BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX  balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with XXXX/XXXX, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DELETE HARD 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 explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 not received anything that validates the alleged debt is mine. I need to see the original contract with my signature and the signature of the person I owe alleged debt to. I need to know who owns the alleged debt as well as their address. According to 15 U.S. Code 1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Therefore if the above information is not provided the alleged debt is not validated and according to 15 U.S. Code 1692g ( b ) all collection efforts shall be ceased.

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Upon noticing that an account XXXX acct # XXXX was being erroneously reported as derogatory, I contacted all three credit bureaus. I also sent letters and emails to XXXX 
Since this derogatory account could not be validated or verified, XXXX  and XXXX  deleted said account. However, Transunion has refused to do so despite not having proof of validation and being unable to provide validation.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

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 2023-05-14
Company: EQUIFAX, INC.
State: SC
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 XXXXXXXX XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
USAA is NOT a company with whom one should obtain a credit card due to arbitrary and unfair clauses in their credit card agreement. 

I made a payment for {$11000.00} on XXXX XXXX, which USAA shows as paid on that date, however, USAA refuses to update the available credit until XX/XX/2021 even though the payment has cleared the U.S. domestic checking account upon which it was written. USAA has subsequently sent me notifications that I must make a payment in order to continue to use the card and also denied charges. If I make payments and you refuse to credit them, what else can I do, USAA?? 

The credit card agreement states that payments received by XXXX will be credited the date of payment if they are drawn on a XXXX XXXX or within 5 days if they do not meet that requirement, however, it then caveats they reserve the right to withhold credit availability on any payment. The inclusion of the clause 'We reserve the right to withhold credit availability on any payment. '' allows USAA to create arbitrary and unreasonable reasons to withhold posting payments and updating available credit to the detriment of the consumer even when evidence demonstrates valid payment. 

I reached out to customer service where a lengthy phone call could not resolve the issue, their executive resolution team could not resolve the issue and I was finally referred to the office of the CEO to obtain the name of the CFPB to file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, I opened an account in Citibank on XX/XX/2021 and it was closed on XX/XX/2021 allegedly due to fraud. 

I talked to their customer service phone around XX/XX/XXXX so I could clear this out as I lost access to my account on their website and they said account received 2 checks that were fradulent one for XXXXUSD and the next for XXXXUSD and that was the reason for the closure. But if a check is not valid or fraud, why would they cash them in to my account or even accept them? It was pretty weird as the checks were completely legal. My partner 's brother send them from XXXX XXXX. 

We spoke to a brank manager on XXXX XXXX bank so we could get more info on the checks, to see if they were marked as stolen or something, but they told us the checks were completly fine. 

After knowing this, decided to give Citibank a new call. This time they told me that the incoming wire transfers from XXXX ( XXXX, their own company ) were also a red flag for their fraud department and the account was marked a fraudulent in general. This was ironic as I had made around 15 transfer to this account and didn't get any sort of warning or problem, at all. 

Made a third call. This time I spoke to a new person that told me that the Citibank fraud department may take up to 60 days for a final verdict and they had around 3 days left. The girl told me to make a new call later to check again on any updates and that I most likely could be getting my check for XXXXUSD any time now. Also confirmed that Citibank won't keep any of my money. This kind of gave me a sensation of relief as I might be getting the remaining balance on my account back as soon as possible. 

Called again 3 days later. This time a man told me they won't give me any of my money. He explained to me that when a bank account is marked as fraudulent, they retain the funds indefinitely but also didn't tell me what to do next. 

Tried calling once more just to double check on what I was told last time. But they told me the same. 

I went to citi to try to talk to someone about this matter, there I tried to open a business account but they never confirmed anything. There they told me that this can only be resolved by phone since it corresponds to their fraud department, they made calls to their supervisors but they only confirmed what they had already mentioned to me. 

I need my money back. The account was opened with all the requirements they asked, valid ID, valid US address and my SSN. 

I can give proof of the incoming money so you can check it is completely not fraudulent, as they claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My ex spouse XXXX XXXX XXXX fraudulently used my name ( XXXX XXXX XXXX against the divorce decree order as a joint account holder for XXXX XXXX I have court docs to prove signed by a judge ... stating that I XXXX XXXX AM NOT LEGALLY RESPONSIBLE FOR PAYING THE MORTGAGE THAT INITIALLY STARTED WITH XXXX XXXX. AND THEN REFINANCED SEVERAL TIMES.. NOW THE EXISTING MORTGAGE HOLDER IS XXXX XXXX XXXX.. I HAVE THE COURT LEGAL DOCS TO STATE THAT IT'S HER FINANCIAL RESPONSIBILITY TO PAY THE MORTGAGE 100 %.. PLEASE IMMEDIATELY TAKE MY NAME OFF OF THIS MORTGAGE.. AND EXPUNGE THIS RECORD FROM CREDIT REPORT WITH XXXX AND TRANSUNION CREDIT XXXX 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 non-monetary relief
Consumer complaint received 2020-01-01
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company is not disclosing the pay off if I want to pay it off early. After researching I'm finding this is a tactic of tribal lenders since they are getting you for +600 % interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: MN
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've sent three letter about inaccurate information on my credit report and them having information without my DIRECT CONSENT! They're not verifying any information and violating my consumer rights! 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

