BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
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 sent a dispute letter each addressed to the Credit Reporting Agencies on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed fraudulent items from my Credit File in accordance with the FCRA section 605b. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft theft. I am submitting this CFPB complaints to exercise my rights in accordance with the Fair Credit Reporting Act section 605b, and requesting that the Credit Bureaus remove the disputed accounts and information as soon as possible. Please investigate and remove the following items from my Credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX If the Credit Bureaus would claim that the disputed accounts belong to me, I request that the Credit Bureaus send me copies of proof of verification or any documents that has my signature on it to prove that the disputed account belong to me. And if the Credit Bureaus are unable to find such document, please have the disputed items deleted as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
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: Personal information incorrect

Complaint:
In 2022 of XXXX I decided to review my credit report and noticed inaccurate information. I asked for the information to be removed and till this day nothing has been 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 2023-01-13
Company: Experian Information Solutions 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 is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/2022 ;

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 2023-01-27
Company: NEW YORK COMMUNITY BANCORP INC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX subserviced by Flagstar Bank holds the mortgage on my home. Over the past year they have charged me over {$400.00} in late fee 's that are not legitimate. Their escrow department can not correctly calculate the money owed for taxes, so they re-calculate my monthly payment without notice, and then when the payment increase my auto pay is set for a lower amount, they hold this payment until I get a late fee. Each time I call in and they give me a dollar amount to bring the amount owed to zero and claim to remove the late fee but they do not. I have spent hours of my time on the phone with flagstar over the past year and {$400.00} because they are incompetent. They also miss the early pay savings when paying taxes and cost me {$600.00} last year. 

I have set my mortgage on auto pay since I closed on my house and have no trouble affording my payments yet XXXX / Flagstar has made the home buying experience and absolute nightmare. I have simply been paying them for what they are asking for and then they " Hold Money in Suspense '' to rack up Late Fee 's. It's no different than theft. I simply want to pay my mortgage.

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 2023-01-28
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It appears that various attempts were made to ruin my credit for purchasing a vehicle in XXXX and in XXXX. There were about 15 hard inquiries which were not me and I'm trying to have them removed from my credit report as they were fraudulent.

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 2023-01-28
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXXXX/XX/2022, I tried to deposit {$220.00} cash into my Regions Bank checking account using their ATM. The ATM took my cash deposit and returned a {$20.00} bill and gave me an error message. It returned my bank card to me as well. The ATM then returned to the welcome screen and did not add my deposit to my account. 
I immediately drove up to the bank teller window, spoke with XXXX, telling her what just happened. She told me that she noted the time and would fill out a report immediately. 
XXXX went by and I never received any information on my missing deposit. I went into the bank and was eventually helped out in receiving a provisional credit. After receiving the credit and having it for a XXXX XXXX, Regions then sent me a letter telling that they had reviewed the situation, and they took back the provisional credit. 
I have since gone into the bank XXXX asking for any information or help on getting my deposit back. XXXX will write down my phone number on a post it note with other random notes, tells me she will call within a XXXX XXXX, but never does. I was also advised, by XXXX, not to use the ATM, as it is unreliable and this same situation has happened to other customers. 
Any help or suggestions would be much appreciated

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed this collection on my credit report that I did not authorize, it was fraudulently and inaccurate reported..Account name XXXX XXXX account XXXX XXXX. I also asked for a thorough investigation for this matter and to send me original documents with my signature signed by me stating I own this collection from the original creditor.. NOTHING WAS DONE OR CHANGED ON MY CREDIT REPORT BUT NOTED IT WAS ACCURATE WHICH CAN NOT BE. I DON'T PERMIT THIS ACCOUNT ON MY CREDIT REPORT AND I WANT THIS ACCOUNT XXXX XXXX Account Number # XXXX DELETED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: SandP Solutions, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX i fell victim to multi-layered scam operation run by fake officer of the FTC ( the scammer ), which involved me making deposits for a total amount of XXXX USD from my Bitcoin of America account to fraudulent investment firm. I had sent my complaint letter to Bitcoin of America, in which i clearly stated how this scam has affected me personally, psychological and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Months before I left in XXXX XXXX, after receiving a targeted mailed promo from Citizens Bank, I opened a savings & checking account online with this bank. 

Citizens Bank accepted my bank transfers of {$5000.00} for the savings & {$50.00} for the checking and for reasons they will not disclose, reneged on the promo and closed my account. The {$50.00} for the checking was retuned -- -the {$5000.00} was not. 

As of today, A YEAR LATER that {$5000.00} has NOT been returned to me. This is my third complaint regarding this. 

Simply put, this is THEFT. There isn't any way to sugar coat it. 

Citizens response is the money couldn't be returned to the originating account -- -a LIE, the {$50.00} went back no issue. Citizens states they don't have, a third party does however the number provided only leads me down a rabbit hole of " we don't know how to help you -- -we don't lead directly with consumers, only companies ''. 

Citizens Bank took the {$5000.00} from me -- it is Citizens Bank 's responsibility to return it to me. 

