BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
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:
Transunion refuses to correct the improper report history through XXXX XXXX XXXX. XXXX and XXXX have already both made the corrections. I have contacted Transunion multiple times to correct this issue via email and phone, and still no correction has been 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX de XXXX, XX/XX/2022 To : XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Case Number XXXX Account number ending XXXX Dear XXXX XXXX After receiving your communication dated XX/XX/2022, I followed all the instructions you indicated to place a claim for the telephone numbers mentioned in the letter. Calling the phone number first validated my identity through my credit card, debit card, XXXX, and checking account numbers. After this step they asked me what assistance I required and I asked them to take a claim for theft of funds from my account by an unauthorized person, the answer was YOU MUST APPEAR PERSONALLY TO AN AGENCY TO MAKE THIS REQUEST, I repeated the call on several successive days and the answer was always the same. 

As I have told you in previous letters, I am not a resident in the XXXX, I am in XXXX XXXX and I am waitingfor the date that the American consulate gave me to attend to my visa application to enter the XXXX. This will take at least 12 months, in the meantime my account will not receive funds and could become inactive, so I require that I guarantee that my claim will not be dismissed due to this condition. 

I am very afraid of placing money in my accounts since I do not trust Wells Fargo since it failed in its duty to ensure the security of the products contracted by me and allowed unauthorized persons to fraudulently steal my funds, violating all protocols of identity required, without neglecting that said theft was after I had communicated by telephone that my email and telephone number had been changed access to internet banking without my authorization and in that call I expressly asked that the handling of funds not be allowed until the situation was clarified. 

It is unnecessary to tell you all the problems that this situation has caused me in my survival since not having those funds available I can not cover food and housing expenses, placing myself in a vulnerable situation in XXXX. 

I request your assistance in sending me an account statement for the month of XX/XX/2022 that reflects all the movements of my checking account and savings account in order to assess the scope of what was stolen due to Wells Fargo XXXX # XXXX ; XXXX negligence in ensuring the security of my savings. 

After all that experience, I only learned that Wells Fargo, of whom I have been a client for more than 10 years, does not support the legitimate owner of the account in their claims and, on the contrary, is very splendid in allowing unauthorized persons to commit fraud to the detriment of its clients.. 

sincerely 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 explanation
Consumer complaint received 2016-10-20
Company: Seterus, Inc.
State: NH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seretus a loan servicing agency does not have sufficient internal systems to deal with non-standard situations. I am appointed XXXX in a family case. The agency has not been able to understand my position. I want them to send a matter to their Legal department. After time was spent sending them information, they acknowledged they could speak with me, I had the social, and the loan number from their documents, but then insisted I state the original names -apparently the full middle name- of the mortgagor. I had not been informed of what information I would need in my earlier conversations with them. I contacted the parties, so with additional delay I was told they do n't remember what name was used, but I am going to try again with the middle names. I appreciate their need to protect the information they have. This problem with probably arise with executors and other parties, there needs to be a path way for people with legal rights to the information to find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, contacted me via Mail about collecting a debt. They contacted me by mail on XX/XX/XXXX and identified the debt. 
I do not have any responsibility for the debt they are trying to collect. This item has been disputed on my credit report since XX/XX/XXXX XXXX credit bureau documentation available. XXXX XXXX XXXX made an unauthorized/fraudulent inquiry to my credit report profile in XX/XX/XXXX and followed up with a letter XX/XX/XXXX for a debt I am not responsible for. 

Lastly, the I do not and have not given XXXX XXXX XXXX permission to obtain my credit reports or any information about my credit profile. The last status update reported by XXXX, XXXX and XXXX was XX/XX/XXXX per Annual credit report documentation. Per Federal law this debt is over 7 years .Cease and Dismiss obtaining my credit report illegally for a debt that is not valid. 

This is illegal to Re-aging debt is when a debts status changes on credit reports to make it appear as a newer debt. It is illegal for XXXX XXXX XXXX debt collectors to re-age Synchrony Bank credit 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 2015-07-28
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Reviewed my credit report as notified by my employer, found INCORRECT credit score from EXPERIAN. Unfortunately MY SON used my identity & got behind on some money problems. While checking my XXXX statement XXXX pay stub ), found a GARISHMENT withdrawal! I took care of my son 's debt / called that company & they SAID my credit would NOT be AFFECTED!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
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: Account information incorrect

Complaint:
I recently received a copy of my ( EXPERIAN ) credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX - Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # - XXXX XXXXXXXX XXXX Account # - XXXX EXPERIAN is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information sole
ly as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ EXPERIAN ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2022-08-17
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.

