BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I was subject to fraud when I received a text message that was very similar to previous fraud alert texts from Wells Fargo, stating that someone was trying to XXXX {$3500.00} from my account and asking if it was me. I called the phone number provided and the scammer said everything the same way a Wells Fargo customer service representative would have ( I would know as my debit card was compromised and needed to be cancelled and I was sent a new one a few weeks prior to this ). 
The scammer was able to obtain my information well enough to process a XXXX transaction of {$3500.00} to be withdrawn from my personal checking account. It was not until the call dropped and I tried to call back without success that I realized I had been scammed. 
I then immediately called Wells Fargo and presented to the nearest branch to discuss the issue. The XXXX withdraw was already processed and the {$3500.00} was removed from my account. I was given a investigation claim number, and was told my account needed to be closed and that I would need to reopen a new one, which I did. I was then told it would take 7-10 business days for me to hear a decision from their investigation. 
I received a letter in the mail dated from XX/XX/2023. This letter was sent no more than 2 business days after my claim was filed ( XX/XX/XXXX was a bank holiday ). The letter stated that the investigation was complete, " the transaction was made through a secure online banking session by you or someone who had your authority and no other processing errors occurred. Based on this information, we determined the transaction was authorized. We have closed your claim ''. 
This transaction was NOT authorized, and the company did not even have the decency to open up the conversation further or offer a way to appeal their decision. I know other companies such as XXXX will assess the IP address the " secure online banking session '' occurred from in order to investigate whether it is even anywhere near me, I doubt they did this. 
I have been a customer of Wells Fargo and XXXX for many years. I am now in further debt thanks to their unwillingness to help. I am a small business owner and can not afford events like this. There is a statement made by the CFPB that states if a consumer is fraudulently induced by a third party into sharing account access information that the consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking access device, but apparently Wells Fargo and XXXX do not see it this way.

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 2023-07-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have some late payments reported on my credit report that are still open and current this was not authorized by under law. I also noticed 4 hard inquiries that have not been removed within the two year timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$230.00} I believe it was reported in error.

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 2022-11-23
Company: Consolidated Management Group, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, XXXX credit card by Continental XXXX is trying to make me pay {$590.00} after closing my account against my will and then reopening it after attempting to enroll in XXXX XXXX  XXXX and unemployment related disaster impact. Their terms and conditions state that I do not have to pay an annual fee and interest will not be billed to my account. However, this debt continues to accumulate and Ive made several daily effort and attempts to reconcile this dispute.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-03
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: Account status incorrect

Complaint:
Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$710.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1500.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX If account was charged off, the negative history should not be reported.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting and XXXX XXXX account ending with # XXXX, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer 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 non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and iquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  UNI Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  TECH Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Validate Account US XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX OF XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account AM XXXX FIN Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 2023-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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: Experian Information Solutions 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 am a victim of identity theft. A XXXX XXXX XXXX XXXX  has been impersonating me. on XX/XX/2022 ( XXXX ), she took unauthorized photos of my son XXXX XXXX XXXX and posting them on XXXX. She has been pretending to be me for years. XXXX XXXX XXXXXXXX XXXX is a dangerous individual, scammer, impersonator.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2022-11-18
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Please see attached scanned forms that will outline the full situation. 


Background : On XX/XX/XXXX ( XX/XX/XXXX ), airline tickets relating to XXXX Trip were purchased on XXXX amount totaling in {$720.00}, these included 2 adult tickets and 2 child tickets ( XXXX XXXX to XXXX XXXX ). In addition, on XX/XX/XXXX ( XX/XX/XXXX ) there was 4 additional airline tickets purchased in the amount of {$590.00} each or {$2300.00} total XXXX XXXX XXXX to XXXX airport ). The total loss that my credit card company ( TD XXXX XXXX  ) denied equaled in the amount of {$3100.00} ( XXXX ). Now, due to the war outbreak between XXXX & XXXX, it was in the best interest of my family to get these tickets refunded as we know XXXX is located in XXXX which is also where XXXX and XXXX are located, it was an unsafe environment to place my family there and would be foolish to do so. Upon contacting the original company ( XXXX ), and even my credit card company with additional efforts since, were unsuccessful, even though " flexible '' option on the airline tickets were purchased. Each attempt at contact has been given run arounds with no resolution in sight. 

The TD Bank case numbers that were opened for Fraud/Return of money include : XXXX XXXX I am looking for a fair and swift resolution to refund the amount of {$3100.00} because this would be the just option for an American citizen, looking to receive only the amount I have been unsuccessful in returning to my account from both the vendor ( XXXX  ) as well as my credit card company ( TD VISA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
There has been fraudulent activity with my social security number. Equifax should be the first to recognize this. There are inquiries that have been disputed and they remain. They are clearly fraudulent and need to be removed. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
all XXXX credit bureaus are reporting a charged off XXXX account XXXX ..i have challenged the 100 % accurate reporting of this account as required by law with all XXXX credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about XXXX times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment transunion- XX/XX/XXXX experian- XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX - experian - XXXX XX/XX/XXXX -- -- -on the 2 year history they are also XXXX XX/XX/XXXX high credit transunion- {$580.00} XXXX {$0.00} XXXX {$580.00} comments XXXX- Charged off as bad debt Purchased by another lender experian- Purchased XXXX a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Account transferred or sold Charged off 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 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Bank of America denied my application for a used car loan under XXXX in XXXX, XXXX. Stating I did not meet the qualifications per my credit report. I reviewed all 3 credit reports and did not see an inquire from Bank of America. Bank of American has a history of pulling wrong credit information and depositing funds into the wrong checking accounts for me. I no longer bank at Bank of America because of their past history of mishandling of my accounts. My credit score is has been good/ to excellent consistently over ( 800 ). My earning to debt ratio is good. 

Bank of America stated the decision was based of my credit report from XXXX, no record of an inquire on my XXXX Credit Report. I was able to obtain a loan for another bank. 

The interest rate at Bank of American would have been less. What options do I have, I feel I was mislead and given inaccurate information from Bank of America. They never pulled my credit report, I do not pose a high lending risk. 

Thank you 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 2022-10-14
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-08-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
{$600.00} of purchases from XXXX were bought on my XXXX card. But when I got a Pay Pal bill, via Synchronomy bank, I had also been charged by them. After a number of calls, a bank officer, very nice lady, called me and said they had foundf the mistake and would re-imburse me. She advised a cfredit of {$250.00} would appear on my next bill. I asked about the rest, and waas informed thesir company polic was {$250.00} max per reimbursment, but t hat t h e rest would be forthcoming. that was in XXXX. I have sent letters to e v ery address I discivered, and can't even get a call back or message of any sort. The amount may serem small, but I'm a partialy XXXX XXXX XXXX XXXX living on SS and a {$280.00} pension -- -it means a bit to me.

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 2023-10-04
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
At one point I signed up for PayPal Credit, but never used it. I cancelled this service, but later found it had been hacked resulting in fraudulent charges which went unpaid. 

Apparently my cancelling the credit account was never completed and there continued to be fraudulent charges made. I only figured this out when I noticed my credit score was plummeting. 

The whole problem with the PayPal Credit account has been resolved, however my credit score has not recovered. 

This bothers me immensely due to the fact I am always current on the few bills I have and my credit score has been between XXXX - XXXX or so. 

My question is, can I get the PayPal problem expunged and restore my credit score? 

Thanks for your help, 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 2023-02-19
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:
My name is XXXX 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 explanation