BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account : 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 2023-02-02
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:
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 explanation
Consumer complaint received 2023-06-15
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a VS credit card account. I paid my balance in full [ about {$53.00} ] in XXXX. Apparently, a few days later, interest was assed to the account. Since I thought my balance was {$0.00}, I didn't make a payment in XXXX or XXXX. Late fees were added to the balance and the {$30.00} balance was reported to the credit reporting agency in XXXX. As a result, my credit score has dropped more than XXXX points. VS did not attempt to contact me regarding the delinquent balance beyond sending a couple of emails which were diverted to my SPAM file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to XXXX   TransUnion and XXXX  credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. XXXX, TransUnion and XXXX  sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXXXXXX XXXX XXXX.  if this account was investigated without belief that it was not and verified, my question is. with what proof???

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 2021-06-11
Company: EQUIFAX, INC.
State: DE
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
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:
Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ) and I noticed that this unauthorized inquiry had been made : When I asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LATE PAYMENTS Part XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to update my Payment history and or delete all late payments from the below account/s transactions experiences between the consumer and the person making the report A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

[ XXXX XXXX XXXX XXXX XXXX Account # XXXX ] Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 16XXXX ] Best regards, 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 explanation
Consumer complaint received 2023-05-01
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
XXXX XXXX at citi bank location in XXXX ca bank location XXXX. The address is XXXX XXXX XXXX XXXX Ca XXXX. She was very rude and I feel like that she was racially profiling and discriminating to me I would like for her not to be a teller. She should be working in the back because she doesnt know how to do customer service skills.

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 2023-02-01
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Opened an account online with Truist Bank on XX/XX/2023. 

On XX/XX/2023 I attempted to login to account but got a messaged saying the following : Account locked - your online access has been restricted for security purposes. To resolve this issue, please contact the Truist Contact Center at XXXX. 

I called the number and the representative told me to contact their fraud department at XXXX. I called the fraud department and they told me they could not provide any information to me, that I had to visit a local branch to get more information. Problem is that there is no local branches near me. Closest branch is about XXXX miles from me. I told them this info and rep basically told me to call the branch and see if they can help. I called the branch and they told me they could not help me with this request, that I need to contact the fraud department. 

Really disappointing experience and I had just enrolled my direct deposit to this bank and I am not able to access my money due to the unprofessional services provided by this bank.

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 2023-05-01
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent XXXX, XX/XX/XXXX I sent XXXX, and XX/XX/XXXX I sent XXXX through XXXX via Wells Fargo. This was all for a deposit and first month rent on a rent house. When I met to get the keys he never showed up and later that day I learned someone lived in the house. Wells Fargo did an investigation but the funds were already transferred and the sent a letter stating the cases were closed that I received 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 explanation
Consumer complaint received 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has committed XXXX XXXX against me and my company. They have garnished my accounts of thousands of dollars under false pretenses. They have unfairly turned me down for loans, credit cards and secured credit cards when the money was in the account. I have had to argue and fight with these banking institutions for years. They have practice unethical practices and behavior..

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 2021-06-11
Company: ProCollect, Inc.
State: CO
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-09-16
Company: EQUIFAX, INC.
State: OR
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:
Good day, After receiving a FICO score alert from my XXXX XXXX account, it has come to my attention that a XXXX credit card account was opened and abused without my permission under my name and sent to a rental property address that we own. Please let me know if you need further information to resolve this issue. I am requesting that this account be removed from my credit reporting agencies upon receipt of this letter. We are applying for a refinance on our rental property and this account has dropped our score considerably. We believe a family friend who was residing at our rental property at XXXX XXXX XXXX XXXX XXXX for the last 7 months is the one responsible for these fraudulent accounts being opened. We know he also resides in California, but has had a history of XXXX XXXX, along with XXXX XXXX   and were providing him a place to stay while he was attempting to get his life in order. We believe he had accessed our personal information that was stored on-site at our XXXX XXXX property and used it open several credit card accounts. We have contacted the proper authorities as well. Please provide us with any further information, as we will be notifying the credit bureaus as well. We are also filing complaints with the FTC, XXXX XXXX XXXX and the Consumer Financial Protection Bureau to make sure we are not held responsible for this fraudulent account and charges. I do not understand why I did not receive any phone verification from XXXX in order to open this account. All the other creditors I have past accounts with have gone through a multiple-step verification to open a credit card account given the amount of ID theft these days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
I was a victim of identity theft and accounts was applied for and opened with out my knowledge or consent. I am not liable fotr any debt that occurred or was created due to this fraudulent activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-09-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SANTANDER/XXXX XXXX XXXX. 1 ) 3 COMPLAINTS FILED WITH NYS DEPT.of FINANCIAL SERVICES. LENDER PROVIDES NYS WITH CORRECT ANSWER THEN TAKES OPPOSITE ACTION WITH THE BORROWER. LENDER HARASSES BORROWER WITH COLLECTION ACTION BOTH WITH CORRESPONDENCE, PHYSICAL HARASSMENT BY ENTERING MY PROPERTY, AND PHONE HARASSMENT. AS OF TODAY MY MORTGAGE IS PAID TO DATE AND THE NEXT PAYMENT DUE IS XX/XX/XXXX TO COVER THE PERIOD XX/XX/XXXX -XX/XX/XXXX. THIS LENDER BELIEVES THEY ARE ABOVE THE LAW. IN XX/XX/XXXX WE HAD A CHAPTER XXXX BANKRUPTCY DISCHARGED IN THE STATE OF NEW YORK. WE NEVER REAFFIRMED OUR MORTGAGE WITH SANTANDER/XXXX YET LENDER IS CONTACTING THE BORROWER WITH THEIR 3 PRONGED ATTACK. THEY EVEN ADMIT TO AS MUCH IN THEIR RESPONSE DATED XX/XX/XXXX. THIS NEEDS TO BE STOPPED IMMEDIATELY AND LENDER SHOULD BE PENALIZED FOR THE FULL AMOUNT OF THIS MORTGAGE. WE PAY OUR MORTGAGE MONTHLY ON OR ABOUT THE XXXX OF EACH MONTH AND HAVE CONTINUED TO DO SO SINCE SOME EXTREMELY DIFFICULT FINANCIAL TIMES ( HURRICANE SANDY FOR 1 ECONOMIC COLLAPSE 2ND ) THIS LENDER HAS NO RESPECT FOR THE LAWS THAT PROTECT US DURING THE DREADED BANKRUPTCY PROCEEDINGS. PLEASE TAKE ACTION.

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 2018-09-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo Mort has yet to provide me the Notary book sign or any proof from the state of secretary of state of California notary. There has not been no such document from the state by Wells Fargo Mortgage as proof I sign and that my signature appears in the notary book with my signature.

As stated before the California All Purpose Certificate was never given to me or presented to me by Wells Fargo Mort.

Its been nothing but the run around 1 lie after another same old letter were working on the matter I been getting for year and half now. This is no more than fraud and Wells Fargo mortg.

Wells fargo Mort. does not send documents requested it's always things you don't ask for. Wells fargo sent last time half in XXXX writing. It's nothing but games with wells fargo when it comes to the documents and providing proof of what's ask for. It seems Wells fargo has a bunch of class a dummies that cant read or understand what's requested. I understand wells fargo employees are no more than deceit and lack of morals when asking for the documents. Stop sending things or trying to justify things of documents with no proof from the Sec of state.

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 2023-05-01
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This card was sent to wrong address and used by someone else and when I tried to pay it off or set something up to get help with what occurred they had already closed my account. And I didnt know it was sold to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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: Account status incorrect

Complaint:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at XXXX and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.

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