BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
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: Public record information inaccurate

Complaint:
Experian is reporting a bankruptcy on my credit report. They have stated that this information is verified. I have contacted the original reporting agency and have been advised that they didn't report my information to these credit bureaus. I have attempted multiple times to remove.Please have this information removed from my profiles immediately.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I had a card with this bank that was opened on XX/XX/XXXX for a purchase through XXXX XXXX with a balance of {$870.00}. The card was paid off on XX/XX/XXXX and the account was closed XX/XX/XXXX. This account was used just XXXX time. On XX/XX/XXXX, I returned to XXXX XXXX and paid cash to have my tires rotated and balanced. On XX/XX/XXXX XXXXXXXX XXXX on behalf of XXXX XXXX ran my credit report. I found this out when I ran a personal check of my credit on XX/XX/XXXX. Since I had not applied for credit I called the bank and asked how they had the authority to run a credit check on me. They sent me a letter dated XX/XX/XXXX claiming they ran the check off the credit app I had submitted XX/XX/XXXX. If that is the case then I feel that they are in clear violation of federal law. That application was XXXX XXXX XXXX and the account was closed for 6 years. There was no current application for credit pending. This also begs the question as to why after all the years and just shortly after my visit to XXXX XXXX did my name pop up for a credit check for XXXX XXXX. My opinion is that there is collusion going on between the two entities and XXXX XXXX is a partner in this little scam. I have spoken with XXXX XXXX and they disavow any knowledge of this. I have spoken with XXXX XXXX  and even after sending me a letter which specifically states the reason for the inquiry was the old application, they deny ever running a credit check. Trans Union says they did. XXXX says in writing that they did but orally they claim they didn't. These people seem to have a real problem with the truth.

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 2022-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this issue with Bank Of America several times since XX/XX/2020 and this has not been corrected.This reporting of my passed account status is completely inaccurate. The report reflects fraud ; however, no fraudulent transactions nor activity was completed on my account. My checking account at Bank of America, was not used for any fraudulent activity. Nor were funds withdrawn out of the account with any intention to cause my account to go negative. No withdraws were ever made or attempted after the deposit. My account was forced closed due to the activity of the deposits. As I stated, it was not intentional to make non-negotiable deposits, due to unforeseen circumstances in with my employer at the time I was affected personally due to my checking account being new.

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 2021-11-01
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to make a payment on my special financing purchases and they denied my payment. They sent me back to PayPal.

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 2022-05-22
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 's XXXX, A credit card and Line of Credit has violated my rights. These accounts were past due since 2015 and has been 7 years which should be deleted. I have made multiple request that have caused damages to me personally. I have made numerous contacts with your company and no documentation with proof has been provided as to why they have not been removed.

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

15 U.S.C 1681 section 604 section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I MADE PAYMENT FOR {$1500.00} WHICH HAS BEEN VERIFIED BY XXXXXXXX XXXX XXXX REFERENCE # XXXX AS HAVING BEEN PROCESSED AS AN ELECTRONIC PAYMENT FROM MY XXXX XXXX BANK CHECKING ACCOUNT NUMBER ENDING IN XXXX. SOMEONE AT THE SAVINGS BANK SIDE OR AT THE XXXX  CREDIT CARD SIDE OF XXXX XXXX DECIDED TO ALTER THE PROCESS OF PAYMENT TO MAKE IT APPEAR AS IF I MADE A BALANCE TRANSFER INSTEAD OF THE ELECTRONIC PAYMENT I MADE FROM MY CHECKING ACCOUNT SO THAT A BALANCE TRANSFER FEE COULD BE LEVIED ON MY XXXX CARD IN ORDER TO STEAL {$59.00} FROM ME. AND THE REASON THIS WAS DONE IS THIS : WHEN I APPLIED FOR THE XXXX XXXX XXXX CARD, IT CAME WITH AN INTRODUCTORY 0 % INTEREST RATE FOR PURCHASES MADE AND BALANCES CARRIED DURING THE PROMOTIONAL PERIOD, AND AS LONG AS ANY BALANCE ON THE CARD WAS PAID BEFORE THE EXPIRATION DATE FOR THE PROMOTIONAL PERIOD, THERE WOULD BE NO INTEREST OR FEES FOR THOSE PURCHASES. SO I SET OUT TO PURCHASE HIGH DOLLAR ITEMS KNOWING THAT I COULD AVERAGE OUT MY MONTHLY PAYMENTS TO REPAY THE BALANCE TO XXXX BY THE END OF THE PROMOTIONAL PERIOD. I HAVE ALREADY FIGURED WHAT I NEED TO PAY MONTHLY TO ATTAIN THE NEEDED XXXX BALANCE, AND SO WHEN SOMEONE AT XXXX XXXX TOOK NOTE OF THIS AND REALIZED THAT THERE WOULD BE NO MONEY GAINED BY XXXX XXXX FOR THIS PROMOTION, THE ( NOT SO ) BRIGHT IDEA OF HOW TO CURE THIS WOULD BE TO MAKE THE ELECTRONIC FUNDS PAYMENT FROM MY CHECKING ACCOUNT APPEAR AS A BALANCE TRANSFER TO MY XXXX XXXX XXXX CARD SO A TRANSFER FEE COULD BE LEVIED. THIS CONSTITUTES FRAUD AND XXXX XXXX NEEDS PROSECUTED FOR THIS INTENTIONAL FRAUD PERPETRATION.

