BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is now attempt number ( 3 ) to have unverified entries on my credit report deleted as they have yet to be verified under FCRA law. After reviewing my credit report recently, I realized that I had number of entries reporting as closed that had never been verified as I do not accept responsibility. I have contacted CFPB twice now and the companies have yet to provide any written or physical documentation that demonstrates that these accounts are in fact mine. Under FCRA law, section 611 ( a ) ( 5 ) ( A ) ( i ), ANY item that can not be VERIFIED is required to be deleted or else this is a violation of my rights as stated to me by my attorney. I have submitted complaints on XX/XX/2020 & XX/XX/2020 respectfully with no proof being provided after investigations. I seek remedy or else I have no further action but to file suit for deformation. I only ask that these persistent and inaccurate/ unverified entries be deleted as they are negatively impacting my livelihood. 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
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : 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 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

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 2023-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
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: Account status incorrect

Complaint:
XXXX XXXX has reported 12 late payments to my account, on all 3 bureaus. I have never missed a payment and have made payments early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has used my SSN to open a XXXX XXXX XXXX in my name and I want this removed its fraud. I am also waiting to hear back from all credit bureaus

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 2022-11-17
Company: Experian Information Solutions 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:
Someone, who I believe to be named " XXXX '' ( her name, bills and employment history were on my credit reports ) applied for both XXXX and XXXX XXXX XXXX in my name through XXXX XXXX on three different occassions. On XX/XX/XXXX and XX/XX/XXXX, two separate XXXX XXXX inquiries appear on my credit report. On the XX/XX/XXXX XXXX credit inquiry, a very extensive credit check was done including my checking account info through XXXX XXXX, a XXXX XXXX XXXX XXXX  through XXXX  along with a XXXX XXXX XXXX  search which brought up a piece of real estate I own. On XX/XX/XXXX, a credit inquiry for XXXX XXXX also appears on my credit report. I have tried several times to have these three fraudulent application inquiries removed from the big three credit bureaus as they are not mine. All disputes have come back as verified. I was told to call XXXX Bank by XXXX of the bureas which I did XXXX, XXXX. After speaking to XXXX in the fraud department, I was made aware there were 2 XXXX applications performed on the XX/XX/XXXX inquiry date, 1 application approved for a prepaid card and the other was denied. She said she would immediately cancel the open prepaid account and then transferred me to XXXX XXXX XXXX '' in the underwriting ( I believe ) department. After spending almost 2 hours on the phone with XXXX Bank, XXXX gave me a separate claim number for all 4 credit inquiries as well as a single claim number for the 4 total. He told me it would take 60 days for the inquiries and supplemental information to be removed from my credit reports. This information still remains. I have received two separate letters from XXXX Bank stating the fraudulently opened prepaid XXXX card had been closed. I have since disputed these inquiries with the credit bureaus and they still come back as verified. Since the three Synchrony XXXX and XXXX inquiries remain on my credit reports, I called XXXX Bank again on XX/XX/XXXX. I didn't get the woman 's name but was told I would need to give them another 60 days for removal of the fraudulent inquiries.

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 2023-09-12
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo offered me a predatory credit card when I was only XXXX XXXX XXXX with very high interest rates and a very high credit limit. They intentionally mislead me and trapped me in debt for many 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 monetary relief
Consumer complaint received 2022-02-20
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XXXX XXXX, I initiated two fund account transfers to be transferred from my suntrust checking account to my XXXX  accounts. One for {$1000.00} and one for {$1500.00}. On XX/XX/XXXX, suntrust sent two emails stating that the fund transfers had been stopped. I did not see the email until Thursday, XX/XX/XXXX and made a call to the digital department. The representative said that she could not release the funds because she could not send me a code due to me changing phone numbers and I would have to go the branch. I went to the branch on the XXXX and after assistance with the branch officers, the male representative confirmed with me that I did initiate the transfers and he was releasing them back into my Suntrust account. He said it would be 3 - 5 business days. I have made several calls the following week to the the banking department, customer service and digital department for an update or status. One representative in the digital deparment told me on Thursday the XXXX that they were sent to XXXX  and advised her that they did not. I went back to the branch and spoke with the same branch officer and he expedited an escalation but still said it will be 24 to 48 hours, I even went to XXXX  on the XXXX to confirm. This is my paycheck and I am incurring late fees with my mortgage because I can not pay it due this problem and some other bills. I need my fun0 days later but now. I am concerned because now my XXXX  accounts that were set up for transfers are gone when the system was upgraded to truist along with evidence of my transfers pending. This is my fear that my money is limbo or in someone else account. This is going on two weeks and someone higher in the operations building may have to look into this. The name on my email is XXXX XXXX but my account is 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 2022-11-17
Company: CITIBANK, N.A.
State: NY
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:
The debt collector ( XXXX XXXX XXXX XXXX XXXX ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond. 
Also Citi bank charged my account XXXX $ without my authorization, the funds Citi bank took without my permission is also exempt.

