BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Grain Technology, 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:
The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. XXXX XXXX XXXX XXXX - bal : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with XXXX ( XXXX XXXX XXXX, XXXX ), GRAIN TECH ( XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX. ) XXXX  XXXX : XX/XX/XXXX account number XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX : Account number XXXX XXXX, XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) XXXX XXXX : account number XXXX {$26000.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX : Account number XXXX {$4500.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX  : Account XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX  account number XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX. XXXX XXXX account number XXXX {$130.00} XX/XX/XXXX car and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX XXXX XXXX XXXX XXXX  account XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXXXXXX  account number XXXX XXXX XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So fXXXX XXXX XXXX account see XXXX XX/XX/XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 Wells Fargo sold my family home in an auction claiming that paper work was mortgage transfer was not submitted on time. I explained that o was handling everything out of state due to the fact that my family member was sick and XXXX so I was not in XXXX at the time during this process but I was communicating and in correspondence with everything they asked of 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 2023-07-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My wife and I applied for a mortgage refinance. The lender obtained a report from Experian. Experian then sold my information and the fact that I was seeking a mortgage to multiple other lenders. As a result, I, my wife and our business has been inundated with phone calls. So many calls that I can not operate our business as the phones are ringing constantly. 

My personal phone is ringing as I am typing this. I simply can not answer my phone.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB, I am writing to make a complaint about several TransUnion violations. 

According to : 15 USC 6801 states ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

All that is listed below is in violation of the above code : 1 ) XXXX account is in violation because it was originally opened in 2003. This account was charged off and taken to court. It has surpassed the 7 year limitation of reporting. 

According to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

2 ) There is a name ( XXXX  ) associated with my credit profile that I have NEVER USED. There are discrepancies between my credit profile & my credit report. Please see attached docs. 

3 ) There is a discrepancy with XXXX  loan account for {$12000.00}. It is reporting open on my profile but not my report. Please see attached. 

4 ) I am requesting that ALL inquires be removed immediately. Most of those compaines I do not recongize and I suspect idenity theft and fraud. 

5 ) I am also requesting that the below accounts be removed : XXXXXXXX XXXX XXXXXXXX ALL 4 of the DPT EDXXXX accounts The items on my credit report is causing me significant harm. It is making it difficult for me to obtain a loan and is preventing me from purchasing my first home at a lower interest rate. I am also concerned that this is damaging my reputation. 

I am reserving my rights to privacy and I have never gave written consent for my info to report to Transunion ( FCRA 15 USC 1691 Section 604 ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) Because of this, ALL of these items are in violation of 15 USC 1681c-2 ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of... 

I am requesting that the CFPB investigate this matter and help me get these items removed from TransUnion immediately. I have attached supporting documentation. 

Thank you for your time and attention to this matter.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 

Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are currently loan reporting on my credit I do not know of or took out I never been to school in 2017 the fact that I was busy having my first child I never co sign or told anyone to use my information to get a loan. Although there are in good standing there are still invalid and unknown please remove the following : DEPT OF EDUCATIONXXXX Acct # XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXX {$6300.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$6000.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} The loan show up 6 times with different amounts

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 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-22
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:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit account and inquiries that are hurting my general reputation as a consumer. 
15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I AM A PROVEN VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have BBVA Visa Card one year and 2 month. Bad news, BBVA Visa replaced the card fourth time due to my card compromised three time with 14 month period. BBVA Visa someone inside leakage my information to third party and its charged in my account. I live in XXXX XXXX XXXX and all these fraudulent charges come from southern states of USA where BBVA have more activity. I did filed separate complaint against this bank about that. 
When BBVA issued the card last year they also offered 13 month 0 % APR on purchase and in their monthly statement in their second page they do provide information how much i owe on purchase and also showing 0.00 % due to offered and also say interest paid XXXX. They do not provide the information in their statement what date this 0 % APR going to expired date. Like other credit card do saying EXPIRED DATE of 0.00 % APR will expired, BBVA not provide complete information of 0.00 % interest of purchase expired. its make the consumer confusion and consumer think still o.oo % interest. When I received statement on line, I did paid all balance on the account and asked to refund the interest charges {$37.00}. On my phone call, BBVA representative Ms.XXXX did issued the ticket # XXXX on XX/XX/20. and she said it takes few days to see the credit in my account and also back office of BBVA have to approved it. yesterday when I was talking to other representative Mr., XXXX, Customer satisfaction dept, he did mentioned that still back office considered to refund the interest. Today, I received phone call from Ms.XXXX and she said she is higher officer and calling for my complaint on why BBVA blocked three card within 14 month and now i got fourth card. she still do not know why BBVA have this issue and compromised card several time. I want to bring all this information to CFPB to find why this bank BBVA have these issued and not provide complete information in their statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
The complaint contains multiple issues from what is advertised on the card overview, to the card fee schedule, to information provided by customer service. 

1- Customer Service stated that the card allowed 2 - Online transfers for free per month to a personal checking account, with a maximum of {$2500.00} per day. Attempting to make that transfer the maximum amount allowed was {$2000.00}. 

2- Fee Schedule ( Maximum ) website states the following, in contrast to the Fee Schedule and Cardholder Agreement on the same page : Maximum Daily Debits- 20 transactions and {$2000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$1500.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$1500.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month The Fee Schedule / Card Agreement states : Maximum Daily Debits- 20 transactions and {$6000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$4000.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$5000.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month

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 2023-10-30
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX unauthorized on XX/XX/XXXX, XXXX did not respond XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX not respond XXXX & XXXX XXXX XXXX XXXX inquiry- XX/XX/XXXX XXXX XXXXdid not respond XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX company unreachable to remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not respond XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX-unauthorized inquiry- did not respond XXXXXXXX XXXX XXXX XXXX, XXXX unauthorized/unknown inquiry-did not remove inquiry XXXX XXXX- XX/XX/XXXX, XXXXunauthorized inquiry- did not remove XXXX XXXX-XXXX XXXXXXXX, XXXX unauthorized/unknown inquiry-did not remove XXXX XXXX XXXX XXXX XXXX XXXXunauthorized/unknown inquiry-did not remove XXXX XXXX XXXXXXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX- XX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not remove XXXX XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX & XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX & XXXX XXXX XXXX XXXX, XXXXunauthorized inquiry-did not remove

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