BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I filed CFPB Complaint # XXXX on XX/XX/2021. Equifax still has refused to remove the FRAUD ALERT that they put on my credit profile. They falsely claim on my credit report that I requested the fraud alert. They did it by themselves without my permission. 

I am being damaged daily by the fraud alert still existing and I can not use my credit as I please because of it. 

Remove the fraud alert immediately. 

I also requested that previous address that are not mine be removed. Equifax refused. Remove the address immediately so that other people can not use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was in XXXX  and was released to a XXXX XXXX and someone got a car in my name. 
and my credit report is perfect but I will not pay for a debt that is not mines.. 
Now I am trying to help myself. 

According to my XXXX  monitoring system this account open XXXX XXXX XXXX XXXX XX/XX/2020 XXXX original balances

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 2023-11-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My phone was stolen on XX/XX/XXXX and subsequently hacked. I noticed that my accounts with XXXX, XXXX XXXX, and Wells Fargo were all being wiped out, based on my email notifications. I promptly suspended my phone, logged out of all my online banking applications, and changed all of my passwords, including my emails, my XXXX account, and all my bank accounts. 

I filed a claim with XXXX XXXX for an unauthorized withdrawal of {$550.00} through XXXX and another claim with XXXX for an unauthorized transaction through XXXX XXXX, totaling {$170.00}. Fortunately, both of these claims were successfully resolved, and my money was returned. 

Given that my phone was hacked, and my secured accounts were breached, leading to the leakage and depletion of my bank accounts, I filed a police report. However, Wells Fargo has continued to deny my claims even after providing them with the police report and informing them of similar incidents with my other bank accounts. I have ample evidence, including screenshots, a phone bill reflecting the need for a replacement phone, and the fact that {$1200.00} was transferred from my credit card to my checking account, followed by transfers of {$500.00}, {$500.00}, and {$280.00} out of my checking account using XXXX. 

Ive submitted three claims to Wells Fargo, but unfortunately, only a {$60.00} cash advance fee from my credit card to my checking account has been credited. This entire experience has made me seriously consider closing my Wells Fargo account and seeking alternative banking options. Despite multiple calls and efforts to provide evidence, nothing has been resolved to date.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was a victim of identity theft and this company is still reporting this fraudulent account ( s ) on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2019-08-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I was applying for a loan for a car from XXXX XXXX XXXX XXXX. All papers were filled out and the final step was to get a credit report. All three of the credit reporting agency 's have been locked. I went back to the office and entered the information to Experian. After they confirmed my identity they issued me a pin. 
I read the pin number over the phone to the banks credit department. They read it back so I know it was transferred correctly. About an hour later they called and said it did not work. I went back into the Experian site and this time I requested the PIN number be emailed to me. After one hour of waiting I gave up and went back into the site and asked again. This time I received a notice that stated.. " We are unable to honor your request for a single use Personal Idenification Number based on the information you entered. 
To request a single use Personal Identification Number Please mail us this letter '' Also include one copy of a government issued identification card such as a drivers license, state ID card etc. Also one copy of a utility bill, bank of insurance statement and a copy of your Social Security card. The letter goes on with other requirements. I am current locked out of a credit reporting agency until I complete there requests. Since I was breach at XXXX  with this same information, why would I send it in the mail without knowing it wold go to a secure location with secure personal and be destroyed securely. 
It is clear that they take NO responsibility for security. If you call Experian it is just answering machines unless you want to buy their Security package which the US governments mandates is free.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
HSBC did not communicate to us about closing our account. We used the account to pay for mortgage and utilities and our transactions got rejected. Here 's the timeline : XXXX XXXX XXXX - Opened joint ( me and my wife ) checking and savings account >> XXXX XXXX and XX/XX/XXXX - HSBC fraud operations requested authorization for social security information for my wife >> XX/XX/XXXX - ACH payment to utilities rejected ( utilities provided error message saying account frozen ) >> XX/XX/XXXX or XXXX - Called customer support and they said no issue or block on the account >> XX/XX/XXXX - My wife emailed authorization to HSBC XXXX email with the provided reference number >> XX/XX/XXXX - ACH payment for mortgage rejected ( Bank charged me {$15.00} NSF fee ) >> XX/XX/XXXX or XXXX - Called customer support and they initially said no issue but on explaining the rejection, they found that the account is in the process of closing and asked me to call Fraud operations ( available only from XXXX XXXX XXXX XXXX XX/XX/XXXX - Called fraud operations since my account was suspended. Only now I came to know it was because they did not receive the SSA authorization despite us emailing it on XX/XX/XXXX. 
XXXX XX/XX/XXXX - the Fraud operations team could not provide when my funds will be returned. 

No where in this entire period did we receive any communication that our accounts will be closed or our account is frozen. I do no know when my funds will be returned. 

