. 

At this point, I have had to put my loan payments in forbearance to stop the payment until they response to change my payment plan. The loan is gaining interest that it should not be because they are not available to resolve my issue which should be a very simple fix that I have done several times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Unauthorized inquiries on my account I have a case for that was never resolved and it has been well over 30 days XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Transunion promised to look into the investigation for me, but I still have not been updated, they are well aware that it has been more then 30days, but they are not taking any steps in my defense to resolve the issue. The additional inquiries has negatively affected my potential loans in the previous months and I want justiceI talked to the bankers who also said they would send notice of a inquiry to transunion for the removal on behalf but nothing has changed.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX and XXXX XXXX were deleted from my Trans Union credit report due to HIPAA violation in XX/XX/XXXX. Both collections were reinserted in XX/XX/XXXX. Trans Union did not notify me with a 5 Day reinsertion letter which is an FCRA violation. I sent a certified letter to Trans Union on XX/XX/XXXX which they have not responded and both accounts have been reinserted as collections.

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 2023-10-11
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am reporting this as the bank is violatioing REG E, specifically pertaining to the provisional credit. 

I filed a dispute on XXXX, for a return of merchandise that was not credited to my account. They took my dispute and issued a provisional credit of {$280.00} on XXXX. I received no notice and on XXXX the credit was debited from my account. I called on XXXX and it was advised I received a refund from the merchant and my case was closed. I did receive credit from the merchant, but it was more than the amount I disputed and not in relation to the disputed transaction. Furthermore, the letter they sent advised the provisional credit that was issued was going to be made final. I let them know this and they said it would be reviewed and I would be called. This is a violation of REG E, as no prior notice was given that the credit was being debited. 

I then continued to call for the next 3 weeks and was told repeatedly it was Huntington Banks 's error and I would see the credit. On XXXX I saw a credit for the disputed amount, however, the next day it was reversed. I called again and was told that credit was issued, however, it was reversed because I did not send in any copies of receipts. I was never asked to send any information in or directed to by mail. 

I was now advised they will look into this, but no credit will be issued until they are done reviewing over the next 45 days. 

Please investigate the REG violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have asked the credit reporting agencies to properly update my information I provided. accounts just poping up reporting inaccurate and lowering my credit worthiness score. with credit score being such a key factor in companies approval process this has now become harmful to me and my family. they have not done any updates to my credit profile.

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 2024-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS COMPLAINT IS TO SHOW THE CONSUMER FINANCIAL PROTECTION BUREAU OF MY NOTICE TO BANK OF AMERICA OF THEIR UNLAWFUL FURNISHING OF MY PRIVATE TRANSACTIONAL INFORMATION THAT CONGRESS DEMANDS BE EXCLUDED FROM A CONSUMER REPORT UNDER 15 USC 1681a (2) (ii)  AND 16 CFR 313 WHICH IS ALSO A VIOLATION OF MY PRIVACY PER THE PRIVACY ACT OF 1974 AND THEIR DUTIES UNDER 15 USC 6802.------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOONE CAN FORCE OR ASSUME CONSENT!----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------THIS NOTICE IS TO MAKE THE CFPB AWARE THAT BANK OF AMERICA  HAS BEEN MADE AWARE OF THEIR FRIVILOUS ACTS AND HAS BEEN DEMANDED TO CORRECT THEIR ACTIONS-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------SEE ATTACHED LETTER-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ALL FUTURE COMMUNICATIONS AND ANY REFUSALS TO DO WHAT IS RIGHT WILL BE KEPT AND RECORDED FOR EXHIBIT PURPOSES TO PROOVE WILLFUL NEGLEGENCE AND HARM TO THE CONSUMER AS WELL TO PROOVE AND SHOW A TOTAL DISREGARD OF THE CFPB AND AND DISREGARD OF BANK OF AMERICA OBLIGATIONS UNDER 15 USC 6801

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 2023-01-31
Company: Experian Information Solutions 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:
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

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 2023-04-09
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I went to a XXXX Dealership to see if I could trade my vechicle in and I ask them not to run my credit if they wasn't able to put me in something I was re-assured that they didn't need to. I didn't know they still ran my credit without my consent until I decided to pull my credit report to see what was on it, only to find out that they ran my credit and that it had been ran 15 times for diffrent things by them I had never used my credit for anything or had it ran. I reported this situation several times with no results. I am requesting for all these Inquiries to be removed asap because I wasn't aware of them and they was added fraudently without my consent. I have listed all the inquries below that I would like to be removed from my account asap. Thank you XXXX XXXX XXXX XXXX  CXXXX XXXX, XXXX XXXX Bank, XXXX Bank XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Major 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 2023-10-05
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX Validate Account XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  XXXX XXXXection 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

Thank You, 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 2023-11-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
As of today, XX/XX/2023 Thursday, I am NOT allowed to log in to my account with Paypal at Paypal.com. I have used this service for XXXX years. It is currently active and within the last months have charged purchases through XXXX and others which are charged to my credit card. Today, XX/XX/2023 I tried to log in to my account using my email address of long standing to examine questionable transaction charged to my bank account. After I entered my email address ( which it uses as the account ID ) and before I entered my password, it sent a confirmation code to me email account which I received and successfully entered. I entered my password. THEN, it now demands that I give them my cell phone " Mobile '' number and will not log me in without it. This web page does NOT provide an option to skip it. I am stuck. They do NOT have a right to have this information. I do NOT want them to have it. They have NO valid justification to require it. They have NO need for it. This is a violation of privacy. And what if one does not have a cell phone number? Permanently locked out. FURTHER, the Paypal terms of service " Paypal User Agreement '' does NOT require the user to furnish their cell phone number. It says : " If you provide us your mobile phone number ... '' Note that is " IF '' which means it is OPTIONAL. So they are violating their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So I lived in XXXX  and move to XXXX XXXX  on a XXXX XXXX on XX/XX/2021. Both my wife and me. Around XXXX of 2021 my wife got a super intimidating new phone call a company called Fair Collections and Outsourcing located on XXXX XXXX XXXX XXXX XXXX, MD, XXXX. 

We told the gentleman that this wasnt our debt. He had offered nothing to verify the debt. And when we called the apartment complex no one there could verify the debt either. We explain to the credit bureaus that this was fraud and that they should remove the debt from our reports. When need your assistance to resolve and remove this from our credit reports.

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 2018-10-03
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:
inaccurate information reported to all 3 credit bureaus, submitted ftc and po reports already, over 45 days

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 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/23, I received a notification from my XXXX account, notifying me of a new hard inquiry on my credit report. I have not applied to anything new recently, and I have no idea what caused this. I believe it said the hard inquiry was made by capital one, which is especially confusing, because I already have accounts with them, and would not need to open any more. Please help me find out what this hard inquiry was caused from and if I can get it removed ASAP, thank you!

Company response to consumer: Closed with non-monetary relief