BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On my XXXX credit report. XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries are a act of fraud and done without my consent. On my Transunion credit report XXXX XXXX XXXX XX/XX/XXXX is a act of fraud. I have 2 inquiries from XXXX XXXX XXXX XXXX XXXX. I currently bank with this institution. Contacted them regarding these inquiries. I was told it would be looked into and removed. No results. I don't know if this is fraud or a mistake within the institution. I have no knowledge regarding these inquiries. Please remove asap. Thank you

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 2022-07-29
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX continued to report late payments on this closed charge off account. They submitted documents in regards to my dispute yet failed to show me any monthly statements dated after XX/XX/XXXX that showed a past due amount and a due date. 

As a result of not providing any billing statements during the period after the loan payoff, this account can not be reported as late since they did not provide necessary documentation. They claim they sent e-mail correspondence and listed dates yet did not actually provide the emails. This proof is invalid as a result. 

I have attached the ONLY letter they sent to my co-borrower. Nothing on this letter shows a due date. Please also note the date of this letter. 3 months after the payoff, and also no statements in XXXX or XXXX for any amounts owed. 

XXXX XXXX has also failed to provide me my pay off disclosure, interest rate disclosure, and credit insurance. They also reported an inaccurate charge off amount of over {$6000.00} to the CRA 's when they claim only {$1000.00} was owed in their response letter. 

Also, to farther add insult to injury, according to the IRS - a charge off is reported as income and income can not be reported on a person 's consumer credit report.

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 2023-07-22
Company: Experian Information Solutions Inc.
State: CA
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 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
upon checking report i notice fraudulent charges on my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX FAMILY XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$220.00}

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 2023-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a continuation of complaints XXXX and XXXX. 

I still have not received the refund I am owed even though it was promised by XX/XX/2023. I tried calling XXXX ( extension XXXX ) who had previously reached out to me but he did not return my call even though I left him a message. 

I'm honestly embarrassed for USAA that this still hasn't been resolved. I'm marking this complaint as public so others can see the utterly shameful way USAA has failed to address this issue despite repeated promises to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; 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 explanation
Consumer complaint received 2023-07-22
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 2023-05-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX XXXX XXXX XXXX is governed by XXXX XXXX XXXX and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX XXXX XXXX XXXX XXXXXXXX ( also known as XXXX XXXX XXXX ) permission to furnish the following accounts XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have filed numerous CFPB complaints as well as sent Cease and Desist letters for these XXXX accounts. They still refuse to block and remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NC
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-22
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-07-29
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX a servicer bank filed a foreclosure on my home. I defended our home prose from XXXX XXXX to XXXX XXXX. Then XXXX XXXX XXXX. ( XXXX ) granted a covid forbearance, then XXXX offered a loan Mod. ( LM ). Three months trial XXXX XXXX, which I paid. March a LM  was sent along with a 4th " post-trial '' payment amt. I had several issues with the unilateral items in the LM, I detailed each item enclosed the 4th payment with my letter of concerns. XXXX, XXXX, XXXX, ratified payments were accepted. On XXXX XXXX XXXX  notified me they were transferring my loan to Mr. Cooper bank they wrote " everything will stay the same '' But it did not stay the same. Mr. Cooper refused my 7th payment of {$1500.00}, and increased my amount to {$160000.00}! To be sure this is an impossible amount for me to pay. After a decade of XXXX XXXX offering to make payments, being under the threat of being publicly evicted into the street, we finally were making regular payments ( albeit a few details to be worked out ) but we had completed the 3 trial payments, then we paid three ratified payments only to have our loan transferred, and payments refused. It should be noted this was a predatorial loan in XXXX XXXX also I was discharged of debt in XXXX. I am XXXX, XXXX and an XXXX XXXX XXXX XXXX XXXX XXXX. The bank recently said " you haven't paid in years '' but I TRIED many times, on the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Grant Mercantile Agency
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Grant Mercantile ( debt collector ) listed that I had a unpaid debt that was on my credit report from an XXXX XXXX who used my information fraudulently. The Unpaid debt that had a negative impact on my credit report was for an XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$2600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
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:
in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-09-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I tried to open up a savings account at Chase Bank in XXXX, NJ on XX/XX/2022 with a personal check from XXXX XXXX  in the amount of {$1000.00} of which their personal banker agreed to accept and place into a savings account at Chase Bank. He told me that the bank would need to accept my application for the savings account but he didn't know when that would occur, but that I could view my account over the internet, and he did say that the personal check would take a few days to clear. I then filled out the necessary paperwork and provided him my driver 's license and social security number. A few days later I checked on my Chase App on my phone and the funds were in my account then I proceeded to close another account with XXXX XXXXXXXX XXXX and I received a XXXX XXXX for {$4500.00} instead of a Bank Check and on XX/XX/2022 which I also deposited into the same savings account at Chase Bank. This time I was told that due to reasons unknown to me or to the teller at Chase bank that the bank needed to hold the check until XX/XX/2022? So I agreed to wait, I then tried to access my savings account on the internet to see if this check was deposited on XX/XX/2022 and XX/XX/2022, but I couldn't find the deposit. So I reached back out to the bank and left my information to call me back about the disposition of my account. I was then contacted on XX/XX/2022 by the same personal banker who stated that my account was closed by the bank. I was told that information provided showed " suspicious behavior '' with my social security number and so the bank closed the account. I asked what they meant by " suspicious behavior '' and I was told that someone else 's name was on my social security number, but that they wouldn't disclose who this person had been or what was the issue. So they closed my account. I asked when am I going to receive my {$5500.00} dollars that was deposited into their bank? I was told that at some point the bank would mail me a check for the amount, but that I was told that I can't visit the bank to retrieve these funds owed personally. I'm concerned that both checks should have cleared by now and they should allow me to get my funding back and let me know who or what was the reason for closing my account. It just seems very suspicious behavior. I came to Chase Bank in good faith and I feel that the bank is not being transparent or giving me back my funds that they are holding XXXX? If there is fraudulent concern I would hope that they would contact the authorities instead of sweeping things under the rug, so I can go to another bank or back to my previous bank. I just feel like they are stalling for some reason? I'm worried that other consumers who maybe like me are dealing with similar concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a second complain to the previos one with the number XXXXPlease read previous one for the whole story/details. 
Wells Fargo says that PIN was used in the fraud but checking it personally out and talking to the gas station personel PIN can be bypassed at the pump.We took pictures how you can BYPASS the PIN. 
In Washington State almost all the pumps have the BYPASS PIN option when you are using the gas pump and pretty sure that even the person that reads this complain is aware of the BYPASS option. 
Wells Fargo claims that the person that used the debit card entered a PIN.Why would someone enter a PIN or try to enter a PIN when you push the BYPASS PIN button when you have a cloned card? or whatever they used to fraud our card/account. 
We went at that gas station and we took pictures of the BYPASS PIN option. 
Wells Fargo refuses to pay the claim and they are lying that the PIN was used. 
PIN was BYPASSED. 
Please investigate this.Wells Fargo has a very bad reputation and its very well known that they are constantly lying and refuse to pay claims. 
The bypass pun option was used with multiple debit cards plus Wells Fargo and its a option fir all the debit cards.Please call the gas station and the staff there will confirm that.Thank you

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 2022-12-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, my name is XXXX XXXX. Today I would like to write a complain to this bank company about my problem. My debit card somehow got stolen and used to purchased at this gas XXXX station for multiples transactions that I am not recognized. I called and disputed all of them with the 5/3 bank, then couple of days later I received a letter that they responded to my case with a DENIED status. Then I called and asked about it, the bank told me and gave XXXX reasons are : First, some transactions are in between that are not reporting as fraud at the time the dispute transactions occur. Second, the debit card was used pin to purchased. Third, Not call in and report it right away. 

I do not know what to do and how to resolve this matter. Please help. Thank you. 

XXXX XXXX in the amount of : {$520.00}, {$200.00}, {$100.00} -XXXX XXXXXXXX in the amount of : {$860.00}, {$610.00} XXXX XXXX, 2022 in the amount of : {$61.00}, {$570.00}

Company response to consumer: Closed with explanation