Now, I am for the third time that my " grateful nation '' to do the right thing and return my money to me. My next step will me to get the assistance of the military base legal office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX & XXXX sued me in court for an unknown, unverified debt. I never received notification of the debt from XXXX or them. They have not correctly validated the debt saying it is part of a bulk debt from XXXX ; I think they meant XXXX. They never broke down the debt interest principal and charges. They never sent proper notices telling me about this debt and telling me I could dispute it which I strongly dispute. After they filed the lawsuit, I tried to call them and they never picked up the line, so I couldn't even dispute it verbally. 

Yet they took me to court. They never showed a proper XXXX XXXX XXXX or any chain of ownership even after I asked for proper and full validation. I was surprised that this case even made it to court because the paperwork was so XXXX and was the same generic paperwork they serve to everyone. My name was not on any specific paperwork except for a spreadsheet that it appears they created themselves. I attended the court hearing, was called by the wrong name by the judge and was served an order to pay the full amount with interest each year. To top this all off, I was served with a default judgment as if it didn't matter that I was even there and feel my civil rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I could not select the proper option from the list, so I apologize for that. There was not a category that addressed this issue. 

I have struggled over the years to get inaccurate information removed, but that is a conversation for another day. My main issue right now is that a few weeks ago I paid off my home mortgage with a lump sum payment. 
As a result of this lump sum payment, my credit score decreased significantly. I believe the scoring systems to be completely fraudulent for punishing a person for paying off a loan early. This is counterintuitive. Paying off an item early should should responsibility, discipline, and high creditworthiness. Punishing for paying off early due to the " longest credit line '' scoring factor is abuse of power. 

In addition, if someone pays off credit cards every month and does not maintain a balance, this should not have a negative impact on their credit score. Currently, It does. People are given higher scores if they keep a small balance on their credit card and just make minimum payments. This is another counterintuitive scoring technique. Isn't the person who pays off their balances every month more credit worthy than those who do not? Leaving a balance and just paying the minimum payment costs the public a tremendous amount of money every year as they are trying to get better credit scores. 

I believe these two items, along with many others is unjust and preys on individuals by lowering scores and making it difficult to obtain credit at good rates when they should be considered highly credit worthy.

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 2024-01-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around XXXX XXXX XXXX, I booked an appointment with a photographer with XXXX XXXX in XXXX XXXX for {$210.00}. At the time I did not live near the photographer, and I had to reschedule the shoot. She said it was fine, and would hold onto the money, and in the future would provide me with a shooting whenever I could be in town. She then continued to string me along for 6 months, and without warning nearly doubled the price of her bookings, and when it came time for our booking ( that wed agreed upon in advance ), she didnt want to provide me with a refund, or a half-booking since I couldnt pay the full price. I am a college student, and was initially drawn to her because of her low pricings for couples photos. I tried to get the money back through the bank, however they ended up rejecting my claim and retracted my provisional credit. Ive had a XXXX XXXX for quite some time that has left me out of work and now my account is negative, and the bank ( Wells Fargo ) says there is nothing they can do. I am hoping to get the money back directly from the photographer, and I have text receipts to corroborate my story.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: IL
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A {$21000.00} check from an agency we did business with is on hold and Bank of America is taking forever to get it verified and remove the fraud lock on my savings account. Initial problem with the mobile deposit is that the check was made out to my XXXX, XXXX XXXX, which wasnt on my checking account. I called BofA about the reversal of the check, which they stated I needed to go into a branch to add a XXXX. I went to a branch to add the XXXX with a small business advisor, who told me that my XXXX was already on file with my savings account and not my checking. So all I needed to do to avoid the issue was to deposit to my savings. She wrote out a deposit slip and had me go to a business teller to deposit the check. The check was available last Friday on XX/XX/XXXX morning time. I went to transfer the money to checking and start paying vendors, I found out my account was locked for fraud. I didnt receive any notice it was done the previous Thursday until later Friday evening. I called numerous times to escalate and find out why it was blocked. It took a manager to escalate and receive a callback from the analyst. They stated they needed to verify the check amount with the original agency who wrote it. I gave them phone numbers to contacts at the agency as I was unable to provide the direct number to their CEO which is XXXX. Analyst waited until late in the day to callback and try to verify, it went a whole weekend without any activity or access to funds. Fast forward to today, the account is still locked and no callback or release of funds. Im super late on payments to staff and vendors, the bank steadily gives canned messages about me waiting for the investigation. BofA is unnecessarily holding onto a check that has already cleared and shown as available in the savings account. My account is still locked from transactions and now its at an unacceptable point. I cant get any assistance to get this lock cleared which shouldnt exist in the first place. I received a credit card payment of XXXX about a week prior via Stripe from the same client. The other XXXX check was the other half of the retainer due upon receipt. I need the government help to step in and take action as Bank of America is up to shady practices that shouldnt be taken lightly. They have crippled my business and hold no remorse in the time sensitivity.

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 2023-01-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
From XX/XX/2022 until now I've gotten emails from Experian saying they were'nt going to investigate or that my information was updated as verified. How can it be updated as verified if there was never an investigation?

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 2023-05-20
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX **** XXXX XXXX XXXX XXXX  Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable that the Information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CREDIT ACCEPTANCE CORPORATION
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:
The account was closed in XX/XX/2022 it continue to report late also losing points they are reporting monthly I have made multiple disputes 5 to be exact on both credit bureaus and directly with the 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