BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Date of Complaint : XX/XX/XXXX On XX/XX/XXXX I received a job offer from a person on the professional social networking site, XXXX. The position was a well-paying remote position and the email looked reputable so I decided to pursue it. The employer claimed on XX/XX/XXXX that he would need remote access to my phone and laptop to install the software I would need to do the job. I would also receive a check in the mail for XXXX XXXX XXXX XXXX XXXX dollars as upfront payment. Since I have worked from home before, this did not seem like a red flag as I've had other employers need remote access to my devices before. The job poster told me to click a link sent to my email for them to access the devices. I did and the poster downloaded software on my computer. Shortly after, I got an email from Wells Fargo claiming XXXX had been activated on my account and there was an unauthorized transfer of XXXX XXXX dollars to a name I did not recognize and I did not make. As soon as I realized that this was an unauthorized transaction, contacted Wells Fargo and put in a Fraud Claim. I received a letter on XX/XX/XXXX from the Wells Fargo Claims Assistance Center claiming that " after examination of account and transaction details, it has been determined to be authorized. '' This transaction was unauthorized and I had no part in sending any money through XXXX. Under the Electronic Funds Transfer Act, I am entitled to my money back but Wells Fargo is claiming the transaction was authorized.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a description all right so in accordance with the fair credit reporting act everything has to be XXXX on my credit report. The credit borders the credit bureaus stated my account wasn't properly investigated. But how is that possible if the date open if the open day isn't accurat the date last active is inaccurate and a date last reported is inaccurate and a date last reported is inaccurate that's is grounds for removal and they rather they also that's ground removal and they also violated my rights under 15usc 1681section 608 602 a states I have the right to privacy 15usc 1681section 604 state that also states that consumer reporting agencies can not furnish your account without my rent permission. So I did not give written permission. So I did not give written permission to these accounts to be furnished on my credit report. So delete these accounts do to violations with all three credit bureau. XXXX, transunion, 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 2021-07-15
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The Santander consumer financing -Santander must pay {$65.00} XXXX in restitution to be divided amongst the 33 states and the District of Columbia . Over XXXX consumers across the settlement states will be eligible for this restitution. 
-You must have a gotten a loan with Santander between XX/XX/XXXX and XX/XX/XXXX this valid information from - https : //www.santandermultistateagsettlement.com/Information-for-Consumers? XXXX and I XXXX XXXX XXXX XXXX live in nc and opened my loan with these guy sometime in XXXX. 
I definatly qualify but haven't received any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

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 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 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.

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 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I only applied for 1 credit card from XXXX XXXX XXXX on XX/XX/XXXX, and there should be only one hard inquiry but I find two. Please remove one of 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 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-24
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my right. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 2 : it also state a consumer reporting agency can not furnish a account without my written constructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When i login to the XXXX Report found certain unusual activity with the final reports. 
There are lots of accounts shows which not belongs to me and when i tried to fix it but company is charging XXXXXXXX XXXX  money for that. 
Its totally unfair to me. 

Seeking help in order to resolve the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2018-12-29
Company: Experian Information Solutions Inc.
State: HI
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 have two hard inquires on my credit report with XXXX and Experian for credit cards or some other type of applications signed with my name in which I never applied for. 
The first one is with a used car company called XXXX XXXX XXXX in XXXX. HI XXXX ) XXXX, XXXX reported on XX/XX/2017. 
They would not work with me to investigate this hard inquiry. 
The second hard inquiry is with XXXX out of XXXX. GA ( XXXX. 
They issue gas cards for XXXX gas station that I never applied for and was reported on my credit report on XX/XX/2017. 
I have contacted everyone and still nothing has been removed even after writing letters and copies of my identification with my picture and signatures. 
I just like these 2 hard inquires of of my report since the rest of the inquiries are mine. 
None of these businesses or credit bureaus are willing to remove these two hard inquires that are not mine. 
Trying to build credit and I do not apply for credit unless I am trying to get a bank loan.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
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 have already disputed these accounts but the bureaus did not remove them, nor prove validation. please remove these items from my credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, has violated XXXX 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 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 2018-12-29
Company: U.S. BANCORP
State: MO
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 pulled my credit reports and observed the account - XXXX XXXX XXXX - remarked the credit line was closed with a past due balance of {$920.00}. In XX/XX/XXXX, the account was listed as 30 days late. In XX/XX/XXXX, the account was listed as 60 days late. In XX/XX/XXXX, the account was listed as 90 days later. In XX/XX/XXXX and XX/XX/XXXX, the account was listed as 120+ days late. Then, from XX/XX/XXXX to XX/XX/XXXX, the account has been reporting a failure to pay.

