BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX XXXX received an email from my 3rd party credit monitoring service ( XXXX XXXX ). They informed me that my score had changed. I logged in and was shocked to discover that my credit score had dropped 37 points overnight. I was devastated. The previous night I had a Credit score of XXXX, the next morning XXXX. I had no credit related changes occur, and the only clue in the event was : XXXX XXXX Remark Removed From Account. 

I called the major credit bureaus ( XXXX, Transunion ) and corroborated this information. Was there was anything on their end that was the apparent cause? Everything looked good and there were no negative remarks, from each of the reps vantage point, they could see no cause which would justify the sudden drop. I initiated a dispute with Transunion to further investigate a possible cause, which was fruitless. ( Please see attached Credit Reports ) I called XXXX XXXX and it took me a few tries to reach someone who was aware of the issue, and wasnt willing to hang up on me. Alas! We discovered that around the XXXX of XXXX is when my account underwent some kind of change ( I was in general forbearance prior to change with good account standing ) I believe the change might have been relate to the student loan pandemic assistance special forbearance. I was reassured that they were aware of my type of case and that It should resolve itself For others, it has! I see similar cases on XXXX for example which sound really close to mine : https : XXXX Their issue did resolve on its own, and Im really happy for them. Im hoping I can be one of those people some day! 

I still dont really know what the true reason in my special case. 

Though, I do have a theory on why it may have not automatically resolved ( algorithmically ). Could it be that the proximity of my dispute with Transunion might have put my account in a separate bin, and when the function ran, perhaps my account was passed over and the fix not applied? 

I am hoping this dispute adds some formality my struggle with this, and shines a light for others who may be experiencing this! 

I write this now on this XXXX day of XX/XX/2020. 

Thank You for Your Time!

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 2021-09-07
Company: Experian Information Solutions Inc.
State: CA
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 AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE. NUMEROUS TIMES I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 2021-03-03
Company: EQUIFAX, INC.
State: IL
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 am a victim of ID theft. I need the reporting agencies to remove the information from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$150.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX  credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that XXXX received my request on XXXX, Experian XXXX, and XXXX received my request on XXXX. I have not received my credit reports from XXXX  or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )

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 2023-01-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I have XXXX separate checking accounts with Wells Fargo. We have elected to receive monthly paper statements. This selection was made upon initially creating the accounts decades ago. XXXX on-line system is deceptive and shows " on-line and mail '' selected for STATEMENTS. For notices, a customer can select " Mail. '' We are not receiving our statements. This is a continuous on and off problem for years. 

We have contacted our local branch representatives and the call center, and it continuously gets corrected and then they stop getting sent to us via USPS. 

XXXX wants to save money by not sending our statements via USPS and then forcing us to go online and retrieve our statements.

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 2023-02-24
Company: EQUIFAX, INC.
State: MI
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 received a copy of my credit report and I noticed several incorrect accounts. I have reported this to the credit bureaus, and they have added a fraud alert to my account. I have also begun the process of calling each lender/creditor to inform them that I did not open these alleged accounts. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$270.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank are harassing me for a debt I do not owe : I made a {$35.00} purchase with XXXX XXXX XXXX in XX/XX/XXXX however I did not receive my order, they were returned to XXXX XXXX for " insufficient address ''. 

After contacting the XXXX  and requesting account closure & a full account credit & for all communications to cease, my XXXX XXXX  account has been closed. However comenity have failed to credit my account for the {$35.00} and are now adding monthly late fees of approximately {$35.00} per month, and continue to call and harass me. 

I have filed a complaint with the CFPB ( ID No. XXXX XXXX to try have the account credited and the communication to cease. I have waited 18 days for a response and in the meantime I am being severely harassed. 

I am receiving calls from numerous phone numbers, I can not keep up with blocking each phone number, and these calls are also on Sunday mornings. 

Today, XX/XX/XXXX I received the following calls : XXXX at XXXX XXXX  XXXX at XXXX XXXX  XXXX at XXXX XXXX  XXXX at XXXX XXXX  " unknown caller '' at XXXX XXXX  XXXX at XXXX XXXX  " unknown caller '' at XXXX XXXX XXXX at XXXX XXXX  I also received a call from XXXX at XXXX XXXX  on Sunday XX/XX/XXXX. 

I am finding this extremely stressful, all in the name of kids clothing that I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
LoanDepot forced place an insurance even after we have submitted evidence of our own insurance. They have still not updated our insurance after we followed up with them three times. 

Timeline : - XX/XX/XXXX Uploaded our home insurance to a portal called XXXX ( as directed by LoanDepot ) - XX/XX/XXXX Got confirmation that our insurance documents were processed and no further action is required - around XX/XX/XXXX Noticing that our insurance hasn't been updated, I called LoanDepot 's loan servicing and talked a representative named XXXX ( ID XXXX ), who assured me that all the documents needed are there and we will not be charged an extra insurance - XXXX - Noticing that there is still no movement on updating our insurance, I called LoanDepot again, this time given a confirmation number on " we put in a work order to update your insurance '', and we were assured that we will not be charged for LoanDepot 's own insurance. The confirmation number I was given was XXXX - XXXX We got an email informing us LoanDepot is placing an insurance ( {$3000.00} ) on our account. I called LoanDepot again asking why they have not updating our own insurance knowing that we have an active insurance that covers our property - After talking to 4 different customer service reps, we still were not able to update our own insurance. It is unacceptable to be taken advantage of by our mortgage service, who knowingly charges us extremely expensive insurance when we have sent our own over, and who made the process unbelievably difficult to take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: AES/PHEAA
State: MO
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:
On XX/XX/XXXX XXXX received an email from my 3rd party credit monitoring service ( XXXX XXXX ). They informed me that my score had changed. I logged in and was shocked to discover that my credit score had dropped 37 points overnight. I was devastated. The previous night I had a Credit score of XXXX, the next morning XXXX. I had no credit related changes occur, and the only clue in the event was : FEDLOAN SERVICING Remark Removed From Account. 

