BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is the second time within the past six-eight months that Convergent has sent me notification about a debt I never owned. I brought the matter to the CFPB and it was removed from my credit report. Now they are at it again. 

I never purchased, scribed, sponsored or gave anyone permission to get service or a phone from XXXX XXXX. They claimed I owe {$1000.00} to this company. I do not! 

My credit score has improved and if they are allowed to introduced this again my score will be tanked again and it will set me back a second time for many months, even years.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: GA
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 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an account without my written instructions 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 or Any other adverse item 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 has reasonable cause to believe that 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 explanation
Consumer complaint received 2023-04-17
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I saw a promotion to receive {$500.00} after opening a US Bank Business checking account by XX/XX/. The promotion states I must deposit {$3000.00} within 30 days of account opening in order to receive the promotion. 

I went to my local US Bank branch XXXX XXXX XXXX and opened a XXXX XXXX XXXX account with an opening cash deposit of {$100.00}. The account was opened, I received login but the bank to bank transfers on their online portal was XXXX. I was sent an email by US Bank to make a deposit to activate the account by emailing XXXX with the deposit form which included XXXX and Routing info or to mail it to their po box XXXX I emailed the form on XX/XX/XXXX. On XX/XX/XXXX I received an email back stating the routing number was incorrect ( I left off a digit ). I corrected the form, emailed back XX/XX/XXXX and am still waiting till this day ( XX/XX/XXXX ). I emailed again today. 

I believe they are intentionally delaying responding so that they go past the 30day window so that they won't have to pay out the {$500.00} signup bonus. I see this as a form of fraud to get new deposits by using advertising one thing but not following through or purposely making it impossible to get by no fault of my own. 

I believe after the 30 day window passes, they will likely accept my {$3000.00} deposit and will try and get customers like me to keep it there for 60days and then fail to pay out the {$500.00} because the money was not deposited within 30day. 

Can you please investigate this?

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 2023-04-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, 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:
I did not consent to these inquires

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 2023-04-17
Company: SYNCHRONY FINANCIAL
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:
In accordance with the fair credit reporting act this creditor has violated my rights. 
under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2020-07-28
Company: Lending Club Corp
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/10 I applied for a credit card offer through experian. The notification stated the offer for XXXX XXXX issed by XXXX XXXX Experian had this as my top match for approval so I applied but I was denied. I understand things are subject to approval but after receiving the adverse action letter which stated the reasons for denial I quickly realized I did not meet any of their criteria for approval. Why then was this a top credit match when I did not meet minimum score, credit length, income, etc. which are credit basics. 

I would like to request the hard inquiry be removed as the credit match criteria did not fall along the parameters for approval in most of the guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
XXXX XXXX XXXX XXXX is inaccurate - provided valid information that debt and all corresponding data should be deleted as discharge agreement I have no responsibility for that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have reached out to Equifax twice to dispute the inaccurate bankruptcy they are reporting on my account. Each time their response said the account was verified. I took it upon myself to reach out to the courts that it reporting the bankruptcy. They told me that they have not verified any information with the credit bureaus. So clearly Equifax never conducted a PROPER investigation. This also explains why they are still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: PNC Bank N.A.
State: OH
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 XXXXXXXX XXXX there was provisional adjustment made on my checking account that had the original transaction date from XX/XX/ to the amount was for XXXX this was not authorized. It was done at a XXXX in XXXX Ohio my bank said it made several investigations to which they said it was a legitimate claim, I called XXXX an got in contact with their department that handles these transactions. They can not find any record of this transaction whatsoever. I have submitted at least 4 claims to the fraud department at my bank, to which they keep saying it is a legitimate transaction, but XXXX has no record of this transaction the person who is from XXXXXXXX from the credit customer service department is XXXX XXXX her phone number is XXXX. She can not find any record of this transaction. EMail XXXX I have been trying to resolve this with the bank and XXXX since XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Public record information inaccurate

Complaint:
On XXXX, XXXX I dispute with Transunion the Public Record Information on My report and they answer on XX/XX/XXXX with a verified response. They informed me in the letter the information came verified from XXXX XXXX, which is impossible because XXXX XXXX remove this item from my file on XX/XX/XXXX enclose the letter for your review.

