BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX, 2017, I transferred a balance from a XXXX XXXX to a XXXX card offering a better interest rate. By the end of the month it was shown reflected correctly by two of the three credit bureaus. TransUnion to date has not corrected the balance to the visa card, despite filing 6 disputes through XXXX and one filed directly with them. I have contacted my bank twice and they assure me that they are indeed reporting the update to all three credit bureaus. Since two have managed to report the change accurately, I believe my bank. Transunion meanwhile is reporting the transfer to XXXX, however is still reporting the same amount still owed to XXXX. Needless to say my Transunion score is about 100 points less because of excessive credit card use.

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent them a letter on XX/XX/2018 and then I sent them another letter on XX/XX/2018. They sent me a letter stating that because of this they get to extend their time investigating the items. Each letter stand on its own date and Certified Mail Receipt and I will not be extending the time for investigating the information. The law states 30 days from a complaint, whether another letter is sent or not. The second letter had other items on it, but the first letter still stands from the original date of XX/XX/2018. Thank you and I have enclosed a copy of the letter they sent me.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX;XXXX XXXX  (Original Creditor: 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 2020-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo allowed fraudsters to open up an account which we wired money to after our title company was hacked ( $ XXXX ). We were able to stop the transaction with the help of the FBI and local PD and recover the money, however Wells Fargo has not released our funds and will not give us an answer as to when our funds will be returned to our account ( with XXXX XXXX ). It has been over a week, and we are going to now lose our home along with the $ XXXX deposit we have placed. We have made numerous phone calls to Wells Fargo and have transferred to a different department everytime who is supposed to be handling this case. We have case number, however no one seems to be able to answer when our funds will be returned, and blame XXXX for the delay. We have spoken to XXXX, who has been able to show us the things that have been sent to Wells Fargo per Wells Fargo request. For all intents and purposes, Wells Fargo is holding our money " hostage ''. We need help, and no one seems to be able to help us

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 2020-05-21
Company: EQUIFAX, 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 {$2600.00}, {$21000.00}, {$23000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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 {$2600.00}, {$21000.00}, {$23000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -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 2020-05-21
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am very upset. My rights are being violated, and I can not tolerate this. This is about a Hyundai Capital America account. Here is the account information : Account # XXXX, opened date XX/XX/2017, original balance $ XXXX. 

This company is violating the California Credit Reporting Act. I am demanding a fair solution to this matter Just want to mention some violatoins that they have committed : - Inconsistent credit reporting across bureaus. 
- Failing to investigate account. 
- Unfait business practices. 

Please send the attached documentation to Hyundai Capital America. 

Thank you very much.

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 2019-08-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a Certified letter to XXXX XXXX on XX/XX/2019, stating that I was never late on my mortgage and on my credit report it should say ACCOUNT CLOSED AND PAID AS AGREED. I called XXXX them on XX/XX/2019 and they had know Knowledge of me or my account. Please ask XXXX XXXX to please report no closed and paid as agreed.Thank 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 non-monetary relief
Consumer complaint received 2019-11-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I use XXXX to monitor my credit scores ; they reflect XXXX and Equifax. 
The information between these two Credit Bureaus is widely different. Even when they are reporting on the exact same accounts. 
I have filed disputes with both bureaus regarding two different " collection '' accounts. XXXX XXXX XXXX and XXXX XXXX are the supposed accounts that I owe money to. The disputes I filed have only been addressed to the Collection agencies, who have nothing to lose by claiming these accounts are delinquent. However, I am actively a customer of both XXXX XXXX XXXX and XXXX XXXX, so if the Credit Bureaus were to contact THEM, they would know I am not behind in any payments to these corporations. 
So XXXX dropped on of these accounts, while Equifax maintains I owe these funds. 
I received an email from XXXX XXXX that states my credit score went up 57 points! However, when I review my credit through them, no such increase is visible. And how can these agencies report such inconsistencies between the same lender, XXXX, XXXX XXXX? Nothing has changed since I started paying them and yet they show different payment amounts and/or different balance decreases. 
How are we supposed to know what is accurate and how can we hold these reporting agencies accountable for what they report?? It is like " little man '' kept down by THE MAN ... .it is ridiculous that these bureaus can dictate who can get a car, buy a house or not!! What can an individual consumer do to fight these inaccuracies? Seriously? 
My little letter to you, will it really make any difference that I am trying to understand how our information is gathered, collected, reported and monitored? I know I am not the only consumer to have such issues and I respectfully request some insight, if not interference with these credit agencies. Do they have all of your information correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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:
On XX/XX/XXXX I received a preapproved offer through XX/XX/XXXX for a XX/XX/XXXX unsecured personal loan at just over 23 % through XX/XX/XXXX. The loan would have been used to pay off credit card balances which would have improved my credit score allowing me to refinance my home. When I accepted the preapproved offer a hard inquiry went on my credit and  they changed the offer to a secured loan against my autos. I let the person on the phone know my vehicles have loans and I wasn’t applying for an auto loan. The lady told me that the company charges 33-37% on unsecured personal loans. Had this been disclosed up front I would NEVER have applied. If this was somehow, someway disclosed, it was hidden at best. I believe it was outright fraud via bait and switch. I would like the inquiry removed from my credit report. I called the credit dispute of XX/XX/XXXX and was told I could write a dispute but it would not change anything .

