BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXXXXXX Balance : {$5400.00}.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Back in XXXX I received an email that a bank account was being opened with my information at Bank of America. They had my email address and my social security information. I immediately called and put a freeze to all of my credit cards and my social security number. I went to a BOA location and complained there. They showed me the account that was opened and I reported it as fraud. They said they closed the account and took care of the situation. Over the next few months I monitored my credit cards and social security information closely with no other issues. Then in XXXX I received another email that an account was being opened with my information again. I immediately called and filed a fraud complaint with BOA and expressed my frustration that this is the second time my social security number and information was being used to open an account. I have not had any uses or issues with my credit or social security number anywhere else other than at Bank of America. I have had to shut down my credit cards multiple times and not have access to my credit as well. I also just a few weeks ago received another email that the user ID being used to create these fraud accounts was disabled. I will be attaching photos of the emails. Please help me with this situation. Thanks.

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 2023-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I purchased concert tickets through XXXX, total cost {$XXXX}. Due to the pandemic, the concert was postponed several times. I purchased the tickets with my Wells Fargo debit card. 

In XXXX of XXXX, some hackers compromised that Wells Fargo checking account, and the bank made me close that account and open a new one. 

On XX/XX/XXXX, XXXX notified me that the concert had been cancelled. They said refunds would issue shortly. When the refund was not issued within the promised timeframe, I contacted XXXX and they claimed that they issued the refund on XX/XX/XXXX, returning the funds to the account I had used to purchase the tickets. That is impossible, as that account had been closed about a year earlier. I asked if they could issue a refund to my current checking account ( which XXXX currently has on file as my primary checking account ) and they say they can not. 

I contacted Wells Fargo, filing a formal complaint, and they said they can not help, and that I have to go through XXXX. An obvious XXXX and no one is taking responsibility. 

I am entitled to this refund for the cancelled concert, and it is not my fault that XXXX and Wells Fargo can not work it out between them. 

Thank you for your time and attention.

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 2023-06-21
Company: EQUIFAX, INC.
State: AZ
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:
Hello, I recently reported a fraud alert for accounts that were opened fraudulently. My police report was updated as other accounts were found. 
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
1. XXXX XXXX XXXX  ( XXXX  ) 2. XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have contacted XXXX XXXX  times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX three  times including today XX/XX/XXXX to request them to update the account with the credit beaurers  as the account has been closed and settle. They inform me that the account has already been reported to Transunion, XXXX, and XXXX as account settle for less and closed about two months ago. However this credit companies refuse to update my account and lastly the representative from XXXX  today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.

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 2023-01-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I reported a scam to XXXX for a {$230.00} transaction. Within minutes of the transaction, I attempted to cancel it but XXXX wouldn't allow me. I attempted to request a refund the next day, but that didn't work either. When reporting the XXXX user as a scam, it automatically blocks the account so I can't see if it's still active on XXXX. I tried contacting customer support, but they only had a chat bot. I asked the chat bot for a phone number numerous times and was never provided with a number for a live agent. 
I then disputed the transaction where the money transmission came from - my Wells Fargo checking account. I sent Wells Fargo all of the chat transcripts, logs, and receipts, but never received confirmation that they received the information or reviewed it. Several days later, I called Wells Fargo claim support and asked numerous times if they received the email where I sent every detail about the dispute. I was told it doesn't matter because they won't honor XXXX transaction disputes. I asked to speak to a manager, but was transferred to an escalation call center where the agent repeatedly only said, " we won't honor this dispute. '' I spent a ton of time and effort doing my due diligence to have to follow up myself and simply be told no one will help me. 
I was dismissed by XXXX and I was dismissed by my bank ( Wells Fargo ) despite having FDIC insurance that is supposed to protect me from scams and fraud like this. If Wells Fargo won't even submit a chargeback for blatant scams such as this, they are encouraging the proliferation of scam artists on these apps because there's no repercussions.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX  XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$12000.00}.

