BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Trans Union has several inquiries on my credit report that are on authorize or fraudulent and they are refusing to remove them And also a XXXX card decreased my current credit limit from the incorrect information that they received from Trans Union which I totally believe that is unfair. But then they turn right around and approve me for {$3000.00} credit card after they just decrease my credit limit because they said I had several inquiries and credit issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX has several inquiries on my credit report that are on authorize or fraudulent and they are refusing to remove them And also a Discover card decreased my current credit limit from the incorrect information that they received from XXXX XXXX which I totally believe that is unfair. But then they turn right around and approve me for {$3000.00} credit card after they just decrease my credit limit because they said I had several inquiries and credit issues

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2017, I requested a freeze on our credit report due to the hacking problem involving Experian 's data. I received an email on XX/XX/2017 providing our PIN number to use if we wanted to unfreeze our data for a set time or permanently. When I went to the site to fill out the request to unfreeze our data, I received a message that our PIN number was incorrect. I tried several times making sure that the number I received was correct but received the same message. 

I went to their site to see if there was a place to deal with PIN numbers and there is none. Nor is there in the Questions and Answers. I tried several numbers but only got automated recordings. When I finally reached an actual person, he gave me the number for Customer Service but when I called it, I received a message that it wasn't in use yet. There is no chat service or any number where you can talk to a person. The only way given was a lengthly process that involved mailing copies of ID card, social security card, public utilities bill. I would like to be able to contact a person to resolve this. This company controls a citizen 's ability to purchase certain items and needs to provide basic customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want to ask for your help. I discovered that my Wells Fargo account have been stolen from by others, a total of {$7400.00} on XX/XX/XXXX. It has been stolen a total of 3 times. 1 ) {$2500.00} was stolen on XX/XX/XXXX. ( 2 ) {$2400.00} was stolen on XX/XX/XXXX. ( 3 ) {$2500.00} was stolen on XX/XX/XXXX. At 10 pm on XX/XX/XXXX, I found that my account was missing {$7400.00}. I immediately called the number on the back of the Debit card ( XXXX ). The person who answered the call said : We will investigate and gave my claim number : XXXX. She said the investigation will end in 10 working days and 30 days compensation. 

The second day of the investigation, XX/XX/XXXX. A letter came from Wells Fargo saying we are not responsible, we will not compensate, our bank can not withdraw money without a Debit card and password. The letter 's claim number is wrong, the date is wrong, and we are not responsible for what happened. I went to three banks to collect evidence on XX/XX/XXXX. The manager did not know at all, zero investigation. And yet they sent a letter to me saying they investigated and are not responsible for this matter, this is wrong of them, and blatantly lied to me. 

I personally went to the three branches to tell the manager about the matter and asked to view the CCTV and the written signature. The manager staff answered, " We can't do it. The record and receipt can't be provided. ID is not required for withdrawals below {$2500.00}. '' As long as the card and password are correct, money can be withdrawn from any account. Is the business management reasonable? Is it legal? How can I recover from my loss? 

Every time we come to our bank to withdraw money for more than {$1500.00}, the staff asks me to show my ID, but this time they stole {$7400.00}, and there's nothing. This bank is irresponsible and shirking. What is the name and address of the superior department of the management bank? How to deal with this matter and recover from my loss? 

My Debit card is always safe kept in my cabinet, and there is absolutely no leakage to others. It just hangs on XXXX to collect rent, and the money within it was stolen. The day after the tenant 's rent was transferred to the account the amount was stolen. What is the reason for this? 

I have always believed that the bank is safe, so it takes a long time to check the account. Please guide me on how to solve this situation and recover this loss. 

Thanks!

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 2023-05-31
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Trans Union XXXX and XXXX are all placing in accurate information on my credit report from Accounts that are close and do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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: Personal information incorrect

Complaint:
I mailed a letter via certified mail to experian on XX/XX/2021 in reference to addresses that I never lived at, phone numbers that are not mine, and employers I have never worked at are reporting on my credit file. It has been over 30 days and I have not received any correspondence from experian in regards to removing this incorrect personal information. According to the FCRA after 30 days with no response items must be removed from my credit file.

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 2022-12-06
Company: Earm LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Recieved a text message from - XXXX with the following message : " XXXX XXXX We have an urgent matter in our office that directly concerns you. In order to help we must speak with you today at XXXX. XXXX '' Called the number. They claim to be a debt collection agency working on behalf of " XXXX '' that claims I owe them a debt from 2015. They have my address, social security number, name and employment history. They claimed the company had attempted to communicate with me before, which I have recieved no such communication. Answering rep claimed they were filling for wage garnishment and a hold on my drivers license, whatever that is. I asked for written evidence of the debt. They claimed the company was " done jumping through hoops '' and were going to proceed with legal charges. I refused and ended the call.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2021-08-17
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have tried numerous times to apply for a line of credit i keep sending all the required documents and i keep getting denied it says unable to verify my identity i checked with all credit bureaus and my information is current in there systems. Netcredit could not give me a clear answer as to what identity they could not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : 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 2023-09-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
A few months ago I received a cash advance from my bank : Truist, forrmally XXXX XXXX XXXX. 

Today I got an email that my checking account had a negative balance.. When I signed into their website I saw they had used my SSDI monies to pay what I could not pay the last two months, the payment for the cash advance. 

I called the SSA and was told these monies were federally protected. However when calling Truist they told me their bank has written in rules that allow them to over-ride the federal gov 's policies. 

This is not only illegal, but cruel. I am XXXX and have been since I was very young, now middle aged all I have to live on is my SS monies. I read them out all the laws pertaining to this but they only directed me me to a PDF TAC in which in very small print they state that they ( Truist ) are allowed to take out protected monies from a person 's account. 

Please help. 

Sincerely, 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 explanation
Consumer complaint received 2021-12-28
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX 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 2022-11-24
Company: EQUIFAX, INC.
State: NM
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-17
Company: NCB Management Services Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX will not verify the debt. They have been calling 3rd party 's regarding a debt and they as I have asked that they send me something to verify the debt via e-mail or mail and to this day they have not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/23 ( 14 days elapsed today ) I paid the total balance of my card, my money was debited from my bank account, but my credit limit, 2 weeks later, still doesn't reflects the payment. Synchrony has been using my cash for two weeks, without reflecting the payment in the available credit. 

Bear in mind that my payment was a money transfer from a bank account to Synchrony, we are not talking here about waiting for the clearing of the fund, which is the excuse that Synchrony use. " Since it is a significant amount we put a hold in the application of the payment ''. The funds must be cleared at least 10 days ago. In the meantime, Synchrony is withholding a debt that does not exist to charge interests eventually. 

I think that the CFPB should consider this ilegal appropiation of funds, not just to receive a superficial, non valid answer as to the waiting period to apply a payment. In summary this should be considered as appropiation

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 2022-12-07
Company: EQUIFAX, INC.
State: MA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXXXXXX XX/XX/2022

Company response to consumer: Closed with explanation