BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: IL
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:
As of XX/XX/XXXX Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX/XXXX XXXX {$390.00} not mine XXXX XXXX   XXXX XXXX {$560.00} not mine XXXX XXXX XXXX XXXX {$5100.00} not mine

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 2023-03-27
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: MD
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

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 2021-07-15
Company: EQUIFAX, INC.
State: NY
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:
good morning, please be advised I file a dispute with all three bureaus regards to inaccuracies on my credit report. I have disputed these items 60 days ago and I have not received any information on my credit report. fair Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2023-01-02
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:
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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/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 2020-11-27
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a difficulty with a purchase made from XXXX XXXX through " XXXX ''. I bought a ticket ( On XX/XX/XXXX ) with the date I needed but in less than a month of my trip I receive an email saying that the trip is no longer enabled that I have choose another date. But that is not possible for me since it was necessary to travel that same day, in addition to other connecting trips that I already had scheduled. I call the agency and they tell me that there are no more options, so I decide to ask for a fair refund of my money. The next day, XX/XX/XXXX, I receive a new email saying that my return is not possible. That I must communicate directly with the airline " XXXX '' but since that day I have tried to access communication with them and it has not been possible. I filled out a refund request from their page and so far I have not received any response. I feel that I have lost my money and it does not seem fair to me since I had to buy a new ticket even more expensive than the initial one. I go to this option to help me from my bank to recover the money. I attach a photo of the emails received. 

In the last screenshot you can see that my reservation is stoped and they haven't done anything so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020-XX/XX/2020 My bank continued to change transaction dates on my online banking. This app particular does not allow screenshots to be taken for proof. But they change dates of transaction to make it appear that there is no money in my account when there is supposed to be money that covers every transaction and then charges {$36.00} overdraft fees on those items.As well as changing the type of deposits made into something that appears to be a simple credit to only withdraw the money at a later date to cause more overdraft fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I made international money transfers to XXXX XXXX. on XXXX for $ XXXX fees.Then i call WU to get my refund but the staff made a cancellllation instead.I call several times but WU gave different excuses and gave me 3 different case numbers.I had the reciept sfter their system confirm the transactions is paid for using my debit card ending in XXXX.The money was not there.attach is the reciept wu email me as proof that it was paid for on that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: General Motors Financial Company, Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was late on a payment and my wifes credit score was effected they reported her and now she was in the middle of a refinance and this  credit Report from GM financial effected her rate. I guess it was XXXX or XXXX that they reported it. I was waiting on unemployment and they never reached out to me to let me know they were going to report us. We have been paying them for over a year and everyone knows its pandemic and these are tough times for everyone so I think that it should of never effected mine or my wifes credit report. Could you please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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:
I legally changed my name on XX/XX/XXXX. By XX/XX/XXXX, I had changed my name on all of my credit accounts and with the Social Security Agency. By XXXX, my name was still not updated on my Experian Credit Report. I tried to dispute this in their online system but received an error that such information can not be disputed online and that I should call them to dispute. The number that I was provided led to a system of recorded messages that loop back to each other, with no possible way to reach a customer service agent. I would eventually find out that every single listed phone number for Experian leads to this same loop of recorded messages. I proceeded to send a letter to Experian about my name change, including supporting documentation. They updated my name on my credit report, but not on my online Experian account, nor in the emails that they send to me. There is no way to change this name online. On XX/XX/XXXX, I sent another letter requesting that they change my name in my online account, including my member id number and my supporting documents again. I received a response dated XX/XX/XXXX with dispute results and my full credit report, but no actual response to my letter and no change to my online account. I sent a third letter right away, this time also including printouts from my online account showing where my name was incorrect. Again, they did not make the correction. The fourth letter I sent was a duplicate of the third, with an additional handwritten note. I was admittedly very angry and the note that I sent was not kind. In response I received a postcard that they could not find my records. When I next logged into my online Experian account, my entire credit record had been erasedno account history remained at all. When I attempt to use their online dispute system, I receive an error that I can not submit a dispute due to security reasons and to call them at a toll-free number, which of course leads to the looped recordings with no way to actually handle the 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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car was targetted to pay a insanely high rate after trading in my vehicle to purchase a new XXXX XXXX. The engine went bad and other things occurred during the time I had it which coated thousands. I've said XXXX on a XXXX car. they targetted me on a bad loan, called me none stop, lied and charged me more. This has destroyed my credit I can't find a good lawyer. I have zero paperwork from them. My car had gap insurance, I was paying about XXXX a month just to drive and did this for year 's. They limited my life destroyed any chances of my life going forward and this created damages to my business.

I was told first month was due at the time of the next ... I argued this and it then later turned into oh you're late and owe double, then denied me the chance to refinance when they lied!!! One month later. I traded my {$3000.00} jeep in for that and they still lied!!!! {$16000.00} + jeep fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I wired {$5000.00} To Wells Fargo account # XXXX as an intermediary bank, to be forwarded to XXXX XXXX XXXX XXXX  in XXXX  and XXXX XXXX. Wells Fargo kept the money and never forwarded the funds. XXXX XXXX  is my bank, they have reached out to Wells Fargo numerous times with zero response asking for a return wire. We have gotten zero communication.

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 2020-04-20
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC 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 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim at Bank of America about the fraud of my checking account that some of transactions from XXXX. XXXX to XXXX. XXXX XXXX, total amount is : USDXXXX and they denied it. The reason they denied my claim is because they told me this claim was over a year and there's nothing they can do. 
The reason I filed a claim on XX/XX/XXXX is because my bank account had been frozen from XX/XX/XXXX to XX/XX/XXXX. And I faxed the court document and police report case number to the number they provide me to support my case. 
During this whole time from XXXX XXXX, XXXX -- -- XX/XX/XXXX, I was not able to access into my bank account on line banking or get any info from financial branch. 
As long as my bank account was unfrozen on XXXX. XXXX, the weird thing is that I could tell that the fraud happened from XXXX. XXXX, XXXX -- -XX/XX/XXXX, XXXX which was during the time my BOA bank account was supposed to be frozen. So now Im confused how this was happened, while my bank account was frozen? Even I, myself was not able to access into my own bank account. I can not imagine who was able to access into my bank account while it's frozen except the people who's working in BOA. I wan na an explanation from BOA but they just ignore my request. And denied my claim without any explanations.

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 2023-02-13
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXXXXXX 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 explanation