BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Re : Letter to Update Personal Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be in error. Here, as follows, are such items : The following ADDRESSES are being reported incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, FL XXXX, XXXX XXXX  XXXX, FL XXXX XXXX missing part of street name ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX incorrect apartment # ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXXl, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, XXXX, FL XXXX The following EMPLOYMENT information is being reported incorrectly and needs to be removed immediately : The following ALIASES are being reported incorrectly and must be removed immediately : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The following TELEPHONE NUMBERS are being reported incorrectly and must be removed immediately : XXXX and XXXX By the provisions of the Fair Credit Reporting Act, please have these items removed from my report. Please send an updated copy of my credit report and confirmation of these corrections to the address listed above once completed. Thank you for your time and help in this matter. 

Sincerely, 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 2022-09-28
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

FIRST XXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-10-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I dont remember the dates, but roughly XXXX. I had a checking and savings account and was charged fees. Also, a checking account that was opened without my knowing.

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 monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-10-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I'm trying to avoid foreclosure so I applied for the XXXX XXXX XXXX XXXX. My application with them was started/ was accepted on XX/XX/XXXX. California Mortgage XXXX program contacted LoanCare ( my lender ) on XX/XX/XXXX requesting the needed information. My lender says that they sent the requested information back to the Relief Program on XX/XX/XXXX. I've called the Relief Program several times and they tell me that LoanCare has not contacted them or sent the requested information at all. 
I get the run around every time I call LoanCare. I'm in Loss Mitigation right now, I've been waiting for some answer from the lender/LoanCare since XX/XX/XXXX. They restarted my loss mitigation application on XX/XX/XXXX, but still have no answer. So I have no response from the Lender for either option to save my house. 
This is abuse. It's mental abuse to do this to people and not be transparent between the lender and buyer.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE XXXX XXXX XXXX XXXX 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 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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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:
Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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:
Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
Regions bank branches refuses to help me with a fraud claim. They say I have to go through their online bot, and can not email my statements to anyone. Are they allowed to do this? 

The branch assistant manager spent a bit of time with me and took my info to get the claim started. I went to my office and printed off all of the statements. Then she called to tell businesses are not helped in the branch. I asked for the branch manager, but she wont call back. 

I just want a human to help with the fraud.

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 2023-09-19
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
We, XXXX XXXX XXXX XXXX received a response from Consumer Finance providing a claim # we were requesting from Wells Fargo Bank so we could reach out as they advised they needed that specific claim # to give us an update. I reached out to Wells Fargo requesting an update, with the claim # they provided. I was first given an email : XXXX. I sent an email with the advised subject line, including the claim # and the email came back undeliverable. Its not a usable email or it is invalid or not an active email. I called back, I was given their claims department number of : XXXX from a claims rep. This was after being transferred to her from XXXX different people. I spoke to XXXX who advised after being on hold that she had to transfer me to the ACH claims department. In that dept. I spoke to a XXXX, who stated she could not pull up the information with the claim # I provided, or the account number ( listed on the affidavit of forgery paperwork ) and said that I had to go to the branch that allowed the check to be cashed. I advised that we dont know what branch it was and we are in another state and that is not a possibility. She said she couldnt help me and had to get me to customer service. She transferred me so a line that was not good, a person who didnt speak XXXX well, and said he couldnt help me because he couldnt hear me either. 
I need a way of communication with Wells Fargo. I need them to provide an update on the claim with the claim number they provided, which was XXXX. We complied with what they requested, were told that we had to contact them with the claim # and now they can not give us an update.

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 2023-10-24
Company: EQUIFAX, INC.
State: OK
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 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 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 non-monetary relief
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: LA
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:
Please see attached documents detailing where my consumer rights are being violated by this company XXXX. The company has sold this alleged account to a debt collector XXXX XXXX, after several inaccuate reporting found on this account it has been removed from my consumer report but XXXX is still reporting the account as derogatory on my consumer report. How can a company sell a debt and still report the debt as active to the credit reporting agencies? This a clear violation of 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 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 Several inaccuracies in reporting as per FRCA guidelines *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap!! 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE XXXX Acct # 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 2022-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with FCRA, facially false data being included on consumer reports in violation of section 607 ( b ). Bryant v. TRW, Inc Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. his company continues to make bad faith and erroneous reporting LATE PAYMENT HISTORY ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXX WAS NEVER LATE XXXX XXXX XXXX ACCT- ACCOUNT WAS NEVER LATE XXXX XXXXXXXX - ACCOUNT WAS NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: OH
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:
I AM A VICTIM OF IDENTITY THEFT

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 2023-12-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had a business account at Truist Bank for XXXX  years. In XX/XX/2023, I was charged {$180.00} ( XXXX at {$36.00} each ) including {$36.00} for {$5.00} and {$13.00} purchases. The online baking is very confusing. One example it showed {$450.00} posted balance and then {$390.00} deducted for mortgage. The very next line showed a {$36.00} overdraft fee. The automated phone and online are not in sync or updated together. In XX/XX/2023 I went to XXXX XXXX and my purchase was {$11.00}. My account only provided {$2.00} to cover the bill. I called the and automated message stated I had a zero balance. I was fine with that because at least I didn't get charged for {$36.00}. I thought they stopped the overdraft coverage. Fast forward to XXXX and they started it again. I did call Truist and the person stated there was nothing they could do. The inconsistency is ridiculous, and I would appreciate if someone will help me with this matter.

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 2023-09-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I discovered several fraudulent accounts on my Credit reports from Home Depot being serviced by Citibank. I decided to give up and settle on account ending in XXXX  which had a balance of XXXX. 
On XX/XX/XXXXXXXX  I made payment in full with my debit card. The payment cleared my bank they are now refusing to provide a paid in full letter, acknowledging they received my payment and report XXXX balance to credit bureaus causing me prejudice to 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 2023-12-06
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorized transaction on PayPal that was linked directly to my bank account. I have no idea who the person is that the money was sent to and I'm also scared my information may have been leaked. 

I've looked this person up and some scary documentation comes up. 

XX/XX/2023 approx {$42.00} was sent to an unknown user and taken directly from my bank account. PayPal denied that it was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: RAS LaVrar, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX received a collection letter recently dated XX/XX/2023 from a law firm known as RAS LaVrar , LLC. The account was a XXXX account that was settled years ago when XXXX either transferred to account to a debt buyer known as XXXX XXXX XXXX, or I negotiated the original debt with XXXX directly. It was over 10 years ago. So when I received this collection I called RAS LaVrar , LLC. A person claiming that he was a non-attorney negotiator trying to collect a debt. Let me be very clear, the account is years past any legal collection timeline, and I paid the debt years ago. I have no idea how RAS LaVrar LLC, a law firm with a XXXX, Florida address could have received my personal information. The agent claimed that XXXX sent my information to RAS LaVrar. Highly doubtful. 

RAS LaVrar pulled by credit report in XX/XX/2023 from XXXX. My personal privacy being violated, I believe RAS LaVrar is fishing for old debts to fool a percentage of the American public to ascertain a payment arrangement that is 100 % illegal. I did lose my cool talking to a person who is obviously trained to muscle people into debts that are long out of the legal guidelines. The CFPB needs to pull a full audit of the collection practices of RAS LaVrar. I am going to file suit in federal court for damages. My privacy has been violated and I'm certain that this law firm is breaking multiple laws both on a state or federal level. 

Damages must be paid for this serious violation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
Card was used on XXXX to make $ XXXX in fraud purchases. XXXX confirmed the fraud and told me I have to charge back through Amex. Submitted a fraud claim with Amex. Amex refused the fraud claim, they said that XXXX said the goods were shipped to me, but they won't let me see any evidence, they won't tell me what was shipped, they won't share tracking information, and I know that these goods were not shipped to me. In processing the claim, Amex doubled the fraud. They charged me twice for each fraudulent charge.

Company response to consumer: Closed with explanation