BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 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 2022-11-01
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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 2023-03-06
Company: Block, Inc.
State: WI
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:
Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls me 20-30 times a day. Non stop back to back to back. Ive told them not to contact me any more. This has been going on for years.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Would like to see about the overdraft fees that are being reimbursed

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 2018-08-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received the response that was given to XXXX XXXX. From that I reached out to Wells Fargo Bank this past Saturday the XXXX. They requested me to go to XXXX XXXX XXXX to tell them that on XX/XX/2018 account ending in XXXX, approved to send my money to XXXX with the ACH trace id number XXXX. I went to BOA and could not request any information because I am not their customer. Therefore I am in a dilemma of retrieving my money back since XX/XX/XXXX with no trace of whether XXXX has my money or if it is the possession of Wells Fargo. I spoke with XXXX from Escalation department from Wells Fargo. Her number is XXXX. The Claim number is XXXX from XX/XX/XXXX with XXXX from the Resolution department. They were suppose to notify me on XX/XX/XXXX on the status of my case. No one has been able to explain where my money went and why is not returned to my account. [ {$2600.00} from my savings ] and [ {$200.00} ] from my savings which was withdrawn on XX/XX/XXXX. XXXX made a fraud claim on XX/XX/XXXX which was denied on XX/XX/XXXX and I never received my funds back into my account. XXXX has since attempted to help me get the bank to return the money into my account. On XX/XX/XXXX XXXX  sent me a letter that XXXX XXXX 's claim was denied. He requested for the denial letter to be sent to me as proof to show to Wells Fargo in an effort to get Wells Fargo to put back the funds into my account. I have attached the letter I gave to Wells Fargo. They have sent me on a goose chase and have not done their job in finding out where my money went since it was not returned to 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 2020-07-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian credit reporting agency has changed their phone options to make it literally impossible to reach a live person. I tried virtually every phone number and every option listed and all go to recordings and then automatically disconnect. Please try this with their main number XXXX. I am trying to manage a fraud alert and credit freeze and am unable to open new accounts or manage my financial life because of the inability to access a live person. The last time I went through this with them, the only way around it was to sign up for their credit monitoring, talk to a person after I paid the credit monitoring fee, and then canceled the monitoring. The other agencies have an option to speak with someone. Experian 's system is extortion.

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 2022-11-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax is reporting a hard inquiry that is not mine or is Identity theft. I did not consent to this inquiry & I feel I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to fix the problem with the company for over a year. I have sent letters, disputed several time with the credit companies. World Fin, would just send a settle offer. No proof of contract are anything. Information is incorrect and not vaild

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: DISCOVER BANK
State: FL
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:
I have tried for many months resolving a dispute with my Discover credit card for a charge for baggage from XXXX XXXX on XX/XX/XXXX in which I was not refunded for fees associated with baggage when I did not end up checking bags in and also for misleading me about charges and hiking up prices at the last minute due to glitches in their online XXXX website. Discover reps have been playing unprofessional and hard headed at not solving my claim. I was asked the usual stupid question by reps in claims department " if I had a letter from XXXX that stated the airline would refund my money ''. That is ridiculous of course not. The airline will try at all costs not to refund my money but Discover is not helping me at all and manipulating the dispute by not providing me any documents to support their decision and denying my claim just because they feel like it. Since XX/XX/XXXX I called and tried to get an update but nobody would talk to me and the dispute remains closed I was told. I wrote a letter advising them that if my dispute was not resolved professionally I would file numerous complaints to try to get a favorable answer. I have submitted lots of paperwork to support my claim. Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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:
PULLED MY CRETIT REPORT AND THERE IS INQUIRY THAT I DIDNT AUTHORIZED.WHICH ARE : XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/2023, 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 2023-03-21
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I want to make a complaint towards cash app. Everytime I open an account a day or two goes by and they send me something to verify my identity. I provide whatever information they are asking for, including linking MY bank account and debit card and they still shut my account down because they claim they can not verify my identity. I end up having to withdrawal my money and try and open another account. I completely understand then wanting to verify identity, that is a good thing, but once I verify it then they should leave me alone. I have contacted them and get no real response or reason why they continue to do this to me. I do not want 20 different cash apps opened in my name with my information floating around but they force me into opening.another account everytime they shut the one I am using down. This is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CCF Intermediate Holdings LLC
State: VA
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:
hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with XXXX XXXX XXXX XXXX bank. There is also a personal loan with XXXX XXXX. that took place in XX/XX/XXXX. XXXX there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXXXXXX XXXX that i need off. It was opened XX/XX/XXXX. There is also a debt buyer account that is {$500.00} past due on my XXXX report, from XXXX XXXX XXXX  ( first virginia ). I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Transunion are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-05-07
Company: ALLY FINANCIAL 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:
Ally financials used my credit in an improper way without my written permission. Ally financials obtained a credit validation application from XXXX dealership for the purposes of financing a XXXX XXXX XXXX. However, when properly reviewing the details of the application it states the applications was specific to XXXXXXXX XXXX XXXX no other entity 's. I have notified ally financial services of there wrongful actions to access my credit report and asked them to remove and to provide proof of the application signed by me with the permission for them to access my credit report. They are willingly refusing to provide me with this documentation.

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 2023-04-09
Company: EQUIFAX, INC.
State: AL
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
i'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX TX XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX phone number XXXX. 
XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were two credit checks that I did not authorize. 

XX/XX/XXXX from TransUnion for XXXX XXXX XXXX  XX/XX/XXXX from XXXX for 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 explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: KY
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:
On my credit report XXXX XXXX charged this account off XX/XX/2020 Now they are reporting it as 90 days late payment since the charge off. They just added all this late payments when I disputed this account last month. Therefore it seems to be retribution and I cant even contact XXXX  XXXX. They have sold the debt to a collection agency so Im not sure how they are reporting 90 day late payment after they charged the account off. Im trying to settle this account but they are making it extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They only gave me some credit not all and wont do anything else, even though the transaction that made my account negative plus their overdraft fees was unauthorized

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 2020-07-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello. My husband filed for bankruptcy which was discharged on XX/XX/XXXX. This was NOT a JOINT bankruptcy and our home was not included in the bankruptcy. My name was not included in this bankruptcy in any way, shape, or form. A mortgage servicing company called SPS Select Mortgage Servicing acquired our mortgage in the fall of XXXX. We had previously been with XXXX XXXX. When checking both of our credit reports, I noticed that our mortgage was not listed. I have contacted SPS and have receieved information from then that my husband did not have a reaffirmation agreement with them so this has not only affected his credit but my credit as well. I am co-owner of this property and I was not and am not included in this bankruptcy from 11 years ago. I have spoken with my attorney who advised me to file a complaint about this as this mortgage should be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation