BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Today is XX/XX/2022 I called Trans Union twice and spoke with XXXX and with XXXX in regards to an investigation. I was told by XXXX that they did not investigate my claim that it was my job to do the investigation and send them the supporting documents to support my claim. I ask the representative XXXX how could she say that the claim was verified, if they did not investigate. I asked her to substantiate what verified means, I asked if they provided a statement, a note or contract signed by me or a transaction history. She stated no they verified my information only, I requested that they immediately remove all XXXX XXXX XXXX XXXX and that they immediately remove every account that is related to XXXX  XXXX from my credit report as they did not properly investigate and validate the debt. I told the i formed her that she stated to me that they did not investigate and it should be removed she hung up on me. I called a second time and spoke with XXXX. XXXX stated that she apologize for XXXX representation on the phone she stated that those items were verified, I ask how were they verified without an investigation and asked what supporting documentation did they receive to substantiate that they have the right to place these items on my report. She stated that they do not receive any transactional history or documentation from the collection agency, That they only verified that what they are reporting is the same thing that the collection agency is claiming without proof. she then told tell me that I needed to provide proof that its not mine, I ask how can I provide proof if theres nothing to prove. I asked was is it legal for them to allow anyone to take your name address and a fictitious number and place it on your account without validating that whats being said is true and that it is associated with the correct person. She stated that she understand what I was saying but they do not investigate. She told me to file a claim with CFPB. I told her I would file against them as well for unethical behavior, she said the call is recorded and I stated that I was recording them she then hung up. I have 2 cases where I called and was told that no investigation is being done for XXXX XXXX XXXX and 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 2017-08-25
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: Problem with personal statement of dispute

Complaint:
Due to a computer glitch, in XXXX-XXXX un 2016, that was Transunion problem, not mine caused my inquiries to be deleted. Transunion later added them back to my report without giving me legally required written notice within 5 days before readding them. I tried to reach out in good faith and kindly asked them to delete what was illegally re-added. These inquiries added a hardship and my rights were violated. I am asking for your help to stop Transunion from victimizing me. As a resolution I ask that all my Transunion inquiries be deleted permanently from my report as a violation took place and they were illegally added.

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 2017-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : XXXX I never authorized XXXX  XXXX nor XXXX to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.

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 2017-08-25
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : Credco I never authorized XXXX  XXXX nor Credco to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.

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 2022-09-02
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim for unauthorized access to my checking account to # XXXX XXXX on XX/XX/2022 after filing the claim I received notice that the funds would be reversed because the merchant claimed that I benefited from the unauthorized access my checking account this is what is stated on the reason for my claim being reversed and I also have documentation record it as to the statement that was made by the adjuster or investigator who handled the claim so in essence what they are saying US Bank is saying is that its OK to steal money from a persons checking account as long as that person appears to have benefited from the funds that were stolen. And that is absolutely ridiculous!! I never authorize the merchant to remove any funds from my account in fact I never gave them access to that card number except for when I made a purchase at the store this transaction was not a purchase from their store it was a mobile phone payment that was never authorized from the beginning the resolution that I am seeking is the return of my {$220.00} that was taken without my permission!!!!

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 2017-08-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian is incorrectly reporting that I was 30 days past due in XX/XX/XXXX for my XXXX XXXX XXXX auto loan. I do n't know how this happened. For years, this account has been paid off and closed and has n't reported activity since XX/XX/XXXX. Since XXXX, this account has been reported as a paid off account that was always paid satisfactorily and never late. The account number is " XXXX ''. I am attaching a screenshot of a bank report from XX/XX/XXXXof this year that shows how Experian did not have a late on this account. Somehow last month, Experian started reporting that I was 30 days late in XXXX of XXXX. I was shocked to find this out because this is incorrect inaccurate information and needs to be deleted immediately. I know this for a fact as I still have all of my monthly statements. Moreover, XXXX and XXXX are not reporting a late on this account. This is more reason to believe Experian is making this reporting mistake. I will also be including a section of a recent report which shows how only Experian is making this mistake.

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 2017-08-25
Company: EQUIFAX, INC.
State: GA
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 have been requesting verification of the following accounts that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification onXX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to Equifax with same old script, " your account has been verified via XXXX ''. No record of any inquiry from Equifax or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2020-07-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
received online approval on XXXX.20 and email saying card approved. suntrust even called on phone to verify information. recd letter on XXXX.20 dated XXXX.20 saying that card is declined because they can not verify income or employment. they never called me even though they said they have. credit score is XXXX why is suntrust pulling this unprofessional XXXX. They need to call me at XXXX and explain the lack of professionalism in this matter. There are many banks to get cards with. Suntrust apparently has a lack of leadership in the credit crd dept and does not manage staff appropriately. Now I have a hard hit to my credit and Suntrust is coming up with XXXX. Way to go Suntrust, good job ... ... ... ... ... ..

