BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: ADP Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
My card has been locked since About XX/XX/XXXX they told me to send in documentation to get my account unlocked 2 weeks go by and my card is still locked then I get paid from my job and I go to use my money which is when I realized my card was locked still after 2 weeks of sending my documents in so I call and they said something about incorrect information was told to them and I needed further verification I sent in the further verification they asked for and theyre site says 2-3 days another 2 days go by my card is still locked now I have no way to work no way to eat no way to feed my dog or handle my business it is only XXXX in my account so when I seen it was still locked after the second time of me calling I called back and let them know I keep calling sending in verification and my card is still locked the website says 2-3 days its going on 3 weeks and some days and my card is still locked with my money in my account I called asked to transfer my money out and close the account because at this point customer service is horrible and this isnt the first time this has happened so I explain whats going on to there employee she puts me on hold several times just to come back on the phone and state theres nothing I can do but wait or send in more documents this time they asked for school verification so I sent it in again another 3 days go by I have my mother and father card they put them on hold and disconnected the line so I call again explain the situation and the lady gets very rude and nasty and hangs up in my face when I asked for supervisor and told me stop calling so I gave it a hour and called again to speak to someone new and this time she told me she will unlock my card once we hung up I checked my account and its still locked I am now very frustrated my direct deposit from work is now on hold because I explained to them that my money is just sitting in there so I dont wan na deposit any more I work a hour away and borrowing money from family friends and spending XXXX $ a day on XXXX and XXXX because I dont have the money out my account to get my car fixed to make it to work I have been asking people for money to eat because they will not unlock my account its been 3 weeks and some days my account should not be locked and I sent in my birth certificate social school report card and more. Its a huge inconvenience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
My Complaint is against Transunion i had a collection removed from my credit report there name were XXXX XXXX XXXX. On XX/XX/2023. An Transunion drop my Score from a XXXX to XXXX XXXX points this has to be fraudulent incorrect reporting i have also noticed this type of reporting done with XXXX an XXXX I would an investigation done on my behalf concerning wrongly fraudulent credit reporting on all three for the year of XXXX 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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to file a formal complaint regarding inaccurate reporting of late payments on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). As a consumer, I am concerned about the negative impact this misinformation has on my creditworthiness and overall financial well-being. 

Account : XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX NUMBER XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXXXXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Upon reviewing my credit report, I discovered discrepancies in the reporting of late payments that do not align with my payment history. According to Section 611 of the FCRA, consumer reporting agencies must ensure the accuracy and completeness of the information provided in credit reports. The reported late payments are erroneous and misleading, significantly affecting my credit score and financial opportunities. 


I have previously contacted [ XXXX ] on [ XX/XX/2023 ] to dispute these inaccuracies. Despite my efforts, the incorrect information remains on my credit report, causing undue harm to my creditworthiness and financial reputation. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action in accordance with the FCRA. I also ask that all inaccurate information related to the late payments be removed or corrected from my credit report. 


I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report and protects my rights as a consumer. 

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2019-06-18
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
After initially filing a fraud claim in XXXX- where I was told my card would be disabled and no further fraud would occur- have yet to receive full resolution for multiple fraud claims. 

This complaint is regarding the charging of monthly service fees and the charging of insufficent fund fees for transactions that were reported as not authorized. 
I HAVE YET TO RECEIVE RESOLUTION and NOT ONE EMPLOYEE WHO HAS HUNG UP THE PHONE ON ME or kicked me out of the branch has offered to apply a Customer Satisfaction Credit to cover- instantly the illegal charges of non sufficient fund fees. Wells Fargo credited XXXX- whereas I was charged {$35.00} and not refunded of all bank fees. I truly feel Wells Fargo has the worst customer service I Have ever experienced and I am genuinely confused as to how you can still claim to strive to provide outstanding customer service to its customers. I was robbed, my identity was stolen and to make matters worse- after multiple police interviews and forwarding multiple copies of police reports, and after waiting the " standard ten days '' to resolve the claim- I was kicked out of a Wells Fargo branch , I was told by a branch manager who is still receiving a pay check from Wells Fargo that she would not be willing to help me report fraud on my account. 
What I am asking for is some type of gesture to show me that Wells Fargo is sorry for what has happened, that they have empathy and that they value me. While I understand and respect there are processes to follow, it seems unfair to say the least that I am left with a financial strain and told " we need time and we need to follow the rules to resolution '' when the employees who get paid to not provide service are NOT FOLLOWING THE RULES ANS PROCCESES to achieve resolution.