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 2023-04-19
Company: Paypal Holdings, Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This happened last year but im just finding out I can submit a complaint. I purchased a sneaker from a company called XXXX XXXX. They would do pre-orders on shoes. Ive been using them for quite some time but we found out they were running a scam and the owner fled the country after a warrent. This left thousands of customers without money. I disputed with both Paypal and my credit card company XXXX Paypal claims that im a " reseller ''. They started marking everyone as a reseller so they didnt have to pay people back. anyone who knows me knows I'm someone who buys shoes to wear. If I was a reseller i wouldve purcahsed multiple pairs and not one. Sadly paypal told me if I dispute with my credit card company they cant help me. After waiting 5 months for a resolution, They denied me as a reseller. I went to my credit card company after but they said they cant disput anything after 180 days so I was left without {$220.00}. It wasnt much, but I paid for an item i didnt get and neither paypal or my credit card backed me. Paypal claims to back its users but this was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize enquiries, neither did I authorize them and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
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 reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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 have sent payments in to American Express on several occasions and the payments are either sent back to the bank or deposited and not credited to the account. 

I have reached out to the XXXX  of American Express and they have not been able to resolve the problem. 

Other times I receive my bill late and by the time it needs to be paid I get a late fee and interest charges on my account. 

The last time I called American Express it took 2 hours on the phone and no progress. 

After making a complaint to the executives, I received a notice that all of my accounts were suspended and my credit limit was reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX  account 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, has violated my rights.

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 
Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have made numerous requests all with the same reply - " I will send the request to the appropriate department. '' - but all having the same result. The result has been the payments have gone to an unapplied area where the financial institution is able to make gains 2 fold - gains on the money intended to go the the principle as well as additional interest on the account. Knowing that this is happening to me I know I can not be the only person this needs a major correction given this is now the 3rd complaint that I have filed. 

Each week I place {$50.00} and have called SPS to inform them of this. There are notes on the account but no reactions to requests. Since the last complaint a payment of {$50.00} was sent XX/XX/XXXX and another {$150.00} on XX/XX/XXXX and full payment of {$680.00} on XX/XX/XXXX and {$50.00} on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted them today and spoke with a representative by the name of XXXX. on a recorded line and again asked that the payments be posted properly and any interest be credited back on the 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have an open car loan with XXXX through XXXX. I got into an accident XX/XX/XXXX and my vehicle I was financing was deemed total loss on XX/XX/XXXX. My current loan balance at that time on XX/XX/XXXX was {$17000.00}. My remainding balance was paid in full by both XXXX XXXX insurance and XXXXXXXX XXXX  ( XXXX ) coverage. I also was due a refund from XXXX for {$490.00} which was paid to my account on XX/XX/XXXX leaving my balance at {$17000.00}. {$17000.00} - XXXX ( XXXX ) = {$14000.00}. {$14000.00} - XXXX - XXXX ( XXXX XXXX XXXX checks ) = {$690.00} on XX/XX/XXXX. From this point there should be no interest involved but there is and all my payments were being heavily thrown towards interest by XXXX when I told them I wanted multiple payments put mostly or only towards principal which would leave me with no more interest. {$690.00} - {$450.00} ( the payment I made on XX/XX/XXXX ) and minus {$410.00} ( the payment made on XX/XX/XXXX ) leaves my balance at- {$170.00}. This means XXXX owes me {$170.00}. Not only has XXXX not reported that I made payments at all from XXXX through XXXX. Both insurance checks were paid and received in XXXX on the XXXX, XXXX and the XXXX check was paid and received on XX/XX/XXXX. Not only am I being flagged for late payments of 60 days but today is XX/XX/XXXX and I am just now receiving info on how to close account but the account should have been closed in XXXX if not the latest XXXX. I should be nowhere near 60 days late for a car I totaled XXXX months ago. Do not do business with XXXX. The thing is this process took way too long for simple tasks that should be completed much sooner if worked on with diligence. I stayed in constant communication and there was no transparency, as a matter of fact I was told I was not in credit bureau danger on multiple phone calls ; I was lied to then comforted on another call that it would all be changed at the end when it should never be wrong in the first place. Just plain out bad business.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2021-04-02
Company: HYUNDAI CAPITAL AMERICA
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:
I have contacted Kia Motor Finance going on 2 years to report my loan account information to the credit bureaus. No information is on my credit for this loan. I have also contacted XXXX who can not get a response either. I have been told numerous times it will be reported but it never happens.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$190000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX XXXX Owed : {$9500.00}, XXXX XXXX  XXXX Balance Owed : {$1200.00}, XXXX  XXXX XXXX Balance Owed : {$1200.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX XXXX Owed : {$2700.00}.

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 2023-05-24
Company: EQUIFAX, INC.
State: AL
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 vehicle was a lease and they repo the vehicle. I fulfilled payment and the reporting to bureau the full amount of the lease vehicle on all 3 credit bureau. It was a lease not a purchased.

Company response to consumer: Closed with explanation