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 2019-03-13
Company: Experian Information Solutions Inc.
State: MI
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 asked for verification that I utilized these services that they reported my delinquent payment Collection : XXXX XXXX. Amount : {$75.00} Original Lender : 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 2020-05-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX  XXXX  {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX  XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX 10 ) XXXX  {$500.00} 11 ) XXXX XXXX XXXX  12 ) XXXX  XXXX XXXX XXXX   {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: NJ
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 federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX XXXX be on my credit? How? XXXX XXXX  XXXX???? without out me noticing it. Please I need this off my credit including XXXX XXXX, XXXX and XXXX  inquiries. Please Im sorry but Im stressed.

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 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: MI
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 requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXXXX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXXXX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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 sent a Certified letter to all three Credit Bureaus and the XXXX XXXX and never received any documentation with Validation that this fraudulent credit was 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 explanation
Consumer complaint received 2021-01-24
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX I sent The Moore Law Group ( debt collector ) a letter asking them to prove their claim and to let them know I am represented by an attorney. On XX/XX/XXXX I received a threat letter from them. Both letters are attached. Their reply is no way to respond to a letter and their reply to me is in and of itself a violation of the FDCPA on top of the other violations. I am requesting that the CFPB investigate and have The Moore Law group contact my authorized representative.

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 2020-05-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$21000.00}, {$23000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -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 2020-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The reason I am filing this additional complaint is that there does not seem to be a way to update complaints once they are main. You already have 2 complaints on the same matter. 

Here is the update : There have yet to be any response from Bank of America. I filed a complaint with this through the FDIC. A bank should have a fax # and an email address in order to resolve this sort of thing, so that person who has been injured due to the bank 's incompetence should not have to file separate complaints with multiple financial regulatory and law enforcement agencies. 

This is the gist of the problem, as I am block copying this free a complain on the same matter just a few days ago. 

I have provided this information. See complaint XXXX ; Your complaint form did not allow me to add information and that is something you should fix. A key problem here relates to the Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, North Carolina, as the Bank of America has been remarkably negligent and uncooperative, not providing a valid fax # or email address. This has been going on with other victims since at least XX/XX/XXXX and with me the scam involves a bit more than {$120000.00} lost. The account with Bank of America involves XXXX XXXX, the scammer 's money mule, as well as a scammer clone of XXXX XXXX XXXX XXXX. There are numerous law enforcement and financial agencies involved. I am providing you with about 1/20 of the material I have and I would like you to look pages 1 and 2 of the PDF attachment, as they provide the account information and XXXX XXXX XXXX XXXX 's fake website, so you can see the full extent of my loss.

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