BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Was given a line of credit but it wasnt my credit that was used for the loan. I asked for a personal loan and was given a consumer loan under another company name using my social security number. I called them twice and was told that they were going to fix it never got a response.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

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

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

XXXX. XXXXXXXX XXXX sent a letter of validation with no response account XXXX. 
XXXXXXXX XXXX XXXXXXXX account XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX,

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 2023-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
At XXXX in XXXX, I opened a Wells Fargo Bank account with a checking and savings account. Additionally, I had a business account for my business starting in XXXX which was in good standing. In XXXX I was admitted to the hospital with an XXXX XXXX XXXX XXXX. Following my hospitalization when I returned to my job at XXXX XXXX I was wrongfully terminated because of my leave of absence hospitalization with doctors still not sure what my medical condition was at that time. 

During that time I was very ill, and still, no diagnosis of why I was so sick with multiple hospitalizations in that time frame. After so many years of suffering finally, in XXXX I was hospitalized at XXXX and had numerous tests and exams performed that revealed and diagnosed me with XXXX XXXX. 

I received XXXX XXXX money from XXXX until XX/XX/XXXX when it expired. After my XXXX expired, I had no income for food, clothing or shelter. EDD XXXX manager instructed me to file for Social Security as I had no idea something like this existed. My case was pending from XXXX until XX/XX/XXXX. 

While awaiting my social security, I notified all my creditors and communicated my medical situation and condition as I could not work. 

I am responsible as I always paid my car payments on time with XXXX XXXX, XXXX, and XXXX XXXX  ( I paid off all my previous cars in full on time ), and school loans on time to XXXX University, XXXX XXXX XXXX XXXX XXXX University XXXX XXXX and XXXX University, etc. 

However, Wells Fargo decided not to work with me and shut down my only bank account and credit card. 

Once I received my social security monthly check in XX/XX/XXXX, I returned to my previous bank Wells Fargo. To reopen my bank account with a direct deposit for my monthly social security check which they denied me. 

They refused for nearly one year to stall and delay refusing to do business with me.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
On ( XX/XX/2022 ), I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply.

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 2022-11-14
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:
Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair the account below : 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 non-monetary relief
Consumer complaint received 2021-08-20
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I opened an account with Discover back in XXXX of XXXX. Several months later I was told that I needed to sign some paperwork. I called into the customer service center to let them know that I was out of the country working and would not be back for several months. They said that was fine and to just sign the paperwork when I got back. However before I returned home they canceled my account. I called in and they said that it was too late and that I could reapply if I wanted too. I decided it was not worth the effort. This was a secured card that I gave them {$500.00} to help rebuild credit. This was in XXXX of XXXX. I called in today to see when I would get my security deposit back. Please note that the account and charging privilege 's were canceled in XXXX. They informed me that it would take two 30 day billing cycles plus 7 business days. So, basically 67 days. This is ridiculous. How is that even possible. Not to mention they will be sending me a physical check and not putting it back in my account ( the way I had to make my security deposit ). I have never heard of such a thing. This is the way the treat people who are trying to do better in life. I need my money. How can it be legal to hold someone's money for that length of time????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is in response to my most recent copy of Transunion and XXXX consumer report. I see that an XXXX Bank account is reporting on those 2 consumer report without my written consent and also is reporting account transaction information also adverse information regarding alleged account. Please be advised I am not requesting account verification via XXXX  nor other third party consumer reporting agency. I want to make it known that XXXX XXXX, Tranunion, and XXXX are violating my consumer rights regarding this account. 15 U.S. Code 1681c states that no adverse information is allowed on the consumer report. XXXX XXXX  reports that the alleged account is a charge-off/ late payments on the account. 15 U.S. Code 1681b states that a consumer reporting agency shall furnish information In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It is evident that Transunion and XXXX current compliance procedures have failed me as a consumer. I am sure If I completed a Freedom of Information Act form to request accounting information related to XXXX bank as well as XXXX XXXX to see how the consumer data has been securitized and being traded. I will also look into a Forensic Accounting audit by a XXXX XXXX to capture the security fraud that is currently being committed by these companies regarding my consumer data/signature/applications. 
XXXX XXXX XXXX XXXX XXXX # XXXX Commission file number XXXX XXXX XXXX XXXX XXXXXXXX Acct 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 non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Unable to track down loan servicing provider for student loan. Have contacted multiple companies with no resolution or record of my loan. Have spoken to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. Contacted using phone numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX I can not repay my loan if no one has record of it. If no one has record I want it removed from my 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 2020-06-05
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my house in XXXX is 2019. I just tried to refinance to find out that they never paid the taxes I prepaid from my escrow account. I sent them the notice I received with late fees from the county tax collectors office. Still nothing has been done. Now they say they are working on it but dont know what happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: NJ
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 have a late payment on my consumer report from XXXX XXXX XXXX account XXXX I have never had a late payment This fraudulent accusation is affecting my life and my credit worthiness as well as late payments are against the law because consumer report does not include any of the following : any report containing information solely about transactions or experiences between the consumer and the person making the report ; any communication of that transaction or experience information among entities related by common ownership or affiliated by corporate control ( for example, different institutions that are members of the same holding company, or subsidiary companies of an insured institution ) ; Under the Fair Credit Reporting Act ( FCRA ) and various consumer protection laws, companies are prohibited from reporting any information about a consumer 's account without their written consent. At no point did I provide authorization for you to report late payments or to the credit agencies or give the agencies my written consent the account. 
By reporting this information without my written consent, you have violated my privacy rights under the FCRA and other consumer laws. Reporting inaccurate and unauthorized negative information about my account is illegal and has damaged my credit score.I try to dispute this fraudulent information with Experian credit reporting agency and they have failed to remove it

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 2023-02-02
Company: National Credit Adjusters, LLC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It is not a first time Wells Fargo email me invitation and when I apply. I got denied. I just curious if they just after people to collect a sensitive info for identity theft? I feel like I am getting discriminated or my name is going to be used for somebody else. Application required full SSN, Birthdate, Mother 's maiden name and all other sensitive info. 
Reference : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Weve finished reviewing your application for the Wells Fargo Active Cash Visa Card. 
Thank you for applying for a new credit card. Weve reviewed your application and are unable to approve it at this time. Youll receive a letter from us within 30 days, and itll provide information about why were unable to offer you a credit card account. 
Thank you for choosing Wells Fargo.

Wells Fargo Credit Cards Thanks.

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 2023-07-14
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter to the debt collector stating for them to verify and validate that this debt belongs to me. The account in question is XXXX XXXX and is being reported by Hunter Warfield Incorporated. No information has been sent to me verifying this issue. I do not have a contract with this creditor. In which they have failed to provide proof. 

COLLECTION : Hunter Warfield INC / XXXX - {$3000.00} / account status says Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX have both violated my rights as a consumer. 

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 consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: VA
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: Other problem getting your report or credit score

Complaint:
SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, XXXX  and Experian, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief