BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
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: Account status incorrect

Complaint:
My direct student loan accounts were in a defaulted status at the beginning of the year and my XX/XX/XXXX income tax refund was intercepted on XX/XX/XXXX to pay off the defaulted student loans. However, the accounts are still reflecting as seriously past due on each of my credit reports and the credit bureaus have not been willing to correct this information.My dispute letters were sent out on XX/XX/XXXX and no updates reflecting the account as current have been made

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 2023-06-21
Company: Radius Global Solutions LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account was paid in full and continues to show on my XXXX credit report. This was paid off XX/XX/2020. This is showing that it's in collection which is wrong.

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 2020-09-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one.

When I apply for credit I expect the creditor to ask which credit report they want unlocked to review. However, XXXX does not seem to comprehend this and after 3 representatives yesterday, repeating my question 17 times over a course of 1 hour and 7 minutes, I hung up.

FCRA rules are not being followed and it makes it hard to obtain credit that way. 

If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX, then perhaps legal action should take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018 a collections showed up on credit report saying I owed XXXX in the amount of {$140.00} at an address in XXXX, Michigan which I have never been or lived. I immediately filed a theft report with this company and also a police report. After about 3 weeks this was removed from my credit report. I thought all was fixed until XX/XX/XXXX a collections company called I C Systems ( XXXX ) XXXX showed on my credit report for the same account with XXXX XXXX XXXX ) XXXX fraud dept ) ( XXXX ) XXXX for the amount of {$140.00} with reference number XXXX. I have called all numbers that are possible and no one willing to help. So basically XXXX has swept this under the rug and decided a few months later to try and collect again very bad business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
I have sent a total of three letters to TransUnion in reference to accounts listed on my credit report asking for verification. They do not comply with the information requested in my letters to verify the accounts and they do not delete the accounts that they claim to verify. 

Letter Number 1 was sent on XX/XX/2020 Letter Number 2 was sent on XX/XX/2020 Letter Number 3 was sent on XXXX XXXX, 2020. 

I have copies of all three letters that I have sent in addition to return receipts that were requested with each letter.

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 2018-08-03
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I requested money on paypal from my aunt for {$1100.00} to repay me for purchasing a hotel for a trip. In the money request it did not ask that I designate it as a friend to friend transfer ( no fees ) or a business transfer ( fees ). My aunt said there was no option to designate as a friend to friend transfer or a business transfer so she just clicked pay. I was charged {$33.00} for the money transfer. I asked paypal to refund the fee because we didn't see options to not pay the fee on the request end or the payment end and they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX an online transaction of {$500.00} was withdrawn from my savings account. 
I did not notice this transaction nor was I notified by the bank through an email or text message. 

XXXX an online transaction of {$4200.00} was sent to my XXXX XXXX account. I did not notice this transaction nor was I notified by the bank through an email or text message. 

When I noticed the online transactions, I contacted both Wells Fargo and XXXX XXXX XXXX XXXX. All accounts were closed at both banks and new accounts were established due to my complaints. I was notified by XXXX XXXX XXXX XXXX that funds of {$4200.00} was transferred into my XXXX XXXX account. However, XXXX XXXX stated that the funds was returned to Wells Fargo to an account by the name of XXXX XXXX. XXXX XXXX XXXX XXXX requested Wells Fargo return the funds, but received no response from Wells Fargo. I do not know anyone named XXXX XXXX nor did I authorize the two transactions. I submitted the XXXX XXXX XXXX XXXX letter on XXXX, that stated my claim was found valid. On XXXX the letter was re-faxed due the the online fraud claims department stating they had not received the additional information. After the second fax on XXXX, I received a letter with a post mark of XXXX, the letter inside was dated XXXX. I do not think the online fraud claims department gave proper consideration to the additional information submitted on XXXX. On XXXX, I called the online fraud claims department and explained the letter I had received, I was told to call back by XXXX. After several months of appeals, Wells Fargo denied my claim and stated on XXXX, that this matter would have to be settled outside Wells Fargo.

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 2019-03-08
Company: Ad Astra Recovery Services 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:
XX/XX/2018 - I sent a letter to have Ad Astra please remove the collection on my account because I was a victim of identity fraud and the account wasn't mine. 

XX/XX/2018 - They replied with a letter stating that it was my account, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
It has been drawn out into the open that you are not hindering records 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 lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  Balance : {$15000.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$35000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, 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 2021-10-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've been battling with Experian since XXXX regarding the bankruptcy they're reporting. 
At first they claimed that XXXX XXXX was the furnisher of information regarding bankruptcy. 
XXXX XXXX deleted bankruptcy. I brought that to Experian 's attention. Then Experian claimed the Courthouse gave them the bankruptcy information. I sent Experian a copy of letter from both the Courthouse and XXXX, both stating that they do not report to any consumer reporting agencies nor do they confirm bankruptcies. Furthermore, due to privacy issues no one 's full social security number is ever listed in XXXX therefore making any supposed bankruptcy unverifiable. When a disputed item is unverifiable it must be deleted by the credit bureau. 
Experian has basically committed fraud by switching up who they say the data furnisher is and that bankruptcy has been properly validated/verified. Experian is in violation of the FCRA and my consumer rights.

