BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been sending disputes and calling in about these accounts for the past XXXX years, dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now today. 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.

I told Transunion to reinvestigate these accounts : Account name : XXXX XXXX  {$470.00}, Account name : XXXX  XXXX Bankruptcy, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX  shows opened XX/XX/XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX High balance shows {$150.00}, Account name : XXXX payment status should be account in good standing, paid/never late, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX XXXX shows {$300.00} XXXX Account name : XXXX Bank {$5900.00} XXXX XXXX date XX/XX/XXXX, Account name : XXXX XXXX # XXXX  Balance showing {$1000.00}. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect??? According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: KLS Financial Services, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At XXXX, I was contacted by KLS Financial Services at XXXX ( XXXX ) XXXX from XXXX XXXX NC about my debt for backrent with XXXX XXXX. I was at work and ran outside to try and speak with them. I explained to the lady on the phone, an agreement I made with Landlords that we would settle upon them withdrawing my eviction case and we would come to an agreement to repay back rent. We came to a stipulated agreement that I would not be evicted but would leave by a specific date, and they would in turn withdraw the case and I would come to an agreement outside of debt collection with them to payback rent. 

They never withdrew and I was contacted by this debt collector. The collector said I had to make an agreement with them, for $ XXXX for 12 months. I am still in a bind living back home paying rent, a car rental, etc, and I asked for time to figure this out as I am at work- they said they need to set something up now and that i can ask a family member to help to put it on a credit card? I asked for them to email me this information several times so I can have it on file/my records as I figured out a plan. She was adamant about not emailing me anything because there was no point, and that I must create a payment plan with them today else they will have to report it, severely damaging my credit. I wasnt told about means of mitigating this situation nor why it went to this point. I am at work and they have given me basically an ultimatum that is more stressful than they realize. 

I want the information of debt, and an itemized list of the debt and breakdown. I would like them to provide this information to me without the need of a sudden fear tactic. They said they would not email me, Despite asking multiple times and instead would opt me into texting to receive a text message of the amount owed and a means to pay. I need this all confirmed first before figuring it out.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On date XX/XX/31 my credentials were lost on a night out and I was unaware. Per 15 USC 1693f ( a ) ( 2 ) I notified the financial institution ( Chase Bank ) regarding an error on my account from an unauthorized transaction. Under 15 USC 1693f ( e ) ( 1 ) ( a ) the financial institution did not make a good faith investigation of the alleged error, due to the fact of me having this same issue prior with my debit PIN number being written on the card for health reasons, Ive informed Chase Bank numerous times of this in which it should be notated. As well as the Digital Wallet feature not connecting my debit card to my apple wallet which would prevented this entire situation, I conveyed this information to the CSRs & the local branches, to no avail. My prior dispute/claim had the same incident and it was granted in my favor which Im also seeking an answer for as to why they encountered a problem this time. Ive been violated of my rights and would like a fair and proper investigation into my claim as I did not complete nor authorize it and Im seeking the funds and damages Ive lost within this claim per 15 USC 1693m

