BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
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: Account information incorrect

Complaint:
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : 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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion Original complaint XX/XX/2023 Case # XXXX TransUnion responded XX/XX/2023 but was not thorough. However, the following is still incorrect according to MyFICO report dated XX/XX/2023. 
- XXXX  XXXX XXXX XXXX XXXX was paid and should show accordingly. Also, this account is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX modified. TRUE AND ACCURATE. THANK YOU. 
- XXXX XXXX  is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- Adding XXXX XXXX to this complaint. Account XXXX. This account is reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher.

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 2022-09-19
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a card through comenity bank. I think they had a ransomeware attack. Cant log into accout to pay or check, has been this way since XXXX. They have charged late fees to me twice ... its hard to figure out what is going on .if you call u wait at least XXXX hours and get hung up on. Check out XXXX i am only one of many having this issue. How can their website be down for 3 months??? Im in XXXX and this would not be acceptable for most companies. If they are a " bank '' dont they have to follow rules?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29
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:
This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block following items listed. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX Balance Owed : {$7.00}, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date 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 2022-07-02
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over XXXX points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Fraud accounts on Experian 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 2023-08-20
Company: Auto Advantage Finance, LLC
State: OK
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:
Account reporting to XXXX XXXX XXXX XXXX XXXX XXXX has reported fraudulent information to my credit report since XXXX. Formerly known as Express Credit Auto committed illegal activity with illegal repossession and continued to collect payments. Account has not been removed from credit reports with incorrect report information according to FCRA section 609, 611 and 623.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. 
( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Professional Finance Company, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Medical bill needs to be removed from credit. It was paid for through Georgia XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
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: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing in regards to Transunion sending me a copy of my credit report today. Which I did not ask for. The adverse accounts they are reporting are still inaccurate. Transunion is reporting incorrect dates of negative items being opened. I would also like to mention that Transunion is also committing the crime of identity theft. Transunion has to have my written consent to be reporting these negative items under law 15 USC 1681B Permissible Purpose. Which I have never provided Transunion or any other credit reporting agency. With written consent. Transunion is reporting incorrect dates of negative items being opened. From XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. There has to be maximum possible accuracy on my credit report under law 15 USC 1681 e ( b ) The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, 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 2022-07-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry on Equifax that I do not recognize. This is fraud since I did not consent to this. I have filed a dispute with Equifax saying that the inquiry is fraud yet they continue to report the inquiry. 

I demand under FCRA : Section 604 : XXXX Permissible Purpose XXXX. My written authorization XXXX. Proof that I personally initiated this inquiry. 

Either provide me strict proof or DELETE the item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Was scammed into wire transferring money to a friend who was part of a investment scam. He had a XXXX XXXX and then was walked through an investment scam and sent money to my supposed investment account and was walked through trading on a platform that I came to find out was not real. 

I have contacted wells fargo and have tried XXXX support and can not get anywhere. 

I reported the fraud site to the XXXX  and still have not heard anything. 

It is a large amount of money XXXX and it seems nobody can help. 


I have transfers and accounts that money went to. 

XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$1000.00} XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$3500.00} XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$3500.00} XX/XX/2022 from Wells Fargo Savings XXXX Number Wire Transfer Srf # XXXX Trn # XXXX Account # {$50000.00} XX/XX/2022 from Wells Fargo Savings XXXX Number Wire Transfer Srf # XXXX Trn # XXXX Rfb # XXXX to Account # {$25000.00} XX/XX/2022 from Wells Fargo Savings XXXX Number XXXX Transfer Account # XXXX XX/XX/2022 From XXXX XXXX XXXX Account # XXXX Wire XXXX to Wells Fargo Account # XXXX XX/XX/2022 From XXXX XXXX  XXXX Account # XXXX Wire XXXX to Wells Fargo Account # {$46000.00} Total of {$170000.00} Money was a Loan and was supposed to be used for a project that was awarded. 
I was told by him that his account was compromised and that he had been hacked and lost all the funds. 
I questioned if he had called Wells Fargo fraud department. He said he had and that is all the info I got. 
Why didnt Wells Fargo stop the Fraud and why did they let that amount of money get transferred to his account and why did they let it move to some other account other then a legit Company that supplied building materials. 
This was a loan and was supposed to be returned in 6 months. 









Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Vehicle 1- Agreement XXXX lease expires XX/XX/XXXX 1 ) Age Discrimination : grant then deny purchase, continued unreasonable inquiry, refusal to accept proof of income ( social security and survivors benefits, pension. ) refusal to allow online reapplication to purchase 2 ) Unable to contact : Unable To Get return email or calls in 3 weeks time and on hold for two hours Regarding any extension or purchase issues /inability to acknowledge deceased co-applicant after providing death certificate 3 ) usurious mileage penalties Vehicle 2 - Agreement XXXX Destroyed in accident XXXX 1 ) refusal to remove remove from my credit report 2 ) refusal to reimburse me for registration fees because they refused to hand in the license plates, and Im still registered with this vehicle with the state of New Jersey and failure to acknowledge any certified letters that were sent regarding 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 2023-09-29
Company: Experian Information Solutions Inc.
State: LA
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 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 2023-12-16
Company: EQUIFAX, INC.
State: CA
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a XXXX dispute letter to TransUnion on XX/XX/XXXX. They received it and my disputes were active on XX/XX/XXXX. Under federal law, they have 30 days to complete my dispute. Either verify them or delete them by XXXX XXXX. Today is XX/XX/XXXX and it has been more than 30 days

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 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
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. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2023-01-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
sender sent {$2500.00} from XXXX in XXXX XXXX. recipient went to XXXX in eastern XXXX  only to find out XXXX has policy of {$2500.00} per day. both XXXX and XXXX are at fault to allow transaction knowing that this can not be processed. sender is on fishing boat don't know why XXXX wants to talk to him as they verified his id when the funds were sent and XXXX won't do anything. question is how can XXXX contract with XXXX  knowingly their limits? so where is this money sitting at XXXX XXXX? 
fyi I am not sender nor recipient just a mom trying to help her daughter resolve this cluster ... calls were made by me and her to XXXX and they won't do anything to help her. XXXX says contact moneygram!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
Company: Experian Information Solutions Inc.
State: CA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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