BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: GA
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 recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.

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 2023-09-15
Company: EQUIFAX, INC.
State: NY
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:
This Information is Incorrect XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$860.00} XXXX XX/XX/XXXX {$660.00} XXXX  XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX XX/XX/XXXX {$620.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$160.00} XXXX  XXXX XX/XX/XXXX {$82.00} XXXX & XXXX XX/XX/XXXX {$770.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2021-03-18
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 have asked TransUnion LLC to investigate seven unverified accounts. After waiting within the 30 days for a response they simply stated on my credit reports that the consumer has disputed and then state that the account was verified. I received no such documentation proving TransUnion investigated this issue as requested. I received no signed documentation whatsoever or any proof of any investigation taken in regards to any of the seven accounts i have disputed.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NY
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:
Wells Fargo has charged me an egregious amount of overdraft fees this past year alone - {$590.00} in total across two accounts. On one occasion, they charged me {$35.00} for a {$15.00} overdraft. 

I am a hardworking student, just trying to finish school and enter the workforce. I can not afford to pay a luxury credit fee for a few overdrafts that Wells Fargo approved.

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 2023-03-02
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I had added around {$55.00} to my Venmo account and shortly after my account had gotten frozen and was told that I needed to wait 180 days to be able to access the money. So well over 180 days passed and I contacted them again. They wouldn't tell me why my account was temporarily frozen and I tried to get them to work with me and let me just take the money out of my account but they ended up telling me I had to wait another 180 days. I've verified my identity over 20 times with them through the process but they still are holding my money from me... I want my money now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Yesterday the company responded by saying they havent received ANY forms of documentation after their rep said they were updating and to call back in the afternoon. Still can not use my card!

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 2019-05-02
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a complaint about Equifax who has failed to delete a false debt from my credit record. 

The problem started when I received a collection letter from XXXX XXXX XXXX, dated on XXXX XXXX, XXXX. It stated that I owed a chargeback ( total {$120.00} with fees XXXX for a stay at XXXX XXXX on XX/XX/XXXX. I have never stayed at any such hotel. 

I have previously provided all the evidence necessary to Equifax to dismiss this debt claim ; yet after filing disputes about this issue four times, Equifax has still failed to investigate this false debt claim. I have contacted all the other major credit bureaus regarding this debt and they were able to promptly verify that this debt is not mine and delete it from my records. 

As a side-note, Equifax publishes an incorrect address on their dispute report, which is needed for mailing additional supporting documents. Even the post office could not resolve this address in their system. I had to call Equifax customer support to get the correct address. 

This is clearly a case of mistaken identity and have provided the following evidence : [ As suggested by CFPB guidelines, I will not use my real name, instead I use a pseudonym to illustrate in the following description. I have also altered the numbers XXXX XXXX names of the addresses, but they are still representative for this situation ] 1. Hotel records show guest 's name is XXXX XXXX. My name is " XXXX XXXX XXXX XXXX. No government issued identification or credit cards have ever been issued to me as XXXX XXXX. 

2. I do not reside ( or have ever lived ) at XXXX XXXX XXXX XXXX XXXX XXXX, CA. Yes, my current address is " XXXX XXXX XXXX XXXX '', but they are different. Furthermore, any similarities between the guests address and mine are merely coincidence. This address is inadmissible in identifying myself as the guest because I didnt move to my current address until XX/XX/XXXX and the hotel check-in date is XX/XX/XXXX. I have provided a Move Out Statement as proof. 

3. I have never been issued a credit card ending in XXXX, which was used for the hotel booking. 

Equifax has made no attempt to investigate the legitimacy of this debt. From discussions with their customer service personnel, Equifax merely contacts the XXXX XXXX XXXX for verification ; yet it is the collection agency that is submitted the false claim and stole my identity to collect a debt which doesnt belong to me ( I have already filed a separate complaint for XXXX XXXX XXXX ). It is shameful to see such a lack of due diligence and carelessness from a major credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargos consumer abuse OPNED A BUSINESS ACCOUNT FOR ME AND MY HUSBAND AND CLOSED OUR REGULAR CHECKING ACCOUNT WITHOUT OUR KNOWLEGE???? SO WE HAD NO BANKING ACCOUNT??? BUT NEW PLATINUM BUSSINESS CARDS-SO WE WENT TO BANK -WE WERE TOLD WE HAD GOTTEN CHANGED TO A BUSINESS ACCOUNT??? WE DID NOT HAVE A BUSINESS -WE WERE RETIRED -GETTING SOCIAL SECURITY ... .SO WE CLOSED OUR WHOLE ACCOUNT AND HAD TO GO GET ANOTHER BANK ... WHAT A NIGHTMARE AND HAD NO WAY TO PAY BILLS OR ANYTHING UNTIL OUR NEW BANK GOT US GOING... WELLS FARGO OWES ME SOMETHING FOR THIS FRAUD MONEY MAKING SCHEME AND THIS IS NOT THE FIRST TIME DOING -THEY ARE REPEAT OFFENDERS

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/XXXX - I paid for a lease with XXXX, upfront and in full. The agreement was for me to owe {$0.00} for the life of the lease. The attached contract and receipts show this was paid, including an additional cash amount corresponding to the turn-in fee. 

