BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received an alert on my mobile phone saying {$500.00} were being drafted thru XXXX. I immediately contacted Wells Fargo Bank. They took down my statement - fraud against my savings account of {$500.00} thru their XXXX program. They sent me a letter XX/XX/2021 telling me the claim was closed and would be taking the {$500.00}. I then called them to dispute this charge once again. They further indicated that reason was because " other bank '' did not return the funds to Wells Fargo so I was stuck with the fraud. I do not appreciate it because someone committed this fraud. I did right thing by notifying Wells Fargo immediately. They failed to collect the funds that started with their online services XXXX. I demand a full refund {$500.00}. Thank you. I need to be made whole.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2022-09-07
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.18 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: OH
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 Reporting act XXXX Account, has violated my rights. 

XXXX5 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2022-11-24
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2022-07-09
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I signed up for Square because a customer wanted to pay by card, and I needed a processor. The {$540.00} payment came in and on the XXXX of XXXX Square deactivated my account, without explanation, and is now holding my funds for 90 days while they get to keep any interest earned. 
Their hold is arbitrary and capricious ; ample proof was given to validate the transaction, including the original itemized invoice ; after proof was provided the resolution time of 90 days is unwarranted, unethical, and borderline theft. 
I completed one transaction with Square, only one. I have done business with the customer many times before, outside of Square, without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX 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 of 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 2022-11-24
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/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 2023-04-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am able to access my credit report through XXXX and XXXX but receive an " error code NH '' with Equifax. I was first alerted to this issue in XXXX when I applied for a federal loan forgiveness program ( {$50000.00} of loan forgiveness for working in an XXXX XXXX ) and was denied because the application committee was unable to access my credit score. I called several times at the end of XXXX but I was not helped because my identity could not be verified. I faxed in my identity information to Equifax and followed up but the issue was never resolved. 
In early XXXX, I was unable to open an account for electricity in a new county I moved to because the county was also unable to verify my credit score through Equifax. 
In XXXX, I again faxed my identity information ( drivers license, SS card, etc ) and Equifax was unable to confirm my fax or resolve the issue. 
In XX/XX/XXXX, I was denied a car loan through a large car company financial department because they could not verify my credit score through Equifax. I sent a direct message via XXXX to Equifax ( I had read that others had found this helpful ). Equifax said someone from their Executive Resolutions Team would reach out but they never did. I sent several follow up messages through XXXX and they stopped responding. I XXXX  Equifax in XX/XX/XXXX and they again told me to direct message them with the same information that I had provided in XXXX. 
I'm recently married and hoping to purchase a home soon to start a family. Unfortunately, I'm afraid I will again be denied a loan and this will also impact my partner as we're married now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: COAST PROFESSIONAL INC
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2020 XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, LA XXXX Re : Closed School Loan Discharge Application and Request for Forbearance Dear Sir or Madam : I am formally applying for a closed school discharge of my student loans. With this letter, I have enclosed my completed closed school student loan discharge application and supporting documents. If there is any additional information that is required, or if any information is missing, please contact me immediately using my contact information below. 
Additionally, while my discharge application is pending, I request that you put my federal loans into forbearance. In other words, I request that the Department and any contractors or loan servicers it hires to collect on my loans cease all collection efforts while my discharge application is pending. Please confirm that you have received my application and that my loans will be placed in forbearance while my loan discharge application is pending.

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 2022-07-26
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent the letter to XXXX and was informed that I don't owe any money. This company continues to send me a letter stating that I owe them money from 2011. I have never received any documents from paypal regarding owing a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: VA
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:
All three credit bureau 's are reporting inaccuracy and not giving fairness. 

They will not updated my billing address, they still have a inaccurate address of XXXX XXXX XXXX XXXX VA XXXX it been 30 days now and still nothing begin updated I notice it's been 30 days still no proof given. Regarding a dispute for XXXX XXXX XXXX Experian sent me email back showing Proof of someone else name. They Have not showed any proof with my name listed giving me proof of inaccuracy I want to report they have damaged 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 explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
Sending this complaint means that I am expecting a deletion from you within the upcoming 15 days as I am updating my credit reports. And I am positively anticipating such resolution to fix the negative impact brought by these fraudulent items that I listed in complaint. I also included in this complaint just like my previous complaint dated XX/XX/XXXX, the FTC Reports that I filed with reference # : XXXX, XXXX & XXXX. I really appreciate the efforts done by the Bureaus to remove some items but these items should be included in those items that were already REMOVED from my credit file. Please see the items that I listed in each Bureaus, for your reference : -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX  XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance XXXX {$3300.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- -TRANSUNION -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-11-23
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: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I rented a vehicle thru XXXX on XX/XX/XXXX ( charged from account on XX/XX/XXXX ) for a trip out of town on XX/XX/XXXX. We rented a vehicle because our car wasnt big enough for our entire family to avoid 2 vehicles. 

We showed up at the airport to rent the car and they told us at XXXX XXXX  that we needed a credit card ( I didnt have one with me ) but didnt think I would need it as I already paid in full. They kept quoting this was airport policy and I either needed a plane ticket or a credit card. I had neither. They told me that my funds would be returned and REFUSED to give me a car. 

I had to drive around and find another place to rent from. After 3 hours we rented a car from XXXX and paid significantly more than the {$200.00} I was supposed to pay thru XXXX. 


I waited several weeks to see my credit apply and it never did so I placed a claim thru my bank in mid XXXX. This weekend the temp credit they gave me reversed AND Chase Bank charged me {$34.00} fees for other unrelated {$10.00} charges. Now my account is overdrawn nearly {$300.00}! For a car rental I never received and had to pay almost double for. 

I called Chase and they said that XXXX said I needed to cancel 15 days in advance and thats what their response was. I expect my bank to do more investigating its not even a common sense reversal reason. I didnt even book my trip with XXXX until XX/XX/XXXX and Chase could see my charge didnt come out of my account til XX/XX/XXXX. How could I cancel 15 days in advance when I didnt even rent the car until 7 days in advance? Also, I DID NOT CANCEL the merchant did! Chase can even see on the same card I had to rent another car for more on XX/XX/XXXX from XXXX. This is sloppy investigating and even sloppier charging practices. They reversed this on the weekend and let some stupid little {$10.00} charges over draw my account even more and had the NERVE to charge me fees when they did a shoddy job investigating. 


I am providing proof that I didnt rent from XXXX until well within their 15 day cancelation, proof I had to rent a car a different place for more ( XXXX ) on XX/XX/XXXX and proof that Chase saw these dates based on the charges so they absolutely shouldnt have accepted this nonsense response from XXXX before debiting my account and then charging me fees. I also supplied a picture of my XXXX reservation ( The place we were staying showing my trip was for XXXX ). Clearly it wasnt me that canceled. I am not paying for a car I didnt get and an experience that ruined my trip and caused us to be hours late to start our vacation!

Company response to consumer: Closed with monetary relief