BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ATTACHED INQUIRES. 
PLEASE SEE ATTACHMENTS

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 2022-03-09
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried to have Experian remove a XXXX  XXXX Bankruptcy from my report thats been on there 7 years. The dates are incorrect along with my address. I spoke to the court whom said they never released any information on any court dates and or filing and are in process of creating a letter. XXXX removed it from my report two weeks ago. Experian just wrote information correct and closed dispute. The information is not correct, address is also incorrect. I called spoke with representative yesterday whom said this wont be removed regardless and actually hung up on me. This is my credit, my only way to try to get a loan for a house. Its been 7 years and they wont even consider listening let alone taking it off my report. Requesting it be removed. If court letter is needed stating they never released any information regarding me to any other party I can upload. XXXX was very easy to work, wish Experian was the same. Please help.

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 2023-03-23
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXXXXXX Balance {$0.00}.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2019-03-15
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICES was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623,  subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA . Also PHOENIX FINANCIAL SERVICES has in fact re-aged an account the doesnt even belong to me. They failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation. PHOENIX FINANCIAL SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where PHOENIX FINANCIAL SERVICES is in compliance with OHIO LAW. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PHOENIX FINANCIAL SERVICES. has not even tried to contact me regarding this ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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 several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ;

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 2018-10-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Creditor Information WELLS FARGO EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XX/XX/2007 {$10000.00} My loan was supposed to be transferred and refinanced with another company. The name of the lender and the lenders have changed several times over the years. I believe I am being double billed. When I contact Wells Fargo they will only tell me they are researching things. They continue to report several different balances and opening dates on my credit report and now they are reporting a charge off. I only had one account with them. Now I suddenly have 3 accounts.

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 2021-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent about {$2000.00} on XX/XX/2021 that was supposed to be available to the recipient on XX/XX/2021 with Chase bank to an international bank. However, I requested to cancel the payment on XX/XX/2021. I have talked to everyone that I could possibly talk to to cancel my payment, but no one can do anything about it. I wanted to cancel my payment because the recipient did not receive the payment on the day they were supposed to. They still haven't received it. The company wants me to figure this out with the international bank when I transferred the money with chase bank here in the US. I even tried contacting the person I transferred the money to, but I was told to call my bank. I keep being sent in circles just to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 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  Account # : XXXX XXXX Account # : XXXX XXXX Account # : 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 1681 C ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any 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 2021-10-17
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a customer of BBVA Compass and my bank was recently acquired by PNC Bank. I was reviewing my account and noticed a {$3.00} fee pending on my checking account and a {$2.00} fee pending in my savings account for paper statements. I never had paper statements with BBVA and this should have transferred over when my account was transferred. Instead, when I went to change my statement preference to paperless, I was told that this would take effect for the next statement cycle but nothing could be done for the current cycle. I should not have to pay any fees for a service I did not have, did not request, and can not opt out of. I want my fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/2018, XXXX XXXX changed the way that they report XXXX XXXX debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least XXXX points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?

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 2019-03-15
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:
TXXXX, XXXX, and Experian Dispute with all three agency they have proof XXXX XXXX reaging this account and provided them with statements and which they have on file and will not delete from report and continue to make me do a dispute. XXXX Dispute # XXXX XXXX Dispute #  XXXX Experian Dispute # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: OH
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 have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

( Account name : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX : 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 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 explanation
Consumer complaint received 2020-06-16
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am in the process of selling a foreign owned condo property. A foreign bank wire transferred the amount of {$9500.00} USD from my realtor 's account into my personal savings account with American Express online personal savings bank. The transfer was made on XX/XX/XXXX and I have an electronic copy of the transaction. The money never showed up in my account. I received a voice mail from American Express on Thursday, XX/XX/XXXX to contact them about my account. I called back and was told that they do not accept wire transfers from third party accounts and they gave me a transaction number to confirm the return. The number is XXXX. They refused to provide me with an electronic copy. 

American Express left any email to contact them on XX/XX/XXXX. I received it after business hours, but I called and spoke to a customer care agent. They said they don't know why the banking operations area called me and I needed to call back during regular banking hours. On Tuesday, XX/XX/XXXX I called the banking ops center and was told that they received a wire transfer on my account and they tried to call me to verify account holder, but my phone didn't ring ( XXXX had a nationwide outage when they attempted the call ) so they returned the transfer on XX/XX/XXXX. They gave me a different number, which is : XXXX, a different transaction number. I asked why they told me the sent the money back on XX/XX/XXXX for a different reason -- the customer care agent I spoke to said that they don't accept transfers from 3rd party accounts. Furthermore, if they needed verification, then why didn't they ask for it when I called them back the prior week. And why did the agent give me a different transaction number. If the money was returned on XX/XX/XXXX, then where had it been since XX/XX/XXXX? I haven't been paid interest on this money. 

American Express has no explanation for the discrepancy and different stories of when the transfer was made and is again refusing to provide proof. They said proof is against their policy. They have also refused to set up a call with the bank to help find the missing funds and are now claiming they have no further responsibility. 

As of this morning, the transfer has not shown up in my realtor 's bank account. Given the discrepancies in the American Express reporting and refusal to provide proof of the return of the funds, I don't believe the funds were transferred. Is there a legal recourse? I seems American Express bank is incompetent at best and fraudulent at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/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 2023-10-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want all hard inquiries removed immediately from my credit report via XXXX XXXX XXXX XXXX b Any authorization or approval of a specifich extension of credit directly or indirectly by the iddue of a credit card or similar devices to be excluded from.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/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