XX/XX/XXXX - XXXX  months went by and the lease was nearing the end, so I turned in the vehicle. At this time, the representative confirmed the vehicle was in good condition and the lease terms were completed. So I purchased another vehicle through the dealership. 

XX/XX/XXXX - XXXX  months after finalizing the lease, I was charged a fee since I didnt purchase a XXXX when turning in the vehicle. Of course this was a mistake since I wasn't informed of the fee when turning in the vehicle and also because I have documents proving this was already paid over XXXX  months ago. So I started the process to get this corrected. 

XX/XX/XXXX - XXXX was initially unresponsive, as this occurred during the pandemic. But even though it was difficult to connect with a representative to correct their error, I immediately started getting late payments applied to my credit reports. 

XX/XX/XXXX to XX/XX/XXXX - I continued trying to work with XXXX to encourage them to abide by the contract. They refused. Then I started working with the credit reporting agencies to have false blemishes removed from my account. They simply asked XXXX if they were accurate, to which XXXX confirmed they were, and so no changes were made. All of the credit reporting agencies completely ignored the consumer, the contract, receipts and other documentation, and instead simply took the word of the creditor. As a consumer, all of my rights were taken away. 

XX/XX/XXXX - I ultimately gave up and just decided to pay the erroneous bill in order to have this removed from my credit report. So I paid the fee for a XXXX  time! Unfortunately this was never removed from my credit report. My score plummeted XXXX points based on this single, false record. And my hands are tied - there's nothing I can do to prevent XXXX from keeping these false records on my report and destroying my business. 

PLEASE HELP. AS A CONSUMER, I DID EVERYTHING RIGHT - MADE XXXX  YEARS OF PAYMENTS UP FRONT, PAID A BOGUS FEE XXXX, TURNED IN THE VEHICLE ON TIME AND IN GREAT CONDITION. I'M A PERFECT CUSTOMER, YET SOMEHOW THEY ARE STILL ALLOWED TO DESTROY MY LIFE!

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 2019-05-02
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I took out a loan with Santander Consumer USA in XX/XX/2013 for a used XXXX XXXX XXXX. The original loan amount was around {$12000.00}. My monthly payment is {$340.00}. I have been paying this loan for six years, totaling over {$18000.00} in payments made. Almost 100 % of my payments have gone to interest because the loan balance is still almost identical to the original amount taken out in XX/XX/2013. There has been less than {$1000.00} in reduction. My payments are never applied to the principal balance. When I fell behind on a few payments due to financial hardship, I asked repeatedly for deferments or to at least lower the monthly payment. None of my requests have been granted despite my best efforts to catch up on payments. I have repeatedly told them that I cant afford the back payments, I can only afford one payment per month and have asked for them to work with me by placing the two late payments on the back-end. The only solution they ever provide is for me to let them repossess the car even after I give them a {$340.00} monthly payment. Nothing makes a difference. I am always two to three months behind and always threatened for repossession if I dont catch up. They call me everyday and call my family. They have even contacted my sisters husband, without my permission. They continue to pocket 100 % of the payments, and they refuse to waive any of the fees they add every day. I have asked for a detailed breakdown of the fees and interests but I have never been given an explanation that makes sense. It seems that they are just stealing money from me at this point. Ive tried to sell the car by trading it in but it is impossible with a debt this high. The value of the car is only about {$3000.00} or less now. The situation is out of control and I have no way to resolve it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 :  It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-02-16
Company: Experian Information Solutions 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:
My Experian credit report is missing an open account which appears on my other credit reports. This artificially increases my credit utilization percentage and lowers my score. I have called and waited on a chat line with no success. the dispute center only allows for me to dispute the accounts that are shown and does not allow me to address a missing account. This missing information is negatively impacting my credit score and it is next to impossible to contact Experian unless you want a new credit card or want to buy additional services. This missing information increases my credit utilization rate from 7 to 12 %.

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 2021-02-17
Company: WorldRemit Corp.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received an email on XX/XX/21 stating possible fraudulent activity on my Visa debit card. 
I called the # provided and was told that World Remit had taken on XXXX taken {$240.00} & {$160.00} from my account on XX/XX/21. I checked my account and found another {$19.00} was taken on XX/XX/21. I went to my bank ( XXXX ) that morning and changed my ATM card #. I was then told to call customer service to get my money back. I called this morning and was told that this would take up to 10 days if it was found to be fraudulent. 
The fact that I received the fraud activity email immediately, why was the withdrawal allowed? Why isn't there a verification required as with XXXX? 
I've noticed that other states have World Remit listed for complaints

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
For 5 years I have requested copy of the permissible permission used to access my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX ( XXXX XXXX  They both refuse. and label my complaints as duplicate.

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 2022-02-06
Company: ALLY FINANCIAL 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 in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was trying to purchase a home and noticed damages on my report which is a deformation to my character according to the 15 U.S.C 1681 there should not be any damages on my report. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent. Sent letters XX/XX/2023 and XX/XX/2023.

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