BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
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: Account status incorrect

Complaint:
XXXX ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX - partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer,  as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-08-07
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Credence Funding Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
CREDENCE FUNDING CORPORATION ( XXXX XXXX ), XXXX AND XXXX XXXX   ( XXXX XXXX ) ARE ALL ENGAGED IN AN ACTIVE CONSPIRACY TO WRITE FRAUDULENT LOANS FOR ELDELRY PEOPLE FOLLOWED BY THEFT OF HOME USING COMPLEX AND ILLEGAL ESCROW MANIPULATION TO CONFUSE AND ROB THEM. SPECIFICALLY IN THIS CASE WE HAVE A LOAN WITH MISSING ITEMS ON LOAN AND ESCROW DISCLOSURES, AND A THEFT OF {$1500.00} FROM THE VICTIM 'S ESCROW ACCOUNT AFTER HER HUSBAND DIED.. WE HAVE A LOAN THAT NEVER MATCHED THE PAYMENT QUOTED AND A HOUSE PAYMENT THAT DoUBLED SEVERAL TIMES DURING THE COURSE OF THIS FRAUDULENT LOAN 'S EXISTENCE. XXXX EMPLOYEES CONFIRMED THE MULTIPLE COUNTS OF LOAN FRAUD, A COPY FROM THEIR LETTERHEAD IS PROVIDED HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2020-09-15
Company: Experian Information Solutions Inc.
State: WA
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:
A fraudulent charge and subsequent collections account showed up on my credit report. I made several attempts to resolve this - disputing it with all three credit bureaus. I reported the fraud to the collection agency, I also reported it to the vendor ( XXXX XXXX XXXX ). Finally, XXXX XXXX XXXX cleared me from the account - proving that it was a fraudulent charge. The collection agency also cleared me of the charge. I've sent supporting evidence to Experian and requested that they remove the collection from my credit report, but they will not. The dispute results state that the collections account is now in good standing, but will not be removed from my credit report until XX/XX/2026.

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 2021-04-24
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed a certified with a sign receipt to Ally Financial XXXX XXXX  The company received my offer letter to settle a debt and I received my sign receipt back sign by someone from the company on XX/XX/XXXX. As of today XX/XX/XXXX I have not recveived any mail or phone calls regarding my settlement offer. I am requesting that this collection account with Ally financial be removed and deleted off my credit report. It has been over 30 days without a response from 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 explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FOR THREE YEARS I HAVE BEEN DEALING WITH XXXX XXXX XXXX ABOUT A CARD THAT WAS OPENED FRAUDULENTLY OR IDENTITY TFoTHREE YEARS I HAVE CONTACTED THEM AND ASKED FOR PROOF THAT I OPENED THE CARD AS IT WAS NOT ME. THEY CONTINUE TO REPORT IT TO THE CREDIT BUREAU. THEY HAVENT SENT ME SIGNED CONTRACTS TO PROVE IT WAS MINE AND IRONICALLY THEY KEEP EMAILING ME OFFERS TO HAVE A CARD WITH THEM. THEY ARE RUINING MY CREDIT THAT I HAVE WORKED VERY HARD ON. EVERY TIME I CALL, WRITE OR DISPUTE WITH THE CREDIT BUREAUS THEY JUST LEAVE THE SAME THING BUT NO ONE HAS SHOWN ME ANY PROOF I HAVE ASKED FOR account NameXXXX XXXX XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. Status UpdatedXX/XX/XXXXE.

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 2020-08-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
During the week of XXXX I attempted to add my wife as a joint tenant owner of my already-existing HSBC checking account XXXX. Did this while calling XXXX. The phone agent asked for my wife 's social security number and phone number. The phone agent tried to send my wife a code to her phone, but that process failed for unknown reasons. One agent said that my wife would need I needed to speak with credit reporting agency XXXX. A supervisor man who I spoke with on XXXX as called from XXXX said that there was No remote route to having a joint tenant added if their phone & social security number entry process failed. But no agent can tell us why the process is failing. A person can go into a branch, but there's no HSBC branches near me and my wife. 

HSBC utterly and absolutely refuses, to add my wife as a joint tenant owner of my checking account XXXX. 

HSBC refuses to accept mailed-in identification verification of my wife. A phone agent supervisor told me today that mailed in info on this front, will not sufficient and will be rejected. 

HSBC can not tell my family why my wife 's phone number can not be transmitted to verification-wise. 

HSBC is a highly unfriendly, and hostile bank. Hostile to married couples. Hostile to families. Hostile, in general. And unhelpful. And rude. Iron fisted, and a brick wall.

Attached is a letter I have mailed to the CEO of HSBC North America. However I doubt this letter shall have any effect, but a phone supervisor already told me that mailed in info on these fronts will go nowhere and have no effect. 

HSBC refuses to add wives as joint tenants to checking accounts. 

When the adding process doesn't work, they have no workarounds, or even explanations as to why things don't work. They offer nothing but obfuscation and a brick wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Incomm Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The day I purchased a {$200.00} Vanilla Visa Gift Card from XXXX an unauthorized XXXX user stole {$180.00} from the gift card. I followed the Vanilla Gift Card process and filed a dispute. I did not hear back from Vanilla Gift card for over 3 weeks after I filed the dispute. So, I phoned Vanilla Gift Card to receive an update on the dispute. I spoke to a live person who put me on hold and did not provide an update on the dispute. After researching online, there are numerous complaints regarding theft on these Vanilla Visa prepaid gift cards and Vanilla Visa Gift Card not doing anything to resolve it with their customers.  This is complete fraud and something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Information is missing that should be on the report

Complaint:
To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove and delete these as I feel I am a victim of identity fraud. There have been several data breaches with my personal information leaked.

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 2023-03-13
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been trying to dispute {$2700.00} dispute transaction since the day that I was originally discovered him on my account. I have sent multiple emails and calls about these massive amounts of money. I can send whatever proof I need to send to support my fact that that money was stolen from me. i would like to dispute it and refund my money. i would like to dispute it with XXXX i filed a police report, fraud investigation report and notified dof and the attorney state general as well as XXXX prosecutor office. i really need to dispute these charges. the money in my account was for school. it is XX/XX/XXXX and my very last semester. i can have my school testify to that as well. this is really important and i have worked too hard to be this close, please if there is any way i can have this taken off my account i will do it. i have all the evidence to support that my money was wrongfully taken. i was desperate to get what i needed for school. i paid under the impression they would give me what i had in my account. they didnt. that is the company XXXX  so can i dispute it with them? please if there is anything anything anybody anything i can do to recover what was taken from me. i will do whatever and send all the proof i have to whoever needs to see it to put my money back so i can finish please help me or please do anything to dispute this transactions and recovery my money. 
This email message and its attachments are for the sole use of the intended recipient or recipients and may contain confidential information. If you have received this email in error, please notify the sender and delete this message. I had XXXX and I believe XXXX stolen from me and I'd like my money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019 received a letter, at my residence, from Wells Fargo saying that my Identity cant be verified & to call. I called and was instructed to visit a Wells Fargo branch with identifying information before XX/XX/2019. 
I went to a Wells Fargo branch and presented my drivers license, electric bill, water bill, social security card, and a couple other credit cards. The advisor called corporate to confirm the necessary information. 
On XX/XX/2019, I received another letter, at my residence, stating Identity cant be verified. 
I again went to the same branch and the same advisor made additional copies of my identifying information. She also called Wells Fargo corporate, to verify that all the information was received. 
On XX/XX/2019, I again received a letter, at my residence that my Identity cant be verified. 
For a third time, with the same branch advisor, I went to Well Fargo and asked what was going on? The advisor called again and asked that I provide the verifying information including drivers license again. 
Instead I said that I did not understand how this situation had escalated or could not be cured given all of the documentation and physical visits to the branch. 
I said that I was concerned my identity was being compromised and because the original credit card offer came via an offer to apply via XXXX, a credit bureau, and that Wells Fargo was in possession of my full credit report, in addition to having me physically appear in the same branch office three times, to please withdraw the application and destroy the file. The advisor said she did not think this could be done and instead advised me to be patient. 
All of this activity happened before the Wells Fargo determined cut-off date of XX/XX/2019. 
I then called XXXX  to ask what the issues were and the XXXX account executive suggested filing a complaint because of the unusual nature of the situation and to protect my identity from fraud or other misuse. 
Please advise.

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 2023-06-29
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Credit inquiries can be made by any legitimate business for any legitimate reason (??? way too open ended ) without prior approval or disclosure of purpose & /or credit impact to a credit holder. This opens the door for the credit holder to have their credit profile negatively affected for years, as it leaves the possible unknowing credit holder to seek out inquiries from the Credit Bureau ( s ) who then leave it up to you to dispute with the business who made the inquiry, who may or may not remove from a credit profile, which would then be reflected for three years on a credit profile. 

This is a problem as it poses the possibility to negatively impact credit profile for years and may result in restricting access to jobs, insurance, autos, housing etc.

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 2023-06-29
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:
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 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 response to consumer: Closed with non-monetary relief