BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit of {$2600.00} in an ATM Machine inside one bank America bank building. The amount of money was never posted in my account. I created a claim and the bank gave me a credit of {$2600.00} after 10 days. A month after now my account is in negative for {$2600.00} dollar. They closed the claim ticket and never reach out to me. I work for a rental company, one of the tenant send me that money to pay his rent and I send that money to me boss which is the landlord. I dont have that money and it was never mine 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 monetary relief
Consumer complaint received 2017-07-13
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar mortgage servicing company has placed a real estate tax escrow on this account and refuses to remove it even though the owner has paid the taxes herself. They are treating the account as being in arrears and holding the P & I payments in suspense account and treating those as in arrears also. There are no Taxes due and the city has stated that all payments ( 2of them ) by the mortgagee will be returned to the mortgagee. In spite of numerous tel. calls, during one of which the agent of Nationstar gave me deliberately false info. and after four letters detailing this, they still refuse to rectify this and record the payments properly and remove the escrow. This is now damaging the owner 's credit by showing up as late payments and arrearages.The letters are dated : XXXX XXXX ; XXXX XXXX ; XXXX ; and XXXX XXXX all of 2017. The phone calls were in between with the false info. coming in the phone call on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX today I received a notification on my email saying that I had a credit coletor on my credit report when I verified the information shows Southwest Credit System I dont have any account with southwest credit system I wasnt never advised of anything I didnt received anything from them so I dont know who they are why they are reporting something that Im not aware of it and they only think I could see was the amount of XXXX. Im a Texas resident abs I never had anything for XXXX I need to know who is using my information and why I never was contacted and never received anything this is very suspicious

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NY
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. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX  XXXX, XXXX XXXX  XXXX and 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 2023-08-04
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. State Zip : XXXX XXXX MD, XXXX Email Address : XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: Self Financial Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
SELF Financial issued me a secured credit card after I successfully completed phase I which was making payments on time for 12 months and then SELF used the money I submitted as payments for the security of the credit card. After two months of using the card on occasion and then paying it off each month, SELF doesn't apply that payment towards the credit card balance until weeks, and at times, months later and it's not calculating correctly. Someone needs to please help me by looking into their fraudulent ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Inquiry : XX/XX/XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX ) XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX  M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( ACCOUNTS 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At around XXXX pm on XX/XX/2023 I attempted to deposit roughly {$130.00} in cash at a XXXX XXXX XXXX XXXX XXXX XXXX  ) ATM located inside the branch at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX 

I attempted to deposit at least XXXX {$50.00} bill, XXXX {$20.00} bills, XXXX {$5.00} bill and XXXX {$1.00} bills, but I do not know the exact amount deposited. 

I inserted my XXXX XXXX XXXX XXXX XXXX debit card, selected that I would like a receipt, selected my savings account, and inserted my cash into the machine. 

The machine began processing my transaction but stopped and displayed a message that my transaction had been cancelled. At this point the ATM returned my debit card and return some, but not all, of my cash. The bills returned were XXXX {$20.00}, XXXX {$5.00}, and XXXX {$1.00} bills. Although I did not count the cash in full before attempting my deposit, I am certain that I am missing XXXX {$20.00} bills that I had withdrawn minutes earlier from a Visa cash card using the Bank XXXX XXXX ATM across XXXX XXXX. I also had a {$50.00} from my grandparents for my birthday on XX/XX/XXXX. The machine did not print a receipt. 

I entered the branch and spoke with a representative. They told me that since I had used a non-BECU debit card they would be unable to review my transaction history and I would have to call XXXX, which I did. XXXX notified me that they would complete an investigation and that I would hear from them with the results of that investigation. 

On XX/XX/2023, XXXX notified me that their investigation had found no evidence that I used the ATM in question. I again called XXXX, but they referred me again to my bank. I requested that they pull any security footage from the ATM to prove that I attempted a transaction there, but I have not heard back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions 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 have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2023-08-29
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is now my second time contacting CFPB due to this issue. I recently made a check deposit of {$5000.00} on Thursday to my Community Bank N.A. savings account. I understand checks that large take time to clear and the funds may be held. Though there is absolutely no reason for my entire savings account to be restricted when I already had cleared funds in it. I have very little money in my checkings account, and went to transfer some of the money I already had from my savings to my checkings. It will not allow me to do so as it has my ENTIRE savings account restricted, and its now saying on the app that I dont even have a savings account right now. I have things to pay off, it is absolutely unacceptable to have funds I already had locked up. 


I contacted my bank about this issue I previously reported, and have been told twice now that they would get back to me about this and never have. My grandfather who the check was from, contacted my bank and was told theyd get back to him today, and they never did. Not only is trying to contact someone and have them get back to you not working, I am still unable to access the funds I ALREADY HAD IN MY SAVINGS. They said this was due to the check being marked as Fraudulent even though it was not and can be confirmed as a valid check. The funds said they were taken out of my grandfathers account, yet my entire savings is still locked up. I have the majority of my money in my savings account and Im unable to use any of it. Its absolutely unacceptable that this is happening. I have things I need to do that require funds like the average person, and when nobody can get back to me its absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have not had any attempts from the company to contact me on my debt just got served. They never sent billing statements or called. They say they sent statements but I never received any. Also I never took this line of credit out with them. It was with Pay Pal synchrony never sent a notice that they bought my account or anything if that is what happened. I am a XXXX was XXXX. So with out trying to contact me or send me a debt validation letter as I was never given a opportunity to request one. What they do is get a attorney to sue for a debt you have no clue about with them. Also when the court sets up a mediation synchrony files a motion for summary judgment. They have yet to respond about never contacting me. They go with a big XXXX that I owe them money with no proof. They can not even go to a mediation so they must not have any to show at mediation. You guys should go in a review them. You will probably find violations and be able to fine them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  debt collection company has not removed a collection that in agreement to be paid would be deleted. The account number is 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 2023-02-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Ive tried reaching out to Wells Fargo about the fees and interest related to the loan and all I got was oh thats the interest when I looked at the payment I noticed that any of the payment that was made nothing was going to the loan itself so much of the interest was going to the back end of the loan. Ill never be able to pay it off and that wasnt something that was Initially stated at the beginning of the loan theres so many fees and so many things that are showing at the back and that wasnt present at the beginning when I purchased a vehicle with Wells Fargo its very hard to get any kind of payment plans if something goes wrong theyre not willing to help at all

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 2023-07-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 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 2023-08-28
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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