BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
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:
This is my FURTHER Complaint that I was the XXXX XXXX XXXX XXXX Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$620.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXXXXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, On the date of XX/XX/2023, I received a call from a XXXX XXXX from XXXX XXXX XXXX. He stated I had a debt that was from an overdraft fee from Wells Fargo from over 10 years ago which is an absolute lie because I closed my account with them with no outstanding balances. Wells Fargo actually sent me a check about a few years ago for unclaimed money that belonged to me. I tried to explain that to him and he eventually became more aggressive after I was telling him that this is an odd claim. He then tried cutting me off saying " Okay, I'll just take this as a refusal to pay '' and hung up on me. I called back to inquire for more information. He picked up surprisingly considering he was quite rude and aggressive. He then tried confirming my personal information that he had of mine and I unwittingly confirmed my social security number which is now giving me XXXX because I'm not sure if he was real or a scammer. He still sounded aggressive with me after I tried disputing the claim and before I could get any more questions in, he hung up on me again. I tried calling back and now he's not answering. Of course, right after the calls, I ended up doing research on these types of situations and come to find out he violated the law with how he conducted himself on the phone and there's other complaints online about this specific XXXX XXXX and XXXX XXXX XXXX. This has now become another unnecessary burden knowing this potential crook has my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I have had troubles with Truist bank before and am planning on removing my money. They won't let me take my money out without my ID which I have lost. I have a photocopy of my ID but they stated that was not good enough. 

I went to the bank on XXXX to get a notary signature on a paper to get my birth certificate. The XXXX woman with an IQ of XXXX stated without an ID she could not sign the paper. I stated the photo copy was good enough or I could bring someone in to verify the person on the paper was me. She stated no and said I was disrespectful. I got very angry as I know she was lying. There were other customers in the bank. This is what I hear, fill out this form for fraud ( no help otherwise ), go to another bank for help. I know this bank has fallen to XXXX out XXXX stars. My point is the customer service is XXXX. Every time I go there there are new tellers who do not take time to get to know their customers. In Florida my photocopy is good enough to get money out of my account and get a notary as well as bringing someone with me. To be told No I can't help you by some one with no college degree and not from this country is aggravating. I have my XXXX and know the law. The bank has broken it and I assume are making up their own laws. The arguments of the other customers were hostile. I told the XXXX manager she did not know what disrespect was and that she was lying and that I was notifying the authorities. She was very angry towards me. What I want is college educated people who follow the laws. I asked her how I could get my ID if she would not sign the paper to get my birth certificate to get my ID. She stated she needed the actual ID. I don't think she got the illogic of the gesture on her part.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  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 non-monetary relief
Consumer complaint received 2019-05-07
Company: AES/PHEAA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I purchased a car on XX/XX/XXXX, and on XX/XX/XXXX I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I XXXX took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Wells Fargo got the check in XX/XX/XXXX and I reviewed my credit report in XXXX and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. I spoke to a lady name XXXX in the Offices of the President in the Corporate of Wells Fargo, she would not give me her last name. Her extension # is XXXX, phone number is XXXX. 
She is the one that said she recommended that my remaining balance ( {$570.00} ) be forgiven because of the financial harm they have caused me. Account # XXXX. But after months of waiting on that, she said the company is not going to help me. On XX/XX/XXXX, I spoke to XXXX XXXX, extension XXXX. He said the best he would do for me is, if I pay the remaining balance of {$500.00} and they will take the charge off - off my credit report. I told him that was not good enough, because he said the 30 day lates would stay on my credit report. I told him that was not accurate. This company has caused me financial harm to my credit and defamation to my name. They have been reporting this false information on my credit reports going on a year now and I have suffered in higher interest rates on loans I have now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Ive submitted this complaint 3 times CFPB & XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX and TRANSUNION with FTC Fraudulent report support my position. It seems XXXX and TRANSUNION are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}

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 non-monetary relief
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Unauthorized inquires were added to my credit report from companies I don't have an account with. 

XX/XX/XXXX - BOA - No action taken. No account was created. 
XX/XX/XXXX- XXXX XXXX No action taken. Company verified that no account was created XX/XX/XXXX- XXXX XXXX XXXX action provided by company. Verified no account was created.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Chase XXXX credit card on XX/XX/2022. Immediately I received an email stating that my credit card was being processed Ref # XXXX. Then soon after I received another email that further documents were needed. I sent various documents such as a billing statement showing proof of my mailing address XXXX XXXX XXXX, I also sent a driver 's license showing proof of residential address, also sent a bill showing proof of residential address by fax, mail and email. All documents were denied and my application was never processed. I must have sent all documents probably about 10 times and still no answer. I think they are having issues with my address on file since I already have a Chase Freedom credit card and the addresses I have provided. I have called about 10 times and today XX/XX/2022 I had enough talking to XXXX from the fraud department at XXXX and she hung up the phone when I requested to speak to a supervisor. I have provided all that they have requested and nothing has been resolved and difficult to get a hold of and speak to them. Very rude and unprofessional reps. My credit score is about 820 and I have a good standing with Chase freedom card over the years. The only problem I see them on purpose denying me a credit card based on race or some other factor and that is discrimination. I don't see any other problem since I have provided what they asked for but still my credit card has not been processed and a hard credit was run on my report. I have gotten many letters about 5 stating that Chase unable to process my application but no reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXXI - TOTAL XXXX  # XXXX my credit report is showing it was purchased by another lender by this account still showing in my credit report, I contacted the lender and they do not have any information about the account : Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$550.00} Credit Limit {$0.00} Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear sir, Reference my complaint no.XXXX dated XXXX against Chase Bank XXXX The bank had then submitted their reply which was vague and unsatisfactory. The bank used wrong account number to deceive and misguide so they can not be held responsible for releasing my inherited fund. They made it spiral and the report they had submitted was not accurate but flimsy. I had a time period of 30 days to submit my feedback but I did not submit any feed back and waited in the hope that the bank perhaps resubmit their clear report on my fund complaint. Eventually the time period of 30 days was passed but I did not see any changed report from them in the account. Some seven or eight months ago the Chase bank contacted me on my email saying that they could not come up with accurate and genuine position of my fund account because the bank had not get the fund register with the Federal Reserve so they wanted to send me my fund through a diplomatic means. I objected on this option and reiterated to let me have access my inherited fund account after activating which would have become dormant but they did not agree and again said to send XXXX dollar for a new account in my name to operate my inherited fund. 

I have all the documents and Chase Bank account statement when you will ask I will produce before you. My fund account statement bearing the account number was not mentioned in the report they had submitted to you. I have been since making request to the bank and to their CEO and Executive office. I am sorry to say that their Executive office have so far been negative and uncooperative and very active harassing me by far. 

I would very humbly request you to kindly intervene the matter again helping me to get access to my fund {$9.00} XXXX. 

Thank you very much in anticipation. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
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: Information belongs to someone else

Complaint:
The listed items on Ftc report are not my items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information remove Chapter XXXX Bankruptcy Discharged XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTY THEFT AND THIS IS FOR CHEX SYSTEMS

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