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 2015-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I pay my XXXX XXXX acct on XX/XX/XXXX. My payment is due on XX/XX/XXXX but I was told that as long as I pay it before 30 days I am not considered late. I called XXXX XXXX when I saw they marked my acct late for XX/XX/XXXX. I pay on the website which I will attach for you to see. Last month when I went on XX/XX/XXXX it showed current. I went on to pay on XX/XX/XXXX and I paid {$750.00} thinking I was paying for XX/XX/XXXX and for half of XX/XX/XXXX. They marked me late for XX/XX/XXXX. I disputed this with Experian immediately. I was notified the other day that not only did they not remove the late mark for XXXX they added XXXX and XXXX as well To play it safe I made another payment of half of what I owe. As you can see from the attached from there website they are showing me with a credit in the amount of XXXX for XX/XX/XXXX. This is an unfair business practice especially since now a days all correspondence is done from the internet. I am requesting that these late marks be removed based on the proof that I am sending to you and I feel that it is illegal what XXXX XXXX has done to my credit that I am working so hard to correct. I am hoping you can help me and I have also spoken with a lawyer about this. To punish me for the dispute they marked me twice on my credit reports. Totally illegal. I have since sent yet another letter to Experian disputing it again but am very upset that XXXX XXXX marked my credit report fraudualently. 

Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax continues to delete accounts from XXXX XXXX XXXX just to re-insert them into my credit file. They do this at least once a month. I have disputed the information over and over about this issue but they refuse to gix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Paypal Holdings, Inc
State: IA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal holds funds for items sold using their services. PayPal is not the seller, but they receive the benefit of the funds in their possession for items sold long after the items are delivered to the buyer when they should be in the hands of the seller. They refuse to relinquish the funds claiming you need to prove that you are a good seller to be removed from the program which assumes guilt or criminal intent. I was told I would be removed from the program after a phone call, but now they refuse and can not find record of such a promise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Avant Holding Company, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed on my credit report in XX/XX/2022 that there was a card issued to me from Avant/Webank . I called them and they said a credit card was issued in my name to XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They sent me the Affidavit paperwork in the mail but I have had multiple questions for them and every time I call them they hang up on me. They said the card was issued but because I called they never sent card out. However, I havent been able to have them verify. I also would like to have inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hi, I have a vehicle loan from XXXX XXXX XXXX and last year I was late on one payment mostly because I used to pay my vehicle loan bill with my mortgage and I had refinanced my mortgage and I did n't have to pay that month. Unfortunately I totally forgot about my XXXX XXXX XXXX bill. But as soon as I realized that I paid the bill for the last month and the current month. I was n't notified by XXXX and I had paid the bill before I got their call. On call they said that they will be reporting it to Credit agencies as it was past 30 days. I said it 's fine and I assumed that it will probably be a minor hit as it was one missed payment in 3 years since my loan began and probably the only missed payment since I started paying bills. But I had no clue that my credit score will go down from XXXX to XXXX. Next month we decide to buy a new home and applied for the pre approval. I was shocked to find out what my credit score was. Based on the credit score and just one missed payment, I was being offer a much higher loan rate but I was told that it will be fine by the time we purchase the house as it was still XXXX months away. I was also advised to talk to XXXX XXXX XXXX to see if they could resolve it with credit agencies. I called XXXX XXXX XXXX XXXX times and they never resolved it. On my last call with them, they asked me to raise a complaint with all three credit agencies and they said once credit agencies follow up with them, they will resolve the issue. I went to all three credit agencies and opened the dispute. But I have never heard from them and my FICO score as of today stands at XXXX. And this is all because of one missed payment in 10 years. Since then I have paid all my bills on time and it 's been almost 9 months since I missed the payment. But the credit score is where it was. Now it 's time to close my new home and I had to settle on higher interest rate because my FICO score is low i.e. XXXX. This does n't sound right to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1100.00} FAIR COLLECTIONS & OUT : XXXX -- -> : {$3100.00}

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 2022-05-16
Company: EQUIFAX, 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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Acount # 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 explanation
Consumer complaint received 2016-02-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian has refused to investigate the inaccurate negative mortgage account from XXXX XXXX XXXX opened on XX/XX/2006. This account was charged off to the IRS and is still showing a fraudulent negative balance for the full loan amount. This account is also 7 years old and should be removed from my credit report. Experian has refused to acknowledge these facts and refuses to investigate that this account is 7 years old and will not remove this fraudulent account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-03
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Recently my account at Paypal was shut down. While they do n't have a word on why I was shut down, they decided to keep my money locked in the account for 180 days. This is outright thievery. They do n't have the right to keep my money under their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
American Express Serve Pre-paid Card The pending transaction becomes a posted transaction yet Serve will not release the hold/pending transaction. I discovered this recently as I was alerted my card was in the negative. When I looked, I had pending and posted amounts for the same transaction. There were two transactions. One each to XXXX and one to XXXX XXXX lines. I called Serve and they told me that when the merchant finalizes the transaction, the pending/holds will go away. I questioned this because both transactions had posted. The posted amounts matched the final amounts as expected ( slightly different from the hold/pending amounts ). I am having the same issue once again with a restaurant transaction. In looking at reviews, it seems this is a common practice for Serve Prepaid cards and that a number of other users have had this same issue. To me as a consumer, it doesn't feel right. Either it's posted or pending. Not both. Their response is that it can take up to 30 days to clear out the pending. How can that be legal if the transaction has already posted? Thank you!

Company response to consumer: Closed with explanation