BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-17
Company: Experian Information Solutions 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
would not accept my FTC report information and asked to submit another report with basically the same information. Believed to be a stall tactic of some sort. 
sent on XX/XX/22

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 2019-05-14
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have been trying to clean my credit up there are a few items that are on there that were not done buy me I would like my credit report so I can Challenge these items

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: MS
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 FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states that 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. Any item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-07-01
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been trying to resolve these late payments on these 2 accounts. I need these late payments updated immediately. According to 15 usc 1666-timing of late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$710.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

i can not apply for an auto loan or a home loan because of this on my credit report and it affecting me.

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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i filed report XXXX with ftc reporting fraud i need you guy to delete all the hard inquirys from my report i filed report what else do i have to do thanks

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 2022-12-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I deposited a check to my bank Wellsfargo, it was mailed to my house as payment for renting a room from the person who committed the fraud. The check was credited to my account for MULTIPLE business days. The check itself was an overpayment of funds to me, so I asked this person who I know find out to be a criminal, how I can get the excess funds back to them. He gave me a XXXX account to use, then I sent the extra money that they overpaid. Right when I do that, within the hour, the check conveniently bounces and is reversed by Wellsfargo. When I called them yesterday they had no answers to me as to why the check was reversing, they told me I would have to call back in the morning. I called them today and they said it was a bad check. They are not taking any responsibility for the days the check was credited to my account, which it should not have been if it was a fraudulent check. And I'm unable to get the XXXX  funds back to my account as the fraudulent person has blocked all communication with me. 

I have pictures documenting all transactions and statements from wellsfargo. I was going to file a policy report but was told it is not worth my time. The amount was for {$5900.00}, it was deposited Sunday afternoon XX/XX/22. This transaction reversed yesterday XXXX in the afternoon, right after I XXXX  this criminal roughly half the amount from the check because it was overpaid the check also got reversed. Wellsfargo is saying that it was not there fault the check was fraudulent, but this cant possibly fall on the consumer to know what a fraudulent check is. They should be held responsible for crediting my account for days on end with a fraudulent check. They are a billon dollar banking institution, how can they not have systems in place to protect their customers in a timely manner. I now have a negative account balance of over XXXX dollars and they essentially wont do anything about it.

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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account XXXX XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 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 2022-07-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello On XX/XX/XXXX made a wire transfer by mistake to someone that also a wells Fargo customer on the XXXX the guy that I originally was going to call me to inform me that he didn't receive that's when I discovered I sent it to the wrong person I then contacted wells Fargo said it could take up to 14 days which meant the XXXX max I called back to inquire very rudely speaking to me with no answers I asked to speak to someone in their executive office and that's when the lying and deceiving started I called them 2 or 3 times always with the lies that some when will call the agent handling your case is on a conference or he has a problem with his internet giving me different names 1 ) XXXX XXXX they promised me on 3 different occasions That he said he will call back but never did I have been a customer with wells Fargo since 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 2022-09-21
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Hey I received my taxes income check on XX/XX/22. And I also tried to cash it at Regions banks the same day. I gave it to one of the bank tellers XXXX. And she verified my check by going on the website that is on the check. But she wouldn't cash it and never gave me an explanation and was rude when I asked why. But since Regions already verified the check and the 1 time code was already sent out Now I can't cash my check anywhere because the one time code was used by Regions to verify it. If you can please respond quickly I would appreciate it this is going to cause a lot of pain and suffering for my family if I don't get my tax income check.

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 2022-08-22
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 XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 found inquiries that dont belong to me

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 2022-12-01
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Gemini brokerage did not let me withdraw my deposit es d funds in the amount of {$20000.00}. According to their XXXX, it states that a redemption of your funds would take 5 business days at the most and yet its been two weeks and NOTHING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MT
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:
The debt for XXXX XXXX was settled, it is no longer in collections. There should be a XXXX balance reflected in my credit report. The remarks can reflect paid for less than owed if need be. please see attachment for account number and proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company purchased my loan from the last company who had my loan. I did not know this and continued to make my payments to the old company. The old company returned two payments ( made completely and on time ) to  me. By the time I realized there was an issue I was 30 days late with the new company. As soon as I realized the issue I called the new company, paid in full, and enrolled in their automatic payments program. Because I can prove that I did believe I was making my payments on time and in full I have asked that they take the 30 day late payment off of my credit. They refuse. 

I did not ask for my loan to be sold. I made my payments on time to where I believed they should go. No one ever called me ( from either Fay Servicing nor XXXX XXXX XXXX ) and left me a message asking for a return phone call or sent me an email. Though they both had this contact information for me. 

I do not believe I should be penalized for this issue due to my loan being purchased and I am requesting that the 30 day late payment be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my son 's wallet was stolen from his work. In it was my Home Depot ( Citi ) credit card, his debit card, his driver 's license, and his credit card. His credit card and debit card were used in XXXX WA for purchases of {$550.00}, {$100.00}, and {$41.00}, for a total of {$690.00}. All of these charges were dismissed and credited back to my son 's cards. My Home Depot credit card was used at the self-service checkout at the XXXX XXXX XXXX XXXX XXXX XX/XX/2022 for purchases of {$500.00}, {$150.00}, {$300.00}, {$270.00}, and {$320.00}. On XX/XX/2022, my Home Depot credit card was used at the self-service checkout at the XXXXXXXX XXXX XXXXXXXX XXXX for purchases of {$170.00}, {$170.00}, {$210.00}. The charges total {$2100.00}. I rarely use this card, and my son has had it with him -- with my permission -- for several years, using it only for home repairs, as he was renting my house. He has never used it outside our intended agreement. As soon as I noticed that my card had been used for fraudulent purposes, I contacted Home Depot to report the fraudulent charges, and they removed the charges from my account, cancelled that card, and sent me a new one with a new account number. A couple months later, the charges reappeared on my bill, noting that their fraud department determined that I am responsible for the charges, because I gave my card to an " unauthorized '' user. I reopened the claims, sent them more information supporting my claim of fraud, and they sent me more letters telling me their fraud investigation concluded that I was responsible. On approximately XX/XX/2022, I contacted the XXXX ( WA ) Police Department and filed a police report. An officer followed up with me and I provided him information regarding the fraudulent charges. I then contacted the Home Depot fraud department and let them know that I had filed a police report, giving them the case number and officer 's name. I informed them that I would not be paying any more on toward these fraudlent charges and said I'd be filing a report with the credit bureaus, which I am doing now. My son 's cards and my card were used to commit a felony. Furthermore, it is VERY CLEAR, from one quick look at my credit score and historical use of the Home Depot credit card, that I take my credit use seriously and monitor the use of my cards diligently. I should not be liable for these charges.

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