BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account XXXX XXXX is inaccurately reporting on my credit profile associated with my social security number and is in violation of my consumer rights per the following information : Based on the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

First, there is a discrepancy in the account number between TransUnion and XXXX. TransUnion shows the full account number as XXXX, while XXXX shows only the first XXXX  digits as XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Second, XXXX does not provide any information about the account type detail. TransUnion and XXXX both show the account type as " Revolving '' and the account type detail as " Credit Card '' for TransUnion and blank for XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Third, there is a discrepancy in the high credit amount reported by XXXX. TransUnion and XXXX both show the high credit as {$730.00}, while XXXX shows it as {$600.00}. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information.

Finally, there is a discrepancy in the last reported date between TransUnion and XXXX. TransUnion shows the last reported date as XX/XX/2016, while XXXX shows it as XX/XX/2016. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information.

In summary, the inconsistencies in the credit report violate FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. Specifically, the inconsistencies involve incomplete account number reporting, incomplete account type reporting, inaccurate high credit reporting, and inconsistent last reported dates.

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 2023-05-10
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 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 explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I appear on an account that belongs to my ex husband. I called the issuer and they told me that they can't rwmove 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good afternoon, my situation is as followed : I paid on my vehicle loan for 7 years via autopay through PNC Bank. Apparently, the very last vehicle payment is supposed to be paid via check or other source, but is not paid via autopay. I was unaware of this, as all of my other payments were under autopay for 7 years. Sometime XX/XX/XXXX I saw my vehicle loan payment had not been taken out of my bank in XXXX, so I assumed that meant the loan was fully paid off. Well, this was not the case. I received an email from PNC Bank XX/XX/XXXX stating my account was past due. I immediately called PNC Bank and spoke with a male associate who stated he would put in a request to have the late fee removed, but stated I had to wait a few days to pay my last payment. I called PNC a few days later and spoke with a female associate who stated the late payment should be removed and that this thing happened all the time at the end of a loan, due to the last payment not being autopay. The PNC associate stated I should have received a bill in the mail for this last payment. In all honesty, if I did receive a bill from PNC I would have thrown the piece of mail away without opening it, as I would have just assumed it was my monthly statement- NOT a bill. For the past 7 years I have received a statement every month from PNC Bank regarding my payment being autopaid so I stopped opening these since they were always the same. Anyway, once I became aware that I still owed 1 payment, I paid it. I paid my last vehicle payment XX/XX/XXXX and then I received a notification from credit reporting that I had a late payment tagged to my credit report. My credit report was greatly impacted by this late payment. I would like to have my case reviewed as I never once submitted a late payment in 7 years of paying on this loan and then this happens the very last payment. This was all a big misunderstanding and now my credit score has been greatly affected over all of this. I had excellent credit until this negative hit from a late payment that I had no idea about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wellsfargo called me twice on XXXX and I missed those calls. They called me again on XXXX around XXXX in XXXX  and I answered. She said she was calling from the Wellsfargo fraud department and that someone in XXXX, XXXX  was using my bank information to make purchasesone was pending for {$1200.00} and XXXX was pending for {$320.00}. The number was identical to the number on the back of my debit card. She told me she needed me to follow some steps to correct this if it was indeed fraud activity. She asked if I had recently travelled or given my bank account information to anyone. I said no. So she sent me a security code to verify my account. Then sent me a link to log into my account and thats when all of a sudden, I was enrolled in wiring, she added a recipient by the name of XXXX XXXX which I have no idea who that person is and wired {$11000.00} from my savings account. I was sitting in branch at the closest Wellsfargo within XXXX min of getting disconnected from this person who claimed to work for Wellsfargo. I told them that I did not authorize this wire and that I was never notified to give authorization for this wire. I called Wellsfargo today because I have not received XXXX follow up phone call on an outcome of this claim and they told me that they closed the case and that I will not be receiving my money back because I authorized this wire from my device. This is such a scam and it cant possibly be that easy for someone to steal all of my money from my online banking account. I want my money back now. I am recently widowed with XXXX small kids that I need to care for. Wellsfargo has insurance that protects my money. Why arent they using it to get my money back? This is not right that, I the consumer, should have to suffer because of an inside job with wellsfargo and because wellsfargo doesnt have the proper checks and balances in place to stop a fraudulent wire within minutes of it being initiated. Please make this right. I have hired an attorney and will go to great lengths to get my money back.

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score.

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.

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 2023-12-14
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: Personal information incorrect

Complaint:
XX/XX/23 I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.

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 2023-04-09
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'm writing to request that the XXXX XXXXXXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account name : XXXXXXXX XXXX XXXXXXXX 15 U.S. Code 1681 section 602a states I have a right to privacy.

15 U.S. Code 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish any account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Section states know, consumer reporting agency may make any consumer report containing any of the following items of information, other than records, convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: AZ
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 Report Act, XXXX  Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my right to privacy . 15U.S.C. 1681, Section 602A ( as listed below ) states that I have the right to privacy.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, 15U.S.C. 1681, Section 604A ( as listed below ) states that a consumer reporting agency can not furnish an account without my written instructions which I have not provided.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, the following inconsistencies can be observed : The Date Opened of the account on TransUnion is XX/XX/XXXX, while on XXXX, it is XX/XX/XXXX. There is a difference of 24 days between the two dates, which indicates a reporting error. 

The Date Last Active on TransUnion is XX/XX/XXXX, while on XXXX, it is XXXX XXXX XXXX There is a difference of 96 days between the two dates, which also indicate a reporting error. 

The Payment Status on TransUnion is Unknown, while on XXXX, it is Current. This inconsistency can indicate a failure to report accurate and complete information to the credit reporting agencies. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete. In addition, FCRA Section 611 ( a ) ( 1 ) ( A ) gives consumers the right to dispute inaccurate information on their credit reports and requires the credit reporting agencies to investigate and correct any errors.

In addition, the account comments state XXXX XXXX  bankruptcy for Transunion and Account has been closed due to inactivity for XXXX. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete.

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 2021-10-29
Company: WELLS FARGO & COMPANY
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
WELLS FARGO BANK XXXX Opened XX/XX/2011 Balance {$0.00} Late Closed-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I lost my wallet and my information was also released in multiple breaches. I also was a victim of the XXXX  Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So XXXX  is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against XXXX. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with TransUnion and XXXX. With XXXX  acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.

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