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 my home was damaged from a broken hot water heater above me I submitted to my insurance company and settled with them and was issued a check made out to both myself and the mortgage company .I informed the mortgage company ( XXXX XXXX ) and was issued a ILD #. On XX/XX/2018 they then sent me numerous papers to me to fill out and informed me that the money would be put in escrow and dispersed as needed once I sent them necessary paperwork which included copy of the following insurance company 's adjusters report/estimate, mortgagor 's declaration of intent to repair, bid/work contract, form w9 for contractor, contractor 's license affidavit, signed check from insurance company, any receipts for work paid and completed and a letter if I wish to receive more than 25 % of the total amount in escrow. This was all sent to them on XX/XX/2018. Having heard nothing from them I called on XX/XX/2018 to follow up only to be informed that because the contractor had not signed the bid they could not process I then faxed a signed copy that day. On XX/XX/2018 I called again this time I was informed it was not processed because I had not signed the bid ( If I did not follow up how long would the file have sat before someone got in touch with me to let me know they needed these signatures ) but the supervisor assured me he would expedite the payment and I faxed a signed bid by me to them. XX/XX/2018 called again spoke to a supervisor who informed me that a check was issued for half of the contractors bid amount. After explaining to this supervisor that the contractor needed to be paid in full in order to complete the work as it required the purchase of a furnace and air conditioner unit she assured me she would contact the appropriate people and explain the situation and would call me the next day and update me. No phone call ever came On XX/XX/2018 I called again and was told that no supervisor was available to speak to me I said I would hold for them and was informed I could not hold and they would call me back within 24 hours. So here I am no heat, air conditioner, walls, insulation, ceiling 's, and flooring. I am XXXX XXXX and live with my XXXX year old mother and the temperature outside will be dropping into the 60 's in two days. I have advised the insurance company of our situation and they sympathetic to my situation they do nothing to help. I would really appreciate anything you can do to help me. I do not understand why the mortgage company who say they are so interested in restoring the property back to its original state ( as I am very anxious to do ) is controlling the money to do so from the insurance policy that I personally pay for not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I checked my online Bank of America XXXX unemployment account and found that {$15000.00} was stolen from my account. In reviewing the transactions, I saw that three unauthorized withdrawals for {$5000.00} each occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and reported this to Bank of America immediately on the same day. 
I did not authorize those transfers and my transfer-to account does not show receipt of those transfers. I do not know to where the money was transferred. A claim was opened and I was told it could take up to 45 days to resolve. I called the bank today, XX/XX/XXXX, to follow-up and was told that my claim was denied and no explanation was given. I filed a complaint and submitted a request for reconsideration, knowing that there could not be any possible evidence to find me liable for this theft. 
I spoke to a bank supervisor who reopened the claim and said it is unacceptable that there is no explanation and he told me to file a police report which I did. I have been calling 2 to 3 times a week and filed complaints and yet nothing has been resolved. I have faxed them the police report, the FTC ID Theft report, a written statement, and my photo ID. 

The written agreement with the bank says that I am zero liable for fraudulent activity and I know that I did not withdraw those funds, but the bank still to this date XX/XX/XXXX, has not restored my money and I am in financial hardship because of it.

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 2019-08-28
Company: WELLS FARGO & COMPANY
State: AZ
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:
I'm filing this complaint against Wells Fargo because Wells Fargo has not only failed to prove that I'm responsible for the charges but refuse to speak to me on the phone regarding the matter. I have called several times and I was recently reported to XXXX XXXX by Wells Fargo and that is completely unacceptable. What I do know is I lost my card, or it was taken. I do know that due to my memory issues I am known and prone to leaving things around and I do not know of a person who would take from me, so this had to be a stranger. Wells Fargo has been on my side before and is a reputable company, BUT in this matter, I find myself on the short end of the stick and that is not going to work from a consumer stance. Per Federal Regulation E and the Federal Reserve, each claim is to be investigated thoroughly and I'm formally through this complaint requesting in writing PROOF that I was the party who used the card and authorized the charge. The charge of {$1900.00} for claim # XXXX was not completed or authorized by me at all. 

I've called and requested the copies of the documents used in making their decision and reps hang up on me, leave me on hold and are not open to assist. XX/XX/19 I mailed a letter requesting the documents and requested for the claim to be reopened and the charge to be redisputed. The lack of communication has been XXXX and has caused me much XXXX and only fuel my poor XXXX health. Wells Fargo closed my account and essentially blamed me for someone taking advantage of me and taking my funds. I need Wells Fargo to look into this matter ASAP!

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 2022-11-08
Company: Experian Information Solutions Inc.
State: NM
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:
First of all, I want to say thank you for approving my COVID forbearance during the pandemic as it was a time of a lot of uncertainty and overall a very difficult time for me financially. 

I am writing to request your help as I recently learned I have several rolling 30 day lates on my mortgage which started back in XX/XX/XXXX then ended when my forbearance was approved in XX/XX/XXXX. 

I recently called and spoke to a representative named XXXX who helped me understand that I missed my XX/XX/XXXX payment then all of my future payments were posted for the previous month. This is unfortunate as I had no understanding of the missed payment issue and would have doubled up to get it addressed right away. 

I strongly feel most of the rolling 30 day lates are inaccurate because when I made my payments on your portal each month I was making them within the 30 day window yet I was still getting reported as 30 days late most months. It is my understanding that as long as I made the payments within the 30-day time period I wouldn't have been a full 31+ days past due which is what is required to report me as 30 days late.

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 2020-12-19
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX continues to sale a collections account in the amount of {$2400.00} that does not belong to me To date, they have sold a passed my information to 5 companies. I am not the owner of this account. I do not have nor have I ever had an account with XXXX XXXX XXXX or its affiliates. Each time I dispute this matter, months later it reoccurs as a problem. On XX/XX/XXXX I will follow suit. This issue has taken up a lot of my time and energy and I refuse to suffer from this matter and further. Currently, the company reporting this inaccurate, false, denominational information to my credit is a company called Credence Resource Management. This information was reported to my credit account on XX/XX/2020. Each time the account is removed only to resurface 5 to 6 months later. I have never received any collection documents, phone calls or any form of communication from XXXX XXXX XXXX or its affiliates other than the account being placed on my credit. 

I would like this information published immediately so that the people whom are suffering from the false and inaccurate and negative information these companies are allowed to publish on their personal credit. I will use whatever resources available to me via the allow to pursue this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: TX
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:
Called to do a skip a payment.. it was approved i paid the required fee and was told to sign a paper i would receive within 10 days.. never received the letter so i called and i was told i would have to resubmit the application and that i would not have to pay the fee again since i already paid it well 30 days later my credit gets hit with a late fee and my credit dropped dramatically i called them and XXXX  said that its because i never paid the XXXX that was due for the skip a payment because the old fee of XXXX was applied to my account but not to the skip a payment so now it put me as XXXX past due and it keeps putting me late.. they are supposedly looking for the conversion where their employee told me I wouldnt have to pay it again since i already did but the executive team ( who I cant for the life of me reach in any way ) told me their associate was wrong but they where gon na look for the conversation where their associate told me I didnt have to pay its been a little over 3 months and no resolve my credit has been affected very very badly due to this i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX, citibank locked down my checking account ( XXXX ) with no explanation. my case i.d . is XXXX XXXX. 

XX/XX/XXXX, i was referred to citibank employee, XXXX XXXX, who said they needed my employment information from 30 years ago (!? ). that was sent. then she referred me to XXXX XXXX at XXXX XXXX  never responded to repeated calls. 

XX/XX/XXXX, my citibank credit bank 's auto payment from my checking account was cancelled. this credit card pays my father 's recurring XXXX premium. at this moment, two physicians are trying to prevent the XXXX XXXX XXXX XXXX XXXX XXXX. my father 's credit card also pays for his prescription drugs which average {$1500.00} a month and are necessary to keep him living. 

XX/XX/XXXX, i contacted XXXX XXXX again and told her i lived off my social security and IRA with some gifted money from my father at XXXX  she told me i was suspected of money laundering because i transferred several XXXX XXXX  over several months to my checking account from XXXX  XXXX. i make similar transfers to XXXX XXXX XXXX and they have never locked down my account. a loyal customer for 30+ years without a blemish and i am accused of being a criminal. 

last year, i received a {$100000.00} home equity loan from citibank after filling out mountains of information. i repaid the loan after one year. my XXXX old father lives in his own house and requires a 24/7 salaried caregiver. his annual expenses approximate {$100000.00}, a third of which is medical. 

my father has over {$1.00} XXXX managed by citibank in their equity fund which he began 20+ years ago. the checking account amount is currently 1 % of his citibank stock holdings. would citibank like us to move this equity fund money elsewhere? 

it has become obvious that citibank divisions do not communicate with each other. i told XXXX XXXX about my home equity loan but her checking account division can not contact them!? they can look at my online citibank accounts and see that i have a {$100000.00} line of credit for future use. citibank locks down my five-figure checking account but keeps open my six-figure line of credit? 

if whoever looked at our credit card charges, they would see ordinary purchases plus a huge pharmacy bill. 

does any of the above fit the pattern of a money launderer? or does this fit the pattern of a XXXX old social security recipient caring for his XXXX XXXX XXXX father? 

citibank should get on its knees every night and thank god for XXXX XXXX XXXXXXXX. or citibank would be the worst bank in the world.

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