I called the major credit bureaus ( XXXX, XXXX ) and corroborated this information. Was there was anything on their end that was the apparent cause? Everything looked good and there were no negative remarks, from each of the reps vantage point, they could see no cause which would justify the sudden drop. I initiated a dispute with XXXX  to further investigate a possible cause, which was fruitless. ( Please see attached Credit Reports ) I called FEDLOAN Servicing and it took me a few tries to reach someone who was aware of the issue, and wasnt willing to hang up on me. Alas! We discovered that around the XXXX of XXXX is when my account underwent some kind of change ( I was in general forbearance prior to change with good account standing ) I believe the change might have been relate to the student loan pandemic assistance special forbearance. I was reassured that they were aware of my type of case and that It should resolve itself For others, it has! I see similar cases on XXXX for example which sound really close to mine : https : XXXX Their issue did resolve on its own, and Im really happy for them. Im hoping I can be one of those people some day! 

I still dont really know what the true reason in my special case. 

Though, I do have a theory on why it may have not automatically resolved ( algorithmically ). Could it be that the proximity of my dispute with XXXX  might have put my account in a separate bin, and when the function ran, perhaps my account was passed over and the fix not applied? 

I am hoping this dispute adds some formality my struggle with this, and shines a light for others who may be experiencing this! 

I write this now on this XXXX day of XX/XX/2020. 

Thank You for Your Time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
I applied for an Amex Business Platinum card and received a denial. I requested that the application be reconsidered. On XX/XX/XXXX I received a letter denying my application again. The letter references an XXXX XXXX  report dated XX/XX/XXXX, over a month old. Amex Claims that the XXXX report was the most recent they have which is patently false. Not only did the Amex app itself show that they had an XXXX XXXX report dated XX/XX/XXXX, but my official credit report stated there had been a soft inquiry on my XXXX report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Amex denied having any newer report to reference. They told me to reapply for a card and it should fix the credit issue on XX/XX/XXXX ( one day after the most recent inquiry ). I did as they suggested over the phone with a representative. again my application was denied because this time because they had denied an application within the last 30 days had I not been told to reapply I would not have done so. On top of this the denial said that I had accounts not paid as agreed which is also false according not only to experian but also XXXX XXXX. XXXX states it has been 1 year and 3 months since a late payment and XXXX XXXX states it had been 1 year and 9 months on a report pulled on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Additional Legal Information That Should Finally Resolve This Matter

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 2018-09-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2017, I hired XXXX XXXX, freelance translator and editor, to edit a literary work, and I sent her {$35.00} through PayPal. However, when I reviewed her online resume on XXXX, I noticed she didn't have experience editing literary work and the next day I emailed Ms. XXXX, canceling my project. I sent a copy of the email to PayPal 's Resolution Center. 

An hour later, Ms. XXXX emailed me a partially edited version of my article. I informed her I was not satisfied with the quality of her work. After I paid her, she stated that she was not completely qualify for the job. 

Here is her response : " Over time, I believe you will be better served by a person who specializes in literary editing. 

I then reinvested in a literary editor, Mr. XXXX XXXX. He edited the entire article and said the previous editor [ Ms. XXXX ] had done a very poor job. He also corrected basic grammatical errors Ms. XXXX had overlooked and ones she added to the text. 

I asked Ms. XXXX for a partial refund. She replied by email : " Are you threatening me? I am shocked at that behavior. Why would you want to turn me into an enemy? Get a grip. If you wish to pay me, send me a check and I will release the amount on PayPal when I have it in hand and deposited. Otherwise, let 's end these communications. I have tried to help you and have only gotten trouble for my efforts. Enough. Let 's both move on. '' Due to the poor quality of her work and inappropriate behavior, I requested a full refund through PayPal. PayPal ruled in her favor, even though I explained to one of their representatives that I had evidence of her poor work, customer service and her lack of experience editing literary work. PayPal never requested me to send the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: U.S. BANCORP
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Between the months of XX/XX/2021, I experienced undue overdraft fees from US Bank , and mismanagement of my account since it's inception on XX/XX/2021. When I made the initial deposit of XXXX, I then XX/XX/XXXXthat money to a friend. Instead of US Bank posting as a credit than a debit, they posted it the transaction in reverse. On XX/XX/2021, I reached out to US Bank in regards to 2 overdraft fees that were caused by an inaccurate account of my money. I XX/XX/XXXXXXXX out of my account and back into the account. The ATM read the accurate amount, I then withdraw XXXX. Somehow there was a miscalculation, 2 other transactions posted the account while the XXXX being returned wasn't calculated on the back end. Those 2 transactions caused overdrafts and US Bank didn't want to refund them, they did refund. Currently, we have a situation where I gave access to my phone to my ex husband, while been in the hospital, and he made some unauthorized transactions. In addition, to bad deposits in to my account. As soon as I had knowledge of this, post op, I reached out to US Bank discovering that Risk Dept. Recommended my account closure and instructed me to reach out to any branch manager to reopen new accounts. I also reviewed my account for unauthorized transactions and filed claims on them. They sent me a card to withdraw the MONEY REQUESTING that only ANY branch Manager can remove the hold for me to do so. On XX/XX/XXXX th I called an spoke to the branch manager at the XXXX XXXX XXXX, XXXX, he educated me that I was misinformed and that the back office had control of this. At this point they are prohibiting me access to funds that are mine.

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