BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX XXXX  ACCT # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-07-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian unwilling to fix credit. There are multiple mistakes, they would only fix two that were obvious duplicates.

There are others. For example, are three entries All initiated by XXXX by the same dealer for the same loan on the same car. I was told since the names are different that they would do nothing about it. 
Each of these multiple hard inquiries affect my score. Despite the fact that there is supposed to be a freeze on this account. Despite the company stating that they are not affecting my score, the institutions that I try to work with have said I was denied due to excessive inquiries ... Which should not have been able to take place because of the freeze. I Have always had Excellent scores. XXXX  only shows me with three inquiries. It seems hard to believe that one company can say 16 and another say 3. I am feel Experian is slandering my history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: National Credit Systems,Inc.
State: NC
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 received an alert on my credit report showing that an unpaid balance of rent was owed to an apartment complex by the name of XXXX XXXX XXXX..I called the complex and tried to explain that I never lived there..They are not even under the name XXXX XXXX I ask them to send me proof of who they had listed under my name they kept giving me the run around and could never show proof that the apartment belong to me do I called the credit company that it had been reported to and spoke with a gentlemen several times trying to explain he was not listening to me at all and was determined that I was responsible I even tried to ask how much of this debt I could pay to get it off my credit and he was not willing to negotiate he threatened to take legal action and I have challenged this over and over and still cant come to any resolve. The company that has this false debt is National Credit System located some where in XXXX GA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My Bluebird account with American Express is locked and I am unable to contact customer service to unlock it. I tried to log into my account online to change my PIN number, but I am getting a message the account is locked. When I tried to contact customer service to unlock it, I was unable to reach anybody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to link my bank account directly to a charity to save them some fees on XX/XX/2020, and PNC will not allow the connection to be made. I also utilize a savings service app that can not to connect to my bank account multiple times a week, even though it's a service I pay to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted disputes and FTC reports for these fraudulent accounts. They have not been deleted. 

XXXX - XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$1400.00} Transunion - XXXX XXXX XXXX {$690.00} XXXX XXXX {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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: Account information incorrect

Complaint:
I purchased a XXXX XXXX XXXX XXXX  that was financed through XXXX XXXX XXXX XXXX XXXX in the amount of {$15000.00} in XX/XX/XXXX and the account was paid in full on XX/XX/XXXX. The bank has reported the account paid in full to Transunion and I have filed multiple disputes and sent proof to Transunion multiple times including a letter with a {$0.00} balance on company letterhead to Transunion. I want the account to reflect the account is closed and paid in full. Transunion continues to say it is verified as accurate with the last payment being made in early XXXX with a balance of {$14000.00}. XXXX and XXXX both have the information reported correctly, but Transunion has refused to update my report with the correct information and I have been dealing with this for more than a year now and would like a resolution. Thanks in advance.

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 2020-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I checked my credit report, and saw an account for XXXX XXXX in the amount of {$300.00}. At the time the account became delinquent, a house fire caused me to eventually become homeless. Because I didn't have any renters insurance, lost everything. XXXX set in and eventually, I lost my job. I was living from one family member to another for a few years working side gigs.

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 2020-09-07
Company: EQUIFAX, 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:
I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are a few accounts in negative standing appearing on my credit history. The accounts are from these companies ; XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with those companies nor am I affiliated to them in any way. I don't know who is responsible for those accounts but I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
During the pandemic I was receiving unemployment issued through Bank of America. There were weekly deposits of {$1000.00} that were to be added to my prepaid card account. Upon looking at records Bank of America withheld {$1000.00} without authorizing or notifying me of any reason. I was never given that money and I never filed a complaint due to current circumstances.

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 2021-09-01
Company: Medical Data Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Medical revenue service called around XXXX today XX/XX/2021 I was told I work and my wife needs to learn to pay bills because she is a debt collector as well. I ended the call with the person on phone as I felt threatening by this person who is calling me from Florida did not I'd who they are did not give mini Miranda nothing. I called my wife she called them they got angry with her she told them do not call me or her again as they have not sent any letters to our home justifying who they are. What can be done bout this harassment and threats.

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 2020-11-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo partners with XXXX which Ive place a deposit in the amount of {$500.00} before I picked up, through them for a puppy i was planned to purchase. I discovered within less than 8 hours it was fraudulent and a scam. Called the bank immediately, they refused to reverse the payment/deposit I had made. Ive already contacted my local PD and FBI. MADE complains against Wells Fargo and XXXX to XXXX. Im determined to get my hard work money back, even if i have to proceed legally.

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 2017-08-11
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:
I have a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the paymentXX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX XXXX and Experian In conclusion i was just HUNG up on while waiting to make a payment.
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 2020-01-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX TRANSFER REFUND ( not processed, now XXXX  months later ). 

The issue started when on Tuesday XX/XX/2019 ( XXXX ), I sent {$1100.00} from XXXX VA to XXXX XXXX The recipient had given me an erroneous name ( or perhaps an incomplete name ), which did not allow him to collect the money. 

It does appear as if I fell for a scam, but nonetheless, the money was NOT collected, and so I requested a refund/return to me the original sender. 

My account is verified with MONEYGRAM, with my State Driver 's I.D., and so the fact that I am the owner of the money that I sent is confirmed and established. 

On several opportunities ( beginning XX/XX/2019, and through to XX/XX/2019 ) after going back to the location -- XXXX XXXX, XXXX XXXX XXXX, XXXX  VA-XXXX  / XXXX -- where I sent the money, I got in touch with MONEYGRAM Minnesota Headquarters / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MN-XXXX  [ XXXX ], and convinced them that the sender was not in receipt of the funds ( which they confirmed ) and I was requesting a full refund ( minus transfer fees ), of my principal transfer sum. The MONEYGRAM HQ gave me a new reference number with a refund Reference number, to send the money back to me. 
However, neither XXXX nor MONEYGRAM HeadQuarters have in fact refunded me the money since then, nor have they presented me with a solution and have in fact avoided giving me a clear resolution. They have stated that the transaction seems suspicious which I have not denied being that the recipient was seemingly using a false name, but I am a real person who sent real money and confirmed with a real State-Issued driver 's license. So the fact that I am the owner of the funds I sent is very verifiable. The money is still there. 
They have refused to honor the return Reference number, and so I am writing to request your support in recouping this money, and returning it to me it's rightful owner. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: NJ
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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 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.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
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:
select portfolio servicing mortgage has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this select portfolio services and it has negatively effected my credit score i want this removed

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