BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NC
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 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, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Was not notified of investigation status or results

Complaint:
Hi this is XXXX XXXX. with XXXX writing wth regards to the letter I sent you last time because it seems you have not taken action. there has not been changes nor I received a response from your agency. I hope that with the help of CFPB you will take everything seriously because the errors that I was asking for you to delete was all 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
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Upon requesting and viewing my credit file with Transunion ( XXXX # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Transunion ). Here are the errors that I need Transunion to correct. 

1. XXXX XXXX XXXX This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XXXX of 2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 

2. XXXX XXXX This account is paid in full. 

3. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed. 

4. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including XXXX XXXX XXXX. regarding " LATE PAYMENTS '' Regarding XXXX XXXX  # XXXX The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. Any further contact regarding LATE PAYMENTS by you, GREATER XXXX # XXXX your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. Task that you respect my consumer rights.

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 2022-12-03
Company: NAVY FEDERAL CREDIT UNION
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 XXXX  account # XXXX, has violated my right 15usc 1671 section 602 states I have right to privacy.15 usc 1681 section 604 A section 2 : it also states a consumer right furnish an account without my written instructions. 15 usc 1666b : A creditor my not treat a payment on a credit card open-end consumer credit plan as late for any purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: JPMORGAN CHASE & CO.
State: NV
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:
To whom it may concern, - XX/XX/XXXX an unauthorized amount totaling {$0.00} cents was deposited to my Chase business checking account. 

- XX/XX/XXXX an unauthorized amount totaling {$2300.00} was withdrawn from my Chase business checking account. 

- Both incidents where initiated by the website XXXX and the transactions where unauthorized and done without my consent. 

- XX/XX/XXXX the suspicious withdraw was noticed and I filled a claim with Chase immediately. Claim # XXXX Chase bank acknowledged the fraudulent transactions over several phone conversations but still they refuse to return the money. Since the claim was filled, the money has been returned to my account only to be taken back out by the claims department on 3 different occasions. 

On the final phone call with chase, I was told by an upper management representative of the claims department that because I did not alert claims about the {$0.00} cents deposited by XXXX on XX/XX/XXXX, it made the withdraw for the amount {$2300.00} justifiable. 

Please, I have been fighting to get my money back since. The amount {$2300.00} has been returned and taken back from my chase account on 3 different occasions. They refuse to give me written documentation stating the reason for not returning the funds. This is a large amount of money and need help retrieving it. 

Chase Bank XXXX XXXX XXXX # XXXX Routing : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I do not bank with CITI bank. I got a voicemail from CITI bank stating there was suspicious activity and to call them. I did. They stated someone tried to open an account in my name. I told them it was not me and do not push the application through. They did and I received the debit card in the mail anyway. I have talked to at least 5 people in the past few days trying to get this account closed. She said they will not close it because they have to investigate what happened, but that they would put a block on it. I do not want an account open in my name that I didn't open. Also I asked about the policy provided on their website : to apply online the person must show a government issued ID and social security number. I asked if someone requested all of that from the person that applied for this in my name and she would not tell me.

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 2021-09-07
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days & I haven't received any investigation results. 

Equifax 1. The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX  1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a company named Cach LLC attempting to collect an alleged debt in the amount of {$870.00} for XXXX XXXX XXXX XXXX XXXX. This debt is a result of fraud and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
the inquiries are identified as Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/2023 Wells Fargo closed my CD account which had {$250000.00} and it and failed to notify me that they closed the CD. When I called customer service on the XXXX of XXXX, I spoke to three different representatives who all said that they were not able to help me including two different members at the executive office. Both of these calls were recorded. The last rep ended up hanging up on me when I didn't except that they couldn't help me. I then went to the local Wells Fargo branch in XXXX XXXX in XXXX XXXX, where I had originally opened the account. The gentleman who opened my account was no longer employed by Wells Fargo, but I spoke to the branch manager. After four hours sitting with the branch manager and him explaining that my account was closed due to an invalid address, he refused to release my funds and they are still holding all of my money since XX/XX/XXXX. Since I was very vocal about this inside the branch, to other customers came up to me and provided me their contact information and wanted to find out the resolution to the issue of Wells Fargo not releasing my funds to me. Upon telling one of these customers that my funds are still being held hostage by Wells Fargo and they have no clue where my money is and won't do anything to help me retrieve my money, this customer decided to close their bank account with Wells Fargo. Upon her attempting to do so, one of the employees named XXXX ( XXXX ) mentioned to her that my account had illegal activity it and that's why my account was closed. This is a gross violation of the Gramm-Leach-Bliley Act ( https : //www.ftc.govXXXX ) too disclose any information about my account whatsoever to a non-related party let alone a complete stranger, and to blatantly make up a lie to slander me in an attempt to save another customers account. This customer has told me they're willing to provide a sworn statement and affidavit of the facts and what that teller said to her about my account. I have contacted several attorneys in relation to this as today is the XXXX and I still don't have my funds released to me and my local small business needs to make a large purchase, I am without liquidity because my money was stolen from me by wells fargo, I'm not earning any interest on the phantom funds that have disappeared, and no one has any sense of urgency to attempt to get my money back. I plan on visiting the bank today again to attempt to get my funds and file a police report if they deny me. Audio and Call recordings available as well.

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 2023-06-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX  XXXX XXXX XXXX all canceled any transaction i attempted which i paid from my debit or bank account all refused to allow me to do any transaction closed my account anf offered no explanation as to why!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureaus are reporting a bankruptcy on my reports but the courts does not verify bankruptcys, the court told me they do not verify that information. Therefore that information was pulled out from a third party reporting agency therefore it must be deleted from all three credits bureaus. I would appreciate it once deleted I would like to receive proof via email. 
My email address is 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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This message was not sent in error, I am a consumer by law and my information is being misused and as a result I have faulty not 100 % error-free accounts on my credit report. Unapproved use of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXXXXXX XXXX  : XX/XX/2022, never requested this company to pull my information. There are no written documents or signatures suggesting that I gave permission for this. 

XXXX XXXX XXXX : XX/XX/2022, never requested this company to pull my information. There are no written documents or signatures suggesting that I gave permission for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries are on my credit report that I do not recognize. 

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
RE : XXXX In accordance to 15 USC 1681 ( 7 ). 1 requested to see the description of what happened during the reivestigation. What was the method of verification was used. The company name, name of person, title, phone number conducting the investigation. I never received any copies of documentation during the 15 days. The Credit Reporting Agencies have to conduct a personal interview with family members, neighbors and friends in order to validate any debt by FCRA law. The Credit Reporting Agencies can not rely on information from a third-party that do not have first hand knowledge of transaction on report. None of the Credit Reporting Agencies did not call me or send me a letter to validate these debts. Which is another violation of the FCRA law. Company law does not Trump Federal law. The Credit Reporting Agencies is not adhering to the FCRA laws. I have sent in everything possible and they are still ignoring me.

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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ok my name XXXX XXXX and due to pandemic I lost my job just like millions of so I filed for unemployment which they had approved me to receive it but I had to open a bank account and I did with capital one back which they where ok for alil bite after my card was stolen and I disputed the charges and couple day later the money was in my account but capital one bank frozen my account at $ $ $ {$900.00} and I believe that nobody should have token or frozen the money they made me wait 15 day which turn into 90 then 120 not there lost never got back to me Im disappointed dissatisfied with my account being garnished or frozen due to me not having all my documents due to being homeless and due to pendimic

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
When I purchased my vehicle, I also purchased XXXX insurance. I became XXXX on XXXX XXXX. My XXXX insurance didn't pay one of the payments on the due date so instead of getting charged a late fee, I made the payment on time. I asked the company what would happen because my account would show an overpayment and I was told that the money would be returned to me. I received a lien release dated XX/XX/XXXX from Wells Fargo. I called the company on XX/XX/XXXX and asked about the overpayment and I was told that they would release overpayment on XX/XX/XXXX. I called again on XX/XX/XXXX and XXXX said check would come any day, that it was mailed on XX/XX/XXXX. I called the company on XX/XX/XXXX, and was told that they would have to fax me a paper within 48 business hours. I never received this. I called the company again on XX/XX/XXXX and told them I was contacting CFPB, they said the original check had been returned. I wanted to have them explain this to me, I was given a case number which is XXXX. Wells Fargo did call me on XX/XX/XXXX and I told them that they have 11 week before mi file this complaint. I feel that they have no care because this has been paid off

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have written Transunion and tried calling Several times and there is no way to speak to anyone.

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