BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: CORELOGIC INC
State: GA
Product: Credit reporting 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 dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ga XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that

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 2023-05-09
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt of {$350.00} has been reported by XXXX Credit Bureau. They never contacted me until they reported the debt. I told them that I had paid the company already in form of security deposit. When I started renting I paid a security deposit of {$650.00}. While they actually owe me money, they instead reported a debt to my account. They told me that they will check, but they didnt. Please remove this false debt from my account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is my second dispute with the Credit Bureaus, the inquiries were taken off but the Account from XXXX Bank now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during XXXX 's XXXX XXXX. 
Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for XXXX XXXX  with a XXXX of {$7800.00}. 

I have never opened Nor Used XXXX XXXX  and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in North Carolina all my life.

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 2023-12-11
Company: WELLS FARGO & COMPANY
State: AZ
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:
I had fraud on my checking account where someone spent {$360.00} over multiple transactions. I submitted a fraud claim with Wells Fargo on XX/XX/XXXX and today XX/XX/XXXX I received a notification that they denied my fraud claim. I called and tried to appeal, but they said there was nothing they could do. The transactions were international from XXXX when I had just spent money in Arizona less than 2 hours before the 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 2023-08-30
Company: EQUIFAX, INC.
State: SC
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. 

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 2022-05-20
Company: CURO Intermediate Holdings
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 have contacted XXXX numerous times. There is an address on my report that is not mine from California. Ive actually gotten through to someone, they said it is removed, but its still there. I could never get a person again on the phone. Ive never even been to California. They also have a charge from a creditor from a AD Astra Recovery Services that does NOT belong to me. Now, they have reported that same one, thats isnt accurate again XXXX  XXXX my credit report. XXXX. Its not mine. So Im not sure how they are saying it is. They are sayings its from XXXX The same exact thing from the same exact company is stating there is XXXX from XXXX of XXXX Ive never dealt or talked to this company. Now there is multiple reports of the same company. Its outrageous. Ive called XXXX times, and literally can not speak to anyone. Was put on hold for hours. Then, I wrote letters, they never responded!!! Im sick dealing with them, and I need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Sir/Madam, I have an account with paypal for like nearly 10 years. Last XX/XX/XXXX I received an email from permanently limited for a potential risk. Which I am confused why would my account be a potential risk that the account doesnt have any transactions for the past 8 months. I called paypal 3 days ago to allow me to withdraw the funds for $ XXXX as their is no potential chargeback or whatsoever as their no transactions for the past 180 days. The customer service responded that it is their system that they hold the funds for 180 days even if is no transactions for like 8 months. How that abide their rules or policy stating on their email that they hold funds for 180 days for potential chargebacks which I do not have any payment received for the past 8 months. This is not fair holding the funds for 180 days without any valid reasons, it is just because their system default for holding 180 days even if their is no potential risk of having a financial recovery as the account doesnt received any payments for the past 8 months ( last transaction XXXX for {$78.00}. 

My paypal email is XXXX Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Last year I called Bank of American to apply for a credit card to make a balance transfer on another credit card. The bank representative told me he recommended adding a new credit line on a credit card I already had. He told me I would be a new credit line and I wouldn't be charged interest. I noticed they have been charging me interest on new purchases I've made since last year after he told me I wouldn't be charged interest until the year 2024. I explained the misunderstanding to the bank but they refuse to take action and fix things.

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 monetary relief
Consumer complaint received 2023-05-09
Company: BETHPAGE FEDERAL CREDIT UNION
State: NJ
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:
On XX/XX/23 I traded in a vehicle to a dealership who obtained a 10 day payoff. The payoff was mailed in and arrived and posted to the account on XX/XX/23 in the amount of XXXX. The regular payment of XXXX was due XX/XX/23 and after XX/XX/23 a 10 day XXXX dollar late fee was added. The amount received and posted by Bethpage FCU XXXX on XX/XX/23 was approximately XXXX dollars short of the payoff due to the late fee and the extra days until the check posted. I had contacted Bethpage FCU XXXX XXXX XXXX XXXX XXXX NY XXXX, numerous times during the entire time to check on the payment. The dealership did send the extra XXXX dollars and the account was fully closed and paid in full. 5 years early. I understand the payment was 13 days late and the late fee was paid. Bethpage reported the payment as 30 days late to XXXX and it lowered my XXXX score substantially. I have tried to resolve this with Bethpage and recently XXXX has tried. Bethpage feels the payment was 30 days late, I disagree I believe the check posted 13 days after the payment due date should represent a payment, its unfortunate the mail was delayed or the mailroom at Bethpage posted the check 13 days after the payment due date never 30 days late. Thanks for you help!

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 never updates my credit reports to reflect proper information. They also have refused to lower my extremely high interest rate and don't base my credit line on proper info like my salary which is well into the XXXX figures or XXXX XXXX. My score is XXXX and yet I have an interest rate based on high risk. I'm not. I've never missed a payment in 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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 2022-02-07
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received an email from a guy named XXXX XXXX, that read, We're TrueAccord, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 
Our information shows : Hello, XXXX XXXX. You have an account with XXXX XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX account ) with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I ask them to stop emailing me and I wanted to dispute this debt of 10 years, ago so, mail a physical letter to my home, as I want to dispute it. Instead I got another email, this time from XXXX XXXX, that read, XXXX XXXX XXXX XXXX XXXX placed this outstanding balance with us for collections Hi XXXX, We want to work with you. You have multiple options to resolve this balance of {$1400.00}. 

I replied to her with the same comments I sent XXXX XXXX and informed her, I would be filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reinvestigated my credit report, I realized that some of the information was still erroneous. I've complained about this matter in my previous letter It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$8900.00}

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 2022-02-07
Company: NAVY FEDERAL CREDIT UNION
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:
UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXX XXXX XXXX - XX/XX/XXXX Could Not Contact Navy FCU - XX/XX/XXXX Could Not Contact XXXX XXXX XXXX - XX/XX/XXXX Could Not Contact XXXX XXXX  - XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Adler Wallach & Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I SENT A MAIL ASKING FOR VALIDATION OF THE DEBT THEY CLAIMED I OWE DATED XX/XX/XXXX, THEN ANOTHER ONE ON XX/XX/XXXX. BECAUSE OF NO RESPOND I FOLLOW UP ANOTHER LETTER DATED XX/XX/XXXX. I HAVE BEEN TRYING TO REACH OUT TO THEM AND ASK FOR A PROPER VALIDATION OF THE DEBT FOR {$310.00}. THEY NEVER RESPONDED TO ME. HOW CAN THEY VERIFY THE ACCOUNT TO THE BUREAUS IF THEY CAN'T VALIDATE THE ACCOUNT WHEN I ASKED THEM TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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 information incorrect

Complaint:
I have contacted XXXX XXXX XXXX XXXXXXXX, XXXX, AND TRANSUNION in regards to account name : XXXX XXXX XXXX account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were XXXX errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with TRANSUNION, XXXX, AND XXXX are showing inaccurate and differently. I have attached to this dispute my credit report with the XXXX above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit reports with XXXX, TRANSUNION, and XXXX I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit files and credit reports immediately. 
15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable 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 non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX account 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 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 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-31
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 information incorrect

Complaint:
hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.

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 2023-08-18
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: Information belongs to someone else

Complaint:
TransUnion, Please see attached - I was a victim of identity theft and theres fraud on my credit report that needs to be fixed as soon as possible.

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 2023-08-30
Company: EQUIFAX, INC.
State: DC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief