BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-04-07
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-06-22
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of this year, potential new client attempted to pay me with a {$1500.00} check I deposited, Just to make sure, I did not cash this check but did not draw upon whatsoever. I simply waited the 10 days and when it came back no good believed I had dodged a bullet. 

However, Regions Bank saw it differently and my online access has been locked. My account has been frozen. I have been to multiple branches in person, attempting to get access to my accounts and still cant get access to my account. The account has direct deposit going into from time to time but I can not get anyone in that organization to release the hold.

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 2021-09-24
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased one {$500.00} visa gift card at XXXX XXXX XXXX on XX/XX/XXXX and spent {$64.00} dollars at XXXX. The gift card should have a balance of {$430.00}. Today I logged in XXXX  to check my balance and found that there are several unauthorized transactions occurred on XX/XX/XXXX and XX/XX/XXXX in DC and Texas. The current balance is about {$50.00}. I called the customer services but they did not get me through how 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 2018-08-04
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I applied for a car and it was approved but the car payment was {$800.00} a month. So, I never took possession of the car, or drove it off the car lot. I contacted them back and told them that I did not want the car. Well, they never told the finance company, and the finance sent them a check. So with that being said I received a bill from the loan company. The bill stated : Total Amount Due XXXX Account Number XXXX Due DateXX/XX/2081 CXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Affirm INC. filed a collections without my knowledge of what I was being charged, XXXX XXXX  which was the merchant was hacked and was able access my private files. XXXX XXXX as well was hacked during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Car was repossessed in XX/XX/XXXX. Then sold for XXXX in like XXXX. And they want me to pay the remaining XXXX. The car was only worth XXXX. They got there money. It's credit acceptance. We agreed to pay XXXX for the car in the beginning then they changed the price to XXXX and we had to take it we needed a vehicle my wife was XXXX and we needed it. Now they want to sue me for the remaining balance.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove all derogatory accounts XXXX stra Height financial 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 2023-03-03
Company: Experian Information Solutions Inc.
State: FL
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 writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM XXXX XXXXXXXX ABOUT THIS. I looked over the credit report and found some inquiries that appear incorrect. I ALSO FOUND TONS OF INACCURATE INQUIRIES ON THE CREDIT REPORT. As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE INQUIRIES DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE INQUIRIES THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! ALSO I ATTACHED ACCOUNTS THAT WERE REMOVED BY XXXX THAT NEEDS TO BE REMOVED ON YOUR END. 

XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry 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 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. 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 explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts or inquires on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did not receive three items from XXXX but the bank refuses to credit me with the three purchases I paid for the items totalling XXXX approximately made by ordering on XXXX. 
XXXX is not willing to reimburse me with the products I did not receive, three packages of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I never consented to these inquiries.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: AL
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:
My Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for 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 2016-05-26
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Here is the complaint letter that I sent to the CEO office : I am XXXX of your customers and I was hoping to seek your assistance with my mortgage. 
I am really getting frustrated with getting a problem resoled and I know that your company does n't want the customers to feel that way. A SALE DATE IS SCHEDULED FOR XXXX I have been trying to obtain a loan modification with your company for many months, however it seems that Wells Fargo does not want to help with this. 
I am recently going thru your re-entry team and we have been in contact with them regarding the file. 
Back in XXXX XXXX, we submitted the workout review and was denied because of the income was not sufficient to support the modification. 
Then we resubmitted a new application and in XXXX XXXX, we were told that the file was removed because there was an incomplete application and documents were not submitted on time. 
On XXXX XXXX, a new application was resubmitted and according to the underwriting department in the re-entry team they reviewed the file as of XXXX XXXX and the XXXX stated that there was not enough income to support the modification. 
I called the re-entry team and was advised that the new application was not reviewed showing the updated income supporting the new modification, that instead they reviewed the OLD financials and not the current ones. 
At this time, I am requesting for Wells Fargo Executive office to review my file and to postpone my sale date so that they can see for themselves that what they are doing is injustice I have been working very hard and providing Wells Fargo all the documents way ahead of time, but it seems that they are not willing to help me out with my situation. 
I LOOK FORWARD ON HEARING FROM YOU. 
CC : Consumer Financial Protection Bureau & XXXX XXXX, Attorney General for Missouri

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for 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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
US DEPT VETS XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well.

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account has been closed for the better part of a month, and I have been asking for a return of my positive balance on my account to be issued and despite numerous attempts, the monies are still sitting in this account. 

I opened my XXXX XXXX and was happy with the card, until out of the blue the company put a hold on my account, advising me that they had to verify my identity, despite opening my account with my drivers license. I would note that my wife was not requested for her drivers ID and her account is still active. 

I filly paid of all of the charges on my card, but I could speak to anyone about my hold on my account, and in general I found the staff to be incompetent. No one knew what was wrong and or was able to assist me, so I simply decided to close my account which I did. 

There after there were a few refunds posted to my card from merchants, and despite these refunds posting weeks ago, XXXX XXXX still has not returned my monies to me and is rather collecting interest on these monies and despite the complaints I have filed, there is no response provided to me. The last time I spoke to XXXX XXXX, where my calls was constantly been dropped, or I was cut off ( it took over an hour to speak to a supervisor, and over 5 phone calls ) was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My cash app card was deactivated and i was told it can be for many security reasons but i dont understand why my card was deactivated when i been using cash app for the last 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: OPTUM BANK, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I reached out by phone to the banks customer support line because my online access randomly was revoked preventing me from accessing my account. The company said they would resolve the issue as it was back end. Fast forward to XX/XX/XXXX after making 5-6 calls to customer support I still don't have access to my account. I just had a newborn and need to pay bills and the company refuses to fix my account issue. I have lost money waiting for them to resolve this issue as I have an HSA investment account and am required to sell investments. I raised the concern with the XXXX XXXX XXXX but they did nothing to help the situation. Since the XXXX  claim it has been an additional 48 hours without a response on fixing my access issue.

Company response to consumer: Closed with explanation