BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested that the credit reporting agencies remove several inaccuracies from my credit report, and I have been sending letters back and forth for well over a year, and nothing has been resolved. I do not believe they are really investigation the inaccuracies. They just keep saying it has to stay on there, but the information is wrong, and it is affecting my life. I am a XXXX veteran, and I am dealing with my health right now, and this has greatly affected me being able to do anything because off all of the inaccuracies on my credit reports.

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 2022-11-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  XX/XX/2022 Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: DE
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the XXXX XXXX XXXX which may have resulted my information to be in 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 2022-11-12
Company: EQUIFAX, INC.
State: TN
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 XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion and XXXX, I am writing you today to delete the information provided below. My FTC XXXX is attached. I have also attached my XXXX and XXXX for proof of identity. 

XXXX : Collections - XXXX XXXX XXXX - {$560.00} Date Opened : XX/XX/XXXX. 
Please delete this inaccurate account from my profile. 

Hard Inquiries - XXXX XXXX XXXX - XX/XX/XXXX Please delete this fraudulent inquiry from my profile. 

Accounts - XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Please delete this inaccurate account from my profile. 

Transunion : Accounts - XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Please delete this inaccurate account from my profile. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please remove these fraudulent inquiries that do not attach to an account. 

Collections : XXXX XXXX - {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX - {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX - {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX - {$1400.00} Date Opened : XX/XX/XXXX Please understand that I am a victim of XXXX XXXX and I demand that you comply to my request to investigate and remove these items from my credit report. I appreciate your concern to my request.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$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 2022-11-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Apparently a credit card was applied for/opened in my name using my name, birthday, address, and soc number on XX/XX/22. 

I spoke to the creditor and they said it was opened online. The creditor name : Comenity Bank XXXX XXXX I had the creditor mark this as fraud. They submitted the claim to all 3 bureaus. 

This fraud appeared on my credit report with XXXX, but not XXXX or XXXX. I have set up fraud alerts with all 3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent the following letter to the credit bureaus regarding unauthorized inquiries in my credit profile. 


Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
Equifax : 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 XXXX XXXX XXXX I also XXXX  you XXXX ( XXXX, Equifax, XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NJ Best Regards, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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 any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: RC Willey
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We received a statement from RC Willey reflecting activity and charges we did not authorized. We had purchased and returned some items from the store and specifically charged the purchase on our Visa card - not the store credit card. The accounts lady said she did not understand why we weren't using the store card and my wife specifically told her we wanted to pay with our Visa card for personal reasons.

We then received the statement from the store ( and our Visa statement ) reflecting the lady reversed a charge to the Visa card and then charged the store credit card, contrary to our instructions. Moreover, some of our returns are not reflected on the Visa card. 

