BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. 
Account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CITIBANK, N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Around XXXX XXXX today XX/XX/22 I initiated XXXXo wire transfers to the title company for a real estate closing from my XXXX Citibank accounts. The amounts were {$50000.00} and {$44000.00} Citibank did not complete the wire transfers on the same business day, thereby ruining a real estate deal. 

Moreover, Citibank held me on the line for 1 hour and 36 minutes saying they were trying to figure out why the wires did not go through while we were in the title company, and then hung up.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Im a Wells Fargo customer from 2012 to present my account was always overdrawn when I didnt overdraw I was always charged a overdrawn fee I will call to confirm what was going on with my account most of the time I will get a mean person on the phone so I would go into a branch and still nothing and now since I refuse to pay a overdraft fee this time Wells Fargo closed my checking account I still have my savings but I see that they charge my savings account I removed all of my money and stop all of my direct deposits and now they talking about closing my savings accounts I been with Wells Fargo for like 10 years and they want even approve me for a secure credit card using my own money witch cost my credit score to go down.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-03-01
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a brinks money prepaid card in the mail today ( XX/XX/2022 ) that I did not request. I thought maybe when my tax person filed my taxes, he offered it for me at that time, since I've only been living at my apt for a month and was actually using a family members address for mail. I did not apply online for anything or put my address online or do a change of address even. However this came to my home address ( not the address I'm using for mail ) and so I thought since it MIGHT be my taxes, I'd activate it. I downloaded the mobile app, and started the process. As I was doing this, it asked for further confirmation of my identity. I snapped my ID and submitted it. A couple mins later I received a message stating I couldn't be verified. Then it logged me out. When I went to sign back in, it said my account was locked. I called the number on the back of the card, and a foreigner answered. He then told me to email my ID, social security card, and proof of address over to him to activate the account. ( XXXX ) and gave me a number but did not tell me what it was for ( XXXX ). I explained to him this really does seem like a scam, and asked if he could give me any information regarding if there was a balance on this card for me to even bother activating it, bc I had not ordered it and I do not have any brinks prepaid cards at all. He got very defensive and told me " this is not a scam ''. I'm really leery about this and I even XXXX  if there's a brinks prepaid card scam going on but there was no clear answers. 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
from XX/XX/XXXX to XX/XX/XXXX overdraft fee, and taking monies for company not authorize and charging fee like bounce check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CORELOGIC INC
State: NC
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:
This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus continue to report incorrect information, despite all my efforts to ask them to investigate, they have not responded to my complaint. They haven't sent me anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Interstate Recovery Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/XXXX timeframe I received through the mail a promotion from XXXXXXXX XXXX  XXXX XXXX were I could choose some magazine subscriptions in exchange for unused miles about to expire from air travel companies, which I mailed back with some choices. 

Over a month later I've got a call from a person from this same company requesting to update credit card information from my husband 's credit card that somehow they had with them. They also made questions over and over trying to confuse me and make me agree to choices I didn't want to make about subscription length. Every time I answered no to a question they would restart all the questionnaire saying I couldn ' t make that choice and using questionable sales tactics and trying to force me to agree to their preferences. 

In XX/XX/XXXX they sent a letter confirming subscription to 5 magazines for 4 years, which I never intended to make with a charge of {$39.00} a month for 30 months for a total of {$1100.00}. 

They charged {$39.00} to my husband 's credit card in XXXX and XXXX but never sent any magazines and we didn't authorized any charges because it was supposed to be in exchange for unused miles. 

On XX/XX/XXXX we received a letter from this company requesting payment because that credit card they had on file was cancelled. 
I replied on XX/XX/XXXX that I wasn't interested in their magazine subscription since they never sent the magazines, and they had charged the credit card unduly and that I wanted all the subscriptions cancelled. 

On XX/XX/XXXX we started receiving and returning to sender the first and all subsequent magazines sent to my address by this company. Nevertheless, they continued sending magazines through XX/XX/XXXX, all of them returned to sender and then they stopped. 

In XXXX I started receiving phone calls from this company trying to collect a debt of {$1100.00}, which I refused to pay since I never agreed to it. 
Subsequently, collecting agencies have been calling for this same issue. 

On XX/XX/XXXX received a letter from Interstate Recovery service, dated XX/XX/XXXX stating the debt was assigned to them for collection, which I'm still disputing as invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been disputing multiple charges for my purchase with Lowes last XX/XX/2023. The charge amounting to {$1600.00} was not accurate, as I was overcharged by {$1200.00}. I have already provided my receipt which clearly shows the difference between my balance due and what was charged to my credit card, but Synchrony has repeatedly rejected my dispute without any explanation as to why my documentation was not accepted.

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 monetary relief
Consumer complaint received 2023-07-31
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 fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase XXXX stated at the beginning of the 2022 year they would be using the 24 hour grace period for insufficient funds fees in an effort to reduce these fees. On multiple occasions, most recently on XX/XX/2022 I was once again charged a {$34.00} fee for a transaction done earlier in the day. And Chase did not post my payroll check til XX/XX/2022 at XXXX which in Chase parameters is exceptable for the {$34.00} insufficient fund charge. It seems that Chase is using creative accounting to get around charging the consumer these fees. Yes Chase says they are eliminating excessive bank fees when in actuality they are not. Instead they are posting deposits well after the end of the day so they can charge these fees to consumers. As a consumer I feel these big banks are misleading their customers and still charging unnecessary banking fees despite of what is being said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In XXXX XXXX XXXX  closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX  does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX  to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXXXXXX XXXX to let my credit continue to be negatively affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account at HSBC with $ 100k+ as initial deposit. They recently blocked my account access. They claimed it was related to a security concern. Today, I called and provided all relevant information and verification and they said my account would be available. Still, I have no online access to my account or my money. I had planned to transfer more money in, but now I just want my money back. HSBC is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent money ( XXXX $ ) to my mother through western union ( MTCN # XXXX XXXX XXXX ) and i used my XXXX   account. I put the wrong address that's why she never had a chance to claim it. I decided to go to onilne help, they told me that there's no way to change the address, and then they advised me to refund it instead. I refunded it last XX/XX/XXXXand they told me that my money will be returned to my account for 7 banking days. Until now, im still waiting and there's no money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions 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 need to get a collection an the inquiries off my XXXX  account that i never authorized.

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 2022-04-08
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:
I was checking my credit report and came across this account and collections that were not made or authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MA
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 submitting 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/block any items 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 XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX  XXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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 status incorrect

Complaint:
This account with XXXX XXXX XXXX  is showing a balance after being charged off. It is still reporting as late every month

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 2022-04-08
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 status incorrect

Complaint:
This account with XXXX XXXX XXXX  is showing a balance after being charged off. It is still reporting as late every month

Company response to consumer: Closed with explanation