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 2017-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: U.S. BANCORP
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My husband and I were selling a puppy. We were contacted by a person who said they were interested in purchasing him on XX/XX/XXXX. He was out of state, but was going to use a shipper vet he had used in the past for his daughter to bring him home. He would send us a check via certified mail. When he messaged us to let us know the check was on it's way, he said his financial person had made a mistake and wrote a single check for {$2700.00} and " hoped we would do the right thing. '' We were asking {$1100.00} for the dog ; the rest was for the shipper. We received the check on XX/XX/XXXX and deposited it. The bank cleared it on XX/XX/XXXX. Once it cleared we contacted the buyer and coordinated when the shipper would pick him up. They planned on the next day. The shipper asked to be paid prior to pickup and my husband sent him the {$1600.00} via XXXX on XX/XX/XXXX. On XXXX I saw that the check had been listed as a returned item and we were now negative in that account. I knew immediately what had happened and realized we were scammed.

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 2022-03-08
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:
Several accounts are inaccurately reported on my Equifax report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the Equifax report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX & it inaccurately reports that I owe XXXX  now. Last week, it did not report that account or amount. I never owed a charge-off of {$3.00} at XXXX  and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a credit freeze on my credit report. On XXXX XXXX I received my experian credit report and experian has aloud companies like, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and others to get a copy of my credit report. Even on my experian report it has in bold letters ( FILE FROZEN DUE TO STATE LEGISLATION ). experian has been allowing this for years. I put a freeze on my credit report back in XX/XX/XXXX. I have never applied to these companies. Now a day 's I know every one is making money on selling are information but we are expect to be accountable for are actions and are own credit reports these companies should be accountable for their 's.

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 2019-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recently got approved for {$7400.00} credit limit on my Chase Sapphire credit card credit reporting name JPMCB CARD. it was open and activated on XX/XX/2019 and i was using it regularly for my bills and paying full balance off. Not even a month goes by, and i'm at the XXXX store trying to purchase XXXX   for my business startup, and i get a declined at the store. Completely humiliating me in front of customers. I feel like i am being discriminated against. when i called to rectify the problem, they stated that there were too many seeking credit for too many accounts. Also, now that it has a balance of approx XXXX dollars, they expect me to pay that but not re open my credit card after reconsideration. I have not misused any of my credit and this credit card company and i really like there product but if i have to go to social media. Solution, please re open the credit card with the full benefits i had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Text message received on XX/XX/22 stating fraudulent activity. Reply yes or no if authorized transition. My husband responded no and we immediately contacted Wells Fargo Bank as we were on the phone with the bank we received a call from fraud department. We asked the Wells Fargo rep if we should answer the call and verified the number with her she replied yes. It was a scammer pretending to be from the financial institutions fraud department. The callers number was being spoofed. The scammer told us we need to verify our identity, the scammer asked for the online banking username and told us to read back a passcode sent via email. He then instructed us we need to send our current balances to our selfs through XXXX in order to set up new accounts. As soon as the translation was complete the scammer hung up. XXXX dollars was sent. We immediately called Wells Fargo back and spent over XXXX hour filling a claim and changing account username and password. Rep reported that the transition was pending and has not went through yet. Was charged overdraft fees. Called multiple times to find out the claim was denied due to no error and rep reported the claim was filled incorrectly and not has a fraud claim. New claim and escalated complaint filed on XX/XX/22. Account was locked on XXXX/XXXX/XXXX, had to call customer service to unlock account. Never received call back on complaint. On XX/XX/22 second claim denied. Went directly to bank and spoke with banker and manger. She filled another claim on XX/XX/22 and was going to contact XXXX XXXX XXXX. Printed out passcodes documents and given to bank on XX/XX/22. Police report filed XX/XX/22. Received call XX/XX/22 from customer service on new claim needing more info. As of today XX/XX/22 no follow up received.

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 2019-11-29
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:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Sklar Law LLC
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was a student at the XXXX XXXX in XXXX New Jersey from XX/XX/XXXX to some time in XX/XX/XXXX. Upon removing myself from the course I was told my personal loan was able to be returned to the creditor in full and I would only be responsible for the federal loan portion of {$1000.00}. The XXXX closed due to Covid 19 in XX/XX/XXXX and I am now being sued for {$5400.00} and it appears as if the personal loan was never returned like I was told it was. I cant even contact anyone associated with the XXXX because they are closed and all redirections to obtain my files are now defunct. The company who has now obtained this debt is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: PA
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:
I was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX Account # XXXX, and XXXX 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. 

In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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