BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-01-18
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-02-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX RE : Investigation Request to Delete Credit Inquires To Whom it May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to challenge questionable information that I have found on my personal credit report. It has come to my attention that you have REAGED an account. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX REAGING I am allowing you 30 days to complete this investigation and remove this account from my profile. XXXX took it upon themselves to delete this problematic account from my history without me asking so now I know you should be able to do it too. If this account is not removed, I will be reporting Experian and XXXX XXXX for illegally aging an account that was previously set to close on XX/XX/2025 to the Federal Trade Commission and Attorney General. 

Truly, 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 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went on Experian for my credit score. Without my knowledge or consent they charged me for Experian CreditWorks Premium. I never even got an email confirming this. 
The only way I knew about it was from a charge to my bank, through XXXX. I have contacted both XXXX and Experian, was told I would be getting a refund. I have not received a refund from Experian, and the refund that XXXX gave me they took back, saying Experian has already refunded through my Credit Card on file, they did not have a CC on file. I can not reach anyone by phone at Experian, yet the email requests I have sent are returned with " We already refunded it ''. Which they have not, I have checked my bank account several times, running a search. I would love if you could help me with this dilemma. 
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 2023-10-07
Company: Experian Information Solutions Inc.
State: TN
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:
I am so happy that the XXXX and XXXX Credit Bureaus have removed all the fraudulent inquiries I requested them to remove. The Experian have removed some fraudulent inquiries but there were still three more that I needed the Experian to remove. I once more request the Experian to please REMOVE these listed inquiries from my Experian Credit Report : EXPERIAN : XXXX XXXX XX/XX/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 2021-03-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity theft please remove this fraud inquiry 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 2022-05-04
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed into sending a deposit for a dachshund puppy by Paypal friends & family. The scammer did not show up at the meeting location and time and stopped responding to attempts to contact them after receipt of the deposit. I tried to file a dispute with PayPal & later found out from Paypal that I had no buyer protection for this transaction. I sent {$100.00} on XX/XX/2022 and another {$100.00} supposed to cover vet visit and microchipping on XX/XX/2022. we were supposed to meet Saturday XX/XX/2022 at XXXX at a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NC XXXX XXXX My husband and I drove XXXX XXXX mon each way. email address for payment was XXXX and XXXX XXXX was the person posting on XXXX XXXX that she had said puppies for adoption.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family was going through a hardship and we had a mortgage with Wells Fargo. I contacted Wells Fargo and they had me submit numerous documents and letters explaining the hardship. They offered us monthly payments I believe of {$2100.00} instead of XXXX for only one year and they wanted us to contact them to negotiate a modification I did so and paid my 12 months timely when the time was up I contacted Wells Fargo and they told me there was nothing they could do did not even work with us. The Home went into a short sale for closure. The hardship became worse when we had no home and XXXX little children. I will never bank with Wells Fargo again.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a dispute with Transunion XXXX/XXXXXXXX and the company is failing to honor the identity theft account under the 605B which is a FCRA violation. The other two credit bureaus have already removed the 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 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
In XX/XX/2021 I deposited a money order in the amount of {$490.00} into my business account at Navy Federal Credit Union in XXXX, SC. XX/XX/2021, I received a letter from navy federal saying my money order was returned. I then called XXXX XXXX to see what the problem was. XXXX XXXX told me my money order was cashed because I deposited into my account already. I was charged an overdraft fee because of it as well. Navy federal keeps responding with refer to make and when I do nothing is being done. I am getting very frustrated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2021-03-11
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:
On XX/XX/XXXX I sent in a request to have items I believed to be fraudulent removed from my Experian credit report. All inquiries that extend from XX/XX/XXXX through XXXX Since I had not seen any activity, I contacted them to today XX/XX/XXXX and I spoke with a fraud specialist. I explained that I had not authorized these inquiries and that I would like to have them removed. He responded by saying that all the inquiries were a result of my auto finance loan that I opened. And that they were attached to my financing loan account. I explained that I contacted the finance company directly, to be approved for the loan that I currently have with them, and that it made no sense that they would have sought out other financing options with other companies if they were the ones extending me financing options. He insisted that my finance company sought out to search for financing for my auto loan which is absurd. They did not have my permission to do so, they only had permission to seek financing through their company, and to date I do not know of any financing company that would seek to get you financed with someone else. So I am filing this complaint to see if I can get this issue resolved.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: NY
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  Account XXXX/Dept of Ed # 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 2022-04-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX I opened an account with Chase ( Checking ). The account was then closed after I deposited Bank Checks from XXXX. 
Since then I have called many many times. Been given instructions such as prove who you are. Get XXXX to verify they sent the checks and Go to a branch and bring them your license. I have done all of these things. I now owe the IRS money and chase remains steadfast on keeping my funds ( primarily an award from the XXXX fund for being a volunteer at ground zero. Which I proved to them.

I recently called and requested my irs statement for the money they are holding. They said XXXX wont verify the checks. I had chase a typical 3 hour wait for assistance and XXXX on the phone together. XXXX refused to verify the check because they are bank checks. 
They have my funds and are paying me no interest on it since XX/XX/XXXX. 

I complained to the state banking dept, had lawyers call. And the best response I get is. I have to SUE THEM FOR MY MONEY., if you can not help I guess I have no choice. But why? If the money was stolen someone would have reclaimed it by now. I asked them to send it back to XXXX if they dont want it. They refused. Why shouldnt I get the same interest irs gets from me for filing late? 
Anyway please help me. 

Ss XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX  XXXX XXXX and was financed by Wells Fargo. When the vehicle got totaled the XXXX  coverage was never applied. Which resulted in getting put into collections. I made multiple calls, attempts and sent the XXXX  coverage paperwork even the dealership that I purchased the vehicle from did as well. 
Nobody could understand what I meant and always seemed confused. I explained over and over again that the {$500.00} i was charged off for was the negative equity but shouldnt be on my report due to me having gap coverage and should be covered they refused time and time again. Instead they sent my information to all 3 credit bureaus at that time when I tried to get a another vehicle and couldnt because they put me as late and into collections. I needed to pay almost XXXX % interest because of their error and needed to wait 7 years for the false information to be removed. Im entitled to the compensation from their negligence during this matter costing me thousands just in interest alone let alone everything else ( calling, complaining, disputing and getting no where and waiting 7 years for the false information to be taken off my 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 explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: FL
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:
As a consumer and natural person am a victim of identity theft. XXXX, XXXX, Experian have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, XXXX, and Experian are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXXXX/XX/XXXX XXXX XXXX AV XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$XXXX} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XX/XX/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