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 2023-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to sell the house previously, but it was reported at court as if I had a XXXX mortgage taken out on it ; XXXX got appraised at XXXX. My mother got sick, and she's on hospice currently, so I thought it would be good to have tenants and pay everything. They up and left, no 30 day notice, no nothing. So I hired a cleaning company, the assessment, cleaning, trash removal, etc. That said local company, instead, they MOVED IN. I have informed the mortgage company every step of the way, including the lawyers, and was told to wait, until we can all reach an agreement. I have made an insurance claim for my house, for stolen belongings, property damage, vandalism, theft, and worst of all, them impersonation a federal employee. Due to the squatters being in my house, having to e-file from XXXX, having the extra XXXX ( from XXXX to XXXX ), the payments were missed. I've lived at this address for XXXX years now, no issues. Since I had left, got fines and warning letters from the HoA, due to their irrefutable behavior. The mortgage company said XXXX thing over the phone, and completely different outcome over the phone. I just got the court date letter, with the court date, as wellad a letter informing me of accelerated foreclosure process beginning. Although I stayed in the house for the last XXXX weeks since I got back, fixed it where it needed, and cleaned iaw. Law required, they won't help. I need help, please help... 
The mortgage company is not giving me the option to pay the monthly mortgage and add partial from what I owe, but rather pay it all at once, no other option to work with me. I am a XXXX XXXX  veteran, single mother, and started a business last month, so I could pay XXXX, and pay off the mortgage within XXXX  years. My credit score is very poor now, also due to this being reported to the credit bb and affecting everything else as a snowball effect. I am not being given the chance to remedy as I can as I am able to, for it is impossible for someone to get legally XXXX, and pay off whatever is owed, to get it up to date and avoid foreclosure ( accelerated, since they know it's a profit margin of XXXX, if sold right now ). Please help, please advise, I am willing to do whatever it takes, to save my house, and to stay, in my house, not to be forced to leave, after I had just saved it from being rebuild, due to the damages caused by the squatters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX Over {$650.00} was taken from my social security payment by wells fargo to pay XXXX XXXX a loan i have a clear access checking account which if funds are not in the account it cant be overdrawn or charged wells fargo has done this numerous times overdrawing my account charging me fees allowing different merchants to charge my account even when a stop payment is placed on the merchants i dont recognize wells fargo then locks me out the system online to file disputes customer service always refuses to give me a manager or other numbers to be assisted Wells fargo freezes my account for suspicious activity cuts my card off pays whom ever they want to when they want to wells fargo fails to update my bank account charges transactions and current balances Wells fargo takes days to clear posted transactions Wells fargo takes a very long time to dispute transactions at their fault after ive made request and not authourized services My account stays in a negative balance im charged for something every month all month long I am XXXX the fees are outrageous the bank is negligent they refuse to help you when you wont give them passwords debit card numbers or pin numbers they dont file claims properly they violate my rights such as social security benefits are exempt from garnishments collection agencies and so on yet wells fargo allows these thefts to occur Its been a week and money has not been credited back to my bank accounts the credits that are refunded end up being taken by another charge and not updated properly or filed under the correct information and title im charged late fees because of wells fargo not posting payments until they feel like it it has affected my credit score XXXX XXXX charged me for a loan i didnt request plus a late fee placed a default on my name and credit accused me of paying a loan off with a different card number not on file then released another loan at the same time one was unpaid in the same week days apart resulting in more late fees as well as wells fargo allowing them to use my account to cover the loans without my knowledge ive sent corporate emails with no help in fixing the situation its numerous charges from for subscriptions i didnt request over draft fees atm fees recurring charges i never set up paying my bills two times changing dates when payments are processed that differ from the mobile app tranactions are missing on statements I need all my XXXX money returned to me inconvience fees as an accomodation my information properly updated fixed with the credit bureaus fair opportunities for credit cards applications i submitted to wells fargo but was denied because of their errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has continued to maintain this inaccurate invalid information on my credit report. [ Dispute report # : XXXX ] while violating regulations the FTC set forth. I have informed them several times in writing as well as electronically and asked that this damaging false information needed to be completely removed/deleted from the report. 
The Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in 1970. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement reasonable procedures for ensuring that credit information about a consumer was collected, maintained, and dispensed in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information FCRA, 15 U.S.C. 1681 ( b ) ; Safeco Ins. Co. of Am. v. Burr ( 2007 ) 551 U.S. 47, 127 S.Ct. 2201, 2205. The Congressional findings noted that [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumers right to privacy. FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). 
First, the FCRA at subsection 1681s-2 ( a ) prohibits furnishers from reporting inaccurate information about consumers. As such, it placed an affirmative duty on furnishers to correct and update information which they know, or reasonably should know, is inaccurate. 

I ask that all the accounts contained in Experian 's above mentioned dispute report, all be deleted immediately 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 2023-08-07
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date - XXXX / Amount - {$720.00} / Violations of 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S. Code 1681 ( b ) Permissible purpose / 15 U.S. Code C-2 / 15 U.S.Code 1681 for assertions/ Legal documents, Letters of Cease and DEsist / XXXX XXXX XXXX XXXX XXXX XXXX XXXX were sent and issued to XXXX XXXX, never received proper legal Notice of debt within XXXX  days / Never was sent the name and address of Original creditor / Never sent statement informing me they were assuming the alleged debt to be mine / illegal third party debt company without my permission as an authorized to report alleged fraudulent negative debt to all XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Southwest Credit Systems, L.P.
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:
Southwest Credit XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/2023 Re : Account Number XXXX To Whom It May Concern, I am writing this in response to your recent correspondence related to account number XXXX. I accept no responsibility for ownership of this debt ; however, XXXX willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 

You agree to not list this debt as a paid collection or settled account. 

You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 

I am willing to pay {$350.00} as settlement for this debt in exchange for your agreement to the above terms within fifteen calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. 

Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay {$350.00} in a cashiers check/money order. 

If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer and it will no longer be valid. 
I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXX Balance : {$5100.00}.

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