BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in response to the recent investigation conucted by the Credir Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed accounts. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the acccounts must be promptly updated or deleted according to Section 1681i ( a ). 

1. XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} 2. XXXX XXXX XXXX XXXXXXXX Balance {$600.00} 3. XXXX XXXX XXXX XXXXXXXX Balance {$7200.00} 4. XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} 5. XXXX XXXX XXXX XXXX Balance {$3600.00} 6. XXXX XXXX XXXX XXXXXXXX Balance {$6400.00} 7. XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} 8. XXXX XXXX XXXX XXXXXXXX Balance {$3000.00} 9. XXXX XXXX XXXX XXXXXXXX Balance {$6100.00} 10. XXXX XXXX XXXX XXXXXXXX Balance {$5700.00} 11. XXXX XXXX XXXX XXXX Balance {$2900.00} 12. XXXX XXXX XXXX XXXXXXXX Balance {$2800.00} 13. XXXX XXXX XXXX XXXXXXXX Balance {$4200.00} 14. XXXX XXXX XXXX XXXXXXXX Balance {$2800.00} 15XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} 16. XXXX XXXX XXXX  XXXX Balance {$1100.00} 17. XXXX XXXX XXXX XXXX Balance {$2800.00} 18. XXXX XXXX XXXX XXXXXXXX Balance {$250.00} 19. XXXX XXXX XXXX XXXXXXXX Balance {$5800.00} 20. XXXX XXXX XXXX XXXX Balance {$3200.00} 21. XXXX XXXX XXXX XXXXXXXX Balance {$4100.00} 22. XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} 23. XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} 24. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection accompanies do not have a contact with my signature.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : {$6.00} and XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}.

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 2022-09-29
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For 3 months unbeknownst to me someone was taking money out of my business account. The total of {$6500.00} I noticed it on XX/XX/XXXX. Because I didnt report it sooner, they only refunded {$1300.00}. They have repeatedly refused to return the money. The businesses were not real businesses and I was never alerted to these withdrawals. This was from XXXX through 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 2022-08-02
Company: EQUIFAX, INC.
State: CA
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXXXXXX Late Date XXXXXXXX XXXX XXXXXXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan account was supposed to be on a 6 month forbearance status as of XXXX 2019, however in my credit report file it states in XXXX of 2019 my loan was 90 days past due, and in XX/XX/2019 it was 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received two phone calls back to back from " USAA '', I answered the third call where a professional man greeted me and told me he worked with USAA in the fraudulent team. He said I had 3 pending charges in NC and SC and needed to verify my identity/charges to prevent the potential fraudulent charges from occurring. The first charged in NC he said was for {$900.00}, the second one was from a grocery store ( XXXX XXXX I believe ) for roughly {$500.00}. I confirmed those were fraudulent and confirmed I have not been traveling and was located in XXXX. He asked to verify my online ID and I gave him the wrong one which he informed me his system did not recognize that and I found the correct one and gave him that. He then asked for my password and that is when I questioned him and told him I've had previous fraud notifications on my phone and calls from the fraud department and they never asked for my password why was he now? I was busy multitasking with work at the time so wasn't thinking straight and he never answered my question just reassured me he was who he said he was. So I gave him my password and he sent a login verification code to my phone as he was logging into my account. He mentioned a {$5500.00} wire transfer was going to hit my account for the hardship the fraud has caused, but it would be taken out within 30 minutes. While on the phone he deposited {$4900.00} into my savings account. We got off the phone, and I noticed shortly after {$5500.00} was taken out of my savings account and I called USAA immediately to see why they took out more money than they deposited in and realized I was being scammed at this point as they drained all 6 of my accounts transferring money out through XXXX. USAA submitted a report to their fraud department, and we should hear back with 3-5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: MS SERVICES LLC
State: CA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I did multiple international wire transfers with US Bank and provided all the corrected information. The beneficiaries never received the money since the transaction was rejected by their banks. US Bank has started XXXX business cases stating that the bank needs to reject the transactions which they already did. The banks do not receive in local currency XXXX XXXX XXXX XXXX XXXX ) and also the amount is not allowed. US Bank sent in local XXXXXXXX XXXXy in XXXX. I have all receipts, documents and support documentation. US Bank does not provide update, answers my phone calls and do not take any actions. This was my life savings over $ XXXX for a purchase of a XXXX XXXX XXXXXXXX. I am desperate since they do not provide any support which they mentioned to me to be the safest way to transfer large amounts of money. They treat me with despair like a I am a second class citizen.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Last year, I received a credit report from TransUnion because I had a question about our FICO score. Our FICO score dropped from in the 800s to almost 700. So when I received the report it showed a credit card from XXXX showing a {$520.00} bill ( which we had not EVER received a monthly statement for ). I called XXXX right away, and they couldnt give any information other than we had not received payments for months + finance charges. I paid them the full amount over the telephone, because they had my name, etc. ( My mistake ). Meantime I have made telephone calls to XXXX, was transferred to 3 different representatives after explaining what the problem was and they said that I had to be transferred to the credit card department. They couldnt help so I was transferred to XXXX, who had one of the errors on their report and said they would delete an address which I had never lived at, they then transferred me to another credit reporting company, who then told me I would have to call TransUnion, since they sent me the report to begin with. Again for the 6th or 7th time I explained everything from the beginning. Even though they had my name and former and current address and telephone numbers, they couldnt give me the lenders name for another womens name and 2 unknown addresses that was on my report. I dont know what to do, I have been on the telephone for hours. I am thinking possibly she hacked my credit card and charged something, and I am the one that paid for it. I cut up after that all my credit cards except one. From the beginning I was told if I did not pay it, my credit would get worse. Why, if TransUnion had all my info could they not get ahold of her? Especially, her name was on my report or XXXX if they had her name and 2 addresses for her so I could possibly get my money back. We have always paid our bills and loans on time or before the due dates and paid them in full. Would you please be able to help me? Thank you so 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$34000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened  XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

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 2022-08-02
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-13
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
United Revenue Corporation has violated my rights according to 15 U.S.C 1692g- Validation of debts section ( a ) Notice of debt Contents, also 15 U.S.C 1692g- Validation of debt section ( B ) Disputed debts. I am disputing the following accounts XXXX, XXXX, XXXX. I sent my dispute letter Via XXXX certified mail tracking number XXXX it was delivered XX/XX/2022. I did not receive any return mail within 5 business days after XXXX received my dispute to acknowledge that their company has received my dispute and or working to investigate it. Nor did I receive any documentation as to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
State: MN
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:
I recieved a call that someone from another state was trying to make a XXXX charge at XXXX. I informed Wells Fargo that I didnt authorize this. They closed my card down and issued another one. Within 24 houra of them issuing another card, my card had been charged in XXXX in excess of XXXX. They have denied my claim and I never authorized the charges, nor had I even recieved my card.

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 2021-01-17
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On Friday the XXXX, I called Ally Financial to get a payoff quote for our van, which was around {$5700.00}. I told them the check would be in the mail the next day & it was sent out by certified mail on Saturday the XXXX so that I could track it and it would have to be signed for. On Monday the XXXX, Ally Financial issued a repo order. My payment was received on Wednesday the XXXX and entered into their system the same day, which I have confirmation of. The van was repossessed on Friday the XXXX without notice from either Ally Financial or the repo company called XXXX XXXX. I only learned about the repo because I woke up Friday morning to find the van missing and I called the police to report it stolen. Multiple employees at Ally Financial claimed the payment I made never existed despite tracking number confirmation of it's receipt and the tracking on the slip that had to be signed upon it's receipt. Ally Financial had my wife wire them {$5000.00} from XXXX XXXX on Friday the XXXX & another {$1100.00} on Saturday the XXXX, and when I called on Saturday to confirm they had received the second payment I was told they had begun processing the check they had been claiming they had never received. I was also told they started processing the check after receiving the {$5000.00} payment, but the person I was talking to said it made no sense since it was started after everyone was supposed to have left. In other words, someone or a group of people was trying to turn a less than {$6000.00} payoff into one around {$12000.00} while claiming the original payment was never 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 2022-10-21
Company: JPMORGAN CHASE & CO.
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: OR
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 XXXX XXXXXXXX XXXX  Reference number : XXXX has violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a 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 explanation