When my wife contacted the accounting offices of the store, they indicated that return credits are reserved on the store account until other purchases are made to offset future purchase costs. This dies not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: WI
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 XXXX  Account XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I left the country on XXXX leave. I returned the end of XXXX. While reviewing my chase bank account I realized multiple charges made from an online casino I immediately called the bank and informed them. I call the merchant and they told me they will review the charges and refund my money in 10 business days and I should inform my bank of fraud. Over {$18000.00} was moving backs and forth in my account. I did inform my bank an a claim was open. When I called to get an update they had denied my claim and told me I can no longer open an account with their bank and my accounts would be frozen and any money returned by check. The person said I should send whatever documents I had. I send my flight information, a copy of my bereavement letter from work, my bank accounts showing where I was getting money from to support my family, my birth certificate, and a copy of my mothers funeral program. When I followed up with them they told me that all charges were online and me being out of the country doesnt prove I didnt make them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As above, so below, THE ALLEGED OWED CREDITS, CONSIDRED IN SPEECH BY XXXX INCLUDE A " BILLING ERROR '' .ON SOME DELAY IN MEMBERSHIP BILLING ACCOUNTS, INCLUDING THAT OF Said name Private individual XXXX XXXX XXXX XXXX was not in fact a natural born soul XXXX XXXX XXXX , for a {$20.00} * for updated billing fees, that were not agreed upon in terms of the original agreed contract, based on principal This transaction, if not authorized to debit the checking or debit card of XXXX XXXX appropriately identified and ACH or debit card from fraudulent once the private residential and private individual 's mailing address and banking information was updated, was changed, the correspondence was not represented as cited in Title 9-102. UCC Article 9 - secured Transactions Further more, pursuant to the U.S. Title 15 US Code 1681 ( m ) ; the collection agency, did not properly portray their interest in this contractual agreement, provided a contract under agreement to provide legitimate credit from signer, who is responsible for the Application of payments ; BURDEN OF ESTALISHING, this creating a transaction in the scope or hidden fees. TRANSWORLD SYSTEMS INC. COLLECTION AGENCY VIOLATED THIS 15 US Code 1681 ( m ) which transgresses into the realm or jurisdiction of a U.S. Admiralty laws between a creditor and debtor ; of which within the communication the acquiesced contract was not honored, due to improper representation of which party in fact is the debtor or creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: EQUIFAX, 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:
There is an inquiry from comenity capital/dent on XX/XX/2018 showing up on my Equifax report that is not mine..I wrote Equifax a letter and never received a response in regards to the inquiry in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage was transferred to Mr. Cooper starting XXXX XXXX. On XXXX XXXX, the auto draft and an extra payment of {$1900.00} was pending in my bank and with Mr. Cooper. I did not set up the new acct with Mr. Cooper till XX/XX/XXXX. Upon getting into my acct., I noticed that an extra payment was made, not by me, and that it was drafting out of my acct. I called Mr. Cooper and asked about it. I spoke with XXXX XXXX, she accused me of being the one that made the payment on XX/XX/XXXX. After going back and forth, she said that if it wasn't me then it was fraud. I agreed to launch a fraud investigation into this matter. I could not have made the payment online when I did not create my account till XX/XX/XXXX. They told me to wait till the payment has cleared and then they will refund the error. I asked, what if the funds are not there to draft? Then I will be getting a XXXX  and over draft fee as well. She argued more with me and continued to say that it was my fault or fraud. If I say it was me then they will not launch an investigation, if I say I didn't make the payment then they will send it to the fraud dept. I asked how it is fraud when it was paid from my bank to my mort. She said because I am saying I am not the one that made the payment. I was sent to the escalation manager and told the same thing. This phone call lasted 45 min. 
I then did on line chat on XX/XX/XXXX. I asked to be kept in the loop about the investigation into why this happened. XXXX said they will keep me in the loop via email. I then called the number XXXX gave me to speak to the payment dept. I noticed that the payment had now cleared. I called the number and spoke with XXXX to help me with the refund. She did get the refund going back to me since it had cleared my bank. I then asked her how the investigation was going. She noted that their is not one. I explained to her my phone call the day prior. She confirmed my story in her notes but no investigation had been launched. She then set one up and sent it to the correct dept. 
With in an hour or so later, XXXX called back and said they looked into it and found out it was an inhouse error. When the loan transferred something happened and it double dipped my payment. This clarifies that XXXX did not know what she was doing, did not look into my issue or report the fraud and was so rude and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Byrider Franchising, LLC
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: Investigation took more than 30 days

Complaint:
XX/XX/2020 I filled a dispute they removed from one credit report but not the others two. Cnac its causing me not to be able to get a job of employment because false repo on my records I ask the car people to pick car up do too not having a job I was on workers compensation. They still put this vehicle on my credit report and they arent responding to disputes are anything only removed it from one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a customer of Simple, backed by BBVA. BBVA decided to close simple and was supposed to migrate accounts on XXXX. To say they were wholly unprepared is an understatement. Accounts are frozen, it has been 3 days with no access to online or mobile accounts. I can not get in to see my account balance. XXXX users are also saying BBVA refuses to waive fees for transferring money away. There is no transparency, no one is answering the support line ( in fact it just hangs up on us ). I have tried 7x ( different support numbers ) and gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Made a ACH in the amount of {$1500.00} from my bank XXXX XXXX XXXX XXXX ( XXXX ) to Wells Fargo on XXXX XX/XX/2021 for the purchase of a transmission from XXXX XXXX XXXX XXXX. On XXXX XX/XX/2021 I submitted a complaint with my bank informing them that I was a victim of fraud and requested they investigate and retrieve my money. I also made contact with Wells Fargo to inform and inquire what I could do to stop ACH or retrieve money back, they told me to contact my bank. 

Prior to contacting both banks I attempted numerous times to contact company by text, email, and phone. Only contact from company reference my order after initial payment was on XXXX and XXXX XXXX to request additional money for shipment which was included in purchase price. 

XXXX XX/XX/2021 I received message back from my bank stating they can't help me and to contact Wells Fargo.

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