BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I once had a checking account with Wells fargo and it was closed due to charges that was not authorized. They would look into it they just closed the account. I have tried to open a new one but have been denied. I do have my savings account but no checking account.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 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 2022-12-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi Bank blocked my Citi XXXX XXXX on the first day of use, citing fraud prevention. I called them to ask them to lift the block. But they said they could not verify my identity using my cell phone, because my cell phone was not registered under my name. They said they would send me a physical letter with a code instead. I waited for weeks for the verification letter, but it never came. After a couple of weeks, I called them again to ask them to send another one, and the new one also never came. 

It has been almost XXXX months now, and I have not been able to use my credit card ( and can not meet the spending requirement during the first XXXX months to qualify for the sign-up bonus ). So I asked them to cancel my card and refund the annual fee. They refused to do so, saying that I would have to go through the verification process in order to be able to cancel the card. 

Citi Bank leaves me no option at all. My card is blocked with no practical way to lift it, and I can not even have the card cancelled.

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 2022-03-21
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
When I tried to access my online account there was a message that I had to call the credit union for assistance. When I called I was told that there was a permanent block on my account because of returned ACH transactions. I told them that there should have been only 2 ACH transactions that I authorized or imitated. One with XXXX XXXX which was returned due to account frozen and a transfer from my XXXXXXXX XXXX account to bring the account back into a positive. All other ACH transactions were done by the credit union without my authorization probably again to XXXXXXXX XXXX after they already knew that the account was frozen. Now I'm being penalized for repeated returned ACH that I XXXX not authorize nor was informed about. My funds in the account have been brought to a negative because of repeated attempts to perform an ACH with XXXX XXXX that was once returned for account freeze that has been on the account since XX/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 explanation
Consumer complaint received 2022-03-21
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: Public record information inaccurate

Complaint:
I reached out to XXXX/Experian/XXXX  to remove the texas attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.

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 2023-06-06
Company: CORELOGIC INC
State: MD
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 check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. XXXX, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: TN
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:
HAVING ALREADY STATED THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS AND PUTTING A BAD LOOK ON MY CREDIT PROFILE AS A WHOLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion just had my credit score not even two weeks ago at XXXX I lo on today and they have decresed it the same exact amount that was increased to XXXX.I 'm sorry but Transunion credit scoring is XXXX   XXXX! I want something done about this f'in company. All they do is go around making everyones score go on a roller coaster up one week down the next. The whole credit scoring system should be thrown out. It's all nothing but a punch of pure 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 2023-01-20
Company: EQUIFAX, INC.
State: KS
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:
My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. HIgh Balance, XXXX activity and XXXX. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High Balance {$0.00} {$3100.00} Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: GA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was sent a letter from WF saying my account was negative for a bad check but like I told the reps I spoke to about this that I didn't cash or deposit any checks and wasn't going to pay for something j didn't do eventually WF just stopped reaching out or returning my calls and my account was closed

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 2018-02-13
Company: EQUIFAX, 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:
On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX/Equifax and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/Equifax and XXXX Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} ; XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX  XXXX : {$3000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4400.00} ; 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 2022-03-21
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Prior Complaint Number : XXXX follow-up. As of XX/XX/2022, the company has yet to properly validate the debt and consumer has not yet received any such validation at consumer 's USPS address. This is a clear violation of the FDCPA and FCRA. Enough time has gone by for the company to validate this debt properly. I request the CFPB to hold the company in violation of the FDCPA and FCRA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: WI
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX - IDENTITY THEFT 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 of 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
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm filing this complaint to tell you that, I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX  - XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.

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 2020-01-11
Company: Collins & Hilton Asset Group, LLC
State: IL
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:
This account has been disputed at least four times with XXXX, XXXX, and XXXX. I, have never had an account with XXXX XXXX XXXX. The information is unable to be validated, or confirmed, and need to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal is not giving me the refund a merchant made to me despite numerous attempts to get my money back. I am filing a complaint of fraud against PayPal On XX/XX/2023, I purchased a refrigerator from XXXX XXXX, using my PayPal account, in the amount of {$750.00} My PayPal account is linked to my XXXX XXXX credit card, which PayPal instantly charges for all my transactions, and which PayPal credits for all refunds On XX/XX/2023, I purchased a refrigerator from XXXX online, using my PayPal account, in the amount of {$750.00} Upon immediate same-day return of the merchandise, XXXX issued a refund to PayPal and provided me the proof of the refund. 
PayPal has, up until now and despite numerous inquiries, not passed the refund to me, claiming it received it. XXXXXXXX XXXX has provided proof of refund. PayPal has provided nothing to substantiate its position, and refused to investigate the possibility of error of misapplication of credit, or contact XXXX XXXX  to challenge the document provided. 
There's no refund and all entreaties have been met with stonewalling and lies claiming " someone will contact me within 24 hours '' on each occasion, Please see documents loaded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want the company to remove the unauthorized inquiries in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was promised two tickets to a football game and did not receive any tickets once I paid XXXX dollars over XXXX. I was scammed by a women with the email address of 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