BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX and XXXX XXXX  XXXX Please delete these accounts ASAP.

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 2021-10-19
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
More detailed information may be round in a prior complaint submitted to CFPB on XX/XX/XXXX, Complaint Number : XXXX. 

Multiple complaints were filed for multiple identity fraud credit accounts on my credit files. Most were resolved after I provided additional information, and they were received from two of my credit files. XXXX and XXXX removed several fraudulent accounts. Thank you for your help in making that happen. 

The one I am making this complaint about was not removed. Additionally, XXXX has not removed any of the fraudulent information. 

The collection that remains is from : NCA National Credit Adjusters , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX They sent me some credit card statements that are addressed to an address in Florida where I briefly lived in XXXX. There is only one statement with activity dated XXXX XXXX. It is scheduled to be removed from my report on XX/XX/XXXX which suggests the first default was XXXX XXXX. These dates are in line with all of the other identity fraud accounts removed. They ranged from XXXX. This is the same time as the XXXX Data Breach in XX/XX/XXXX. My investigation has confirmed that the IP Address of the person opening this account was located in Kansas in XXXX, and northeast Florida in XXXX. Two places I have never been. 

I requested from NCA multiple times a signed cardmember agreement for this account, I received no response. I am compiling all the evidence, including police reports I made on multiple accounts in XXXX, totaling seven fraudulent accounts that were removed from my credit files. Some of these were re-sold and were again placed on my credit files and removed again in XXXX. Welcome to round three. 

I find it interesting that both XXXX and XXXX have found the other accounts fraudulent and removed them and XXXX found those same accounts to be validated. Maybe another round of modifications to the e-OSCAR system is in order, or better yet, maybe the CRA 's should be required to actually investigate fraudulent charges before they do incalculable damage to an individual. Just a thought. 

Please help me with getting an actual verification of this debt so that I may have it investigated by law enforcement. Or, please help me get it removed from my credit files. Please also advise me what I should do about XXXX validating what the preponderance of evidence verifies are fraudulently opened accounts as a result of identity theft. I have requested in writing a copy of the XXXX e-OSCAR results and lists of the three-digit codes for all accounts that are fraudulent and I have disputed that they allegedly validated, in accordance with section 611 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After checking my credit report I found an account listed from Macys/Citibank , N, A # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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.

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 2021-04-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After a mortgage loan transfer to Mr. Cooper, Mr. Cooper withdrew multiple mortgage payments for the month of XXXX. 

On XX/XX/2021 at XXXX XXXX PST - A one time payment was made. This was set up to be taken out on XX/XX/2021. Documentation includes the original PDF with time stamp of the one-time payment and email confirmation for the payment. Documentation includes a confirmation number. 

On XX/XX/2021 at XXXX XXXX PST - Autopay was set up on XX/XX/2021 at XXXX XXXX  PST to start the auto-payment process on XX/XX/2021. On XX/XX/XXXX, an email was sent from Mr. Cooper saying they will be withdrawing funds on XX/XX/XXXX. This was NOT authorized. No confirmation number for the funds withdrawn on XX/XX/XXXX. Documentation includes the original PDF with the time stamp of the autopayment setup, including email documentation. 

I contacted my bank to ask for an investigation on the funds. My bank concluded the funds had been withdrawn without authorization. I have a letter from my bank that states this. 

The funds have been reverse. However, Mr. Cooper is charging a {$15.00} fee for the reversal based on their error. In addition, the XX/XX/2021 payment has not posted yet ( today is XX/XX/2021 ). No payment email was sent to the email indicated during the auotpayment setup for the XX/XX/2021 payment - rather an email was sent to my wife 's email. Which was not included during the time of autopayment setup. 

I have called Mr. Cooper multiple times, each day. I have tried to message them via the online message system - no response. I have tried to email them. I have sent them online messages of the persons I speak to on the phone with the information they tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 719transunion has me at a score around 590. 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 PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-04-06
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021, I made a check payment that left my account with XXXX positive balance. The bank charged me a 36.00 overdraft fee that they can not, to this day, explain. XX/XX/XXXX XXXX XXXX XXXX ONLINE PMT {$370.00} {$16.00} When questioned, they replied that since I had another debit, one that didn't trigger a fee, come in at the same time, they could charge me the fee, even through my account had a positive balance after the check cleared. I responded by requesting the account be closed, and they refused to close it. TO date, I have requested the account be closed a number of times, as many as ten, and they STILL refuse to close the account. I went as far as to lock the debit card, and they are still allowing charges even on the locked account, and charging me fees. Now, they are resorting to threats.