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 2020-07-09
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: Personal information incorrect

Complaint:
I have tried to resolve this problem with Experian several times in the last year. I sent them a letter in XXXX proving my correct address and another letter last week proving my correct address which is XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I have been a home owner at this address for 3 years. My FICO score is at XXXX but it should be close to 800. Experian 's poor record keeping has contributed to this mistake. It almost seems like it is intentional misconduct to keep a consumer with an excellent credit history like mine low ...

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 2022-10-05
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax reporting inaccuracies on my credit report the third time and keep hurting my score it was remove from my credit profile XX/XX/22 and was report back XX/XX/22 in less than 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
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, 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Uber Technologies Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 at XXXX I took an Uber ride in California . I had it setup to  charge a differnt card on file. Well for some reason Uber claims the charge didnt go through which I beleive it did. I had it setup on a virtual credit card. Well on XX/XX/2018 Uber decided to just randomly pick a differnt card even though I never authorized them to charge my card ending in XXXX charged it on XX/XX/2018 in the amount XXXX which was 6-days later. This charged was NEVER LEGALLY AUTHORIZED by me to allow UBER To charge this car. 

I submitted a complaint for a full refund. I was going back and fourth with uber for over a week now. Each time getting a diferent customer service rep with a differnt answer. 
But finally on XX/XX/2018 I was told by UBER that I would be getting a FULL REFUND to my card ending XXXX. 
After waiting a couple days on my refund it never came. So I reached back out to Uber to ask them to were is my refund and then I get a different answer that I wont be getting one. This company told a LIE, then said I would be getting one. 

So basically they illegally charged my card which I NEVER AUTHORIZED, then told me I would get a refund. Then changed their mind and said no I wouldnt. I beleive thier business pratices is ILLEGAL. 
Not to mention I requested a supervior, or manager call me to discuss this situation but the only thing I do is keep going back and fourth with UBER in regards to the charge. I am requesting a FULL REFUND IMMEDITATLEY. 


XX/XX/2018 DEBIT CARD DEBIT / XXXX UBER TRIP XXXX auth # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.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. I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I received a payment of XXXX to my checking account with US BANK, the moment I received my funds they issued an hold on my account for whatever reason they didnt disclose to me. XX/XX/2020 I went to My home branch at XXXX where I was told I have to wait til XX/XX/XXXX to speak with the branch Supervisor to take the hold off my account. Here it is XX/XX/XXXX at XXXX I spoke with the Supervisor who told me they sent my payment of XXXX back & closing my account as well so I would receive a check in the mail of my previous funds within 7 to 10 business days. Here it is XX/XX/2020, 3 WEEKS LATER I called US Bank this morning to see whats the status of my check ... turns no check was ever sent out b/c MY ACCOUNT IS STILL OPENED it was never closed & my account still have the XXXX in it ... meaning US Bank employees LIED TO MY FACE!!!! They didnt close my account nor sent my funds back in which they are still holding my funds & will not release it. This is very unprofessional on a banks behave also such a BIG INCONVENIENCE during this pandemic we all are battling with.

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 2018-10-01
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I began receiving debt collection calls from XXXX-XXXX-XXXX, NCC Business Services. The first call that I can remember was Friday, XX/XX/2018. 

The debt is regarding a past due rent at an apartment complex, however I have never received any documentation from the collection agency. The amount is approximately {$1000.00}. 

The representative on the phone tells me how much I owe, but has not provided by mail any sort of documentation. I have told the representative that the address on file is not correct, but no attempt to fix has been made. 

I am willing to pay the portion of the debt I am responsible for, but not without written promise that it will not be reported to credit bureaus. The collections agency refuses. Im obviously not willing to pay without this written promise, as well as not being able to see the documentation. 


To this date, I have no received any documentation from collection agency regarding the amount or that I have right to dispute. I have not lived in former apartment complex for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an alert from XXXX that an change was made to my credit report. I then determine the change was the reporting of a {$1400.00} medical collection debt from Common Wealth Financial Systems. I have received no prior correspondence from Common Wealth prior to negatively impacting my credit. I then contacted them via phone and was informed that it was for a 2012 XXXX bill for my daughter. I informed that Collections agent that I was not aware of any charges due from 2012. How is it legal for the Collections agency to impact my credit without me receiving a notice of right to dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
excessive calls within a time period. continuing to call old numbers when repeatedly told that the person does not live there any longer. this is harassment! I receive upto 10-15 calls a day from the same number, and an old phone number I had received 3 calls in a 1 hour period from the same number after being told I don't live there any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18
Company: McCarthy, Burgess & Wolff, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to get this alleged debt validated. It started when XXXX sold the debt to XXXX XXXX XXXX XXXX. I got a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent them a validation letter on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond. So I sent another letter on XX/XX/XXXX, that was also not responded too. According to XXXX XXXX, XXXX they sent me an email requesting payment for the debt. I never gave anyone authorization to email me about a debt or payment of alleged debt. Well guessing the alleged debt was sent back to XXXX. XXXX yet again sold it to McCarthy , Burgess & Wolff , Inc . I sent in a request for validation on XX/XX/XXXX certified mail. I have sent validation letters to XXXX in XX/XX/XXXX and XX/XX/XXXX. I also sent 609 letters to XXXX and XXXX   about this alleged XXXX debt. Everytime it comes back as " verified ''. But no proof as to how they verify it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation