BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} ; 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 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 2022-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2022-09-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-07-28
Company: Experian Information Solutions 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:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

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 2021-03-31
Company: Money Management International, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I was referred to Money Management International by my bank as a method to overcome a mounting credit card debt issue pertaining to unsteady employment. I had previous consolidated with a personal loan but quickly built up the balance on my cards again. MMI set up 5 year plan, and most accounts are being repaid on schedule except for the largest account, the personal loan. In the nearly three years so far, several payments have come in close calls of being late. Despite the money being taken from my account the month prior. Check are lost and the follow up process is often left to me. This particular occasion a check was unaccounted for for nearly 25 days, and luckily my loan service reached out and I was able, with some financial strain, to make that payment directly. 

Reaching out to MMI they said they would send their research team on it, and would determine if the check was lost. I updated them with all the information from the lender and gave clear instructions to cancel their check and refund my payment. They refused to comply saying they must determine if other checks from other payers are included in that lost batch so therefore I must wait at their convenience to receive a credit. 

I spoke very clearly to the customer service a second time, after not receiving follow up from the research team, that I can not trust a company that puts the error of lost payment on my burden to solve and cover, let alone wait 30+ days for a resolution. I have not received any resolution and my financial status is strained because of this. I have never been late with my commitment to MMI and I feel trapped.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, 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:
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 explanation
Consumer complaint received 2023-12-01
Company: WELLS FARGO & COMPANY
State: TX
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:
XXXX XXXX XXXX XXXX and I am writing to file a complaint regarding unauthorized transactions on my Wells Fargo Bank account. Despite my efforts to address this issue directly with Wells Fargo, my claim has been denied, and I have encountered difficulties in resolving the matter. 

I have identified numerous unauthorized transactions on my account, specifically from two merchants, XXXX XXXX and XXXX XXXX. These transactions were not initiated or authorized by me, and I have made several attempts to rectify this situation through Wells Fargo 's dispute resolution process. 

On XXXX of XXXX, I initially filed a dispute for all the transactions in the account ending in XXXX, with claim no XXXX. 

Despite providing all necessary documentation and information to support my claim, Wells Fargo has denied my request for reimbursement or investigation into these transactions. This denial has caused financial distress and significant inconvenience. 

I tried calling them several times to find out the reason for this denial. In one scenario, an executive mentioned that they are filing the dispute again and they will resubmit the claim, the very next day another executive from the fraud department mentioned they can not file a second claim on transactions. Then who is saying correct. I Strongly believe they didnt even do a proper investigation. They can listen to the recordings because every call is being recorded on their end. 

I hereby request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that proper action is taken to resolve the unauthorized transactions on my account. 

I am seeking a swift and fair resolution to this issue and request your assistance in compelling Wells Fargo to investigate these unauthorized transactions promptly. 
Thank you for your attention to this matter. I look forward to your prompt action in resolving this dispute. 

Sincerely, 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 2022-09-26
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My complaint is with PayPal Business Services. PP is the company we use to accept credit card payments from our customers. We have used them for years. last week on XX/XX/XXXX we transferred {$10000.00} from our money being held at Paypal to our commercial bank account. On XX/XX/XXXX Paypal did something they term as a PAYPAL REVERSAL for the {$10000.00}. Our bank has verified this was done by PayPal and PayPal, after hours of phone time admitted to having done this but they said that it might be up to 10 days to get our funds returned as they were not certain if the reversal has gone through yet! 

PayPal is a HUGE machine for this XXXX old to navigate. They do everything on their terms. I need this money. It is a healthy sum for a small business. I am grateful it did not cause us to bounce any checks, but that certainly could have been the case. 

Can you email with any info for a contacts you may have at PayPal. Or Call me at XXXX XXXX XXXX A to Z Advertising, XXXX XXXX XXXX XXXX XXXX XXXX XXXX or my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you in advance for any advice in this matter. 
My e-mail is XXXX, XXXX Highway XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX A to Z

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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: Investigation took more than 30 days

Complaint:
im resuming this complaint with attached dispute letters, i have yet received anything from the credit buraus

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 2022-06-08
Company: EQUIFAX, 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 have repeatedly asked XXXX, XXXX XXXX and equifax, to report accurate information regarding this XXXX account and they keep saying the information is verified in compliance, when the consumer law states they have to report 100 % accurate information but there's obviously not a human looking at my dispute. 

PLEASE SEE THE ATTACHED DOCUMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing default payments from XX/XX/2017 of XXXX this perticular account I disputed with XXXX XXXX  for many months prior as they were never actually able to provide me with any kind of service whatsoever for broadband which ultimately forced me to find another supplier who could provide the service but they sent me a bill anyway for XXXX after lengthy discussions they said they had provided a service and i must pay I supplied all the emails I sent asking for the problems to be fixed otherwise I would have to find and alternative supplier. They then started threatening court action which I actually encouraged becouse I knew it would finally be sorted out. They then decided just to mark XXXX which includes late payment charges as default payments on my credit report which I have been trying to get removed ever since and no body seems interested in correcting. I'm absolutely appalled that a company can just ruin your credit report on a whim without any kind of evidence or legal right to do so. Its discracfull we are allowing this to happen i had a ccj applied to my account from a water company who apparently took me to court but never informed me the first I heard about it is when I see it appear in my credit file these kind of things have to change if it was anywhere else they would be being sued for deformation of charicter. After trying to correct these multiple times with XXXX and eqifax I have got no where the best I have got is some links to the ongoing dispute which doesn't actually work I have been trying to get thus resolved since 2017 and causing serious problems for me and I just want someone to step in and get this resolved now. 

If you require the emails and responses sent to XXXX XXXX please ask and I will forward them to you. 

Many thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 a 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 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Both my checking and savings accounts were suspended by JPMorgan Chase Bank on XX/XX/2023, and I received letters from them that my account was locked in order to protect me. I called the number on the letter multiple times, but their answer was obscured, and contradictory. In the letter they told me that my account was locked, but on the phone they told me that my account was closed. According to the contract when opening the account, I agree that they have the right to close my account, but there is no reason to delay so long and withhold my savings. Every time I called, they couldn't tell me when I would receive my funds or why. I was like a ball being kicked around by various departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Credit inquiries on your report that you don't recognize

Complaint:
1. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

2. I never applied for any type of credit or financing from XXXX XXXX XXXX nor did I give them permission to run my credit. 

3. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

4. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit.

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 2022-12-03
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account multiple times as it is a collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such with me and the actual collection agency ; The debt was sold but I never agreed to such. Please remove from my credit file immediately as this is affecting my livelihood.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX  account # XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief