BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need these accounts removed from my credit report there are two different collection agencies reporting on the same account XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the same accounts. 

XXXX XXXX XXXX : XXXX  XXXX These accounts have been paid in full but are still reporting to TransUnion XXXX and 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 2020-06-13
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: Their investigation did not fix an error on your report

Complaint:
Bank of XXXX credit card not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: OH
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:
Equifax is reporting 6 " untitled '' creditors to my credit report. I have sent them a validation letter asking them to verify the account and they have come back as verified. I am confused as to how this information was verified and to what company it was verified with. I am unable to send validation due to me not being aware of who it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am a Wells Fargo customer. On XX/XX/XXXX, I made six small purchases under on XXXX under {$10.00}. My Wells Fargo balance was about {$200.00} at the time, easily enough to cover these purchases. The same day I wrote a rent check for {$920.00}, knowing I would be able to deposit the funds to cover this check within 12 hours. 

Before XXXX XXXX on XX/XX/XXXX, I wired {$1600.00} to my Wells Fargo account. I checked my Wells Fargo balance and the money I had just wired was fully cleared and available. There were no overdraft fees marked on my account at this time. 

A day later on XX/XX/XXXX I checked my Wells Fargo account again to find out that I had been assessed not one, but three overdraft fees of {$35.00} each, totalling {$100.00}. Wells Fargo has creatively decided to debit my rent check first, putting me in the red, and then debit two more paypal transactions, putting me farther in the red, as a means of justifying the multiple overdraft fees. 

1. These fees were assessed after Id put in funds to cover the payments Id made. 
2. My payments were reordered from the way I made them, so that Wells Fargo could justify multiple overdraft fee charges. 

I contacted Wells Fargo customer service very politely and a friendly agent apologetically said she understood my situation and offered to refund {$8.00} of each of the fees totalling {$26.00}, which I accepted. I asked her what I could have done differently and she said nothing, and actually thanked me for being a good consumer. 

I am writing to try to get the rest of these fees reversed, in the amount of {$78.00}. It isnt a huge amount of money, but I believe it was taken from me wrongfully. My motivation for complaining is obviously financial, but I also believe I have a civic duty to add my story to the public record in light of the shameful history of consumer unfriendly behavior at Wells Fargo. Despite their repeated settlements with the government for wrongdoing, this misbehavior continues. 

Thank you for the good work you guys are doing at the CFPB

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 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, BK OF AMER 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 2017-06-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with th e Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2020-07-29
Company: General Motors Financial Company, Inc.
State: OR
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:
My accounts were hacked and my bank accounts emptied I had to put a freeze on my account to try to recover the money and during that time had no access to funds. I sent a letter to all parties involved letting them know that my bank was frozen between XX/XX/XXXX and XX/XX/XXXX making payments late due to fraudulent activity. They have not yet changed my credit information to reflect the fraud and are still reporting me late causing my credit score to go down. I cant get them to fix the problem its as if theyre not understanding what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2021 I purchased two XXXX gift cards with a sum totaling {$250.00}. 
Immediatly after purchase, when I tried to apply the gift cards to my account, I received an error message stating that the cards contained a balance of {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
2nd request. These are not my accounts..please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX .... I have no long term dept.. I do have a few credit cards that I have always paid off monthly... There are no interest bearing balances and there have not been any for years .. My credit score for years has always been over 800 ... Now, this year, my credit score is constantly being lowered and is now XXXX for no reason... Transunion does not allow me to pay off any monthly credit card balance before lowering my score each month.. When I complained to Transunion they said that is their rules and every time I call they will lower my score 2 points which they did.. I believe they are discriminating against me due to my age ( XXXX )...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Nelnet, 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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2017, I purchased tickets to a XXXX XXXX XXXX game from XXXX. The XXXX website stated I would get to select the section I sit in, but instead the tickets were automatically assigned to me leaving me no choice as to where I sat. They made a false claim. The tickets that were assigned to me were very different from anything I wouldve chosen or paid for. I immediately contacted the company to get a refund as this was a very different product from what I intended to purchase. They refused to issue the refund and provided no meaningful reason for this decision. I disputed this charge with Ally as this perfectly fits the criteria for a chargeback since the item I was sold was substantially different from what I received. Ally responded that they would not issue the chargeback because XXXX has a no refunds policy - they have never addressed the fact that the product I received was significantly different from what I was told I would get. In other words, they have no substantial basis for denying my chargeback and they can only move forward by attempting to deflect from the main issue that the product I received was significantly different than advertised by responding with the non-sequitur that they dont issue refunds. They have incessantly lied to me alternating between saying that they go based on the XXXX chargeback policy ( in which case I am absolutely due a refund ) and that they have their own chargeback policy - when I ask for copies of their chargeback policy, I am told that it is confidential and proprietary, clearly indicating that it does not exist. They have also lied about an executive customer relations team reviewing the case and contacting me - nobody has ever done such a thing and it is unclear if such a team even exists. The bank is refusing to abide by their own policies and I have been deprived of XXXX  XXXX dollars plus interest as a result. The ethics of the bank are nonexistent as the excuses and lies have come from a multitude of individuals I have spoken to who hold various positions, indicating that this unethical approach is institutional.

