BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days 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 2017-12-19
Company: Experian Information Solutions 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:
For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX   and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX CARD Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : 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

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 2023-07-08
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. I have the right to privacy. 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written 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 2023-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My local Wells Fargo is not accepting cash deposits, the agent said since XX/XX/2001 Wells Fargo no longer accepts cash deposits?! Since when?! 

I fought with the agent at the branch and she refused to place the {$3500.00} cash into my checking 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 2023-04-05
Company: Experian Information Solutions 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:
1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
4XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
5XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
6.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 2021-01-24
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
GM Financial Jointly owned car loan has been current since XX/XX/XXXX and all 3 credit bureaus have not updated their status since XX/XX/XXXX. I have made 3 consecutive payments and have disputed the account and nothing has changed and it is now going to XXXX with the same delinquency, I am a spouse of a U.SXXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX  XXXX has been paid and closed and they reported me late from XX/XX/XXXX to XXXX XXXX i keep disputing it but no resolution. i keep me from purchasing a home. my mortgage current is greatly affected. I had medical necessary XXXX and sent documents of financial issues but no response and I was taking care of my veteran husband

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: W&A Intermediate Co., LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wake associates reported on my credit report and I dont have an account with them and never has. The have a different name address and date of birth on the account they reported on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, INC.
State: NC
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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor :XX/XX/XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XX/XX/XXXX XXXX XX/XX/XXXXAccount : XXXX Creditor : DEPT OF TREASU Account : XXXX Creditor : XXXX XX/XX/XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2021 I returned home from a trip and found a Chase Freedom credit card in my mail which I had not applied for. this is a concern of predatory lending by sending a card I had not applied for and a hit against my credit which I am requesting is reversed. I called the company which resulted in numerous instances of terrible service. 
-1st person I called as a offshore call center and the agent could not help nor provide me with any detail. She transferred me to the Fraud department where I received a closed message.

- I called back and spoke with XXXX who seemed to have limited English. I asked to speak to an onshore agent and she said she would transfer. I waited for 10 minutes with " dead air '' before hanging up and calling back. 
- 3rd call and spoke with XXXX and asked to be transferred to a supervisor. He said okay and the call was disconnected- he appeared to hang up. 
-4th call I made and XXXX answered the phone. I asked to speak to a supervisor and after a wait he transferred me to XXXX onshore. I explained the situation to him and he said I needed to speak to the Fraud team. I was transferred to XXXX after another XXXX minutes. 
-Spoke with XXXX for 15 minutes and again shared the issue and as she was processing the dispute and closing the card the call got disconnected. 
I gave up a good portion of a Saturday morning dealing with this lousy company without any resolution. They should be investigated for sending a live card to someone who has not applied. Further more the customer service generally stunk, XXXX was helpful but the rest were not and it took to long. Additionally they should remove any credit checks that were done during the application process and close my card. I have frozen the account but need it closed. Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
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:
Transunion is still reporting a negative account on my credit file that the company has agreed to delete XXXX XXXX XXXX XXXX letter is attached from the company saying it will be deleted

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 2021-09-18
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail on XX/XX/2021 from XXXX XXXX XXXX XXXX claiming that Paypal has sent my account to collection in the amount {$9100.00}. I have once opened a Paypal credit account in my life, and my one and only Paypal account is in good standing. I have no idea how this outrageous amount of money was tied to my name. Seems like a feeble attempt to extort money out of hard working people. I do not have any collections shown on any of my credit reports, nor do I have any debts shown to Paypal on any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$340.00} Date Opened XX/XX/XXXX < -- - NONE OF ALL THESE ACCOUNTS ARE MINE, HOW IS THIS VERIFIED AS ACCURATE? NO WRITTEN, ORAL, OR MAILED NOTICE TO ME. HOW ARE THESE COMPANIES LISTED NOT GETTING SUED? SHOULD I SUE?

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 2023-01-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: AMERICAN EXPRESS COMPANY
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
One of our company credit cards was stolen. The x-employee charged over {$7000.00} in personal items until we found out what was going on. I reported the fraud to Amex. I was told the fraudulent charges would be removed and it would be " investigated ''. I called many times over a period of over 3 months. Amex decided that although the card was used fraudulently, and the man was convicted of fraud by local police for taking this card and shopping with it, and the man is in prison because of this, they decided they would not remove the charges or the interest accruing over these months on the amount, and that we must pay for all of the fraudulent charges. The reason given was that this employee had been given the card previously and authorized to use it to put gas in a vehicle for company use. Any previous authorized use was authorized, and paid. Not the same thing as stealing it and identity theft, for which he has been convicted. These charges are fraud, and under the terms Amex states for it's cards, any fraudulent charges will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Synovus Bank
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Four charges were charged to my debit card all on the same day XX/XX/2018 to a XXXX XXXX XXXX. 
1st Terminal XXXX XXXX XXXX  # XXXX XXXX amount XXXX 2nd Terminal XXXX XXXX XXXX # XXXX XXXX amount XXXX 3rd Terminal XXXX XXXX XXXX # XXXX FL amount XXXX 4th Terminal XXXX XXXX XXXX # XXXX FL amount XXXX TOTAL XXXX Who ever stole my card number I want my money back! NOW! Yes I will file charges. Reported to bank, XXXX, XXXX, Identity Theft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a customer of Wells Fargo since XXXX having recently closed my bank accounts due to these ongoing issues. I procured my WF credit card in XXXX and it has been down hill since then. Wells Fargo is mismanaging my credit card and you need to know this. Payments have disappeared, money has not been credited to account, automatic payment form has a forged signature, and credit line changed without contact, and more. This mismanagement is so egregious that their own employees have agreed that there has been improper handling of this account. 

I have been dealing with issues on the credit card for three years and nothing has been resolved. Talked with three different people in executive office, numerous branch officials, and countless phone customer service agents. This led me to close accounts with WF to never bank there again. 

This is in line with their previous illegal practices which I do not mind seeking litigation for this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 items on my credit report were incorrect when I reviewed them. 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 without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX 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 2021-09-18
Company: EQUIFAX, INC.
State: MN
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:
So a credit repair agency has been sending out letters on my behalf to these credit agencies and in XX/XX/2021 my score went down again 59 points all because those letters were sent out and these students loans are so old I dont know why they are still on credit report after I complained about them to this company and Im paying a credit repair agency. Why is it so hard to remove student loans over 8 to 10 years old. Why is my credit getting damaged so bad when all the credit repair agency did was send out letters? And just 2 days ago my score went down -48 points because I missed only my first payment on my credit builder card. I made all my payments on time with that card and the one time I didnt -48 points and I owe only {$67.00} on that card! That doesnt make any sense too me Im so XXXX angry!! Ive complained about this in XXXX to this complaint agency and now I have to do it again. My credit score was at XXXX before all of this now its under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: WV
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:
On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( this one is also on my XXXX report ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( I 'm not sure what XXXX is )XX/XX/XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.

Company response to consumer: Closed with explanation