BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been dealing with trying to fix my credit report since XXXX of this year. My credit report is incorrect and has impacted my life. I had looked into refinancing my house in late XXXX. I was denied. All I should have on my report is my mortgage and XXXX student loans. I looked at my report through all 3 credit reporting agencies websites. XXXX and XXXX investigated and corrected my disputes. TransUnion investigating for a couple of hours and concluded my report was correct. XXXX XXXX XXXX the report changed every day. I disputedthe changing reports 8 times. XX/XX/XXXX was the last time I was able to view my report on their site. The date on the report said XX/XX/XXXX and my twin sister 's name was now under my social security number. I tried to contact customer service but could not get through and was denied because I could not verify who I was. On XX/XX/XXXX I attempted to open my TransUnion file I had saved on my computer. The screen went black and flashed a security alert. I was able to take a picture when I hit the alert. It was a XXXX virus that had affected the TransUnion file. My computer was hacked and so was my email. I was unable to speak with anyone from TransUnion. I contacted XXXX and XXXX to place a freeze on my reports. As a precaution I was advised to place possible identity theft and fraud. Fraud being the fact that TransUnion continued to change my report, verified it to be true many times without looking into any of my disputes then took my social security number. Identity theft due to the fact that my email was hacked and had to be changed several times and I was told by XXXX my information was found on the dark Web 8 times. I would like someone to look into this matter. I can not verify who I am, my name is on the dark Web, my sister is associated with my social security number and my credit score has dropped from over XXXX to XXXX. I can not place a freeze on TransUnion 's report. I have been stressed and overwhelmed dealing with all of the financial issues that are not my doing. I have attached some of the reports I had through my own email. I can no longer access any other files on my computer.

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 2023-04-10
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$21000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX XXXX XXXX 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 2023-04-13
Company: WELLS FARGO & COMPANY
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
dear WFXXXX I am filing this complaint with the cfpb because you guys have not taken my identity theft seriously. on XX/XX/ the Permanent Fund Dividend Division of the state of Alaska lost my name my dob, social security number, my address everything that on my my birth certificate and all my bank info as well. after I submitted my application for my yearly PFD the page reloaded with someone else 's information. i contacted that person to let them know what happened and then contacted the state of Alaska to let them know what was going on with there website but because it was a weekend and a holiday there offices were closed. so i did the next best thing i called all the local news stations.so they can warn people what was going on they come to my house and did a interview with me so other Alaskans would know not to file there pfd until the state fixed there website the media was also able to get hold of the governor and he order the state to shut down the pfd website. the following XXXX I contacted the three credit bureaus and put an extended fraud alert on my credit report but that haven't seem to stop the people who have stolen my identity from opening accounts in my name i have sent you copy of my police report and other documents showing i am a victim of identity theft and you guys have not resolved this problem

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 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, and XX/XX/XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: CA
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 did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to run inquiries on my credit report. I had no knowledge of these accounts/inquiries. THIS IS 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 2023-07-05
Company: Experian Information Solutions 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 did not authorize XXXX XXXX XXXX ( XXXX ) or XXXX XXXX XXXX XXXX XXXX XXXX  ) to open any accounts in my name or make any reports to my credit report. This is identity theft. I have NO knowledge of these accounts.

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 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Fund 's not available in account. Check not available 21 act violations. Expedited funds act violations

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 complaint is being made by me personally not by a third party or just some template letter. I tried to purchase something on credit and they told me i didnt qualify and then when i looked at my credit report i noticed some accounts that i never signed up for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have writing several dispute letters disputing the reporting of late payments on my XXXX XXXX XXXX account, as reflected on my credit report. I believe that Experian, as a consumer reporting agency, has violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section 1681a ( 2 ) ( A ) ( i ), particularly regarding the reporting of information during the COVID-19 pandemic.

As a result of the unprecedented circumstances created by the COVID-19 pandemic, I, like millions of other individuals, have faced significant financial challenges. These challenges have included job losses, reduced income, and unexpected expenses, making it difficult to fulfill all of my financial obligations in a timely manner.

In accordance with the FCRA Section 1681a ( 2 ) ( A ) ( i ), it is imperative that consumer reporting agencies, such as Experian, report accurate and up-to-date information. Given the unique circumstances brought about by the COVID-19 pandemic, it is essential that these reporting agencies consider and properly reflect the impact this global crisis has had on individuals ' ability to meet their financial obligations. Additionally, Prior to the pandemic, I maintained a good payment history with XXXX XXXX XXXX. However, as a direct result of the pandemic 's adverse impact on my financial situation, I experienced difficulty in meeting the original payment terms. In response to this situation, I proactively contacted XXXX XXXX XXXX and provided evidence of my financial hardship, including documentation of reduced income and increased medical expenses incurred during the pandemic. 

