BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
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: Personal information incorrect

Complaint:
I noticed the address being incorrect, I called the credit bureau to dispute. They said they could not remove it because they were attached to other accounts incorrectly. I called the accounts to have updated. Still no change.

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 2023-01-05
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our foreclosure was with Wells Fargo. We were doing a loan modification because I had lost my job XX/XX/XXXX. They sent me a packet of paperwork which I filled out and returned. On XX/XX/XXXX they sold our house at auction without telling us, stating they had not received one paper from the packet. I dont know why they wouldnt have told us they were missing a paper, which I find impossible to believe because I filled everything out and returned it. They acknowledged error and their lawyer and they were willing to reinstate our loan but the crooked realtor who bought it at auction was not willing. So we lost our home two weeks before XXXX because they are unethical. Our loan number was XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX at XXXX I received three back to back emails from " Bank of America XXXX. The first email was asking me to verify my email address with a link to " confirm email ''. The second email said I was now enrolled in Online and Mobile Banking with a link to " view service agreement '' and the third email stated that my application for a Bank of America Advantage SafeBalance Banking Account was declined due to information obtained from XXXX XXXX XXXX XXXX and " the key factors that adversely affected your deposit account score were the status of the relationship with the inquiring bank, the number of times account ( s ) have been in a high risk status, and the number of different banks inquiring during the last year ''. I have never been a customer of Bank of America and have never had any type of account or credit card with them. I did not click on any of the links in any of the emails and I went in person to a BoA branch who looked up my SSN through their system and was able to find my name, address, and email but I had no history of any type of past or active accounts. There was a phone number listed but the phone number was not mine and I searched the number online and it was getting results of an area code in Florida which I have no friends or family in that state. The employee at BoA also said that the email address which I received the emails from do not look like a familiar email that BoA would use. I am still concerned that someone attempted to open an account with my personal information.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " idem sonans '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT  1.FAILURE TO HONOR GOD GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} SHARING CREDIT HISTORY WITHOUT WRITTEN CONSENT : UNLAWFUL SEARCH WITHOUT A 4TH AMENDMENT WARRANT. VIOLATION OF THE 5TH AMENDMENT RIGHT TO PRIVACY ; ESPECIALLY OF PAPERS!!!!!!!!!!

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 2023-11-10
Company: AMERICAN EXPRESS COMPANY
State: VA
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 have XXXX inquires on my XXXX credit report that I do not know anything about I have report this to the XXXX credit company and there is know action taken place my wallet was lost by XXXX XXXX XXXX police department and my information was taken by somebody and it has been use still today their useing my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXXXXXX XXXX XXXX I have a 'parked ' collection that was bought by XXXX XXXX. They are reporting this as a new account it is not a new account. This collection has been parked on my credit reports for 4 years now. This is not a new debt and under FRCA guidelines is not a new account. XXXX XXXX  was explained the debt was disputed and removed from my credit reports for other FCRA violation and they insist they can report this when ever they want.

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 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Bank of America stating that they received a credit card application in my name ( which I did not submit ). I think that I am now a victim of identity theft.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion has continued to violated my consumer rights under the Fair Credit Reporting Act by violating my privacy by furnishing non public information which as been damaging to my reputation. 

The law states the following under the Fair Credit Reporting Act. 

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. 
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( 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 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 TransUnion has not been following reasonable procedures that have been put in place

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 2023-10-22
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Sub-product: Store credit 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:
I saw charges on my Wayfair credit card/account that were not made by me. I emailed XXXX XX/XX/23, no response. 

I heard back on XX/XX/23 that there was no balance on the account and account was in good standing with NO errors she said she even opened up a ticket with the finance dept. On XX/XX/23 they try to email me and say they over refunded me and I owe them money. 

The document attached will show I emailed over 6 times between XXXX asking if account was fine & they continued to look into it, state it was fine. Their error is THEIR error. I will not be paying the over-refunded money. They can pay it & close my credit card because the account IS PAID OFF. Also, resolutions management XXXX lies & states there is no communication found in regards to this matter. LENGTHY communication attached since XX/XX/23 showing no responses back from resolutions manager, stating my account is fine and no errors, etc. 

Their XXXX  response to my complaint all 3 times is a copy and pasted response stating that I need to communicate with XXXX about the issue ( WHICH I DID FOR WEEKS ). XXXX are the ones that told me my account was fine multiple times. I specifically spoke with XXXXXXXX XXXX  XXXX from that department. 

Their copy & pasted response on XXXX also state that this is about a product that has defects. They are not even opening & reading the complaint. I have tried since XXXX to get this resolved, MY portion is paid off, I want my account closed and I am not responsible for a charge that they put on my account for no services in return & was a mistake on their end.

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 2023-05-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid 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:
I made a purchase on XXXX on XXXX XXXX using my Black Card mastercard for {$2200.00} Items were counterfeit and I filed a dispute on my black card so I wont be responsible to pay the amount on my statement. I sent third-party confirmation that items were fake. Credit card company took months to get back to XXXX and closed the case. They advised to return the product back to the seller and send them a confirmation of the return in XXXX and assured me that the case will be reponed and case will be ruled in my favor since i am following the instructions. The merchandise was shipped back on XX/XX/XXXX to the seller and seller received the merchandise back on XX/XX/XXXX ( international ). I sent all the paperwork to the credit card and keep calling to see if it was received. After numerous follow ups I was assured on XX/XX/24 by XXXX ( the credit card rep ) that the case has been reopened and received my paperwork and case is under review. Please note, that the calls are recorded. I kept requesting the call back from a supervisor 4 times ( which was promised within 24-48 hours ) and only received it on XXXX. The supervisor advised that they nothing can be done at this point and case cant be reopen due to a time frame past and i got misinformed by the credit card representatives.

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 2022-11-15
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}.

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 2023-05-09
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:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged my account with numerous overdraft fees and constantly flagged my account for fraudulent transactions

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Upstart Holdings, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Upstart is a huge scam for low income people, I got the loan to pay off my bills and whenever I missed a payment because I lost my job they wouldnt pause it and kept charging me interest and sent it to collections and didnt understand my situation its so predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2022 somebody using my personal information obtain a Car Loan Financed By American Honda Finance. I found Out About This Situation When My Credit Score Went Down Significantly. I Filed An Identity Theft Report ( FTC ) and I Sent A Copy Of The ID Theft Report To XXXX, XXXX XXXX, XXXX. On XX/XX/2022 The Honda Finance Account Was Removed From All 3 Credit Bureaus. And Now Is Back On My Credit Files From All 3 Major Credit Bureaus. I made Contact With American Honda Finance Ti Let Them Now. And I Explain To Them Im a Victim Of Identity Theft. I Asked Them About What Information They Have. The Address They Have On File Email Address Everything is Wrong Today I Received From Honda Finance a Copy Of The Loan Contract. Nothing Matches With My Real Information Such Address And Signature On The Contract. The Vehicle Is Im This Case Was Purchased In Illinois And Repossessed in Florida as The Honda Finance Told Me. her XXXX XXXX XXXX From The XXXX XXXX. And Also I Had a Conversation Twice Today XX/XX/2022 they Say The Will Open An Investigation. But They Dont Know When They Wil Start Or When Im going to Receive Results. Honda Finance Already Have My FTC REPORT AND POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
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:
UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, XXXX, AND TRANSUNION HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  YOU, XXXX, XXXX, AND TRANSUNION, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS.

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