BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$1500.00} illegally was removed by XXXX XXXX ( XXXX ) from my account in XX/XX/XXXX at around XXXX from my Wells Fargo checking account. I was at the bank before XXXX the same day to stop the pending transaction. The banker got my information and called their Fraud department immediately. The agent in the fraud department talked to me on phone and asked couple security questions to verify my identity and told me to not worry and they will get back to me in a week or so. I received a letter on XX/XX/XXXX from Wells Fargo Claims Assistance Center ( claim # XXXX ) that the transaction was authorized or a processing error did not occur!!! 
I went back to Wells Fargo Bank and asked for more detailed information on their finding as a proof to legality of the fund transfer. The bank manager XXXX XXXX ( XXXX ) told me that they don't get any information from their claim department and should file a police report!! He told us that they will request reexamining the case again and get back to us between 48-72 Hrs. No reply back yet! 
I believe the bank has been negligent in safe guarding their customers and didn't stop the PENDING transaction from taking place in time. I need your help to pursue for me to recover my loss.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-28
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: CA
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:
While checking my personal credit report, which I acquired fromExperian. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2021-06-10
Company: OPORTUN FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I just opened a brand new account with this company. And, they seemedvery sketchy None of my information was pulling up online. Everything was redirected an when I finally called them and asked them Or told them that it's been 20 days and that I can't pull up any information. The guy told me. 1st of all he said told me what Web browser I had to use. Then he told me I had to delete everything on my phone in order to use their website. And when I told him that I was a developer and that I just couldn't do that, I couldn't closeout existing projects. He said, well, I suggest if you want to. Use our website. Buy a new phone. 
This is my first experience speaking to them and I was shocked by it. I said well, how about I just get a new credit card? He said fine. Then he just hung up. So if that's not the worst customer service. Probably in the history of The human race. I don't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019, I tried to temporarily lift a security freeze on my Experian credit file by using their phone system and website. I have a PIN number issued when I originally placed the security freeze on my file. Experian only answers phone calls with their automated system and it is impossible to speak to a human being. Their website also makes it impossible to contact this company since their Contact Us page only leads to a questions and answer list. Since my credit file is frozen and Experian keeps rejecting my PIN number, and there is no way to contact them, I am not able to lift the credit freeze temporarily or get a copy of my credit file. Unlike XXXX and XXXX, where I was able to lift my credit freeze, Experian keeps rejecting my information, which I think is because their records are inaccurate. Of course, I can't see what information they have for me since they won't allow me to contact 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 2020-05-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the evening of XX/XX/2020 into the morning of XX/XX/2020, I was robbed of my cell phone and debit card in XXXX XXXX, LA ( I was presumably drugged as I don't remember much ). The thieves used my phone to access my PayPal account by changing my login password using my phone as the means of verification. They subsequently sent fraudulent payments to a " XXXX XXXX. '' I disputed all transactions ; however, the automated PayPal service to review fraud identified no wrongdoing. 

I reached out on multiple occasions to explain the situation. Finally, on XX/XX/2020, I was asked by PayPal to provide a police report. I did so, to which PayPal told me it didn't matter that I had a police report. As a result, I have a negative balance in the account of {$800.00}. As this was fraud, I don't believe I should have to pay this balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: VA
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've sent off MULTIPLE letters to Equifax about my personal information being incorrect specifically my date of birth and provided them with two forms of ID so they could correct this issue. The first letter I sent off was on XX/XX/2021 and there was never an acknowledgment of receipt or any changes made when I pulled my report. I sent ANOTHER letter on XX/XX/2021 asking them to update my personal information to reflect the most accurate data and there was still no response. I sent off one last letter on XX/XX/2021. It is against the FCRA for them to willfully report inaccurate information on my behalf. The fact that this agency has neglected to demonstrate best practices when it comes to my information, it has caused me to lose faith in this system which is the very reason why the FCRA was created in the first place. I have been denied constantly for credit due to this information listed on my consumer report being inaccurate. I am seeking monetary relief in the amount of { {$4000.00} } for the negligence of this company. Not only have they neglected to update my consumer report, I am a single mother with XXXX XXXX  constantly being denied because there are inaccuracies listed on my consumer report withholding me from being able to properly care for my children and our financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per the FCRA>

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 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have tried to get this state tax lien removed from my credit profile but the credit agency does not want to remove it. Therefore, I request the assistance of the Consumer Financial Protection Bureau to help resolve this issue as it 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 non-monetary relief
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They will not remove the BK even though it is n't mine and I 've provided information that proves this fact. I also provided the information directly to them from the clerk of court that the court system does not use a full social security number to identify cases. This information is incorrect and by law should be removed.

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 2022-03-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt appeared on my credit report on XX/XX/2022, in the amount of {$1400.00} and I was not notified to dispute NOR do I have any knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Failure to Validate Disputed Debt ...  XXXX XXXX XXXX ... 
XX/XX/2017 - According to the complaint, XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit 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 explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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 belongs to someone else

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

Account name : XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have an open account with XXXX XXXX XXXX XXXX, and the account has the wrong address associated with the loan. 

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Paypal Holdings, Inc
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Venmo froze my account for no reason! XX/XX/2022 I received an email saying that my account was frozen and to verify my identity which my identity has already been verified. They then told me that wasnt the problem. That the problem was a series of activities that happened recently with my account which doesnt make sense because I barely use the account! Even while my account is frozen my bank transfer of XXXX was added to my Venmo balance. I already had XXXX dollars in the account when it froze. So now I have XXXX dollars in a frozen account that they refuse to unfreeze. I did not violate any terms of their agreement for my account to end up frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: ECMC GROUP, INC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account is ten years plus and has been continuously being reported to the credit bureu I am not working and am a single parent of XXXX young children is there anyway the payment can be written off or taken off of my credit. It is preventing me from providing for my children!

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 2020-10-22
Company: ID Analytics, Inc.
State: OH
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 would like request a full XXXX XXXX, Sage Stream, XXXX credit reports. I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Under the fcra section 611 i am allowed to request and receive documents that was received in determining that a debt is in fact valid. I contacted XXXX and was denied what was requested. I was told by a rep that they send somethi g to the agency reporting this debt and in return they say yes or no this is or isnt valid. I asked on several occasions to be sent MOV [ method of validation ] and i was denied. Their response is they have no idea if the debt is actually valid because everything is automated and they dont require them to send anything to validate the debts. There are collections and a closed account that i am unaware of. The closed account has my address being an address that is not even listed on my report. I have put a fraud alert on my report. Along with a statement that i have know knowledge of these accounts. I would like for the credit bureau to send me MOV within 15 days of this complaint or be in violation of my rights. Please delete unverified accounts on my report. I have been reinvestigating this matter for months. Without any information that i am requesting. I have been tild to contact the creditor which in fact i can get the info with a contract between me and the creditor or what was used to verify the debt from the bureau

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 2019-10-02
Company: EQUIFAX, INC.
State: DC
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:
Upon contacting Equifax my mortgage company requested that they remove a duplicate account. Equifax removed both accounts from my file. Equifax needs to report one of the mortgages. Per the notice from the mortgage company only one account should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Personal information incorrect

Complaint:
I submitted request to XXXX regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau . Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report.

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
3. My current address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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 have inquiries on my credit report that I didn't authorize

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