BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This company continues to report inaccurate information again and again ...... I have received more headaches dealing with XXXX XXXX bank then any other bank.

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 2018-11-11
Company: Financial Credit Network Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I believe the XXXX XXXX XXXXXXXX or Financial Credit Network is attempting to committee fraud and collect an amount that is not do. I normally don't ask for itemized statements, but as of this time I am asking that the XXXX XXXX XXXXXXXX through them or FCN provide me a bill for each of these months listed below. 
bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX these bills need to include all meter reading and payments applied, As of what you sent me you show that as of XX/XX/XXXX that I owed a bill of {$300.00} billed at a rate of {$78.00} a month, This would show that I had made no payments since the start of service, and then 3 more bills sent out after that or service stayed on for another 3 months with out payment, just to clear up what im saying is NO UTILLITY COMPANY WILL COUNTINUE TO GIVE SERVICE WITH OUT PAYMENT OF MORE THEN 2 MONTHS, but your company is claiming that I received 6 months of service with out payment, I believe if I owed them {$300.00} by XX/XX/XXXX that the would have cut off services and not continue to bill an additional months, so at this time I do believe that fraud is being committed and that if this information cant be provided as requested in the next 15 days for I have already contacted financial credit network several times, that im left no choice but to file civil action and contact the State Attorney Office to investigate for criminal charges, and the Utility commission as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/18 around XXXX XXXX i had purchased an American Express XXXX $ goft card. I loaded it up with {$62.00} and it cost {$6.00} to purchase. So {$68.00} in total. I got the card waited an hour like i was supposed to. I had tried to make a purchase a little after XXXX. It was declined. Ok. So i waited a bit more. Tried a few times between XXXX and XXXX. Still declining. It is now currently XXXX and it still is not working on XXXX XXXX XXXX XXXX XXXX at all. XXXX has a pending XXXX XXXX on it. And now its just stuck like this. 

I called customer service around XXXX. Gave him the details of the amex card, explained my problem amd was told that the merchant on XXXX doesnt take amex ( which is bull as the seller clearly states amex is perfectly fine to use ). Customer service did not help me at all. He didnt give me a solution but said the card was Active which i already knew as i can see its status on the website. I tried a few more times to purchase around XXXX. Also still declined. Not only that but the card is showing as expired when i tried on XXXX ( XXXX XXXX ). 

So basically im out nearly {$70.00}, can not get a friend a gift ( as the sale ends on XXXX XXXX tomorrow  ), i can not get what i planning to purchase either because of this. I never have a issue with Visa cards. But this Amex gift card has given me problems that shouldnt be an issue. Im not sure if i have to wait 24 hours or what. Ive waited the initial hour and the 4 hours that are in the TOS pamplet and it still doesnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father passed away in 2018. He had a XXXX  Checking account with TCF. Recently my mother received a letter addressed to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX letting them know that TCF has become Huntington. Mom was just placed in XXXX XXXX XXXX XXXX and is under hospice care. I went to the local Huntington branch with my fathers death certificate and my mothers XXXXXXXX XXXX XXXX  to close out the account which is approximately {$2100.00}. They informed me that the money would have to go through probate because they didnt show my mom on the account. I contacted Huntingtons main office and was transferred to their probate unit. Their only advice was to contact an attorney because they didnt know Minnesota law. What are my opinions at this point? I thought a husbands property transferred to his spouse without having to go through probate in Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX credit file inquiry by US Bank was not initiated by myself. 

On XX/XX/2022 received a credit alert that my credit file was disclosed. 
To : US Bank XXXX XXXX XXXX XXXX XXXX, MN 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 2023-12-20
Company: Bright Capital Inc
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I agreed to a contract with Bright Money for a {$50.00} credit builder loan. There were to charge me $ XXXX membership fee and 5 months of {$10.00} until it was repaid. Then the loan was to be returned to me. They never returned the money, they continued to take more money out of my account totaling {$400.00}. They set up a fake round up savings account that they say will be used to pay down your credit cards. They never used the money for that. My bank account has XXXX pages of transactions which total {$400.00}. There are credits for a total of {$88.00} over the year. So the difference that was taken from me that I'm owed is {$310.00}. The issue is they were supposed to stop at the {$50.00} loan, they never used funds from XXXX XXXX to pay my credit cards and I had the XXXX XXXX  turned OFF so to continue to take this money out of my checking account was a breach of terms.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 2022-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute in regards to inaccurate information in 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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
Consumer complaint received 2022-05-24
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/XXXX I received XXXX emails in a row from my banking institution, Wells Fargo that my card declined two attempted purchases due to insufficient funds in my checking account. This checking account is linked to my debit, but my debit is still physically with me so I suspect just my card info and pin had been stolen. 

