BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below is the account from my credit report : No Category 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DEALER SVC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2021-06-03
Company: JPMORGAN CHASE & CO.
State: WA
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:
Around about XX/XX/XXXX XXXX  2020 my car was stolen with all my identification in it. Every since then my credit has been poor. I cant even open a checking account. Or do any thing with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was receiving my Texas unemployment benefits on the reliacard and I had fraudulent charges made on XXXX and they placed a fraud block on my account. Since that date I have moved my unemployment to a different bank and have had no problems. The reliacard services still hasn't removed the block and I have followed their guidelines to verify my identity just the way they requested and not to mention done this more than 5 times. How is it you van send me text about my account you can mail me paperwork on my account and yet when I call to speak with a customer service person and verify the exact info on my account i get told that I need to send it verification yet again. On XXXX i received a text about deposits made to my account and that I could reset my pin thru the automated system but yet never got transferred to do so and in less that 5 minutes later I call back and they tell me that my account t was never unlocked!!! How can you get a deposit on an inactive account? Thats what your bank keeps telling me is my account is inactive so can you explain why this is going on and who's lying your workers the bank or is it you?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: SCA Collections, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. SCA COLLECT Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

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 2023-11-02
Company: OLD NATIONAL BANCORP
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
False information on my consumer 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 2023-02-17
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX 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 explanation
Consumer complaint received 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
On XX/XX/2019 I checked my Transunion credit report to find that my score unexpectedly dropped from XXXX to a XXXX. When I called the company to inquire as to why my credit score dropped ( I received no prior warning for I subscribed to Transunion credit alerts and did not receive an alert for this ) m the customer care specialist kept asking if I knew " The three factors that adjust my credit score '' When I said no she said I'd have to purchase my credit report ( for {$9.00} ) When I told her that I felt I shouldn't have to pay to get an answer for a relatively simple question she said she couldn't help me. I ended the conversation saying that if I didn't get a response in writing by Friday I'd get a third party involved. On XX/XX/2019 I tried calling to inquire to see if there was an error that perhaps I could give information on and shed some light on the matter but the company 's phone line was unresponsive and I interpreted this as the company was unwilling to co-operate with me to seek an amicable solution. ( Note : The Attachments titled XXXX complaint have nothing to do with XXXX directly, they are to show my previous credit score before the incident ).

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been unable to access our online business banking account with Truist since XX/XX/22. Today is Tuesday XX/XX/22. I was told, after waiting over an hour on hold, that it would take 3-5 business days possibly longer due to the recent merger, to resolve the issue. I need to be able to access these accounts in order to run our business.

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 2023-05-26
Company: EQUIFAX, INC.
State: PA
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:
Please investigate these inquiries as they were inserted on my credit report without my authorization. I called XXXX to ask why my credit was pulled without my authorazation and I was told that It's nothing that can be done by law It say that All information reporting should be 100 % accuarate and these inquries is not. Thanks again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 an account with XXXX XXXX XXXX XXXX. I have always made payments to them either by sending in a check or making a phone payment. 

My due date is always on the XXXX of every month. On XXXX XXXX I called in and made a phone payment for the min amount due. 
After monitoring my bank statements I noticed that it took a couple of days longer than normal for the payment to process. At that point I signed up for the online access to my account so I can investigate, and find out that there is a cut off time for the payments. 
During my online investigation I was then made aware that there was a XXXX deadline on the due date Now no where on their paper statements or on their automated payment system did it ever mention that there was a specific time that the payment was due by. Therefore I was not informed and made unaware of a time specific deadline. 

My payment was technically made on XXXX XXXX, XXXX at XXXX. Which is technically considered by date XXXX XXXX, XXXX. 

I had called Kohls multiple times to dispute this and just received a letter stating that the must report the late payment to the credit agencies. 

My dispute is that since they do not inform of a specific time frame dead line on all of their forms of payment, then they should not report a late payment to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 Wells Fargo Bank issued two wire transfers from our checking account at XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} per transaction, for a total of {$1000.00} without our permission. We do not bank with Wells Fargo and have not had any type of active account with Wells Fargo for approximately two or more years. 

We discovered the illegal withdrawal of funds from our account on Sunday, XX/XX/2019 and contacted a local branch of Wells Fargo by phone on Monday. Wells Fargo Banking personnel had two responses to our claim : 1 ) How did they ( Wells Fargo Bank ) take money out of our account when we don't bank with them or have and type of account with them? 2 ) There was nothing they can do about the illegal transfer, and we had to contact our bank, XXXX XXXX XXXX XXXX XXXX, and make them find a solution to the problem. 

Both responses by Wells Fargo personnel were reprehensible! First Wells Fargo Bank steals XXXX from us and then tell us there was nothing they could do about it, and we should go find someone else to deal with it. 

Fortunately for us we found out about the stolen funds in time for our bank, XXXX   XXXX XXXX XXXX XXXX, to rectify the problem before any checks we wrote bounced due to insufficient funds. Due to the efforts of our wonderful personnel at the credit union, they were able to retrieve the {$1000.00} from Wells Fargo before we were hit with penalties for insufficient funds. 

I am upset that Wells Fargo Bank did absolutely nothing to rectify the problem. Was this truly a mistake by Wells Fargo our did they purposely try to steal our money for whatever reason? How many other people have experienced similar thefts by Wells Fargo Bank. I hope a government agency fines Wells Fargo for their illegal act or at the very least penalizes them for their incompetent act of taking money out of our personal account without proper cause or permission.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my Credit report File and there are some items and information that do not belong to me whatsoever. I complained earlier this Month on XX/XX/XXXX, and this complaint is a follow-up to that complaint Please investigate these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  The names and addresses are not mine, while the accounts and inquiries are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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 2019-09-23
Company: BTH Management
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I XXXX XXXX XXXX, in XX/XX/XXXX obtain a PAY DAY LOAN from XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL. XXXX ) due to hardship, I was unable to pay the loan I spoke with XXXX XXXX   several times, thet told me at that time to enroll or take a Financial Program and when I was finished with the classes to call them to let them know I completed the class. I completed the program and called them, at that time they did not ask for any re-payment. I took that this program waived the payment in some way. I did not receive any calls and I had the number they had for a while and I did not receive any mail. This month when looking at XXXX XXXX   on XXXX, I saw me in Collections for {$550.00}, I called XXXX  and was informed on XXXX, PLAZA SERVICES, had reported me. I never held of them and did not receive any mail from them, I would have received mail if it was sent to the address XXXX XXXX XXXX XXXX. I spoke with them as in my letter and they said I can not have a copy of what was sent to me. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Carter-Young, 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:
On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from Carter Young Inc. and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX - I entered into repayment for my private loans a monthly payment of {$1300.00}. I requested a lower monthly payment amount and learned I was already at the lowest payment with no other options available. I just completed my XXXX and will be responsible for the repayment shortly ( XX/XX/XXXX ). 

Equally important, I try to contact the company during their posted business hours and receive automatic system stating the office is not open. There are times when I receive an agent and experience a transfer to another department assigned to my account. Of course, the assigned department is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX failed to provide me with statements, XXXX XXXX replacement and also updated the address from XXXX to XXXX. 

My XXXX XXXX eas canceled alone with check and other identifying documents. 

The company constantly reported me late and took advantage of the adverse situation. 

Rather to rectify the issue they keep sending generic letters.

Company response to consumer: Closed with explanation