BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

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 2023-11-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am the victim of identity theft. A target credit card was opened in my name. I could not get ahold of any person from target to assist me. I emailed their fraud reporting and never heard anything back. I am requesting them to close the account and for me to not be held responsible for the fraud account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Prizm Financial Company, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 Prizm Financial ( The Lender ) sent a repo agent to my home to pick up my vehicle that was at that time still within the 10 day grace period. The agent stated it was for no insurance, so I sent proof of coverage and the repo agent was told that it was ok to leave the car. 
The Lender ( Prizm Financial ) never re-took possession of the vehicle ; however, they have charged a repossession fee of {$440.00} to my account. When I made a payment on my account today, I was told I still had a balance of over {$500.00} which was due now and was already 11 days past due. ( This is because they are trying to collect the repo fee instead of adding it to the timed balance of the loan ) per Ohio repossession laws. 
My complaint is, lenders and repo agents can usually charge a repo fee if they come into possession of the vehicle ; however, this did not happen. My account should not be {$440.00} past due for a repossession that never happened. Also, this is showing on my XXXX report as a repossession and has dropped my score drastically. This needs to be corrected in their system so that my credit report is also corrected. 

Lastly, I have waited for three weeks for documents that I have requested from several employees which was never emailed nor mailed to me. 

Please resolve the repo fee issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 2022-11-24
Company: EQUIFAX, 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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NC
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account several times and the last time was XXXX XXXX. I was told if I paid this account off in full this account would be removed from all XXXX consumer reporting agencies. The balance is XXXX but its still reporting and when I spoke with the representative years ago I was told it would be removed thats why I paid the debt in full. I feel this was misrepresentation and illegal if they did not hold up their end in removing the debt like they said they would.

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 2023-08-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wanted to apply for a car loan with XXXX XXXX XXXX. However, I got a letter in the mail on XX/XX/XXXX from them saying that they were unable to offer credit to me because my credit score was low. Their reasoning was that I had an insufficient credit score, serious delinquency, ratio of balance to limit in bank revolving or other rev accounts too high, and the time since delinquency is too recent or unknown. I want to dispute this because my credit score is lowering for a credit card that never arrived to my house. I need you guys to please get in contact with XXXX to resolve this. Their phone number is XXXX. If this goes not get resolved, I will take legal charges because my credit went from a XXXX to a XXXX for no reason. I would like a response as soon as possible as to how this can get fixed. I also talked to a representative from your company like a month ago and she offered to return my XXXX dollars that I deposited for a fee of a card I never used. I received that check and I deposited in WellsFargo Bank. Thank you and have a great rest of your day.

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 2023-11-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Remitly, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is with Remitly I had an account with them to make money transfers to friends and family since XXXX. I did not use it for the last few years. 
I tried to schedule a transfer in XX/XX/XXXX and logged into the account and scheduled a transfer and was promised the delivery in 2 hours. 

I then got a call from them that I need to provide passport for compliance as there was a second account created in XXXX. No further details were provided. I had no idea of what constitutes a second account ( Is it SSN based or combination of some other information ). 
I then provided the passport copy and asked how long it will take. 
I was told it will take 24 to 48 hours. I told her to go ahead with compliance but not with transfer as I will look into alternate arrangements for the money transfer. 

I then made alternate arrangements by sending the money using friends. 

I then got a call after a couple of hours and was told that the compliance is approved. 
I said I will need to confirm by logging into my account on my computer. 
By the time I did that, they went ahead with the transfer anyway and debited my bank account. 
I am concerned that they talked about a duplicate account only after I logged into my account and started and completed a transfer request and not when the duplicate account was created a few years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I purchased a brand new vehicle XXXX XXXX XXXXXXXX XXXX was the lender. XX/XX/XXXXXXXX XXXX  while purchasing a new vehicle and trading the XXXXXXXX  I found out there was no record of me owning or purchasing the vehicle. The information was not being reported to the credit bureau. I was initially denied the trade saying because it was thought to be someone else 's vehicle. This is my.second time reporting this the 1st time the complaint was closed and letter mailed out saying that my credit would be updated. There's still no report of me having the vehicle on my credit. This was very embarrassing as well as causing me to have a lower score than I should since my payment history waa excellent but credit shows no trace. It's very frustrating how these big companies get off doing crooked activities and hindering the consumers making them suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have contacted Wells Fargo on three separate occasions about having a check reissued in the name of my father who has since passed away in XXXX. Wells Fargo provided the paperwork to get the check reissued and since it was to be reissued in the name of a deceased customer, they asked for verification such as a death certificate. I filled out the form and provided the death certificate as requested. They then sent a letter stating they can not reissue a check without me filling out a W-9. By their own letter, it states a W-9 would need to be completed if issued to a new payee. I am not requesting it to be reissued to a new payee and I made that clear multiple times on my telephone call today with them. I requested my call to be escalated to a supervisor and it was not. They then placed me on hold for an extended amount of time saying they were getting a new check number generated and to be sent out. After waiting that extended amount of time, the woman came back and said they would not reissue it without the W-9. First she said it was because the check was more than {$200.00}. She then said it was to verify me. I told her Im listed on the death certificate as next of kin with the same address as the mailing address on file for my father. I told her even if I filled out the W-9 in the name of the estate, the estate has been closed out for over 5 years so it wouldnt benefit anyone. I told her I provided everything they asked for to verify the account and she still gave me the run around. I told her I would be filing a complaint with CFPB for withholding funds and that I followed the information provided in their paperwork. The woman stated she would start a complaint for me however I told her I would do it myself to ensure it was done and accurate. WellsFargo is willfully withholding funds and refuses to release them even after all documentation has been provided.

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 2023-05-17
Company: EQUIFAX, INC.
State: NC
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:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Good Morning, Due to hurricane Ian, Goldman Sachs stated in a email that I [ XXXXXXXX XXXX ] can withdraw early from my CD account [ XXXX A/c XXXX ] without penalty because I lived in XXXX, Florida which was affected by the hurricane. However they did not fufill this and instead the penalty [ {$140.00} ] still applied. I tried to raise this issue to Goldman Sachs on XX/XX/XXXX [ CaseID XXXX ] but there has been no progress for a month and still getting unconfirmed delay. I have attached all the required documents and please take the necessary action to get my penalty funds back to my savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDIT MANAGEMENT , XXXX XXXXXXXX This account wasn't removed/deleted from my credit file even after I made the payment in full to the original creditor. The cable company had verified that the equipment was in fact returned yet never was credited to the account. I do not have any contractual agreements with CREDIT MANAGEMENT XXXX. This account is showing as a PAID collection when it should not be showing at all. I respectfully demand that this item be removed from my credit reports from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: ERC
State: OH
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 logged into XXXX, to find an account that I have no knowledge of and let along DO NOT EVEN KNOW WHAT IT IS. Under the FCRA if a consumer owes a debt, they must be notified by the company within 30 days. I was NEVER notfied of any debt. I don't even know what this debt is. This also violates the Fair Debt Collection Practices Act. As mentioned I noticed the account XX/XX/2021 at XXXX. I immediately notified my attorney because I have never been in a situation like this. My attorney has filed a formal civil complaint against Enahced Recovery Co. L This also violates a bunch of other subsections within the FCRA, FDCPA , SCRA , 15 USC 1681, meto 2 compliance and many more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate 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 non-monetary relief