BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-30
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2018-12-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started to receive notices in the mail for a charge off credit account from Synchrony XXXX or Synchrony Guitar Center. I have never had a credit card account from Synchrony this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit

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 2018-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been working with XXXX XXXX XXXX since XX/XX/XXXX requesting a mortgage modification. I've faxed the modification request and financials to the mortgage company. While the modification request is in processing there is a property foreclosure sale date set for XX/XX/XXXX. I don't want to loose my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attached please find the documents that are proof of manipulations, fraud, and identity theft. Clear my credit file since the fraudulent now under my social security account was already paid off. 

First find the federal student aid report from XXXX College as off XXXX, it clearly state that my balance was in collection was {$13000.00} Even I paid it off. see check attached. 
Second find the letter from USDE dated XX/XX/XXXX which clearly state the total amount of loan consolidated on a duplicated fraudulent account Using my identifiers XXXX XXXX now under my social by fraud, and identity theft, as off year XXXX the balance was {$13000.00}, matching the numbers on my original student loan, and also state that the total amount due to satisfy debt worse {$14000.00} Also attach find XXXX Direct loans statement 1098-E form the last one I had received until todays date. ... 

Following the numbers requested on the letter dated XX/XX/XXXX, On XX/XX/XXXX I Issued a check in the amount of {$14000.00} to pay my outstanding balance on my original account as requested to the IRS off set unit And also requested to satisfy my account And refund any overcharges. The IRS issues a refund in the amount of {$2700.00} with {$.00}. 


I never received the satisfaction letter. 

And Last find US Department of education later dated XX/XX/XXXX in this letter Is more than clear the fraudulent transactions, Harassment and criminal activities from XXXX XXXX the attorney involved in this fraud. 

This letter contradicts and had huge discrepancies on the balance due on the previous letter dated XX/XX/XXXX my account is still outstanding when I already pay off its entire balance due based the information provided on the duplicated account using my identifiers matching according to Their own letters, why the harassment?, Why do you are already charging me for an account was already paid?. Please stop Criminal activities and economic crimes set up by the US Department of education and me clear and satisfied my account stop terrorists from making false claims to the IRS, stop government harassment. 

Today I did file a new complaint because still Transunion XXXX. Transunion refuses to correct inaccurate information in my file such as current residence address and student fraudulent loan currently now under my social security by fraud and identity theft, however it was already paid off since the payment I made to my original account were transferred and applied to using to the fraudulent account Now under my social security.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 a history of always paying on time, and it's causing me a lot of XXXX to see this inaccurate late payment on my account. I have never missed a payment on this account, and I am begging you to remove it from my credit report as soon as possible. It's affecting my ability to sleep properly, and I would greatly appreciate your urgent attention to this matter.

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020I sent a letter certified mail to the targeted company stating there is a number of 'alleged ' student loans listed on my credit report and I do not recognize any of them and am requesting that are deleted per FCRA 623. For which they have been directly negatively effecting me and are starting to cause damages to my life.

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 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$8500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) I have attached proof of payment on this account. The lates that are reporting are also incorrect. This account needs to report a {$0.00} balance and no lates. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and  this line item needs to updated and/or removed. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-07-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent a {$1.00} transaction from myself ( ME ) to XXXX XXXX ( CO ) to test an e-commerce button I had just installed on the company website. Mistakenly there was a {$26000.00} item in the cart, and PayPal processed the transaction for {$26000.00}. 

The problem was complicated by the fact that in trying to block the transaction for happening I disputed it with my credit card provider. Then after after being told that a dispute would prevent a refund to XXXX XXXX I un-disputed it, and then after that didn't work either I re-disputed it. This created a series of transactions that exceed the ability of customer service agents working on chat to understand and resolve. 

So now after months of attempts to reverse or annul the transaction at PayPal, multiple and continuous attempts to reverse or fully credit the transaction at my credit card provider, and at the online merchant backend provider, on behalf of myself ( ME ) and of XXXX XXXX ( CO ) have failed and PayPal now insists that I personally ( ME ) owe the {$26000.00} but they won't refund that money to XXXX XXXX ( CO ), so I'm stuck holding the bag for a completely fictitious {$26000.00} transaction. It's a bookkeeping mistake, somebody needs to make another debit or credit entry, but I can't manage to speak to anybody at PayPal. Everything is by chat only, with low-level agents who don't understand and refer me to everybody else like the credit card company. But XXXX says that PayPal tells them that too much time has gone by so the case is closed. I need to talk to a human being with a brain, or else take it to court with PayPal, but I'd much prefer to speak to a human being. 

I can no longer use my credit card because of this and I'm incurring penalties and interest on the full amount. I thought it would be settled in a few days, but since it has been going on for almost four months it has turned into a personal financial crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I checked my XXXX  Credit Report, and it showed a collection from Southwest Credit Systems. The date of the debt was XXXX, XXXX. This debt is over 7 years old and should no longer be on my credit report. It was for a cell phone service to an organization of which I was an XXXX. The organization folded, and XXXX charged me with the balance. They said they would remove the charge, but never did. 

In any case, this happened before XXXX. I filed a dispute with XXXX, and all they did was " update '' my credit report after contacting SW Credit Systems. But nothing on the report changed. SW Credit Systems left the date as XXXX instead of XXXX or XXXX. So a debt that should be removed from credit report is reported as XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX # XXXX ( 2 times ), American Express # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX/ XXXX  # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( 2 times ), XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX  /XXXX  XXXX  XXXX XXXX XXXX, XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX. 

Please Delete incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 1944 XXXX XXXX XXXX. XXXX  XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX This is my number ( XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate this accounts. Account name : XXXX : Account numberXXXX. It was stated everything was complete and accurate. How is this the case when in XX/XX/2022, this account was listed as being paid on time. The following month XX/XX/2022, it was listed as being XXXX day delinquent. It can not be reported that I was XXXX days delinquent without XXXX or XXXX day prior late payments. 

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 an 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 the information is inaccurate.

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case

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 2018-12-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had initiated a XXXX transfer from my Wells Fargo account for {$400.00} to my husbands XXXX  XXXX XXXX account, my husband got an sms from XXXX  XXXX XXXX stating that the amount will be credited to his account along with a confirmation code, however the funds were not received by him into his account and the money was not refunded to my Wells Fargo account, although the statement shows that the money was deducted. 
While Wells Fargo filed a claim and then said the money should be with XXXX  XXXX XXXX , XXXX  XXXX XXXX is not ready to file a claim. 
We have been asked to go from One bank to Another with no one willing to give my hard earned money back. 

Please look into the same and help me get my money back.

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 2021-12-05
Company: EQUIFAX, INC.
State: MS
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX  Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a Home Depot credit card in the mail. I never applied for this card or approved any type of credit pull. On XX/XX/2021 an online purchase of over XXXX dollars was made. I have since been getting calls for a past due bill. I called Citi Bank N.A. who issued the card and reported the 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
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: GA
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 reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from 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 2023-04-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is still reporting repossessions past the 7 year statute of limitations.

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 2018-12-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The information on my credit report in regards to my Bankruptcy is inaccurate. I had a conversion from a Ch.XXXX to a Ch.XXXX. The date of the completion of that conversion is inaccurate. That date is XX/XX/2018 and should rightfully include any debtors listed on my credit report before that date of XX/XX/2018.

Company response to consumer: Closed with explanation