BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NC
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:
ive been calling equifax and XXXX to remove hard inquiries from my report. my social security number and other information was stolen in around XXXX XXXXXXXX the credit bureaus refuse to remove the hard inquiries i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
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:
We wrote a check for {$6000.00} to a facility that cares for our XXXX XXXX XXXX mother ( it is her money ) on XX/XX/XXXX of last year. That check was stolen from the XXXX post office and cashed by a party it was not intended for. These funds have not been returned to us for over 6 months and we can not get any answers on where we stand other than they are still investigating. 

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 monetary relief
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish an 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 2023-01-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is a complaint against the company " Venmo '' owned by Paypal. On XX/XX/2022, I tried to withdraw {$200.00} from my Venmo account. I saw a message on the app that my account had been suspended. I contacted support, and they would not tell me why my account was suspended. They would not let me withdraw any of my money. They said they would contact me within 2 weeks. I am looking for a resolution to this problem to get my money, as Venmo has no incentive to ever contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 also on XX/XX/21 i sent validation letters to this company demanding validation of this debt, this company has refused repeatedly to follow FCRA rules/law in my attempts to verify and validate this debt and now has illegally posted this dept on my credit profile which is now severely impacting my credit.

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 2023-04-25
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were part of the Sweet v Cardona lawsuit and have been discharged. I received a letter on XX/XX/XXXX from the Department of Education. Mohela is stating they know nothing about this. I know this is not true since a copy of the letter from XX/XX/XXXX was sent to Mohela. I would like my account updated with these loans discharged per the settlement agreement. Other student loan servicers have already discharged their clients student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MD
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 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2023-01-19
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 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Personal Statement I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.

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 2023-04-25
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and Associates ... And... 
XXXX XXXX XXXX, XXXX These XXXX companies work together to collect payment for debts not owed. I paid XXXX not realizing until later it was not actually owed by my XXXX XXXX XXXX daughter, and are trying to get another one paid using XXXX as the creditor, however, they will not release the name original debt or why it went to collection without me getting a first bill. My child is not responsible for herself or her own debts and has signed nothing claiming to be. She is insured, and had a second insurance to cover all copays at the time. We are current patients of all doctors and hospitals we use. NONE of them have contacted me with an unpaid bill. I want them to stop contacting me, or my child that lives at home. They are a nasty company that bilked {$900.00} out of my mom, who has XXXX, for an XXXX XXXX that was covered by her insurance, and the aXXXX XXXX wrote off the copay already that Medicaid didn't cover. I feel these people get their accounts from Medicaid write offs, as I've not experienced them outside of a medicaid co-pay issue that was settled without going to collection. THEY ARE A SCAM. They are rude, they don't need people 's private information. How they legally operate is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo foreclosed on our home XX/XX/2016 after 3 years back and forth with our attorney and we were in a loan modification at the time, that they told us had to be redone. They suddenly foreclosed, no notification to us. I was advised XXXX day when I called for a weekly follow up

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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. These accounts are not mine no payment history nothing.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX Date XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion responded in previous complaint XXXX, stating it will take 60 days for reinvestigation. This is not acceptable and is a violation of my rights and FCRA Rule 15 USC 1681i B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

Case was received by TransUnion on XX/XX/XXXXXXXX 45 day extension for completion is XX/XX/XXXXXXXX  and 30 day time lime is on XX/XX/XXXX XXXX I want completion of investigation resolved either by XXXX XXXX XXXX Punitive damages cost will be assessed and filed against TransUnion on XX/XX/XXXXXXXX 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 2023-04-25
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my 1st PSLF in XX/XX/XXXXXXXX  to XXXX. I was asked for a w2 for verification which I submitted the same day in XX/XX/XXXX. The loan was transferred to MOHELA in XX/XX/XXXX. I was told it will be processed and was rejected twice. I submitted by last w2 again ( year XXXX  ). My form was submitted for a manual review. Now I am being told that the same form has to be reviewed again. It is local government ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I have provided w2s twice to 2 different companies. My spouse, who holds the same position at the same exact employer had his payments applied with no issues. I completed his form for him and put the same exact information but he was credited without any problem. The only difference is the time period and that I now work for the federal government. I have been trying to get 9 years worth of PSLF credit added since the changes were announced in XX/XX/XXXX. I am over 120 payments and would love for my balance to finally be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to dispute the following incorrect information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Despite my attempt to resolve these issues, I have not received any response from them. 


XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8500.00} ) - You are reporting the account balance incorrectly. I believe the actual balance is lower than {$8500.00}. Furthermore, please remove the information regarding the past due amount, as it should not be reported since this account is closed and charged-off. I request that this account be marked as disputed to prevent any negative impact on my credit score. 
XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7900.00} ) - The following account was never late. Please remove the late payment from the account. 
XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX Balance : {$2500.00} ) - The information presented for this account is inaccurate. The original creditor is XXXX XXXX XXXX, not the company you indicate. Additionally, the balance reported is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$330.00} ) - The information presented for this account needs to be investigated. The original creditor is XXXX XXXX XXXX XXXX, not XXXX. The reported balance of {$330.00} is inflated and inaccurate. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXX XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$610.00} ) - The information presented for this account is inaccurate. I recall having a lower balance than {$610.00}, and the past due amount should not be reported since the account is closed and charged-off. I request that this account be marked as disputed and that you verify the Date Opened, Date of Status, and First Reported.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Wells Fargo settlement from my old account missing.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When XXXX was there would overdraft me when a payment came I had money to the fact the took my whole XXXX check away and make other bills late and charged late fees. Dates from XXXX. Having to call them each month due to not paying the amount when the money was there.

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 2023-01-19
Company: Hanna Holdings Inc
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I supplied and XXXX deposit on a property that I was looking to purchase at XXXX XXXX XXXX XXXX # XXXX, XXXX Ohio XXXX for the amount of {$2300.00}. At the time of the initial purchase agreement the deal was to be cash, the deal was later switched to financing which the agent, XXXX XXXX, Real Estate Licenses : XXXX ( OH ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX was made aware of. The purchase agreement was never amended by XXXX, I was declined for financing because the building was not insured correctly and now the seller refuses to return the earnest deposit because the contract was never changed by our agent. 

I am a XXXX veteran and my wife is a minority and this {$2300.00} is very important to us

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}. Please remove.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Overdraft fees and NSF fees on money transfers where I had sufficient funds to make the transfer causing other NSF fees.

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