BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

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 2022-03-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX dollar debt was charged to XXXX  XXXX bank, that was not account I did not open. I have filed a report with the fraud department as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-08-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I tried to contact the these creditors this month but got no response

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 2023-06-01
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
A company representative entered my place of employment and had a form she stated I should sign and she would Notarize. I was told the form gave her my permission to research a piece of property ( my home ) my wife and I purchased after my Dad had passed away. I was mislead that this person was working for a Local Attorney. I found out from her Daughter ( a coworker ) that her mom was working for a tax debt collection agency. I did not get a copy of the letter and found that this person had contacted my estranged family in Florida and threatened them with lawsuits concerning this. She disclosed my debt to them, her daughter as she disclosed while having me sign the " research letter '' and she did not notarize the letter in front of me as Texas requires. The date is unclear but I believe it to be XX/XX/2021. 
The person 's name is XXXX XXXX, representing Linebarger, Goggan, Blair & Sampson , LLP. The XXXX has many complaints on this company and I am about to file another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, US DEPT OF ED # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ). 

I waited 30 days and recieved my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and TransUnion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. 

Which is a violation. This is causing me financial injury and impacting me from buying a house.

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 2023-06-01
Company: WELLS FARGO & COMPANY
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 at XXXX XXXX I received a phone call from XXXX XXXX. They said that they were Wells Fargo and asked me if I had made some purchases. One in XXXX XXXX, Texas for {$240.00} and another at a XXXX somewhere else for {$200.00}. I replied no and the man on the other end said ok and said to hold on one moment. Then he asked me if I had made a wire transfer and I said no I did not. He then walked me through a " wire reversal '' through my Wells Fargo app. Which involved me putting in the amount of the wire transfer {$12000.00}, information for someone's account, and typing " XXXX '' in the message to the bank on the other end. Then he had me wait a while then gave me his name and employee ID which ended up being fake. I called Well Fargo at XXXXXXXX XXXX the same day the other call occurred ( XX/XX/2023 ) and they said they would stop the transfer and they shut off my online account. They told me I needed to go to the bank the next day so I did. The person at the desk gave me a case number and told me to wait for the bank to get ahold of me and if I didn't receive anything in the next week to call them. So this week I called them and they said that my case was closed and to wait for the piece of mail they sent me or call a number for more information regarding my claim of fraud. I received the mail and it said that they initiated a wire recall on my behalf to attempt recovery of the funds. Unfortunately, the beneficiary bank responded that there were no funds available to return. As a result they are unable to reimburse me and have closed my claim. I am going in today to talk with them and see what my options are but it seems like they won't help 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 explanation
Consumer complaint received 2023-12-27
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received email stating an account was opened with my name and email address with bank of america

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 2018-06-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select portfolio servicing inc. acquired my adjustable mortgage in XX/XX/XXXX i called in early XX/XX/XXXX to set up ( during the 60 day xfer period ) i was told it's {$15.00}. to make a phone payment! but free as a first time call they could schedule up to 3 months payment! they said it takes a month to get the auto payment set up on there web site! 
next they called in XX/XX/XXXX to tell me that i was 30 days last since XX/XX/XXXX 
clearly i don't work at SPS so it's impossible for me to have personally made the data entries and apply all 3 payments a month late? i don't even understand how any bank could even allow this happen??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX filing complaint due to missing payment from XXXX XXXX for the month of XXXX my payment has not been applied to my mortgage spoke with XXXX XXXX who stated my payment was sent out via mail same as past payments my account is 35 days past due and I have escalated with XXXX  to investigate payment which is in process but was told bank should have payment