The customer support told that HSBC tried to call me. I don't pickup calls from number I don't know. They did not leave any voicemail, send me an email or a letter by postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I hope this message finds you well. I am writing to express my concern and submit a complaint to TRANSUNION regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSUNION will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 had my identity stolen and someone opened six fraudulent capital one accounts with my information. I have already submitted a police report and CFPB complaint about Capital One and five out of the six accounts have been removed from my credit score. One credit card account is still being linked to my information as capital one is still saying it belongs to me, and they are reporting a past due charged off account to my credit to XXXX alone. I have tried for months to remedy and Capital One has been extremely unhelpful and their fraud examiners do not call me back or update me on the dispute as they just close it. They have been awful to work with and nobody wants to/can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX i found out i had been a victim of identity theft. Now i have a few fraudulent items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
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: Account information incorrect

Complaint:
On XX/XX/2023 I submitted a formal complaint to all XXXX credit bureaus ( XXXX, XXXX XXXX XXXX XXXX, and TransUnion Consumer Solutions in regards to reporting inaccurate and incomplete credit information in reference to the Fair Credir Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

On XX/XX/XXXX I submitted a second dispute letter in reference to the same issue via no update. 

It has now been passed 30 days and no investigation results have been emailed or mailed to 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 non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  have violated my rights.

15 USC 1681 section ( A ) 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 accounts without written instructions.

15 USC 1681 ( C ) ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-12-27
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account with Citi Bank online on XXXX and deposited {$130.00} into it. The next morning of the XXXX they have blocked it. I call them to see what the problem is and they direct me to the fraud department. They tell me they closing the account and funds will be sent to my address. They told my account would be closed 5 business days from the XXXX. They haven't done anything. I call them today and they tell me they can't verify my account because of my phone number is not on file. This the same number I opened the account with. They say I have to wait for a letter in the mail and refuse to help me or tell me anything about when In receiving my funds.

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 2023-12-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX  at XXXX Was offered a Data Entry Job by XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, WA XXXX. 

Interviewed with supposedly CEO/Presiden XXXX XXXX XXXX The interver proceeded to convey " You will need some DATA ENTRY software and also an Automated tracker to commence your training and orientation and also you need the software to get started with work, the work of the time tracker is to calculate your hours worked since this is an online work from home. '' The interviewer proceeded to say " The funds for the working materials, software and time tracker will be provided for you by the company via check, make sure you use them as instructed for the software and I'll refer you to the vendor you are to purchase them from. The check may be issued out by any of our 28 affiliated companies who owe. 

XXXX, some amount of money so this automatically serves as our refund as it is used solely for the benefit of our employees. 

XX/XX/XXXX  at XXXX thee accountant emailed a paper check for deposit and purchase supplies. After receiving the funds, the employer ask I wire transfer or use XXXX to XXXX funds to different vendors. Two transfers were made to supposed vendors on XX/XX/XXXX  and 2-3 transfers on XX/XX/. 

I became suspicious after the vendor demanded I transfer monies to different vendors. Thereafter, I realized the scam. Called the bank USAA and made the banks aware of the scams. Both USAA and XXXX XXXX XXXX  are investigating the Organization, the wire and XXXX transfers. XXXX XXXX XXXX  was very helpful. 

Unfortunately, USAA has not resolved the problem. XXXX XXXX, a USAA associate demanded I owe USAA money and XXXX XXXX threatened closing account ; by sending over debt collections. In my view, USAA has violated due process and consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
world savings bank / Wachovia bank / wells fargo bank mortgages XXXX texas usa fradulent forclosure /cahoots magistrate judge XXXX florida usa cfpb 39 case complaints against wells fargo bank mortgages for stealing my penshion home in florida usa CFPB with all the changes you have made from the start XX/XX/XXXX no missed paymant acount in credit over 50 % equity in home mortgage XXXX home value XXXX corupt final judgemant XX/XX/XXXX sold 3times within 1 week seen days and increased another XXXX XXXX court steps? the bank and athird party i had this home built in XX/XX/XXXX until XX/XX/XXXX pad my taxes paid my insurances and added to the american system but you picked me out because i was a foriegn national /english subject and when the banks were in dire straights you pick on us XXXX because we were not entitled to the usa govermant protection housing /etc this was a blatent way to recollect on mortgages with over 40 % equity in the property most americans were under water with the propertys no forclosures ther? please read my file of cases all the proof is there this was adeliberate act to deceive all payments cashed by wells fargo mortgages acount in credit un cashed insurance check why have you not prosecuted this fraudulent bank and put the person responsable for the fraud in jail thanks 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 2021-07-16
Company: EQUIFAX, 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:
see FCRA violations : Not mine : XXXX XXXX {$170.00} Closed 29 potentially negative months XXXX XXXX Original creditor : XXXX XXXX XXXX - Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 100 % Balance on XX/XX/XXXX Original balance - {$710.00} Payment Info Original balance {$710.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX  FL XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} payment never late : please send all proof of this violations : XXXX XXXX AUTO XXXX {$10000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan I'm very sure this is a violation showing a paid account as no history of it : see attachments for proof : XXXX XXXX Unknown payment history {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$2500.00} XXXX  XXXXXXXX XXXX XXXX  {$12000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment no creditor like XXXX XXXX XXXXXXXX XXXX XXXX  : or XXXX  Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$94.00} - Payment Info Original balance - Balance {$94.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements -

Company response to consumer: Closed with explanation