BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My issue is that the credit bureaus must report accurate information consistent with the Fair Credit Reporting Act. I recently received two credit alerts ( on XXXX & XXXX respectively ) that XXXX dropped my credit score by XXXX points XXXX Transunion dropped my score by a whopping XXXX points, with no explanation provided. I've done nothing wrong. Didn't miss a payment. The credit bureaus should not be reporting negative score information as I am in good standing with all of my creditors & accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX  a servicer for us department of education, completely screwed up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiry, XXXX  up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX XXXX i intend to sue XXXX  for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF 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 2023-07-05
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: Information belongs to someone else

Complaint:
In contempt of the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, sections 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Kindly delete the following fraudulent items : 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 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 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MA
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: IL
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:
Hello! 

The Equifax breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

The reporting of the late payments are also not accurate!!! 
these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CFPB case number XXXX follow up I received a digital response from Wells Fargo to this report on XX/XX/. The cover email said the case had been closed. I could not open the file because it was corrupted. On XX/XX/, I received a letter from XXXX XXXX, Escalation Representative, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, cc : Consumer Financial Protection Bureau. 

Problem 1 ) The first two pages of this missal say the case is closed and no transactions appear on my statements after XX/XX/. This is clearly not true because the charge appears on the copies of my XXXX, XXXX, and XXXX XXXX  Wells Fargo statements which are in my files. 
Problem 2 ) XXXX XXXX included with the letter addressed to me at my home address in XXXX, AZ, twelve ( 12 ) pages of double-sided printouts of Wells Fargo Combined Statement of Accounts dated XX/XX/ and XX/XX/XXXX XXXX XXXX  as well as Wells Fargo Active Cash VISA Signatures Card XXXX account ending in XXXX, dated XX/XX/ to XX/XX/, and dateXXXX XXXX to XX/XX/. The identifying name and address on all 24 sides is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX. 

Not only has Wells Fargo refused to address my original complaint, but also Wells Fargo has now exposed another customer 's identity to me, a person who has no right to see XXXX XXXX 's financial records. I had spent months attempting to enlist Wells Fargo in efforts to rectify its records in relation to my own account. Not only is my own issue not resolved, but also Wells Fargo has created a situation in which another customer needs to act to protect her financial information. I must admit this makes me very concerned about just how all financial information is managed at 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 2023-05-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/ around XXXX XXXX, I received an email from Bloomingdales credit card service and informed there was a store purchase for {$3100.00} on XXXX cosmetics. It is at their XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York store location. But I was home and did not make this purchase. I immediately called Bloomingdales and filed a fraud claim. It was a presale until XXXX XXXX informed Bloomingdales to stop the transaction. On XXXX  I went to the local Police office and filed a police report. On XX/XX/3, I saw Bloomingdales still posted this fraud transaction. I called Bloomingdales on XX/XX/ and questioned why they didnt stop the transaction and still released the product to the criminal. They could not give me a clear explanation. I am very disappointed about the way that Bloomingdales handled the issue although I informed them when the fraud happened immediately. They still let the criminals took the products and posted charges to my store credit card. It is absolutely unacceptable!

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 2022-10-26
Company: Experian Information Solutions Inc.
State: LA
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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct this immediately : XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-05
Company: EQUIFAX, INC.
State: AL
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 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, I hope this time someone will help me resolve my issues concerning these 2 fraudulent accounts that have no valid authorization from me. Some have made use of my personal information and I kept reaching out to the credit bureaus with my Identity Report attached to my XXXX 's letter but nobody has taken this concern seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have contacted Barclays ban/gap card several times regarding an unpaid debt : I was dealing with XXXX XXXXXXXX and my credit and finances were used without my consent. Barclays contacted me several times but I was unable to pay. I have been contacting Barclays since XXXX of last year 2022 to settle the debt. I have been told on several occasions that the account was sold to another creditor and that I would have to wait until I am contacted. I have never been contacted and this is causing a hardship on me because I am trying to rebuild my own life as well as my children. I cant do that because this debt is holding me back. I cant pay it because for an entire year Barclays Bank cant even tell me who has the account. Ive been told by Barclays representative to call back constantly because they may get the account back. Every single time that I fall Barclays Bank has no information for me. However they wont remove the debt. I dont know what else to do.

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 2022-10-26
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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/remove these files. 
XX/XX/1968 ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
To whom it may concern : Hello, my name is XXXX XXXX, I would like to complain about the money transfer from the Bank of America. 

The money was sent from XXXX XXXX in XXXX to the XXXX XXXX XXXX XXXX XXXX ) through the Bank of America as a correspondent bank on XX/XX/2022, XXXX XXXX USD Reference number is XXXX, XXXX XXXX XXXX : XXXX The money and the source of income were checked in XXXX by XXXX XXXX. ( I have all the official documents from the selling my XXXX XXXX XXXX which I provided. ) The Bank of America asked an English version of the sales agreement, because the Russian-Turkish one was not enough for them, the additional agreement was sent as well to the BOFA with all the necessary signatures and stamps very fast. 

All the previous transactions to the XXXX XXXX XXXX was done properly and fast through XXXX XXXX. 

This is the first time I experience this situation, that without any reasons the Bank of America is keeping my money. The construction company is charging me penalty for each day of not paying, therefore I had to claim to CFPB, the registered number of my complaint is XXXX XXXX XXXX XXXX, I have all the necessary documents to attach such as XXXX, the agreements, the document that the money is in the Bank of America, the proof of two banks communication, the complaint and others. 

The XXXX XXXX XXXX is waiting for the money, so I would like the Bank of America to release my money and continue the transaction as it should be and it was not a problem before. 

ACCOUNT NAME : XXXX XXXX XXXX. XXXX. XXXX. XXXX XXXXXXXX XXXX. 

BANK NAME : XXXX XXXX XXXX 

BRANCH : XXXX ( XXXX BRANCH CODE ) CURRENCY : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX You can contact the construction company directly to ask all the needed information - XXXX XXXX XXXX company XXXX XXXX, XXXX - the official address : XXXXXXXX XXXX 
XXXX XXXX. 
XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX XXXX, the money will be sent as soon as possible to the receivers bank Best wishes, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a XXXX  subscription through XXXX  that I canceled on XX/XX/XXXX ; I have email confirmation from the merchant that the subscription was canceled on this date. Since then, I was charged by the merchant three times for {$9.00}, once on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. I reached out to XXXX  multiple times, who on each occasion have assured me that I do not have an active subscription and that I should not have been charged. Since I should not have been charged here on XX/XX/XXXX ( Dispute Number : XXXX ), XX/XX/XXXX ( Dispute Number : XXXX ), or XX/XX/XXXX ( Dispute Number : XXXX ). I contacted Wells Fargo by phone several weeks ago and requested that they block this merchant from charging me further since Ive made many additional attempts and requests to the merchant ( XXXX ) that they stop charging me, but I continue to get charged every month. Wells Fargo continues to deny these disputes and continues to deny my request to block this merchant from charging me, even though I have on each occasion provided more than sufficient documentation to substantiate each dispute.

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 2023-10-06
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX ACCT XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXXXXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise.

I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, 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