I disputed the account on two occassions with credit bureaus, XXXX and XXXX  respectively, in XX/XX/XXXX then 30 business days later in XX/XX/XXXX. The previously mentioned bureaus and XXXX XXXX XXXX failed to send verifiable proof of the debt after both investigations.

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 2019-01-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2019-01-16
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I incurred charges by 2 merchants for the month of XXXX-XXXX  2018. I filed a claim and Netspend sent me a letter telling me That upon investigation an error had occurred involving these 2 merchants and issued me credits. However they had not found any error for the Transactions by these 2 merchants that occurred in XXXX  because I didnt file within the 60 days. I did file my claim online on their website. They said they have no record. I have proof that I did file and that their website isnt fully working.But the corporate guy said it made no difference. He wouldnt even let me provide my proof. In fact he sent me a denial letter on XX/XX/XXXX. He called to speak to me directly on XX/XX/XXXX because I was disputing the ruling. So its obvious that no matter what I said he had already made up his mind. The card holders agreement that has a clause that states Netspend may extend the 60 filing period if a good reason such as hospitalization is the reason for missing deadline I would think having a website that supposedly lets you file a claim that turns out isnt working and disputes arent being directed to Netspend is a valid reason. Furthermore Netspend had issued me credits for fees on another claim that wasnt filed within the 60 days. The merchant returned monies owed but the fees was credited by Netspend

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 2019-01-16
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted Nelnet several times the last time was in XXXX  regarding the legitimacy of a loan they say that I owe for educational services that they say was received at XXXX XXXX XXXX  College inXX/XX/2014 I did attend XXXX XXXX in XX/XX/2014 and began repaying the Loan through XXXX XXXX XXXX and are currently paying through them as of today and this loan was not sold. I requested for a promissory note to be sent to me or some information regarding the origination of this loan in excess of 30,000. Thus has been an ongoing issue and no one will help me figure out where this came from the only option I have is to keep applying for forbearance until I can get this resolved. This has been very stressful And has caused XXXX XXXX and XXXX. I just want this removed from my history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
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. 

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 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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion has not removed, On account off of my report for XXXX XXXX Is XXXX. Amount of XXXX XXXX XXXX XXXX dollars ( XXXX ) They also have not reflected The proper critics score. 
In addition, XXXX, Transunion, XXXX Are not reflecting proper credit age.

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 2023-03-05
Company: EQUIFAX, INC.
State: NY
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:
The Credit bureaus stated Account Name XXXX XXXX XXXX  & Account # XXXX properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights und

er 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these agencies written permission to furnish these accounts on my credit report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX submitted paperwork to close deceased parents ' account and have funds come to estate. Won't let you do anything electronic, will only mail the check! XX/XX/XXXX XXXX closed account and sent me letter stating check coming in mail to follow in " XXXX XXXX XXXX  days. '' No check arrives, so I call on XX/XX/XXXX and am told I have to call when it has been XXXX to XXXX business days from the check being mailed ( which they can't tell me when it was mailed, just that account was closed XX/XX/XXXX ). XX/XX/XXXX still no check, so I call and am told by " XXXX '' that it has to be XXXX days, which is a lie, and she was very uncooperative, so I tried to contact a supervisor but the hold time was too long. Call back at XXXX pm and on hold for XXXX minutes waiting for an agent, then disconnected. Call back again, same hold process, finally talk to someone semi-competent who gets the account number then boom - disconnected again. It is like a ploy to wear you down. Call again, finally get " some '' help ( total phone call this time is XXXX minutes- just ridiculous! ). Told the check was actually cut XX/XX/XXXX and now all they can do is send me an Indemnity Form to fill out ... by MAIL. Again, the method by which the first check was lost. I have my doubts there ever was a check sent as all this runaround means XXXX makes money off the funds while we wait. So I have to wait for this form to come in the mail ( whatXXXX XXXX XXXX XXXX  days I suppose ), then return it, then maybe they will deign to mail me another check... which is ridiculous as no one else sends XXXX digit ( near $ quarter XXXX ) via the US mail. They give you no other option, and they don't care if you wait forever as they still have the money ( long as no one cashes the " lost '' check ) and continue to make money off it. All a racket to put money in their pockets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: CT
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:
This is not my account. I would like this fraudulent account to be removed from my credit report. 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