BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C.

1681nXXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX  Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on 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 non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX 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 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.

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 2023-06-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife passed away and the mortgage was in her name, it took some time to have it placed in my name. The bank would not accept payments after she died so I missed a few payments. Wells Fargo then stopped accepting my payments for the last year. I have tried many times to talk with them, to no avail. I have saved the money {$15000.00} to pay the back payments but they wont accept it. They now want {$5000.00} more in fees for a total of {$19000.00}. 

I have asked for a loan help, but they say no i am late by a few days, i have asked to accept the {$15000.00} but they wont accept it. 
I have asked for a few more weeks to help raise money. 

I am an elderly, uneducated, XXXX XXXX XXXX man with no help. 
All my life savings is in the house in equity and the are about to take it away by XXXX XXXX, 2019. 


I can pay {$15000.00} today, but they wont accept the money, they wont finance the {$5000.00} or give me a few weeks to work and raise the balance which he desperately wants to do. The reinstatement department refuses help. 



Please help me. Please ask the foreclosure department to give us a little time to raise the money, even a few weeks would help. 

Thank you for your attention to this ..I am begging for some relief.

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 2019-07-03
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:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX XXXX which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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 2018-12-24
Company: HANCOCK WHITNEY BANK
State: TX
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 have a XXXX XXXX Checking account. 

I had {$290.00} in it which I wanted to withdraw so I could close the account. So I set up a transfer to my XXXX XXXX  account for {$290.00}. 

Nothing happened. No confirmation and it didn't even show up in the recent activity. It also said there was an error with the transfer when i tried again so I instead used a check. 

I wrote a check to myself for {$290.00} and used the Mobile Deposit feature to get my funds. 

I received the {$290.00} in my XXXX account and called XXXX XXXX to close my account. 

When I called however, the woman speaking said she was unable to do so because I was overrated by {$290.00}. 

Confused by this, I look at my bank statement. The check went through perfectly fine but than the transfer went through the day after and it charged me {$36.00} in fees because I did not have enough funds. 

So I received a total of {$590.00} ( $ XXXX ) as a mistake. 

Eventually, XXXX XXXX took back the extra {$290.00} but still charged me the {$36.00} fee despite the fact that I received no confirmation that my transfer went through. 

If someone does not have enough money in their account, they're probably in a situation where they can not afford the {$36.00} and would rather have a " Transfer Declined '' instead. 

I had to pay the {$36.00} regardless and wrote a check, all because of an error on their behalf. 

They have made no efforts to right this and all I want is my {$36.00} back. 

I have screenshots showing I deposited the check first and THAN the transfer went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Williams & Fudge, Inc
State: ID
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Thursday, XX/XX/2018, I received a phone call from XXXX XXXX at Williams & Fudge Inc. Williams & Fudge is located at XXXX. XXXX XXXX XXXX XXXX, SC XXXX. 

As of XX/XX/2018, the balance owed was XXXX ( an e-mail message has been attached to show the information regarding this and for contact information ). 

When XXXX calls me, her phone number is displayed as XXXX, however, her direct line is XXXX. 

She was calling me in regard to a private student loan that had been sent to Williams & Fudge to collect on. We had spoken before ( an e-mail message from our first conversation on XX/XX/2018, is attached with her contact information ) and I explained that, due to my current financial situation, I was unable to make larger payments and could only afford to make payments of {$50.00}. Which she made note of and expressed that at least it is an effort to show you are willing to make payments toward bringing the balance down. 

On XX/XX/2018, when she called me, she failed to notify me of the proper disclosures, mainly if the call was being recorded or not. 

As the call continued, she then began to ask me if I had spoken to anyone about receiving any sort of help. I explained that I do not have anyone who can help me financially and unfortunately this was all I was able to do for the moment. She then asked, " What about the house you're living in? It's valued at XXXX XXXX XXXX  XXXX dollars. '' I explained to her that the house I live in belongs to my parents, it is not mine, that is their mortgage and they have a number of their own financial issues. 

I have no legal right to the house I live in. I am not on any agreement, mortgage, deed, etc. and I should not have been told the value of that domicile. She and Williams & Fudge made a direct effort to find the value of my parent 's home and not inform me, or them, that that was taking place.