I check my Wells Fargo account the same day only to realize that there had already been two unauthorized transactions that had gone and ones I had never made myself. The unauthorized transactions allowed by Wells Fargo were : XX/XX/XXXX - Purchase XXXX  XXXX  XXXX XXXX  XXXX for {$200.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX for {$390.00} Upon realizing this, I immediately called Wells Fargo 's customer service line to which they shut down my old debit card and are working on sending me a new one. They also froze my XXXX XXXX which was linked to my previous debit card and helped me file a claim on my behalf. I am now reaching out to the CFPB since I am concerned that Wells Fargo will not do much to return the money that was stolen from me. Additionally, since the purchases are not linked to any known companies I also was unsure of who to even reach out to. 

So far, I have checked my other debit and credit card with another banking institution to double-check those were alright ( they are ) and am considering opening an account with another banking institution to prevent this from ever happening again. This is the first time money has been stolen like this from me. Currently, I am awaiting my new debit card from Wells Fargo and any further updates on the claim I filed with them.

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 2023-04-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to request that the Consumer Financial Protection Bureau XXXX CFPB ) delete the fraudulent hard inquiries from my TransUnion credit report. As a victim of identity theft, I have been wrongfully targeted by several banks and financial institutions, resulting in multiple unauthorized credit inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries have caused undue stress and anxiety, as I have never had any dealings with these institutions and have no knowledge of the nature or purpose of these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. In this case, I am disputing the hard inquiries made by these financial institutions, which were not authorized by me, and were the result of identity theft. 

I have taken the necessary steps to protect my personal information and have reported the identity theft to the appropriate authorities. I have also contacted the credit reporting agencies and placed a fraud alert on my credit report. However, despite these efforts, these unauthorized inquiries have remained on my credit report and have affected my credit score. 

I urge the CFPB to investigate this matter and take the necessary steps to remove these fraudulent inquiries from my credit report. I am confident that the evidence will show that these inquiries were made without my knowledge or consent and that I have been a victim of identity theft. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Complaint that I was the victim of identity theft. Based on Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items : XXXX XXXX XXXX # A XXXX, NY XXXX ; XXXX XXXX Balance Owed XXXX {$1400.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed XXXX {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX XXXX Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/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 non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Credit inquiry made on XX/XX/2020 from XXXX. Not my inquiry. I did not make this request seeking services or credit from this company. Social security on this inquiry is not mine. Credit inquiry made on XX/XX/2020 from XXXX XXXX. Not my inquiry. I did not make this request seeking services or credit from this company. Social security on this inquiry is not mine. Verified my social security number numerous times with Transunion and they have yet to remove these inquires. 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 explanation
Consumer complaint received 2022-07-05
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Westlake Financial reported a late payment on my credit when their online payment system showed that there was no payment due. I had paid a large lump sum of payments in advance that covered several months, but their system showed that no payment was due for that last month of XX/XX/XXXX but yet I still got a 30 days late payment reported. 

I called and told them that their system showed me otherwise and also asked even if I was showed to be running late on their end why wasn't I contacted in any way. They said I was added to their no-call list and I said I gave no authorization to be added to that. All the woman said was that " I somehow must have told someone " yes '' to be added to it '' But I have never spoken to them over the phone since I had started my loan in XXXX. I asked for proof of when I asked to be added to the list and it could not be provided. Nor could they explain why their system showed me otherwise, all the woman said was that " I should have been aware '' They refused to take any responsibility for their shortcoming and I had to unfairly pay the price for something avoidable.

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