BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX Account # 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 an account without my written instruction.

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 2023-04-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Old account from XXXX was given high fees and interest snd unable to reopen

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 2023-04-12
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$72000.00} ; XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX  XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX MI 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 2018-11-29
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, my employer sent a direct deposit of XXXX to my PayPal account for deposit on XX/XX/2018, and it has been held by PayPal since. Every time I speak to them on the phone, I am told that it will deposit the next day, however, it doesn't. 

What they have done is illegal and I new my money released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2019, I was invited to attend a presentation for a XXXX XXXX XXXX  I was told the presentation would last 1.5 hours, my family was kept there for 4.5 hours. 
The representative for XXXX XXXX convinced us to join their organization. They promised my children a trip to XXXX, us a trip to XXXX, a gift card to a restaurant and we we would be under no obligation and could cancel at anytime. We told the floor supervisor that we would not qualify for this we had too much debt. 

The floor manger took both our licenses and told us she would try to get us approved for for financing and left us in the lobby. She came back and told us, that my husband was approved for {$10000.00} and I was approved for {$6000.00}. We never applied for the credit cards, it was all done by someone there. We were in another room and had no input. I was not informed of the credit terms and did not know they had applied for credit with XXXX and affiliate of XXXX XXXX XXXX. XXXX XXXX lines is one of the stakeholders being sold in the package they offered us. At the end of the presentation when they ushered us into a room to sign a stack of 55 pages. During this time the closing agent XXXX XXXX was talking up the company and talking a mile a minute distracting us. However both my husband and I repeatedly asked him if we could cancel at any time, and we were assured that yes we could. We were given this assurance by the sales agent XXXX, the floor supervisor, and the closing agent. I wanted time to review the documents. All these people lied to us. 

When I tried to cancel 2 weeks later I was told that I could cancel the contract but would be held liable for the credit card expense. When I spoke with the credit card company that told me that if we did not pay our credit would be ruined. We began making payments while trying to get the contract cancelled. We had an attorney send a letter out to XXXX XXXX and they did not respond to us. I called and wrote to the director and a gentleman by the name of XXXX XXXX with no clear response. 

When COVID -19 impacted the world the credit card company raised the monthly payments. We could no longer make the payments for a product we did not receive. In reading the documents later I found out if I miss a payment for renewal, they have the right to void the membership. Even though XXXX XXXX collected {$160000.00}. We are currently being sued for a debt we did not willing and lawfully apply for, we have not received any good or services to date, one of the gifts promised had ever been received. As a consumer I need to find a legal resolution to this issue. 

Please help me find resolution to this issue.

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 2018-02-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX  {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, XXXX  and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done.

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.

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 2023-04-12
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$11000.00}. 

This complaint is my follow-up to ensure that the listed accounts are investigated.

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 2019-01-14
Company: Experian Information Solutions 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:
According to my recent credit report request from XXXX, Experian, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX  Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.

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 2020-03-02
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: Information belongs to someone else

Complaint:
ftc violations As part of a {$90.00} XXXX proposed settlement, XXXX is refunding customers who were unfairly billed third-party charges by the company. XXXX has been contacting all of its current and former crammed customers to let them know about the refund program and claims XXXX XXXX XXXX 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 2023-11-11
Company: EQUIFAX, INC.
State: CA
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:
I am writing to bring to your attention certain inaccuracies that have been reported on my credit report. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I kindly request your assistance to rectifying the following errors : 1.Account name : XXXX  Account number : # XXXX Inaccuracy : Incorrect information on balance, payment history, account status, comments and dates. 

I have attached supporting documents that substantiate the inaccuracies mentioned above. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into these inaccuracies and take the necessary steps to correct or remove the erroneous information from my credit report. 

Additionally, I would like to emphasize that the continued reporting of inaccurate information reflects negatively on my creditworthiness and financial standing. I kindly request that you update my credit report promptly to reflect the accurate and up-to-date information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok incomeXXXX Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-11-11
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
Todays date is XX/XX/2023 My current and legal first name is and only is XXXX My current and legal last name is and only is XXXX My current and complete residential and mailing street number is XXXX My current complete residential XXXX XXXX name is XXXX XXXX XXXX XXXX 
My current complete residential mailing city is and only is XXXX My current complete residential mailing state is Alabama. 

Please remove or Cease retaining of any and all others that you might have reporting or on record or else present document statement certifying my rights to retain or report over consumer removal of authorization. 
To whom it might concern, I am requesting to remove the INQUIRYS AND CLOSE ACCOUNTS from my personal credit report. 
In genuine sincerity I close, my first and last name is and only is XXXX XXXX. My street number and street name is and only is XXXX XXXX XXXX XXXX my city and state is and only is XXXX, Alabama

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRUIST FINANCIAL CORPORATION
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 XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX COUNTY SHERIFF, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXI # XXXX SUNTRUST # 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 2017-10-03
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
I have disputed a late payment on my credit report with XXXX XXXX XXXX XXXX stating that payment was late in XX/XX/XXXX. I submitted supporting paperwork from the XXXX County office of XXXX XXXX XXXX Support  Obligation Summary showing that the payment history shows the payment was made at that time and taken out of my paycheck from XXXX XXXX. They refuse to remove the negative strike from my credit report. I have called on XX/XX/XXXX to XXXX XXXX XXXX XXXX and they are of no help pointing me to go back to Experian and dispute the mark

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 2023-02-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed my credit score going down and when I checked my credit I realized I had Navy Federal Credit Union Credit Card on my report. This all took place in XXXX and I called them spoke with XXXX and she said she would put in an investigation, I also put in a dispute with all the credit collection agencies and they I just received a letter from them stating it was verified and this is my debt. I know it's not mine and I told them as well. I never opened anything with the Navy, I've never worked with them neither have anyone in the Navy. The address they have or sent the card to I do not know, they have a different phone number, different middle name, plus someone made a payment on the card which isn't me. I am a male, XXXX XXXX XXXX XXXX and they said it was a Ms. ( Female  ) that opened the card. They can track to tell where the funds went and who paid it and they will see I have no connection to this card. Unless this Navy company is a fraudulant company or it's an insider job and they are getting away with fraud. I truly need your assistance to resolve this because it's messing with my credit, which is very upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief