BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
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: Reporting company used your report improperly

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete 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 2022-07-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/22 I authorized Macy to debit my XXXX checking account to deduct XXXX for my Macy platinum card to make payment for a special 24 month special events purchase. I did not receive a statement through the mail and is due each month on the XXXX. XXXXXXXX XXXX checked with XXXX and they stated Macy had not debited my XXXX  account. I was on the phone for it seemed an hour and was transferred 3 times and put on hold a 4 th time to be transferred once again in which the special services rep said their is a credit issue in which he would transfer me to the credit department. I agreed to be transferred but I was disconnected on purpose. My credit score is XXXX and I do not this blunder by Macy to effect it. Furthermore, I will now be charged a late fee and to also Macy charged {$5.00} to make a phone payment which is unheard of. Please help by texting or by phone as to what I can do to or how you can help me to correct this matter before it rolls into a huge credit issue for me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ 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 explanation
Consumer complaint received 2020-06-19
Company: WELLS FARGO & COMPANY
State: FL
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:
My account in Wells Fargo bank was charged without any authorization by XXXX XXXX XXXX. every month since XX/XX/2019. I reported to Wells Fargo, ( claim XXXX ) and WF bank did not refund that non authrized charges completely for all money that was withdraw by XXXX XXXX. ( {$130.00} per month ) Very unuzhuall responds for that fraud action. They, WF bank sent me letter and stated that they only responsible for 609 days back from " the statement ''??? 
Pls help 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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX XXXX XXXX and may have gotten into the wrong hands.

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 2019-08-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 2 automatic payments were issued to this lender. Once I checked my checking account I notified the lender to please return one of the payments back to my account. I was told that I had to wait for the check to be cleared by Federal Reserve. After waiting 2 weeks were then told to get a statement from my XXXX XXXX. After that I waited and then told it was being handled. It made no sense that the check we asked to be returned was not treated the same as the check that was applied as the XXXX payment. Bothe checks came from the same account. If the 2nd check was such a difficult item to process why not reverse the payment send that money back to me and apply the 2nd check as the payment. 
No where was it indicated nor did I authorize a principle reduction payment. This company held onto my funds intentionally. 

On XX/XX/XXXX I finally received a check in the regular mail in the amount of {$480000.00}. 
The payment amount submitted was {$4800.00}. The {$4800.00} should have remained in my account and accrued interest at 2 % for the 19 days it was erroneously held by this lender in their bank. I am demanding the return of my entire payment that was deducted from my checking account and the interest lost on my money ...

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 2023-10-19
Company: Experian Information Solutions Inc.
State: VA
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 am a victim of Identity Theft. There is several accounts, inquiries, and addresses that does not belong to me nor did I authorize. I have notified Experian, XXXX, and XXXX of this matter and have yet to get a proper response. All 3 bureuas are in violation of several FCRA laws such as FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that the following accounts must be remove within 4 days of receipt. I have file a complaint with The FTC and was provide with a Identity Theft Report and I also filed a police report with my local Police Department which both are attached.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/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 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am contacting your company because TransUnion is reporting fraudulent information on my credit report that I want removed from my credit report at once because it does not belong to me and it is fraudulent. Here Is the information that needs to be removed XXXX XXXX XXXX Inquiry from XX/XX/2019 + Finance this information is not mine and was fraudulently added to my credit report and I want it removed at once. I have already contacted police in this matter because its been an ongoing issue because I am a victim of identity thief

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 2023-11-01
Company: Meridian Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke to Meridian financial services 3 times on the phone in XXXX and XXXX ( attached one screen shot from XX/XX/XXXX call ) and explained that they were contacting the wrong XXXX XXXX. I also sent them a letter on XX/XX/XXXX explaining they had the wrong person. They sent me a letter on XX/XX/XXXX, with the attached deed on some timeshare in Florida, which indicates a XXXX XXXX XXXX was on the deed, not XXXX XXXX XXXX. They obviously didn't read the deed since their letter was continuing to harass and try to collect debt from me. They never explained how they verify identity, or asked me to verify my identify ( i.e., last 4 of SSN, driver 's license, etc. ).

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want to inform the TransUnion and XXXX Credit Bureaus XXXX XXXX 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 ) TransUnion and XXXX 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 BANK XXXX XXXX XXXX BANK XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I accepted a promotional offer of {$400.00} to open a new checking account. The terms stated I must have {$3000.00} in direct deposits for three consecutive months within 150 days and that I can't have received another bonus in the previous 12 months. 

I met these conditions along with every other condition. Yet the bank is denying me the bonus. I have escalated this matter multiple times with the bank, the last being with XXXX XXXX via telephone. 

The bank is claiming that my deposits were not direct deposits. This claim can be disproven by their own protocols. The accounts has a {$500.00} per month direct deposit requirement to avoid the monthly fee. In six months, I've never paid that fee. Despite my only deposits for most of those months being these direct deposits. 

The direct deposits came directly from my employer from a business checking account at XXXX. 

One rep mentioned that I'd received a bonus in the prior 12 months. That is also not true. A promotional offer was applied to my account but I never received that bonus. Their terms specifically state you must have received the bonus previously. I never did. 

It is clear to me that Wells Fargo is merely trying to come up with any reason they can to deny me this bonus. I ask they be reprimanded for this 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 2022-07-25
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: UT
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:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2020, the cares act went into affect. All interest on student loans should then have been stopped. I made a payment on XX/XX/2020 and after that payment was applied my interest balance was XXXX. 
I checked my account on XXXX and the interest balance was still XXXX. 
I continued making payments to this account during the cares act and they went straight to principle. 
I checked my account on XXXX and the interest balance was still XXXX. 
On XXXX I checked my account and my interest balance went up to XXXX. 
When I called the company they said the reason for the increase was because I was applying payment to only 1 of 2 accounts. 
This completely doesn't make sense to me. If there is no interest accruing than it shouldn't matter to which loan I am making the principle payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I discovered that my Citibank debit card was compromised online and used fraudulently. In the following days, I discovered a few transactions that I did not authorize and promptly reported them to the bank. All of the transactions have been properly reversed and credited back to my account including the transaction from XXXX in the amount of {$1400.00}. 

During the last week of XX/XX/XXXX, I received a letter from the bank stating that this transaction will be debited from my account on XX/XX/XXXX because the bank received documentation from XXXX stating that something was delivered to my address from XXXX on XX/XX/XXXX. 

I have no idea what was delivered as I did not place any orders from this company. I have not authorized this transaction. 
I have reported my debit card as compromised on XX/XX/XXXX and the delivery date that was given was in the first week of XXXX - number of days after my card was reported as compromised. I don't have a XXXX account and I did not use their service at all. 

Since XX/XX/XXXX I have sent a letter and fax to Citibank to request that this debit be corrected. I have placed numerous phone calls to the dispute department and as of today, nothing has been done to correct the problem. 
Please, credit my account for this unauthorized transaction ASAP. I should not be out of my money for weeks on end for a transaction that I did not make. Thank you.

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 2018-03-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I filed a complaint against Account from XXXX XXXX XXXX for placing what I believed was a fraudulent account on my credit reports for XXXX XXXX XXXX XXXX XXXX. I noted that my health insurance covers 100 % of my medical expenses. I tagged the account as account is fraud. 

XXXX XXXX XXXX REPLIED IDENTIFYING THE ACCOUNT HOLDER as XXXX AND CLAIMED IN THEIR RESPONSE THAT MY INSURANCE COMPANY DID NOT PAY THIS BILL. 

XXXX XXXX XXXX provided inaccurate and false information in their reply to my CFPB complaint. 

My insurance company DID IN FACT pay the {$36.00} on XX/XX/XXXX. SEE ATTACHED EOB.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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, Experian and XXXX XXXX stole my identity according to USC 15 1681 they release XXXX inquiries without consumer permission to a obvious third party it has reflected on consumer credit score and personal and private identity information. Three agencies above mentioned has an elaborate mechanism and vital to consumers personal identity identification. Consumer protection of identity has been compromised and sold to third party by all three agencies. Consumer was not included in the profit made by agencies. Agencies above mentioned has no regards of the laws that govern the consumer.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We suspected fraudulent lending practices with Wells Fargo Bank during the years we paid extra money to be applied toward the principal of the mortgage loan. 

I debated the fact that when I applied extra money toward the loan and asked that it be posted toward the principal, I was repeatedly told that they didn't honor such a practice. 

So, they would hold the payment and apply it toward the next month 's payment and apply it then. 

I felt this was a dishonest way to practice banking, since the extra payments should have decreased the principal and therefore decrease the amount of interest charged. It motivated me to pay them off quickly and never do business with them again. The loan was paid off in 2020 for my home at XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. 

I would appreciate it if someone can look into this, and if any money is due to me, I could surely use it, since I will be retiring in a few years. Thank you kindly

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