Recognizing the exceptional circumstances, XXXX XXXX XXXX granted me a temporary payment arrangement, allowing me to catch up on my missed payments gradually. Regrettably, these accurate and agreed-upon details have not been properly reflected on my credit report maintained by Experian. 


Experian is also reporting my credit acceptance account as open with a balence this is incorrect. My credit acceptance account has been PAID, CLOSED with a {$0.00} balence. Please view attachment below.

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 2023-04-10
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have inaccurate reporting information on my credit reports thats not being removed with Equifax Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern, On XX/XX/2023 I received a phone call from someone claiming to be with Wells Fargo. They said that I had some unapproved charges on my account and asked if had made them. I said no and they sent me a link to click on for account verification. I did and it would never load so I cancelled after about a minute, I told them to call me back after XXXX XXXX since I was at work. They did call back explaining how I needed to give them my PIN number so it could be changed so my account would be safe. I did not give my PIN number, I found this very suspicious. On XX/XX/2023 I received an email from Wells Fargo about a wire transfer ( {$22000.00} to a XXXX mobile detailing ), I immediately called XXXX to state that I did not authorize a wire transfer from any of my accounts. I then received a text message saying that the transfer had been cancelled. Case # XXXX was then opened with the fraud dept. I checked every other day to check the status and was told the wire transfer went to a XXXX XXXX XXXXXXXX and the money was requested back. I called XX/XX/2023 and was told that XXXX XXXX XXXX showed a XXXX balance and that they had no money to send back, so my money will not be refunded to my account. I spoke with XXXX with Wells Fargo Fraud Dept. and she explained to me that I need to write this letter of Appeal for the new case # XXXX. I still have the Emails and the texts from the numbers that I have already reported. I hope this issue can be resolved and the money be deposited back in my 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 2023-07-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 explanation
Consumer complaint received 2023-10-16
Company: DISCOVER BANK
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Financial Service abruptly closed my account after 8 plus years without any satisfactory reason or the requested documentation. Discover continues to sent unsigned computer generated responses with no living person to converse with or direct my inquiries. They are required by law to supply the consumer with the information that has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Ive been trying to get this issue resolved for a while. The incident was previously given the number XXXX XXXX XXXX XXXX XXXX  The XXXX system was hacked and the banking information was changed to a personal account with Marcus at Goldman Sachs. I have contacted Marcus at Goldman Sachs and I spoke to a representative that said the person the payments were transferred to is XXXX XXXX, Bank Routing number, XXXX, Account number ending in XXXX. The full account number can be given if needed. I have not received any additional updates from Marcus at Goldman Sachs about fixing the fraudulent transfers and correcting the error. 

Below are the payments that I did not receive from nightly transfers from our POS system : 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 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Several times when checking my credit report, I have noticed a credit card account that was not mine. In XXXX, I noticed an incorrect address listed on my report. That was removed after I disputed it. In XXXX I filed a dispute re a cc that appeared that was charged off that I believe to have been opened fraudulently in XXXX Credit bureau dismissed this. Filed another claim a few days ago, also dismissed. Today i tried contacting Bank of America who reported the initial credit card charges and delinquency. I spoke to XXXX different people in XXXX different departments, no one seemed to be able to help me resolve this. 
I believe someone used my ss # to obtain this credit card and then never paid it. 
I just want this removed from my report. I never open 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls and reneging of previous deals reached, speaking of threatening my life with the credit mark until XXXX, abusive and profane language and insinuations about me. I want to pay off the debt for the lowest amount, we agreed on XXXX or so and now it is XXXX or so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Bread Financial Holdings, Inc.
State: OH
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 have an unauthorized hard inquiry from comenity/ XXXX. I monitor my credit regularly, and as soon as I saw this I disputed it with XXXX and that did nothing. I also tried to call the company but keep getting transferred to a line that stays an hold for very extended periods of time. This is the phone number I called for the credit card company XXXX. 
XXXX was the only bureau where I didnt have my credit frozen, and I now do. I have not sought to open any credit cards or lines of credit in many years. This is absolutely not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX reports alleged medical debt that is less than XXXX year past due. 
The legal definition of medical debt is debt that arose from the receipt of medical services products or devices.

I was forced to receive medical services products and devices. Thats the alleged medical debt.

It is irrelevant as to how medical debt is financed its only relevant whether it arose from the receipt of medical services.

Per law Medical Debt can not be reported on the credit report until is at least 365 days past due. XXXX continues to be in violation of this law. 
Please see attachments for the legal description of medical debt. 
XXXX failed to respond my Better Business Bureau complaint about the ledge medical debt. 
I do not want XXXX to disclose any information other than information about the medical debt and how its going to be rich move from 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