BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: AR
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:
To whom it may concern XXXX, XXXX, Experian The following inquiries were not authorized by me please delete them I have never XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX  -Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXXXXXX XXXX-Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXXXXXX XXXX XXXXAccount # XXXXXXXX XXXX XXXXAccount # XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. 
Thank you for your cooperation

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 2023-01-07
Company: Experian Information Solutions 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:
I have contacted Experian, XXXX and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/XXXX, XXXX and TransUnion are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For TRANSUNION 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately.

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 2017-11-06
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Slate Chase account ending in XXXX was re-billed in the amount of XXXX, a purchase from XXXX XXXX store XXXX XXXX, CA. As I stated in dispute and again here, the package shows delivered on XXXX, signed for by a XXXX XXXX. I was not at home on this date and no one by the name, XXXX XXXX, lives at my address. I also stated that this transaction/order was canceled by myself prior but the store has a no refund policy and ignored my request to cancel. Please advise Chase that I refuse to pay for this purchase and needs to be credited off my account, this transaction is causing the account to be over-limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Sequium Asset Solutions, LLC
State: TN
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:
Report submitted by Sequium Asset Solution on behalf of XXXX XXXX about collection of a delinquent account that is not mine. Report submitted to both XXXX  and XXXX. 
No one contacted me about the 'debt ' before the report appeared. 
I have resided in my current residence since XXXX, bought and paid for. 
I have not lived in XXXX XXXX since the mid XXXX. 
The property noted was not built until XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Received a loan you didn't apply for

Complaint:
I did a loan with the company and I signed paperwork but it's on a truck that has already been sold and they know about it. They are miscommunicating what the loan is for. Harassing neighbor 's that I did not put on my contacts. I asked the lady when she arrives about this she gave mixed response. I asked if she contacted my 2 neighbors because they might have loans there she stated yes the one did. I told her how that is not allowed to discuss my business with another client of theirs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct and update.

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 2019-08-04
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:
To whom it may concern I see where I tried to purchase a car and the dealership ran my credit and i have negative items on my credit report. I never enter anyone hospital and i not sick i am a young healthy Man and someone use my identity to receive medical care at the hospital or doctor. this 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 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used BOA debit card to make a purchase {$400.00} for XXXX intial deposition, but the BOA account was recorded as withdraw, so I was charged a fee of {$10.00}. BOA originally promised me that they would refund me after the bill was released, but then they said that the system could not be executed after the bill was released. I had the opportunity to cancel the transaction, but I did not execute it because I believed they would refund.

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 2023-02-16
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Wells Fargo to see if I could refinance my home mortgage or receive help with my mortgage payments and representative told me I had to be behind 4 months payments before receiving assistance. I spoke with her for over 30 minutes asking all types of questions to ensure the process was correct. When I missed 4 payments and contacted them again. I was told there was nothing they could do to help as I was 4 months behind. I was furious. Long story short they attempted to foreclose my home and I had to file bankruptcy to save it.

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 2019-08-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent both XXXX/Equifax a method of verification letter requesting that information as of XX/XX/2018 and havent yet to receive that information although they state that the accounts reported on my credit report were verified. Its my understanding that according to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
XX/XX/XXXX XXXX XXXXXX/XX/2022 XXXX hard inquiries that needed to be deleted i was not aware or approve this transaction. please remove

Company response to consumer: In progress
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party 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 2017-12-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good Morning on XXXX XXXXXXXX,2017 a large amount of XXXX was stolen out of my account. This was part of my rent money and also my kids XXXX money. I was told an investigation would take 30 days to complete. I am a single mom with XXXX boys that have severe XXXX. 2 days before XXXX I will be put out of my home. Never in my life of having bank accounts been told an investigation will take that long. I am beyond frustrated with TD Bank and there service. I would never again refer this bank to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: PA
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 attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Old information reappears or never goes away

Complaint:
Around XXXX and XXXX and XXXX of XXXX, I sent a package to Transunion and XXXX and XXXX indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.

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 2020-10-22
Company: EQUIFAX, 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:
HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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:
HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: GOLDMAN SACHS BANK USA
State: UT
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:
My credit report reflects accounts that I have not opened. I would like these fraudulent charges and accounts removed and my score restored

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: CO
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:
There has been an error on my report for months. I have disputed it but it is still remains, without proper proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
HELLO MY NAME IS XXXX XXXX XXXX XXXX I HAVE INCORRECT INFORMATION IN MY CREDIT INFORMATION AND I HAVE BEEN A VICTIM OF IDENTITY THEFT, PLEASE DELETE THIS COLLECTION THAT IS FRAUDULENTLY MADE FROM MY CREDIT REPORT, HERE I SEND YOU THE IDENTITY THEFT, PLEASE DO NOT PLACE A FRAUD ALERT, AND IF THERE IS A FRAUD ALERT PLEASE RENEW IT THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX, XXXX XXXX XXXX : {$4600.00} ; XXXX, XXXX XXXX XXXX XXXX {$3800.00} ; XXXX XXXX XXXXF XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} 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 2016-08-22
Company: Solidus Group LLC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company keeps calling my number and I AM not the person they are looking for. I have told them to remove mu number. I WAS called a lie and they left me a message and said, I hu on them but I did n't. They hang up on me every time I try to tell them they have the wrong number. I Spoke to a supervisor and he said, he removed my number, but I got a call today. They are so rude and I have told them and told them stop calling. They say their name is XXXX XXXX at XXXX. So how can I make this stop.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This complain is about BB & T the new Truist. 

We did 2 wire transfers XX/XX/XXXX. Was told it is free at the branch. the receipt printed not showing any charge. The fee of {$140.00} showed up XX/XX/XXXX. Called BB & T customer service, was told it is free at beginning, then was told it is not free because commercial account. need to go back to branch to solve. Branch told it is charged because of it is not domestic wire transfer which is not true. 

Requested to get the {$140.00} back, but can not even escalated the case to Truist 's CEO XXXX XXXX. 

What Bank did wrong? 
XXXX ). Can not provide proper receipt when doing wire transfer. This is a one-time service, not an annual service. Bank should print the right receipt when service is done. 
XXXX XXXX. Bank employee was not trained properly. Bank employee should tell the correct information. 
XXXX ). Service and customer experience need to be improved a lot. Bank seems trapped customer to use their over priced service. if we were told the cost is XXXX  $ for 2 wire transfers. We definitely will not use the over-priced service. We will mail a check instead. 

Thanks 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