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/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 2023-10-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 a SERIES OF UNAUTHORIZED PURCHASES WERE MADE ON MY BEST BUY VISA CREDIT CARD. I GOT IMMEDIATE NOTIFICATION AFTER AN INITIAL CHARGE OF {$1400.00} followed by an unauthorized charge of {$510.00} was made. I immediately contacted Best Buy Visa to close the account as this is my only credit card, which does not have a capability to lock the credit card. 
The credit card sent me a vague notification on XX/XX/XXXX that they are looking into the on unauthorized purchases. On XX/XX/XXXX, I called up Best Buy Visa credit card to let them know that the unauthorized CHARGES ARE STILL POSTED ON MY CREDIT CARD ACCOUNT AND I HAVE NOT RECEIVED A TEMPORARY CREDIT WHILE THE INVESTIGATION IS TAKING PLACE. THE AGENT MENTIONED THAT A CREDIT WAS POSTED ON XX/XX/XXXX, HOWEVER, I DON'T SEE IT ON MY ACCOUNT. 
IT IS NOW XX/XX/XXXX AND I STILL HAVE THESE UNAUTHORIZED CHARGES ON MY ACCOUNT AND I FEEL THAT BEST BUY VISA CARD IS NOT DOING ENOUGH TO COMPLETE THIS INVESTIGATION RESPONSIBLY AND IN A TIMELY FASHION. They claim that I am not responsible for unauthorized purchases, especially in a credit card that can not be locked to prevent unauthorized transactions. I would really appreciate the collaboration and participation of the consumer financial protection bureau to investigate Best Buy visa and verify that they are fulfilling their responsibility and promise towards these unauthorized transactions. I am happy to furnish any 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 monetary relief
Consumer complaint received 2020-06-10
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made a I made a purchase on XX/XX/04 using my apple credit card and its been down hill ever since. I reported the charge because the merchant canceled my order but i never received a refund for the {$490.00}. I disputed it within a couple days and i was given a provisional credit which i have no access to. So the credit i was given was basically a fake credit that i cant use. They said itll take 90 days to get my credit back. 90 is is ridiculous considering i have proof of the cancellation, But why issue a credit i cant use? A Provisional credit is a temporary credit issued from a financial institution into your bank account. It's often used in situations where a transaction has not been verified or is being disputed. Obviously Apple/GS Bank doesnt know how a P.C should work. XX/XX/XXXX i raised a dispute, here it is 30+ days later and I havent received an update or anything and i still dont have my money back. I spoke to several different people and theyre all clueless. They were unprofessional, i told A CSR that the merchant agreed to a cancellation of the order and the rep tried to get me to close the dispute and work it out myself. Their investigative practices are terrible. Its not fair how they arent investigating anything and i dont have my money put back onto my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started a XXXX XXXX business and did my banking at Wells Fargo. I also had another XXXX for my property management company for two houses that I own and had a checking and savings account for my property management business. In addition, I had my personal checking and savings account at Wells Fargo. 

I had a signed contract to collect overdue business account and they wired the funds into my XXXX XXXX Account. After the funds were wired into my XXXX account, in early XXXX I had a meeting with a banker at Wells Fargo and asked them if the funds that were wired in were legitimate and the Banker told me yes and that I could withdrawal the funds or distribute them. 

My XXXX XXXX banking at Wells Fargo began on XX/XX/2022. In XXXX I received notice that they were freezing all my accounts, including both XXXX 's and my personal checking and business accounts. I had an appointment with my Banker at Wells Fargo, and she told me that the wired funds that went into my XXXX XXXX XXXX account was not authorized. I said I understood them freezing my XXXX XXXX XXXX account but that it was unlawful for them to freeze my XXXX  account for Property Management and my personal checking and savings account because XXXX 's are treated separately. They told me they could and would freeze all my accounts. It wasn't unitl the end of XXXX that they released the funds for my other accounts and sent me checks for the amount.

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 2021-03-29
Company: Self Financial Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Late Payment reported for Self Lender I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I disputed a bankruptcy and some credit card accounts. In XX/XX/2018. At the end of their investigation Trans Union Credit Bureau just stated that the Information was Updated. 

Results : Item ; Description ; Results ; CHAPTER XXXX BANKRUPTCY FILING Docket # XXXX INFORMATION UPDATED XXXX XXXX XXXX XXXX XXXX XXXX # XXXX INFORMATION UPDATED According to rules and regulations of the " FDCPA Section 807 ( 8 ) " the Credit Bureau must put a statement with these accounts to show that they were disputed by the consumer within 30 days. They did not do as required by the law. Trans Union Credit Bureau is in violation of the law.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Company has wrong address on file I asked them to remove it they said its accurate it is not

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