BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-08-10
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 have been trying to get my credit report updated for MONTHS. I have made several calls to XXXX, Experian, I have emailed, I have snail mailed and filed several claim disputes. 

When you look at my credit report from Experian, it is NOT showing the correct amount of my loan that has been paid off. I contacted XXXX about 8 times now asking them to please send Experian the correct amount of my loans that have been paid. After contacting the Better Business Bureau I was put in contact with XXXX XXXX of XXXX who after 2 months has not corrected the information. 

I am attached my latest email where I contacted by Navient AND Experian at the same time showing in plain XXXX and visually exactly what is incorrect. XXXX Experian 's membership department told me to contact customer service. When I called before Customer Service told me to contact the dispute department who told me to contact the Membership Department.

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 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So Bank of America has been committing a whole heap of fraud to their own customers which they keep having to pay back in fees to all the consumer reporting companies. I just want my money back which has been taken and stolen from me since XXXXXXXX XXXX in the amount of XXXX. Worst bank of all time who preys on minorities specifically XXXXXXXX XXXX. They never gave me a proper reason as to why they stole my money or given any indication as to why they have done so. Will be posting this all over social media because this is ridiculous, theyve kept my money XXXX for 3 years.

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 2023-07-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-01-09
Company: Happy Money, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: SYNCHRONY FINANCIAL
State: MA
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 was charged {$330.00} on XX/XX/2023 for a FORM on an unofficial USCIS website called XXXX XXXX. This is a scammer. It is scamming people. The website made me to think that I was dealing with the USCIS Government to apply for visa. But turned out I paid for a FORM on their website. I started my visa application again on the USCIS official all over again and paid again. 

Detailed explanation below : I searched USCIS on XXXX  on XX/XX/2023. The XXXX guided me to XXXX XXXX which I thought it was USCIS official website. After I got the form filled and submitted payment, then I realized what I paid was not the application fee. It just paid a FORM fee filled out online on an unofficial USCIS website. 

I filed the credit card dispute and requested a new credit card right after I found out this the same date XX/XX/2023. The credit card company ( Sychrony ) returned me {$330.00} on XXXX. Now I realized today that the credit card company charged me back the dispute {$330.00} on XX/XX/2023 without any notification. 

I went back to the XXXX XXXX website today XX/XX/2023, Now they updated the website with a warning ( telling consumer they are not related to USCIS ) before click on any immigration application forms. They fixed the problem now. But it was unfair, they scammed me to do so on XXXX XXXX. And my credit card refunded me after I reported this and charged me back after TWO months.

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 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: IN
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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 requested that Transunion remove a XXXX XXXX credit inquiry from my Transunion credit report. The Transunion investigation apparently concluded that the XXXX XXXX inquiry will remain on my Transunion credit report for two years. I have a letter from XXXX XXXX stating that a fraudulent account had been opened in my name, and that the XXXX XXXX account is not mine. Therefore, I feel the XXXX  XXXX inquiry should not continue to be displayed on my Transunion credit report as it currently appears : XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX  XXXX Contact info Address XXXX XXXX  XXXX XXXX, VAXXXX Phone number ( 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 2023-07-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its 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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called Trans union customer service at XXXX XXXX on XX/XX/2020. I spoke with CSR XXXX about three reporting inquiries that did not belong to me. I explain to XXXX numerous times of the previous actions taken to confirm the inquiries did not belong to me. He reiterated that I send another letter or do a police report considering I did a previous option. I was very disputed with the customer service I received and that he really didn't want to assist me. I have three inquiries which are from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX that should not be there. I would not advise anyone to contact Transunion customer service if they want help because they will not receive any.

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 2020-11-10
Company: ResidentCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Innovative Recovery Inc keeps trying to collect {$1800.00} on debt that doesnt belong to me. Ive disputed this information a few times a fraud and they wont remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
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:
This company is reporting canceled debt on my consumer report if we go to the IRS and we look at the IRS publication, the IRS defines a charge off or a 1099C as gross or ordinary income. Income does not get reported on the consumer report if income does not get reported on the consumer report why is a charge off being furnish as a debt and the IRS says by definition it is income this number becomes an in accurate account, under 15 USC 1681 EB, which speaks on maximum accuracy of the consumer report it must get deleted [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed two transactions on my Wells Fargo Business Checking account on XX/XX/XXXX totaling {$2900.00} to two separate merchants, both a XXXX XXXX and XXXX  store. I did not make or authorize these transactions and have no knowledge of how these transactions came to be. I did lose or misplace my debit card, and I reported it to Wells Fargo immediately. Wells Fargo issued a credit to the account which I was gracious for because we run a small business and every dollar does matter. 

On XX/XX/XXXX the claim was reversed. I was not provided any additional information, no option to further dispute or escalate, and no recourse from the bank. I contacted Wells Fargo on the XXXX  of XX/XX/XXXX ( which happens to also be my birthday ), and spent two hours on the phone being transferred from department to department, but no one was able to provide me with further information, no one was able to further escalate my claim, and no one was able to help me to determine next steps. 

Unfortunately, this {$3000.00} is enough to put XXXX XXXX XXXX XXXX XXXX I have a XXXX  to pay, and I can not do it without being able to deposit payroll funds into my account. This amount is more than my entire payroll. It is disheartening and frustrating that Wells Fargo, such a large insititution which claims to care about it's customers but I am being offered no assistance and no one is able to help me to resolve this very important matter. We XXXX XXXX XXXX do not have the financial cushion some other larger businesses may have, and I am sure to a company that processes billions of payments this is just one amount for one customer but it is everything to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I went to my Chase bank and withdraw the XXXX dollars for my bills. By XX/XX/XXXX I begin to get really ill having low energy in complicated to breathe. On XX/XX/XXXX Ive had the same symptoms but it worsen so I decided to take a XXXX  test which tested positive so I decided to go to the ER ( XXXX XXXX XXXX ) I was there for several hours where they gave me an x-ray and another Covid test that tested negative, but sent me home with an XXXX XXXX  and some medicine XXXX XXXX XXXX XXXX XXXX. I was also told to get plenty of rest by the doctor I didnt leave the hospital until XXXX or XXXX XXXX  the next morning XXXX XXXX it wasnt until XX/XX/XXXX. I received a email stating I had low funds in my account so I check my account and realize that over {$3100.00} was gone and I instantly begin to call Chase customer service, which they connect me to, another department that handles fraud after speaking to a rep they reassured me that I will be getting my funds back and that this will go under investigation. I received all of my money back but by XX/XX/XXXX I got another email stating that my account was negative {$3100.00} so i call customer service for the second time and they connect me with fraud department again and thats when I was told that their investigation concluded that I was a responsible for my missing monies. After further speaking with the agent, he told me what I needed to do in order to overturn their decision, which was to get document stating my whereabouts on certain dates, these dates are supposedly the days that someone withdraw money out of my account. However, they never gave me a XXXX XXXX for these dates. They just gave me the days. So two days out of the several that was given to me I actually provided paperwork showing I was in the ER. I provided that paperwork on XXXX XXXX and by XXXX of XXXX I called to see was there any updates on the investigation and thats when I was told that I needed something more specific, more like a doctors note stating the day and time I was at the hospital. I really didnt understand that because for one, Im not sure if a doctor would even give me a note and two if he was to then itll be the exact same thing that was already on my discharge papers so I explained that to the rep and in but so many words they told me I wasnt getting my money back so now thats why im submitting a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2021-09-08
Company: Experian Information Solutions Inc.
State: MS
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:
Collection agency [? ] XXXX XXXX Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections

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 2023-07-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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