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 2021-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am being charged for a loan from a school that doesnt exist, nor did I ever attend. I have contacted the original creditors and the address they have on file was for a school thats not at the address given, I was told that the school was shut down for fraudulent activities by staff members. On my credit report the dates that the loan was taken out are constantly being changed also its saying I made payments last year when I never have made a payment.Also when I initially contacted the original creditors there were dates of XXXX and XXXX and that couldnt be me because I was incarcerated at that time. I have never attended and college or university but yet on my credit report there are numerous loans and this is keeping me from building my credit because now I cant receive any credit.The credit bureaus said there is nothing they can do but how can u verify a debt from a school that doesnt exist. Ive disputed the accounts numerous times over a period of years with no resolution. These accounts are making it hard for me to live a conducive life because everything we do is tied to credit and I can not receive any credit because of these accounts Im about to start a family and its making things even harder I have been disputing these accounts for years with no resolve. My name was also part of an Equifax breach of information. All student loans reflecting on my account are fraudulent ( XXXX XXXX, US DEPT OF EDUCATION ) I have submitted an FTC report to the credit bureaus and original creditors with no resolve from this issue, please 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 non-monetary relief
Consumer complaint received 2022-02-20
Company: CURO Intermediate Holdings
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I got this email from Speedy Cash on XX/XX/2022 to my email address saying that I would be able to get a loan in the amount of {$5000.00} if I was approved and {$150.00} would be my payment that would be debited from account. So I called them inquiring because I was trying to get a loan so when I talked to the XXXX XXXX XXXX XXXX he asked me how much of a loan I was trying to get and I told him {$3000.00} and he told me that my payment would be {$91.00} a month and it would be debited from my account each month, so he sent over the application with the loan amount and how much would be debited from my account on the paperwork and asked me to sign the application and I did then he asked for my bank information and I gave it to him thinking this was a legitimate business and it turned out to be a scammer. Because he forged my name and deposited money into my account and into my mom 's account since we have a joint account, she is the rep payee for my account and now the bank think that I have defrauded them which I never did. The money was never in my hands and the bank have sent me papers in the mail saying that they put some checks on hold that was deposited into me and my mom 's account and then sent a check that this company sent to them made out to me in the amount of {$900.00} and my name is forged on the back. XXXX XXXX sent to my {$1500.00}, {$3000.00}, {$5000.00} and {$2500.00} and {$1500.00} and {$900.00} to my mom account I proof on my email of money that was sent to my bank account that was forged in my name that I never signed for. Speedy Cash needs to pay me for my hardship of having to go through this and losing my bank account and being accused of something I never did I think they need to pay me restitution and charges needs to be filed against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Westlake Services, LLC
State: IL
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 see inquiries reporting to my credit report that I do not recognize.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2022-02-19
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I sent a letter to equifax certified mail they received XX/XX/2022. In regards to a collection account XXXX XXXX  on my credit file.VIolations committed against me included by not limited too : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) : Furnishing certain deceptive forms ( you are not a party in the XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) : certifiable validation and verification of alleged debts XXXX XXXX XXXX XXXX ; unfair practices attempting XXXX on alleged debt XXXX XXXX XXXX XXXX ( XXXX ) : False representation XXXX not a party to alleged debt by my consent ). 
XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX distribution of communication with authorization or approval XXXX XXXX XXXX XXXX ( XXXX ) XXXX communication without prior consent, expressed permission XXXX XXXX XXXX XXXX ( XXXX ) : communication XXXX prior consent, expressed permission XXXX XXXX XXXX XXXX : harass and oppressive use of XXXX XXXX an alleged debt XXXX XXXX XXXX XXXX ( XXXX ) : attacking my reputation accusing me of owing an alleged debt XXXX XXXX XXXX XXXX ( XXXX ) : use of obscene and profane language on my reports saying i owe these alleged companies. 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Communicating false information XXXXInvasion of individual and family privacy XXXX XXXX : obtaining personal identification information without prior consent and creating an account in my name without my knowledge Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) states they have XXXX days to provide the procedure used to determine accuracy of account if XXXX asks for it failure to provide this information is violation of XXXX. XXXX deleted as they couldnt provide the proper documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: SECURITY FINANCE CORP
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:
I have reached out to the credit bureaus and creditor of these 2 accounts they are fraudulent and affecting me please remove these negative accounts as hey are fraudulent.

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 2022-10-21
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: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2021-05-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-02-21
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I attempted to contact the company in XXXX with no resolution. I sent identity theft reports to all XXXX credit bureaus. Police report remains on file with the XXXX XXXX XXXX XXXX. 
I have attempted to over & over to resolve this account which does not belong to me! I am the victim of identity theft & this account with ACIMA CREDIT need to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
When checking my credit report, I noticed a new credit card account : USAA Saving Bank. This account was fraudulently opened in my name. The account shows an address of XXXX XXXX XXXX XXXX. XXXX, CO. I've lived at my current location since XXXX. I did not open this account.

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