BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 XXXX  Accounts # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Child Support XXXX XXXX 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

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 2023-08-17
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I trust this letter finds you well. I am writing to address a matter of utmost urgency and concern that I have been facing with my US Bank account. It has come to my attention that my account has been compromised due to identity theft, resulting in unauthorized access and fraudulent activity that I had no involvement in.

I was shocked to discover that my US Bank account was no longer accessible. Upon further investigation, I learned that unauthorized individuals had gained access to my account and engaged in fraudulent transactions without my knowledge or consent. This has not only put me in a distressing situation but has also caused significant financial harm. 
I would like to emphasize that I have taken all necessary precautions to safeguard my personal and banking information. I have not shared any confidential details, passwords, or security codes with anyone. The fact that my account was still breached raises serious concerns about the security measures employed by the bank. 
I have since been in contact with your customer service representatives, and while they have been sympathetic, I have not received the level of assistance needed to rectify this situation. I have been left to bear the financial burden of transactions that were carried out without my consent. 
I understand that incidents of identity theft can be complex to resolve, but I am hopeful that US Bank, as a reputable financial institution, will take immediate action to investigate and rectify this matter. I request a thorough investigation into the unauthorized access to my account and a comprehensive review of the fraudulent transactions that have taken place.

Furthermore, I urge US Bank to work with me to ensure that the financial losses incurred due to this incident are fully reimbursed. It is deeply distressing to be held responsible for transactions that were orchestrated by malicious individuals who have taken advantage of security vulnerabilities. 
I appreciate your prompt attention to this matter and kindly request that you provide me with a detailed plan of action for resolving this issue as soon as possible. Enclosed with this letter are copies of documents that support my claim of unauthorized access and fraudulent activity. 
Thank you for your understanding and assistance in this matter. I look forward to a timely and satisfactory resolution that will alleviate the financial strain I am currently experiencing.

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 2021-09-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current interest rate is about 5.9 %. I started the refinance process with Citizens mortgage ( the branch in XXXX Michigan ) back in XXXX of 2021. I supplied my loan officer with every document that they requested. Now we are towards the end of XXXX and I have not closed on my loan yet. Had my loan closed, I would have saved a considerable amount of money. I have requested that either we close or my appraisal fee be refunded to me so I can go to a different organization. Despite my multiple attempts to get a hold of anybody that can help me, no one has responded to my phone calls or emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-09-22
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: Reporting company used your report improperly

Complaint:
The company EQUIFAX included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family. 

I ask that the information about XXXX XXXX XXXX, XXXX be deleted from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax,XX/XX/XXXXXX/XX/XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX XXXX, am writing in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The following inquiries are on my consumer report that were not applied for by me : 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 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 2023-02-24
Company: TRUHOME SOLUTIONS, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TruHome Solutions , LLC is my mortgage company. On XX/XX/XXXX XXXX XXXX did an Annual Escrow Account Statement Disclosure. TruHome Solutions did not receive my homeowner 's renewal policy nor did they let me know they did not receive until I brought it to their attention on my phone call to them on XX/XX/XXXX. Then I received a letter in the mail on XX/XX/XXXX dated XX/XX/XXXX stating that they did not receive my insurance renewal notice. On XX/XX/XXXX I brought to XXXX XXXX attention that they underestimated my insurance by {$1500.00}. That is when they stated that per Fl. Statue blah, blah, blah they had to run that disclosure when they did without the insurance renewal notice. I asked them to run another Annual Escrow Account Statement Disclosure after I emailed them my insurance renewal notice plus had my insurance company email it to them per the email address TruHome Solutions gave me. I called them numerous times up til today XX/XX/XXXX. I have recorded conversations with TruHome that I asked permission to record them which they said yes everytime. On XXXX I mailed out a check for {$900.00} which they did not apply to my escrow account until XX/XX/XXXX. I also called TruHome on XX/XX/XXXX and gave them a phone payment of {$1000.00} to my escrow account which they applied on XX/XX/XXXX. By the way they sent me a check for {$85.00} on XX/XX/XXXX saying I had too much in my escrow account which I did not. So now TruHome puts my mortgage payment down to {$860.00} for XXXX payment. Then for XX/XX/XXXX I get a Mortgage statement dated XX/XX/XXXX with the amount due {$1100.00}. Then I get another Mortgage Statement dated XX/XX/XXXX with the amount due {$2000.00}. So I called TruHome today and was very upset because I am on disabliity and only make half that amount. It would take both my income and my spouse 's income to make the mortgage payment let alone living period. Now on the phone TruHome said that they ran another Disclosure Statement and I should be receiving it in 10-15 days. Well, first they applied {$290.00} to my escrow account which I paid in XX/XX/XXXX ; then they took off the same amount saying it was a misapplication reversal. Also they did not apply my payment of {$860.00} total for XX/XX/XXXX which I paid. Can you, please, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) .The following account is listed below : NCA XXXX XXXX - {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo underwriter mismanaged our loan. error from origination. I have all the documents pertaining to this not answering to this problem they created. In XX/XX/2021 we refinanced with them, they had it appraised, I have it on paper part of the property was not secured in the loan. Wells Fargo was not paying the proper taxes. Because of their mismanagement I had to send them a check for over XXXX or our mortgage payment would go up over XXXX a month. I paid them but our mortgage payment still went up over XXXX. They are in denial and will not take responsibility. This has been going on now for months.

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 2023-08-11
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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2023-10-14
Company: TrueAccord Corp.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated phone calls after I have asked them to stop calling. Mass spaming of email as you can see in the attached screenshot. I have recorded the ohone calls and me asking them to stop calling as well and they still do.

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 2019-11-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

ALSO, PLEASE UPDATE MY CURRENT EMPLOYER : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I was offered a free skin care product and taken to a chair and the person applied product to my face. They told me the cost and I said no and began to walk away. They stopped me asked if I had credit cards I pulled out my wallet and before I knew it the were grabbing my cards and took 3 cards and started calling the cards and maxed out 2 of them. One for aprox XXXX and one for XXXX. The phones they were using were spewing out tiny receipts like you would get at a connivence store. The receipts were never signed by me and they threw a few boxes of their skin care products in a bag and hustled me out of the store. I was flying home to California the next morning and did not even look at the bag until I got home. I was shocked to see the charges, notified my banks immediately and sent back the products. My XXXX XXXX is investigating this, while the Bank of America said they were going to investigate it I quickly received a letter from them denying my claim and said I was responsible for the money. I sent faxes, called daily, found new evidence daily concerning this fraud of a company and am in the process of filing charges against them with the XXXX police dept. they have an f rating on the XXXX  and all complaints were similar to mine. I have copies of everything, sent the to BofA and they said sort it is your fault. I asked why is it I buy something T an XXXX XXXX and before I get home there is a message from you about a fraud alert. Why did you not notify me right away when one company XXXX XXXX XXXX called you five times requesting outrageous amounts of money was there no alert. They said sorry I asked to speak to supervisor he told me exactly the same thing and when I asked for his last name and email address he told he could not tell me that. Case closed. They were very rude and robotic in all their answers to my questions. The did no investigation as XXXX XXXX is diligently working with me and reading all faces and emails. Bank of America would rather pay this fraudulent company than their customers who have been with them for 40 years and spent hundreds of thousands dollars at their bank. Of course I am closing my account but I want to take responsibility for not backing their customer at all. They make you make over an hour to talk to anyones d will not talk about it in their banks. Everyone I have told this story to has had similar experiences with them and all they they HATE Bank of America

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 2021-04-23
Company: EQUIFAX, 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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I greatly appreciate you removing a portion of the fraudulent items off of my Credit File but I believe you still report a portion of the disputed items that resulted due my identity being stolen. I am requesting you to please comply with the Fair Credit Reporting Act section 605b and have the disputed items deleted off of my Credit File as soon as possible. I have read that under the provisions of the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required by Federal law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, I request that you send me copies of proof of verification or any documents you might find bearing my signature to support such claims. If you found no documents, immediate deletion of the disputed items is to be expected. Once again, I am requesting you to please remove the following items off of my Credit File as soon as possible : 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 2022-04-11
Company: EQUIFAX, 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  Account XXXX XXXX XXXX, US DEPT OF EDUCATION 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information on 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