I was given a {$3.00} credit today, and this is deeply dissapointing that one one thought " lets provide her with a {$35.00} customer satisfaction credit '' ...

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: 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:
In accordance with the XXXX XXXX XXXX XXXX. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Account Name : 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 instruction.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Two XXXX XXXXXXXX credit cards were opened in my name. Both cards were maxed out and left unpaid now showing as collections on my credit report. I've already filed a dispute on these charges with both the originating company as well as the credit reporting company. The originating company was not helpful and claimed because I couldn't show proof they weren't opened by me ( how do you even do this ) that they would remain under my name.

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 2022-04-17
Company: CAINE & WEINER COMPANY, 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: Investigation took more than 30 days

Complaint:
New information I sent a debt validation letter on XX/XX/22 the alleged debt amount is {$800.00}. I was never notified as a consumer that this debt was sold or transferred to a debt buyer/debt collection agency. This is a violation of my consumer rights per FCRA, XXXX. The notice that I received in reference to this alleged debt is not considered a validation. I also noticed on this form it shows a car that I never owned. Thats considered Fraud. I been disputing this account over a year and this is the first time receiving what they considered debt validation. Please see 15 USC 1681. Your company has violated my consumer rights.This account was deleted and put back on without notifying me as a consumer. Caine & Weiner letter dated XX/XX/22 which is also a violation.This is a violation and I will be seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments

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 2022-04-17
Company: Experian Information Solutions Inc.
State: LA
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:
There is an installment loan from a company called XXXX on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE CONTACTED TRANS UNION ABOUT FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE SUBMITTED FTC REPORTS ALONG WITH MY IDENTIFICATION, UTILITY BILL, AND SOCIAL SECURITY XXXX HAS YET TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CONSUMER FILE. I HAVE CALLED AND REQUESTED FOR THIS INFORMATION TO BE REMOVED. I WILL BE UPLOADING DOCUMENTATION AS PROOF.

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 2023-08-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXXXXXX XXXX  Date of Inquiry XX/XX/2021

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 2023-11-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX I sent a personal information update to all XXXX credit bureaus asking all my personal information to be updated and removed all old address connected to my report. My address has been updated with correct address and removed information with XXXX and XXXX. I have contacted Experian and advice to have my address updated and was advice that they can't see any address on my report. Also, that it was still under investigation.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
Reporting agencies improperly used my personal business without my consent. XXXX, XXXX and Experian. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Mailed in FTC report 4 times each of the last 4 months with tracking number and still haven't received none of my documents. 

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 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 2021-04-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I received an alert from my credit card where I am signed up for a credit monitoring service that said I had a hard inquiry on my credit report from Ally Financial and it says it was in reference to a new account. I called them on the XXXX to see why they had made an inquiry on my credit for a new account since I did not open any new savings accounts with Ally Financial and I bought my car on XX/XX/XXXX which coincides with my new account with Ally Auto since I have my car loan with them. Prior to me buying a car they have never made a hard inquiry on my report since I only have savings accounts so I was confused. I called Ally to ask them why this was the case and they stated that it was my dealership, XXXX XXXX XXXX, that made the inquiry on my account since Ally only buys loans. So I called my dealership and they said that no they did not make this inquiry since I bought my car in XXXX and they only keep my finance data for a short period of time. Additionally, if someone would have came in the dealership using my social security number it would have been flagged. So I called Ally back and relayed this to them and they still could not give me an answer. I asked them if they kept a record of who submits inquiries to them about buying a car loan and one person told me no but then another person told me yes and sent me to the credit part of the company but no one answered my calls. Additionally, I was refunded {$500.00} from the dealership because I cancelled a service I bought with my car and they sent a check back to Ally and the check has cleared but Ally has no record of it. I have email correspondence and can show phone record proof of my multiple calls to Ally. I am so frustrated because they will not give me an answer on these two issues.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XXXX, XXXX  ; I Consolidated a Private Student Loan from XXXX to a Federal Student Loan/Dept of Education Loan Serviced by XXXX. 
Since this time, i have been trying to get this transferred loan off of my credit report. I have written letters to XXXX, have filed complaints and have done everything that I can think of to get this loan removed. As of today, This Student loan Is Still Showing as Open with a balance of {$22000.00}, Dept of EdXXXX XXXX XXXX is also showing with a balance of {$22000.00} ; which means that this loan is showing on All Three Credit Reporting Agencies as TWO Open Loans instead of ONE.

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