This is not a regular dispute. Take action immediately you are in violation. 
Despite two written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
15 USC 1692C ( a ) I didnt give my direct consent for Equifax ( privately held company ) to furnish information or obtain my social security, DOB , or address on the accounts referenced below. Under federal laws, this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called my bank, Bank of America on XX/XX/XXXX after a man named XXXX had me deposit a money order for {$990.00} at the ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was at XXXX and I was taking out {$100.00} for myself when he approached me. I was the only person in the ATM and felt intimidated and nervous so I felt pressured and like I had no choice but to help him for my own safety. When I received the printed receipt from the ATM, it said there is an available balance of {$680.00}. So I transferred the money ( {$680.00} ) via XXXX to him. Once I got home, I had a feeling it was a scam so I called Bank of America on XXXX XXXX and was told that I had to wait for both the money order deposit and XXXX transfer to be processed ( both were still pending ) before he could look into the money order as fraud and the XXXX transfer as a scam. 

Once both finally processed, I called my bank again on XXXX XXXX as there was a credit chargeback for the same money order of {$990.00} which confirmed it was a fraudulent check. When I got hold of a representative, he also told me it was a fraudulent check hence the chargeback. He said it wont negatively affect my account but filed a complaint on my behalf as he told me that the previous representative who I spoke to on XXXX XXXX should have filed a fraud claim anyway despite the pending deposit. I let this representative know that I also wanted a refund for the {$680.00} XXXX transfer and he connected me with the XXXX sector of customer service. I waited on the phone for nearly 2 hours before someone finally connected me, where I explained all of the above. 

The representative told me it would take 10 business days for their researcher to investigate the case and up to 45 days for them to mail me the results. They also said *IF* I get a refund, as they said theres no guarantee Ill get my {$680.00} back despite there being physical proof ( I still have the receipt ) that the money I XXXX XXXX was the balance of a fraudulent money order. I tried to request the money back from XXXX XXXX XXXX on XX/XX/16 but with no luck. Im writing as today is XXXX XXXX and I received an update from Bank of America on this case on XX/XX/XXXX : Weve completed our review and are unable to approve your recent claim. Our records indicate that we completed the transfer ( s ) according to the instructions you provided us, and therefore no error occurred. Based on this, your account wont be credited. So even though I was scammed, my bank still can not provide me with a refund, hence why Im making this claim.

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 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a credit freeze on my file and needed to thaw the report to refinance a PLUS loan. While the thaw worked refreezing my report has been an absolute nightmare. 

What could once be done in an online form in 5 minutes took an hour long phone call. I got routed to a call center in XXXX, stuck on the phone for nearly an hour, only to find out that they couldn't freeze the report because they " were working to give me the best possible experience. '' I was directed to download their app for my smartphone, which I've done. 

Here I am, over a month later, and I'm still not able to refreeze my report using their XXXX app, their web site, or calling them. If this is how these clowns are allowed to run something as important as credit reporting no wonder this happens so often. Considering how important credit is to Americans, this is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I went to wells Fgo bank XX/XX/2008 to ask for a notification to my XXXX, Mn property. The rep at Fgo, XXXX XXXX said I had to be default in my mortgage payments 2 months before I would qualify for my modification. During that time I was XXXX from a XXXX and had to spend time in XXXX for my XXXX. The bank knew where I was and was not handed forecloses papers. My home was on the market with XXXX XXXX realtor close to being sold. I bought a home in XXXX, Mn borrowing from Wells Fargo XXXX XXXX in them knowing I would use my XXXX, Mn sale to transfer to my new home in Mn. I put over XXXX down payment to my XXXX property thinking it would be a good investment with my 401k after a XXXX XXXX that ended in a XXXX. Wells Fargo winterized my home on XXXX XXXX without my knowledge or notifying my realtor. I had a shared well with my neighbor XXXX XXXX. When winterizing the home the water was shut off to my home and my neighbors home. My neighbor had XXXX plumbing turn back on the water supply to my neighbor and which my house flooded. Wells Fargo knew I had a shared well and took no steps to secure the property winterizing it properly. My home was forced off the market and inhabitable. Wells Fargo would not let my insurance XXXX XXXX enter my home for 5 months to get a estimate that was a total loss. The story is lengthy and I have all the documents to prove that wells Fgo has forced my home to be in a wrongful forecloser and forced into a forced placed insurance that has cost me everything I own. Sincerely, 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
This account needs to be removed off my report XXXX XXXX opened XX/XX/2015. In accordance with the fair credit reporting act my rights have been violated as a consumer pursuant to USC 15 1681a ( 1 ). Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. This does not comply with the FCRA ( Fair Credit Reporting Act ) and if it is not removed I will have my information removed from the database and no longer do business with any financial institution that uses your company to receive my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized and fraudulent inquiries made to my report and I believe I am a victim of identity theft and these inquiries have fraudulently been made to my credit and needs to be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief