BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown

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 2018-08-04
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was told I was putting {$200.00} as a down payment for a puppy to be shipped from XXXX XXXX. Upon asking for tracking information and flight information, the seller would not answer any of my communications. I politely asked him to send a refund through PayPal where the payment was transferred. He would not reply. 

You sent {$200.00} USD to XXXX XXXX Transaction Details Transaction ID : XXXX XX/XX/2018 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX The person spoke with my husband and his name is XXXX. The email states XXXX. He told me last night the puppy was checked and in good health and this morning when I asked what was taking so long for flight info, he said he had to take it to the vet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX : {$41000.00}.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2020-02-26
Company: EQUIFAX, INC.
State: SC
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 submitted a dispute to Equifax several times and they continue to validate and misreport an account on my credit report to other companies like XXXX  XXXX XXXX. I recently learned of this when trying to apply for a home. There is a collection account under XXXX XXXX XXXX on my report and it is categorized as a rental / collection ; naming or collecting for an original creditor of XXXX at XXXX XXXX XXXX. I provided the receipt documentation from XXXX at XXXX XXXX XXXX to Equifax and XXXX XXXX XXXX which clearly shows I have no balance due to the original creditor ad of XX/XX/2013. Therefore the report of account as it is, is highly inaccurate and misleading to users of my credit report and continues to creates financial harm to me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted NewRez multiple times and my last attempt was XX/XX/23. When I sign on to their website it doesnt show my loan. When I select the option to find my loan I receive the following information an error as occurred or unable to locate the account. I have tried using different web browsers and mobile apps and XXXX cant access my mortgage information and unable to pay. 
I spoke with a representative who advised its a known problem but the mortgage company failed to notice me. I have paperless statements so when I received notifications to view my mortgage statement online I dont have the option. The representative sent me a copy of my XXXX mortgage statement but I want to know why havent this been addressed?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting phone calls from a company claiming to be aargon collection agency using my fathers name. They keep harassing my phone number and call from different lines in Kentucky. When I call the number back they do not identify themselves nor want to provide contact information. They are very rude aggressive and unprofessional, I went on their website to submit an inquiry and they respond back without a signature line. When I asked for their information they mention that under federal regulations they are not allowed to provide that information. When I submitted an inquiry they mentioned MS . MALE NAME - they want to speak with a SHE but reference a male name which makes no sense.

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 2018-08-04
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my husband and I entered into a WI 128 amortization of debts. On XX/XX/XXXX a court order was entered stating that all debts are paid in full and satisfied. The creditor is continuing to report unpaid balances to the credit bureau which I assume is attributed to poor record keeping or illegally continuing to charge interest as the 128 plan prevented any more interest from accruing. I have disputed this through the credit bureaus 3 times and the creditor refuses to remove balances owed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: AMERICAN EXPRESS COMPANY
State: TX
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 balance transfer

Complaint:
I attempted to transfer a {$10000.00} balance from American Express to my XXXX XXXX  MasterCard. 
XXXX claims they sent an electronic check on XX/XX/2021. American Express claims they never received it. 

I am now stuck in the XXXX that is both banks think I owe them $ XXXX ( each, essentially doubling the debt I actually owe ) - with neither one of these financial companies actually trying to find out what happened to the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
OHIO DEPT OF HUMAN SERVICES XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-01-13
Company: Debt Recovery Solutions, LLC
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: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XX/XX/XXXX there were a total of 5 charges from XXXX XXXX XXXX XXXX Bank of America Credit card totalling {$340.00}. I went to the bank in person on XX/XX/XXXX to report the fraud, the branch associate and I spoke to the fraud department by phone and I was advised to begin a fraud claim using my banking app ( I did that while I was at the bank ). the charges were reversed initially, my card was cancelled and a new card issued. Then, On XX/XX/XXXX and XX/XX/XXXX on my replacement card, there were 4 more XXXX Trips charges totalling {$300.00}. I called to report this continued fraud, and BOA added a freeze for any future XXXX Trips charges, and these fraudulent charges were reversed. In the meantime, Bank of America ADDED BACK the XX/XX/XXXX and XX/XX/XXXX uber trips charges onto my credit card stating that the charges were reasonable and consistent with my use of XXXX Trips and my credit card. 

I filed a written appeal to be sure that all charges are removed from my card ( the XXXX charges and XXXX charges )- I sent proof of my whereabouts thanks to my state farm safe driver app - showing that I was driving myself around on the days in question - NOT using XXXX. I provided my XXXX trip history dating XX/XX/XXXX - present, which shows an average monthly use of about {$5.00}. Additionally, I have not even used XXXX since XX/XX/XXXX and none of the charges in question appear on my XXXX history. 

Upon their review, Bank of America NOW states that " while you personally didn't make the charges, we confirmed it was made by an authorized user on the account or someone who has permission to use the card. NO ONE uses my card, except for me, and NO ONE has permission to or is authorized to use my card except for me. They consider the case closed and say I have to pay the XXXX charges in full plus interest and or penalties if the account is not kept current ( I keep my account current ). the XXXX charges are still under review. I want to be sure they are considered in the request for assistance as well, as I fear the same outcome on that 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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XXXX, XXXX ( 4 yrs, 10 mos ) {$170.00} 08 XXXX XXXX XX/XX/XXXX ( 11 mos ) {$720.00} i have reached out to many companies resovling this issue due to information that is reporting to my credit and it is inaccurate i have addresses, accounts phone numbers that does not belong to me on there i have asked for them to be deleted and thhese companies has yet to do so i would like for these to be deleted from my report asap no later then 10 days from this letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX does not belong 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 non-monetary relief
Consumer complaint received 2021-11-18
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: Their investigation did not fix an error on your report

Complaint:
I disputed a account on my credit report and after the investigation the account was deleted. But then was reinserted, and know that it is illegal for them to do that. I would like it to be deleted and stay deleted.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
On XX/XX/XXXX at XXXX XXXX est a payment in the amount of {XXXX} was made to XXXX XXXX and I was hit with a 30 day late payment on 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 explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: VA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My brother and i have massive issue with our e-wallet provider Coinbase. Since XXXX weeks i try to contact the XXXX support team, but it 's unsuccessful. I try the support requests, i try to contact them in social media, i try to call them. Nothing, i never got any answers. Meanwhile we searching for XXXX that we had deposit via bank transfer. 

I do n't know what we should do now. Please, con you help me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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 Reporting act XXXX  Account XXXX XXXX # XXXX has Violated my rights 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not Furnish 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 2022-10-20
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is ALLY FINANCIAL which was opened XX/XX/2016 with a balance of {$700.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

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 2019-12-12
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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