BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On Thursday XX/XX/2022 @ XXXX XXXX  I received an email from XXXX XXXX XXXX XXXX regarding A Credit report alert stating that my credit score had decreased by XXXX points. 
On Friday! ! XXXX, I contacted XXXX XXXX XXXX XXXX XXXX which I have Savings and Checking accounts with and an auto loan. I was told by a XXXX associate that I should contact Trans Union Credit Bureau because that is where they received this information. I immediatly contacted them and spoke with a agent who reviewed my information and could give me no reason why my credit score had been lowered by XXXX points and advised me to request a free trans union credit report and purchase for XXXX cents my credit score. I did all of the above, reviewed my report and score and can not understand why my score was decreased by XXXX points. The report shows 4 positive factors and 4 negative aspects. 

Positive Aspects 1. Total of all balances on bankcard or revolving accounts is not too high 2. You have few or no accounts that were opened recently 3. There are no or only a few recent delinquencies on your accounts 4. The balances on your accounts are not too high compared to loan limits Negative Aspects 1. Lack of sufficient credit history on bankcard or revolving accounts 2. Balances on bankcard or revolving accounts too high compared to credit limits 3. Lack of sufficient relevant first mortgage account information 4. You have either very few loans or too many loans with recent delinquencies Looking at both of these aspects, Positive # 1 contradicts negative # 2 positive # 3 contradicts negative # 4 My mortgage is 2 years and 7 month old with the XXXX XXXX XXXX XXXX XXXX, always paid on time with a balance of {$260000.00} I have absolutely NO DELINQUENCIES I spoke to an Agent on Friday who could not or would not answer any question, when I asked to speak to a supervisor i was told i would receive a call back within 72 hours at XXXX XXXX  EST. I did not, I called back today and first spoke to XXXX who suggested that I open a new credit card, which may help, and I asked for someone who could answer my question and was transferred to XXXX, who was very nice but could not rectify the problem. 

I feel this is a scam to try to get me to subscribe to their credit protection service for {$24.00} a month or get me to apply for more credit cards.I would like my credit score returned to where it should be XXXX. Thank You 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 2020-03-16
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I own XXXX XXXX  and closed one of them. My XXXX XXXX XXXX service was automatically paid from my checking account for the 4 years this particular XXXX  was open. When I closed the XXXX  in XX/XX/XXXX, I contacted XXXX XXXX XXXX, they explained to me that the account would auto bill the last payment, I could keep the equipment as it was paid for long ago. I provided a forwarding address for the last invoice so I would have for my record. I never received any type of documentation from XXXX XXXX XXXX or anyone else. In XX/XX/XXXX I was notified by my credit monitoring service that a collection account hit my credit report. I called the collection agency and found out this account was for XXXX XXXX XXXX for the above referenced account. I immediately called XXXX XXXX XXXX and asked why I received no notification or why this bill did not auto pay, I got that we are not sure why and I will be happy to forward this to supervisor who will call you within 24 hours. I received no call. Called the collection agency ( MRS Associates ) and  explained situation to them, they said they can only remove from credit report if XXXX XXXX XXXX directs them to do so. Called XXXX XXXX XXXX back and spoke to XXXX in the escalations department @ XXXX, she said that they had mailed bills to the old address and that is why I never received a bill, that restaurant was closed. I asked her to remove this from my credit report, she told me they were unable. I have 3 other accounts with XXXX XXXX XXXX and have never been late ( they all auto-pay ), I would not stiff them for {$75.00}. I am asking that this be removed from my credit report as I was never notified there was a balance due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am told that i must get confirmation from the creditor who placed the information on my report but the creditor referred meto the the credit reporting agency. 

I am expected to go through extreme measures to remove inquiries that i do not recognize but it took them only a few seconds to place the misinformation on my report that was not confirmed by me. 

The reporting agencies are supposed to protect the consumer but it is clear that the their loyalty belongs to the those who pay them and keep them financially solvent. 

If the credit reporting agencies are no protecting the consumer, why do they exist. Maybe they should be disbanded or the inquiry reporting done away with so that it is no longer an impossible challenge when the consumer is faced with fraud and unauthorized inquiries.

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 2019-01-07
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a return plane ticket through amextravel with points. Separately charged by the airline. When I called amex to ask why this charge was on my statement, they didn't know and said to dispute it. I did which resulted in amex cancelling my ticket. I was stuck in XXXX with no way home, ended up spending XXXX to get home and amex 's dispute resolution team determined it was not their fault the ticket was cancelled but rather XXXX. I have not received a resolution from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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.

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 2020-03-16
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 have submitted several Disputes about my Inquires on my Equifax credit report, all the inquires were not Authorized by me and I also told Equifax that my information has been compromised and this company has done very little to removed the inquires on my credit report, I have also submitted Documentation of a police report from the XXXX XXXX Police Department to report that someone is trying to use my credit to attain bank accounts and credit cards in my name. The following Inquires need to be removed from my credit report because I did not authorized them. 