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 2019-07-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had two balance transfer transactions on the same card. Both with unique transaction IDs and expiration dates. I was approaching the expiration on the first one and inquired through the customer service number how I would go about making a payment to pay that particular balance off. I was informed that I would have to wait until the day that offer expired to make the payment being as that balance would then be assigned an APR ( where all previous balances were at zero APR ). I called the card company again when that day came and asked if that was indeed correct. They said that I should submit the payment and they would apply my minimum payment according to their terms and everything paid beyond that would be applied to the balance with the highest APR. Seeing as that balance was expiring that day the customer service rep said I was good to go forward with paying that balance off. I made the payment moments later through their online app and didnt think anything more about it. I received my new statement and found that not only was my payment not applied to that balance, but they also extended that particular transfer offer another month. Only about a tenth of the almost {$1000.00} dollar payment was applied to the expiring balance and the rest was applied to the other balance transfer that didnt expire for months. I opened a case that day with the customer service department who was supposed to return my call with any updates or results since they didnt understand why the offer was extended another month and not sure it can be fix now that the payment has been applied. 
A week went by with no phone calls. I called back and was told there was no open case and was transferred to the executive office who proceeded to open a case and send me to a supervisor. That was over a month ago. I have called roughly once a week to check up seeing as no one ever called me back as they claimed they would. I have spoken to countless supervisors and case managers who continue to say weve never seen anything like that and I dont know how that happened or how we can fix it. I even opened a resolution case with the bank that the card is issued by and that case was closed 20 minutes later because a case with the executive office is already open and they will take care of the issue. I just received my newest statement which now has interest included for that remaining ( now expired ) balance transfer that should have been paid off two months ago. I should probably mention that I also work for this same bank and even being both an employee and a customer has gotten me no closer to the issue being resolved.

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 2023-08-11
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Identity stolen and utilized to open a checking account with TD Bank. Received an email at XXXX on XX/XX/ thanking me for opening a XXXX XXXX account in my former legal name. I legally changed my name via court order in XX/XX/XXXX  prior to the identity theft. I called the TD Bank identity theft hotline, provided my SSN and name and other identifying information. 

Support could not provide me with the account number or any other information, but said I would be contacted via an investigator. Support was not able to verify whether or not they were closing the account immediately. Support was not able to offer a timeline for when the investigations team would contact me. After doing some research online, it appears that this situation is very common with TD Bank. 

Other consumers who have had this issue with TD Bank stated that TD Bank never conducted a thorough investigation into the identity theft, and never followed up. I was encouraged to submit this complaint in the hopes that TD Bank would follow through with my investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the process 10 months ago I XXXX of 2020. I have gone through at least three lenders at fifth third and given them the same documents at least three times. So now they want to start all over again because they dropped the ball. Im a CPA and this is my busiest time and its really a hardship on me to resend all the documents again and I may have to pay for another appraisal. I dont think this is fair. Also they have pulled my credit three times and caused it to decrease along with my husbands and have already put their name on my homeowners insurance policy. When I inquired about it they said it was normal, I dont think so. These are a few of the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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:
I sent a letter on XX/XX/2023 to XXXX, Experian, and XXXX the following through credit karma. However the credit bureaus said they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S Code 1681a- Definitions ; rules of construction. 

The term " investigative consumer reports '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom she/ he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke with and how did they conduct the 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 2023-08-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I paid the card balance in full XXXX. Since then creditor added another XXXX dollars I was not aware of and reported account past due to credit report. I contacted them, paid the amount due and asked them to remove this from credit since I have always had auto pay and never had any issues. They refused and said they don't have a credit reporting department

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Navy Federal XXXX XXXX Credit Card on XX/XX/2023. Regardless of the reason for denying the extension of credit, I have the right to my securities. As a result of this action any use of the application/ promissory note of value or SSN Estate and Trust to retrieve funds, credits, tender or FRNs other than to extend credit to the principal named would be considered securities fraud pursuant to the Security Exchange Commission rules and regulations and NFCU Indentured Agreement. This is also a violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act. I would like to expressly withdraw my application immediately pursuant to the Consumer Financial Protection Bureau 1002.9 as Im aware that the application is a secured collateral of value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: AL
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:
I filed for bankruptcy 2 years ago XXXX XXXX XXXX are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I tried to buy a puppy online and they wanted XXXX. 
XX/XX/XXXX I paid the second part and realized this was all a fraud. 
I called my bank immediately wells fargo and filed a claim. 
They denied the claim and did not protect my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation