BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I mad a police report.And the issue is being investigating.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
TransUnion falsely claims that their company has did Investigations on 8 different occasions on the XXXX  XXXX XXXX # XXXX. According to the FCRA, 15 U.S Code 1681a - Definitions ; rules of construction- The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. TransUnion has failed to do a proper and accurate investigation on 8 different occasions from the dates they listed in their previous responses according to the FCRA and this is a violation of my rights and the FCRA. TransUnion has also failed to SPECIFY how the XXXX  XXXX XXXX # XXXX was verified. The file I have attached to this complaint is a Copy of the Judgement with original creditor XXXX XXXX WITH THE TOTAL AMOUNT {$940.00}. There is also another party on the judgement as well. The address for the COURT HOUSE is XXXX XXXX XXXX XXXX  XXXX, XXXX, DE XXXX, In The Justice Of The Peace Court Of The State of Delaware In And For XXXX XXXX, Court NO. XXXX. The Collection company XXXX  XXXX XXXX is reporting the amount {$5000.00} which is Inaccurate according to the copy of the judgment Ive included in this email and which Ive provided to TransUnion in the past which they have neglected to acknowledge the information provided. According to the FCRA, 15 U.S Code 1681i - Procedure in case of disputed accuracy- 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 PROMPTLY DELETE THAT ITEM OF THE INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE INVESTIGATION. XXXX  XXXX XXXX and TransUnion are violating the FCRA, MY RIGHTS, AND THE LAW BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND FALSELY CLAIMING THEIR COMPANY HAS DID A PROPER INVESTIGATION ON 8 DIFFERENT OCCASIONS. TransUnion credit reporting company are violating my rights and this is a defamation of my character. TransUnion Credit Reporting company needs to remove the XXXX  XXXX XXXX # XXXX from my credit report. 

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 2022-09-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today ( XX/XX/22 ) my husband and I tried to buy a ring at XXXX. Wells Fargo declined the transaction 4 times even though our account is in good standing. The system texted us letting us know of the suspicious activity, we called the number they included in the text, they called us back and verified that we were the ones making the purchase. After this, Wells Fargo STILL wouldn't approve the purchase another 2 attempts. 
We were completely mortified. 
We went to the bank closest to figure out what's going on and the personal banker we spoke to said that the bank declines certain retailers because of high instances of fraud. 
It doesn't matter. All that should have been cleared up after we verified our identity TWICE at the store. 
We pay this bank between 18-25 % interest and pay our bill on time every month, they have no right to decline ANY transactions.

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 2022-04-25
Company: Sequium Asset Solutions, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A fraudulent collection account has been placed on my credit report. This was placed on my report in XX/XX/2021, disputed, won, and removed from my report. It returned last week. It is from Sequium Asset Solution with the original creditor being XXXX for an address in Illinois ( XXXX XXXX XXXX XXXX XXXX, Illinois XXXX to be exact ). I have never lived at this address, nor do I know of anyone I am acquainted with or have done business with who would be at this address. As such, it is fraudulent. I have reported this to Sequium and XXXX. Both have labeled it as fraud and submitted a fraud report. They also recommended submitting a police report. I attached the notification on my credit report as a reference ( uploaded document ). Please advise on what I can do to not only have this removed ( Sequium and XXXX I believe will take care of this ) but also take measures so that it does not return on my credit report again. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My complaint is about Equifax Credit monitoring. I'm experiencing some type of computer/technical scoring error on my credit file with them. Typically, if a decrease in the balance of an account happens and there are no other changes but the decrease, the credit score will increase because utilization goes down. In my case, since XX/XX/2022, whenever I pay a portion or even the full balance of an account, my score is dropping and it's dropping by the same each time of 75 points! I have spoken to several agents at Equifax and they have not been able to help and stated that there is no one there that can help with a credit score issue. I know that they have to have a department that can look into this, but no one is willing to assist, I really need help with this, because it is making my file unstable and unpredictable and I'm afraid to pay down balances or even apply for credit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I got a loan with santander paid the car off in 3 years now theres some audit and they have refused to put it on my credit score also now that the loan is paid santander XXXX it appear i had late payments when at the time i sold the car there was none

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-07-18
Company: Sezzle Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted sezzle via email in XX/XX/2023, advising them that my charges off account was paid and that the credit bureaus would need to be updated. I received a response back from XXXX, XXXX ( Sezzle Shopper Support ) XX/XX/2023, XXXX XXXX CST Advising me : Thanks for contacting Sezzle Shopper Support. 

We understand you are reaching out due to a recent inconsistency with your credit report. 

We identified an issue with a recent report that required a correction. This correction first removed Sezzle from your report, which you likely recently noticed, and then a new report was quickly submitted to XXXX. 

This correction should reflect on your credit soon if not already, depending on how frequently any credit reporting services you use. Don't worry, once applied, your credit report would reflect as if the inconsistency never occurred. 

If after a few days you are still seeing an issue with your refreshed credit report, please reach out and let us know! 

Best, XXXX Sezzle Shopper Support I disputed the balance with XXXX in XX/XX/2023 and lost the dispute despite providing evidence that my debt is paid in full. Sezzle needs to update XXXX, XXXX and XXXX that my debt is paid in full, I dont owe a balance, and havent in more than 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NC
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 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 2023-04-05
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$36000.00}. Please update this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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:
My wife and I have Visa credit cards from USAA. I have been a member of USAA for 59 years. We spend approximately {$1500.00} each month on our two cards, USAA offers 1.5 % cash rewards on our cards.. My wife observed that the 1.5 % was not being deducted from the balance owed and had not been for some time. We called USAA to find out what had happened to the cash reward. We spent several hours and were shunted to at least eleven different people but no-one could explain where our money was. We were told our reward was {$34.00}. 
We have concluded that USAA has committed a fraud. They claim we get 1.5 % but they can't tell us what has happened to the money we are owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and 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 2022-09-21
Company: FISERV INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As the parent company to TRS Recovery Services, Telecheck was told by my bank that it " denied '' payments to merchants on personal checks connected to my account that were the result of identity theft. This was after the bank had already paid the merchants once and I had been reimbursed for the theft by the bank. When the bank pulled back the original payments of the checks, I became a victim of fraud twice over by TRS Services via TeleCheck and my bank.

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 2023-07-18
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:
Legal Department, I have submitted dispute on the following fraudulent accounts, and they were returned back to my credit history after being removed per lenders request. The accounts that are being disputed are fraudulent and as of my knowledge according to the facts they shouldnt be reported back. 

The collection accounts listed below are items currently within my credit file, and they are not related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts : XXXX. Account name and number : XXXX XXXX XXXX Date it was opened : XX/XX/XXXX XXXX. Account name and number : XXXX XXXX Date it was opened : 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 explanation
Consumer complaint received 2022-07-01
Company: TD BANK US HOLDING COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Hello, I'd like to update a file about XXXX XXXX XXXX and XXXX XXXX XXXX For XXXX : File # XXXX For XXXX : File # XXXX They sent a Wire Transfer Form to XXXX XXXX ( Law Firm XXXX XXXX ) to verify and ask me to pay a {$700.00} Processing fee again I run out of cash due to one fee after the other from them, I am a XXXX person who receives an XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX Check per month how can I afford to pay so please help to address this matter. 
I'd like to know why do I have to pay fee of $ XXXX for TD Bank to wire an amout of $ XXXX to my XXXX XXXX  XXXX XXXX Account XXXX 
Yours Sincerely, XXXX XXXX XXXX XXXX : the funds is $ XXXX ready to deposit in my Bank Account XXXX But I'm in financial Crisis they won't be liable for their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX ACCT # XXXX XXXX BANK XXXX ACCT XXXX XXXX These accounts have violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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.

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