BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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:
I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am receiving letters from XXXX XXXX XXXX, XXXX saying that I owe {$1200.00} from a transaction with Pay Pal on XX/XX/2019. I do not have a Pay Pal account and believe that this is fraud.I called XXXX XXXX to say that I did not make this transaction and they are asking for a lot of personal information which I am suspicious of. My attorney advised me to contact the CFPB to resolve this matter.

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 2023-04-11
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NJ
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:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2023-01-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX percent responsibility of our serious problem -- a monetary loss of {$270000.00} -- has to do with total negligence and lack of red flag controls at XXXX Wells Fargo branches in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My wife 's computer was hacked by a criminal fraudster impersonating an XXXX from XXXX XXXX XXXX. This person convinced my wife {$40000.00} was mistakenly put in our joint checking account at the XXXX XXXX XXXX, and further seduced/convinced her to return the funds via wire under potential penalty of arrest if she did not comply. 

The first wire was sent from said XXXX XXXX, to a foreign address. No one at that Wells Fargo branch tried to persuade her not to send it. 

My wife was immediately contacted by the criminal fraudster saying the funds we not received, and they seduced/convinced her to send a second wire. She attempted to do this out of the Wells Fargo XXXX XXXX branch, and thankfully an astute banking professional there talked her our of sending it. 

She was then contacted again, being threatened by this criminal, saying they were not receiving any funds. This went on for a total of XXXX additional wires sent from XXXX separate nearby Wells Fargo branches, until finally Wells Fargo stopped the madness. But, not until {$270000.00} total from XXXX wires went through the Wells Fargo system. All to know criminal addresses. Yet not once did Wells Fargo explain to my wife about what was happening. 

I have written some half dozen registered letters to the CEO and board members of Wells Fargo and have received the most unprofessional, negligent, horrible responses from what is clearly a banking institution that thrives on taking advantage of unsuspecting people. They need to be stopped.

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 2022-12-03
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft on 2016. XXXX XXXX reported on XX/XX/ amount {$7200.00} and XX/XX/2016 amount {$6100.00}. But I did not use it at all. I will attach police report documents to support my complaint .Please help.

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 2022-05-30
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:
believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/XXXX  but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : US DEPT ED XXXX Balance {$310.00} XXXX : DEPTEDXXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$310.00}

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 explanation
Consumer complaint received 2023-04-11
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: 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 2022-12-03
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: NELSON AND KENNARD
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX12, XXXX XXXX, of The Law Offices of Nelson and Kennard, won a judgment against me in the amount of {$5300.00}. 

We took steps to borrow the money owed after we feared for my husband 's job, and on XX/XX/2012 we went to our bank, and sent them a wire transfer for the full amount - {$5300.00}. We have documented proof from XXXX XXXX that the transfer was completed, paying the judgment in full. 

We were instructed to call once that was complete. We did, and were informed that they would be in touch within a few days, and that we would soon have our Satisfaction of Judgement. And that it would be filed with the court, and removed from our credit. 

We have contacted them on several occasions, spoke with multiple people, left messages with superiors, and requested each time to be given a receipt, proof of payment, satisfaction of judgment, and to fulfill their end and their legal requirements. They promise to do so, but never actually do anything. 

After six years, this is still an issue. They have not acted. And we are unable to get a home loan because of it, and my credit still suffers because of it. This company seems very unconcerned with fulfilling their legal obligations, but are very quick to threaten and take advantage of people who are unaware of debt collection laws and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this CFPB complaint to follow up my previous request that you remove the inaccurate personal information from my Credit File. The following Inaccurate names and addresses are not affiliated with me. I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following Inquiry inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I need you to remove the following inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 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 2021-10-25
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XXXX, I contracted with XXXX  to send a package. The charge for this service was {$210.00}, per XXXX  invoice # XXXX, with a date of XX/XX/XXXX. 

XXXX NEVER delivered the package to the recipient, so I disputed the charge it made to my XXXX card, and I received credit for it. 

In XXXX, XXXX, XXXX told me it would close my XXXX  account unless I paid the {$210.00}. To keep my account open, I capitulated. I paid the amount on XX/XX/XXXX by my XXXX card. Attached in the .pdf file is not only proof from XXXX that I paid that amount, but an email from XXXX acknowledging that I paid that amount and referencing the invoice number ( page two of the XXXX email ). 

Despite the XX/XX/XXXX payment, XXXX again in XX/XX/XXXX told me they would close my XXXX  account unless I paid that invoice. I called XXXX, and spoke to a male representative who called me a liar when I told him the invoice had been paid and I was looking at proof of that payment on my computer screen. He took my XXXX card number, but rather than confirming payment, he charged me the same amount again! He insisted this additional charge was proper, simply because XXXX had put a new invoice number on the old bill, and insinuated that XXXX could continue to put new invoice numbers on old bills and collect repeated payments. 

I disputed that second, fraudulent charge with XXXX, and received credit for it. 

Despite all of the above, XXXX referred the PAID {$210.00} debt on invoice # XXXX to debt collection. See the letter from Transworld Systems Inc., specifically referring to that invoice number, and the XX/XX/XXXX invoice date, corresponding exactly with the XXXX  Invoice History ( though for inexplicable reasons, the amount differs a bit ) and the email from XXXX confirming payment of that invoice in the invoice amount. 

I contacted Transworld Systems on XX/XX/XXXX and provided them with this information, and they indicated they would resolve the matter, but whether they do or not remains to be seen. Regardless, XXXX XXXX actions are beyond inept. They are reprehensible, if not outright fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this CFPB complaint to follow up my previous request that you remove the inaccurate personal information from my Credit File. The following Inaccurate names and addresses are not affiliated with me. I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following Inquiry inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I need you to remove the following inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX XXXXXXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called TransUnion today at ( XXXX ) XXXX, on Monday, XX/XX/2023, around XXXX XXXX XXXX XXXX XXXX. An agent answered the phone and did not speak or say anything ; the call was silent. After a few minutes, the call was disconnected. This is call avoidance and is against TransUnions policies and procedures. Please review the phone call and sanction the agent. This is prohibiting me from filing an FCRA dispute over the phone.

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