After her telling me about the value of a home I do not own, we talked more about the account. During the discussion, I felt as thought she was pressuring me to make a decision and to find someone or someway to get the money. She stated at one point that she could guarantee that if I settled the account, they would accept me being responsible for only half of the amount owed. She then made a comment in reference to my payments that would arise from the settlement and being around {$50.00}.

However, at the end of the call, she stated that I would need to start finding a way to resolve this and making larger payments 'for my sake. ' She repeated this phrase several times to me. While not directly threatening me using specific verbiage, it felt and carried all aspects of a threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 fair credit reporting act XXXX XXXX XXXX account # 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.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 2022-10-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, on XX/XX/2022, I was purchasing a Watch via a highly reputable luxury used watch company who also offered their services on their XXXX store. This is not the point. I ended up purchasing the watch and everything is fine on that end. However, even though I just paid the full amount for the watch, i initially tried to do it through paypal credit, which would have allowed me to pay over time interest free, one of the options to purchase the watch. So I signed up for paypal credit and was approved for a XXXX limit and then tried to proceed multiple times to then purchase the watch via paypal credit and each time an error showed up. So I eventually gave up and just paid the full amount of the watch myself. My gripe is that paypal credit essentially had me sign up, Ran a hard inquiry on my credit report, and then declined to fulfill their obligation, essentially creating a worthless hard inquiry on my credit report without even being able to use their service ( despite them approving me for XXXX credit line ) ( watch amount XXXX. ). I then called paypal credit customer service to get this hard inquiry removed and they essentially told me they couldn't and to call paypal. Therefore, I called paypal who made up various nonsensical excuses like oh " new credit may have placed a fraud on it '' to which I responded then why offer the service, and they essentially directed me back to paypal credit. Neither agreed to remove the ridiculous hard inquiry on my credit report. This was ridiculous to sign up for a credit line to pay for something, get approved, and then have the service not work, leaving me with a hard inquiry and nothing to show for it, and then neither company paypal or paypal credit saying they can correct the error. I have attached a screen shot of my paypal credit 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 2023-12-29
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:
i was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft.

the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO XXXX, XXXX, TRANSUNION ARE HELD LIABLE

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 2023-04-02
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute inaccurate information on my credit report. As per 15 USC 1681i ( 5 ), credit bureaus are required to modify or delete accounts that are not reporting accurately. However, after multiple attempts to start the investigation, XXXX and TransUnion have failed to remove public records listed on my credit report that can not be verified. 

I am requesting that all public records listed on my credit report be removed as soon as possible, in accordance with my rights under 15 USC 1681. Courts are not subscribed to or required by law to provide public record information to credit reporting agencies, and credit reporting agencies have a responsibility to report consumer information with the highest level of accuracy. 

I have never been late on payments for the accounts associated with the public records listed below : Lending Club : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD : XXXX XXXX : XXXX XXXX Bank : XXXX XXXX CARD : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated to on-time as they should be, as I was never late. 

I am requesting that you provide me with a written response within 30 days confirming that the inaccurate information has been removed from my credit report. Additionally, I request that you provide me with a free copy of my credit report, as per my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2023-12-03
Company: EQUIFAX, INC.
State: GA
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:
My issue is with XXXX, Equifax, and XXXX with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, Equifax, XXXX, and XXXX report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking XXXX XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.

Company response to consumer: In progress
Consumer complaint received 2022-10-29
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fdcpa stated I have a right to a proper investigation. I need proper VALIDATION : NCB MANAGEMENT SERVICES # XXXX. 
I need the following validation : copy of the original contract with signature, full copy of payment history, name and address of original creditor, proof of the debt assignment. By law you have 30 days to respond this is validation any inaccurate information must be removed immediately. 
Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: BB&T CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My bank BBT cancelled a credit card that I had not used in many years. I had no problem with this, as I had several cards and only used one of them. I use my remaining card almost daily so I can earn rewards points. At present, I have XXXX points accumulated. I was saving those for extra money for a trip I am leaving on in a few weeks. I went to redeem those points and got an error that I no longer had access to that account. I assumed it was an error and called the number given, should I think that the message was in error. I was told that because the credit card I no longer used was cancelled, my points were forfeited. I have always used my main credit card to redeem points in the past, but now the bank says those points are no longer valid. I had to spend nearly {$25000.00} to accumulate those points. I want the money, that I was counting on, by using that card. I never once used the old credit card to redeem my points. I don't understand how they can take them away. I would like to file a formal complaint for this.

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