BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: DISCOVER BANK
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2022 My husband passed away and I provided a death certificate shortly thereafter. They have failed to provide the Proof of Block Account for both the Savings Account and CD Account as required by the State of Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TFS FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX, we closed our ThirdFederal HELOC account XXXX having it paid off with a new HELOC  company. On XXXX we got docs mailed about the lien release. Access to the closed account was removed from our online portal. On XX/XX/XXXX, ThirdFederal drafted {$600.00} from our linked bank account. We had that amount set up as an autodraft previously. On XX/XX/XXXX I called ThirdFederal and said that I wanted the {$600.00} reimbursed. I spoke with XXXX. She told me that the funds were returned that same day. After checking my bank accounts, I let her know that it did not come back to me electronically into the same account it was taken from. I subsequently asked my bank if they saw an attempted return of the money taken and they said no and said to ask for the tracking number on the payment from ThirdFederal. XXXX was unable to assist further. We contacted ThirdFederal through the banking portal ( bc we still have our primary mortgage with them ) and asked for the ACH re-payment tracking number. XXXX XXXX instead stated in response to our inquiry, " When this happens, we hold the funds for 8 business days and mail a check to the address we have on file. I do see a check in the amount of {$600.00} was mailed on XX/XX/XXXX. The check number is XXXX and we do ask that you wait 7-10 business days to receive it. '' We waited until XX/XX/XXXX to receive the check and since we didn't get it yet called ThirdFederal again today and said so. XXXX took the call but was wholly ill-equipped to deal with this problem and had to keep placing me on hold so he could coordinate with the people who really could " help. '' XXXX came back on the phone at one point and said the money went to an account ending in XXXX as though that meant something to us. We confirmed we had no bank account ending in that account number - I even checked our new HELOC #. He also at one point said he was told no check was sent out. I asked XXXX about his supervisor 's name and he didn't give it to me and redirected the question. He said that he will call us back tomorrow after more research is done by this other department. They made it impossible for us to cancel the $ XXXX payment closing us out of the HELOC portal, took the money unauthorized, tell us they are sending it back but don't, and then give us frustrating run arounds and don't let us talk to anyone capable of giving us the {$600.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-08-18
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Account status incorrect

Complaint:
XXXX XXXX XXXX told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXX XXXX had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXX XXXX but they have yet to correct the information on my consumer repoort.

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 2023-07-09
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: Account status incorrect

Complaint:
I have been battling with the 3 credit bureaus, XXXX, XXXX, and TransUnion since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently disputed fraudulent items on my credit report. I sent the letters and supporting documents and have not received an appropriate remedy for my identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. Experian, XXXX and XXXX, before the account became a charge off, my credit limit was {$800.00} and as of today, XXXXXXXX XXXX is reporting on my 3 credit reports that I owe them {$880.00}. I do not owe XXXX XXXX {$880.00}, again my credit limit was {$800.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by XXXX XXXX I do not find it fair or correct that XXXX XXXX is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this 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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I previously submitted 3 complaints each detailed fraudlent inquiries on my credit report on XXXX, XXXX and transunion it hasbeen more than 30 days they have not responded with proof that these were ligitmate inquiries. I requested that they be removed and as of this complaint they still have not been removed. As a result I have been unable to secure a loan and/or 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 explanation
Consumer complaint received 2019-02-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got a new job and request to push 2 payments back and they didnt do so till later and my credit score went down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: MN
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:
Wells Fargo XXXX XXXX XXXX XXXX ID # XXXX {$350.00} XXXX XXXX Charges Unauthorized due to Immediate Cancelation after sign up XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$29.00} XXXX XXXX claimed to credit XXXX Wells Fargo Credits Additional months not shown in the above charges XXXX {$24.00} Dispute ID # XXXX XX/XX/XXXX {$24.00} Dispute ID # XXXX XXXX {$59.00} Dispute ID # XXXX Total Credits {$100.00} These month charges not included in above months charges This company conducts fraudulent business practices as displayed by attached law suit, XXXX XXXX XXXX Complaints, and XXXX XXXX XXXX, with multiple other complaint companies not included in the attachments, as too many to include. 


NOTE : The files are difficult to open and may require Open in Viewer and then wait for scanning to complete to open. Files are critical to open so attempts of various means recommended.. 


I canceled immediately after sign up in XX/XX/XXXX, as I began to read the fraud of XXXX XXXX. They refused to cancel and continued billing my account monthly. I contacted Wells Fargo several times to file a dispute to unauthorized charging continuing on my account with the merchant refusing to stop. There was no contract. I asked Wells Fargo to block the merchant which they failed to handle as well. Finally, after a year Wells Fargo disputed it and sent back the last three charges as unauthorized charges. When Wells Fargo finally entered the dispute over a year later, they only credited the last three months ( shown above ). 
I filed cases with the Executive Office, but to no avail. This is Wells Fargo 's responsibility as they failed to stop the charges, block the merchant to stop future charges and file a timely dispute when brought to their attention that they needed to help this matter and to credit the account early on for unauthorized charges

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 monetary relief
Consumer complaint received 2023-05-24
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please omit these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank has unilaterally decided to lock my access to my online accounts due to alleged suspicious activity ( however there has been NO suspicious activity ). The bank failed to notify me of the purported suspicious activity or their locking of my account. The only way I discovered that I had been locked out was when I needed to make an urgent transfer ( my son is in desperate need of funds ) and I got an error message on the website that said to call the bank because my account had been locked. I called the number it said I needed to call ( it was just the generic bank phone number ). I went through every option available- but every option said the bank is closed, call back when customer service is open, even for reporting fraud. It is XXXX weekend, so I must now wait several days to get someone. It is also tax time and I need to access my account for that as well. I kept calling and calling every Chase phone number I could find on the internet with no luck. I finally got a person on the credit card fraud line, but they said they could not open my business account, only my personal account. They helped me do this, but the account prohibited me from making any payments or transfers, so it was useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Midland Funding LLC charged me {$700.00} which I was not owned. It hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the information in my credit report. No validation or originals were provided. No investigation to validate debt was performed. Please remove from profile XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: OH
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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly. 15 U.S.C 1611. States youre supposed to be notified of all signing information. 15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to Experian, XXXX, and XXXX requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 explanation