XXXX, XXXX XXXX  XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a payment of {$35000.00} was wired to my XXXX XXXX XXXXXXXX Account. 

XXXX ) The following day, XX/XX/2023, I wrote a {$25000.00} check from my XXXXXXXX XXXX account to Wells Fargo. 

XXXX ) On XX/XX/XXXX, the deposited funds were noted as available in my account. 

XXXX ) However, on XX/XX/XXXX, around XXXX XXXX, I received a text message from Wells Fargo, informing me that I would not be able to access the funds in my account. 

XXXX ) Frustrated and concerned, I visited a local Wells Fargo branch around XXXXXXXX XXXX on XX/XX/XXXX, specifically the branch located at XXXX XXXX XXXX, XXXX, VA. The banker I spoke to informed me that the bank had the right to hold any check deposited via my mobile device for up to 10 days and that my funds would not be available until XX/XX/XXXX. When I inquired about the criteria triggering the hold, she explained that there was no fixed criteria, and they had the discretion to hold funds as they saw fit. 

XXXX ) On XX/XX/XXXX, I visited the Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, MD, and met with XXXX XXXX, the Branch Manager. I presented my bank statement, clearly showing that the funds were already in my XXXX XXXX account at the time of the deposit into Wells Fargo. XXXX XXXX, too, was puzzled by Wells Fargo 's refusal to release my funds. He dedicated 45 minutes to advocating on my behalf, even contacting Wells Fargo 's fraud prevention unit, but unfortunately, his efforts were in vain. 

XXXX ) To this day, I have not received a satisfactory explanation for why my funds are being held by Wells Fargo. I was simply told that the money would be released on XX/XX/2023. 

Wells Fargo 's actions amount to fraudulent behavior, as they are withholding my money without any valid reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Phoenix Financial Services LLC
State: TX
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:
The reporting company, PHOENIX FINANCIAL SERV, is violating my rights under HIPPA Law for account XXXX XXXXXXXX. I have reached out to them via mail ( see attached ) requesting information regarding the collection. I have not received a response from them with the requested information and it has been 30 days. That is grounds for removal for the reporting company and medical center reporting personal information without my approval. Witholding the information they received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because they are deceiving me after my written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
my personal bank account was blocked when someone filed a fraud claim against my account due to " merchandise not delivered ''. 
The transaction originated XXXX XXXX ( amount {$580.00} ). opened a claim first week Of XX/XX/XXXX. {$510.00} was debited from my account -- This client continued to transact with my company and did not disclosed any issues. 

I have submitted proof of delivery, tracking numbers stating the items were delivered XX/XX/XXXX,, a sworn statement and a copy of demand letter sent to this person to revise the chargeback/settle payment. 

I have been a loyal keybank customer since XXXX. I am not the scammer here, yet this has caused me so much inconvenience, including multiple trips to the bank, multiple calls to the bank, emails and also, my paycheck goes through this account, I was not able to access it, I had to go to the bank for them to unblock my account for few minutes while I transfer my money to a different account so I can access it. I don't know what evidence the other person provided to them, this person is also denying she filed a claim with her bank, she even said '' the bank got it wrong ''. I told the bank about this. I called the bank yesterday and was told this is still under review. 

i am hoping this get resolves soon. I hope this person doesn't get away with $ XXXX and $ XXXX worth of merchandise for free.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: BYL Collection Services
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION BYL SERVICES ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$89.00} does not belong to me. This account was fraudulently opened through this companyBYL SERVICES ( XXXX XXXX XXXX ) in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-11-08
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
At the end of XXXX, I requested a refund for a payment ( {$4200.00} ) I made during the pandemic and under Bidens new policy I was eligible for a refund. It has been over 6 weeks and I have not gotten an answer on the status of the refund. I have called Mutiple times, but no one has given me an answer on what they are waiting for or how long will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institutions. : These is all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegal inquiries is reported illegally on my XXXX report XXXX, XXXX, and TransUnion reports and must be removed asap. also my XXXX report has many errors including a date of hirth of XX/XX/1984 which is inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be deleted from my credit report under section XXXX XXXX XXXX XXXX XXXX ( B ) or the fair credit reporting act. pursuant to section XXXX XXXX Code XXXX ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person XXXX not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information.

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 2023-12-16
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:
Reached out to transunion, experian, and EQUIFAX multiple times about my consumer report. All ( 3 ) major credit companies have refused to correct my consumer file and I am seeking to file small claims court against each credit bereau for mis handling my Fair Credit Reporting Act rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: TX
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:
Pursuant to 18 usc 8, I owe no debt this violation my consumer right to privacy pursuant to15 usc 1681 B 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX XXXX XXXX. This account has reached its statutes of limitations because it is over 7 years old. The contract date of this account is dated back to XX/XX/2016. I want this account removed off all three credit reporting agencies XXXX, TransUnion, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hi I am submitting this XXXX XXXX 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