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 2023-04-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an account with Wells Fargo and was charged a number of ATM fees for no reason. I also had a payroll check held for no reason and the account put on hold because they said the check was fraud. I closed my account with Wells Fargo however I feel I should be part of the consumer settlement however no one from the company contacted me. I guess they only provide the service for current customers.

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 2023-04-19
Company: VW Credit
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This loan was fully paid off on XX/XX/23, under a re-finance agreement with XXXX XXXX XXXX XXXX ( NFCU ), and as of today ( XX/XX/23 ) VW Credit has not released the vehicle title to myself or XXXX. 

I spoke with VW Credit on or about XX/XX/23 to confirm receipt of the payoff amount and to inquire about the title. At that time they indicated it would take 2 to 4 weeks and the title would be mailed directly to XXXX. 

I spoke with VW credit again on or about XX/XX/23 and was told it was " in processing '' and would be mailed directly to XXXX within the next two weeks. 

I was informed today by XXXX that they have still not received the title from VW Credit. I called VW Credit again. They now they blame a " vendor change '' for creating a " backlog '' of title requests. They can not provide me any timeframe for when I can expect the title to be released. They now say the customer service representatives from the prior phone calls should not have offered me any timeframe because of this " vendor change. '' XXXX has a policy requiring receipt of the vehicle title within three months of loan origination, which in this case was XX/XX/23, the delay between that and the payoff date being attributable to time-in-mailing. If the title is not received by the end of this three month window the loan will be converted to an unsecured product at a significantly higher interest rate. 

I have shared this fact with VW Credit and they still refuse to expedite my title or provide a timeframe for when we can expect it to be sent. XXXX XXXX 's policy is not unreasonable, XXXX months should be sufficient time for the title to be released and mailed to them. 

I am deeply concerned that through no fault of my own or XXXX 's I am going to be left on the hook for thousands of dollars in additional interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
have contacted Experian, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a 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 2023-04-18
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX : {$9800.00}.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is to XXXX, experian and XXXX, these agencies are showing previously deleted Late payments from XX/XX/2022. These inaccurate payments have now reappeared on my current credit reports. This A direct violation of the law below ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Also, reporting from the same account inaccurately credit utilization, payment status and worst delinquency categories across all 3 agencies from my " XXXX XXXX '' account. 

*XXXX  is reporting A balance of {$460.00} and utilization of 50 %. 
*XXXX  is reporting A balance of {$350.00} and utilization of 45 %. 
*Experian is reporting A Balance of {$450.00} and utilization of 57 %. 
This type of reporting directly violates the law below, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 I as a consumer sent via certified mail an affidavit of truth to TRANSUNION LLC Tracking # XXXX stating there were unauthorized inquiries on my credit report. 

TRANSUNION LLC received and signed for the affidavit of truth on XX/XX/2023. 

TRANSUNION LLC then sent a letter on XX/XX/2023 Ref : Explanation of the inquiries on Your Credit Report with file number : XXXX Therefore TRANSUNION LLC has violated my Fair Credit Reporting Act ( FCRA ) 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 2023-04-18
Company: Sezzle 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 disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.

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 2023-04-18
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I was declined the service in the XXXX branch of Western Union because I was not clear on their question which was Do you know a person Im sending money to Even though It is clear that the person ( first and last name ) I was attending to send money is already in the Western Union system. Also, the tailor has no way to identify if I really know the person or not and it is my business where and to whom Im transferring my money. 
The situation is not acceptable. Im paying a fee and should be able to send money without interference from the business Im using to get the job done. 
The XXXX branch has no business controlling me, my money, or my intentions. 
I have a video where the employee declined the service.

Company response to consumer: Closed with explanation