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 2017-06-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has my son 's social on my credit file I have provided Experian now twice a copy of my social security card and the issue is still not fixed. Please help My social is  XXXX  and my son 's is  XXXX  I want his social off of my credit file and anything else belonging to him

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Equifax yesterday about the concerns about why my score has not been reported to credit karma. So I got in contact with credit karma they stated that Equifex wasnt report my score to them, they havent update my Equifax score to the company. So when I called Equifax fax they give me a lame XXXX excuse saying they are reporting my score every month. I told the bureau that credit karma stated the last report was XX/XX/2022 they sit own the phone lie in my face! Which I have proof they never updated nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: JPMORGAN CHASE & CO.
State: IN
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:
15 USC 1681 Section 602 A. States I have a the right to privacy.

15 USC 1681 Section 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collect may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692B States that they may not use any language of symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
How many letters do I need to send to the Credit Bureuas for them to pay heed to my disputes? I have been sending countless letters and complaints for more than two years now and yet the Credit Bureaus can not complete my requests for proper verification of my Credit File and Remove any fraudulent information being reported. But despite all my efforts to establish communication with the Credit Bureaus, is is clear that the Credit Bureaus fine joy in ignoring a client 's requests. I have read that the Credit Bureaus is required to remove any accounts and information that the Consumer considers as items incurred due to identity theft. I am now submitting this complaint to inform the Credit Bureaus of how frustrated I am and I am willing to take a legal action and sue the Credit Bureaus for their willful non-compliance of the Fair Credt Reporting Act section 605b. If it not that too much trouble, I need the following items removed immediately : XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$190.00}

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom this may concern, I have inaccurate information on my credit report. It is really affecting my well being. I called all three credit bureaus to get some directions on how to fix this issues. They did not help me. I have collections and charge offs of accounts that I never applied for. If there is anything you can do to help my situation it will be greatly appreciated. My information was also involved in the XXXX data breach. 
Thank you.

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 2023-03-06
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: Account status incorrect

Complaint:
When I run my credit it appears that I have late payments. However, I do not have any late payments per my mortgage loan officer. She looked through my credit history and she said there is nothing late on my report. This is severely affecting my FICO in order to purchase a home. 

Please advise what I need to do to have this cleared up. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account I C SYSTEM XXXX with Balance {$190.00} is reporting fraudulently on my Credit Report. I was a victim of Identity Theft and I never received any benefits resulting from the theft of my identity. I believe this account is the result of such crime since I never remember signing any documentation that ties me with company. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. I need this account to stop theri fraudulent reporting.

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