BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, we received a notification that our bank password had been changed. Simultaneously, my wife 's phone stopped working. Someone had hacked her phone. She immediately called Wells Fargo from my phone, and got a new password on our account. When I logged in, I showed that someone from XXXX Fl. had tried to take {$1000.00}, but the bank rejectedthe transaction. Thebank started a claim ( number XXXX ). A few minutes later I logged back into our account to discover another failed attempt to take a {$1000.00} followed by a successful attempt originating again from XXXX Fl. My wife called again and received a second claim ( number XXXX ). They didn't have an answer as to why they were able to get money after we had called the first time. A little while later I logged into our account again to discover another {$1000.00} released to the same location by the bank. I called again, but they didn't have any answers. After the bank sent us a couple of letters, one of which told us this was all our fault, my wife called a fourth time on XXXX. She received a third claim ( number XXXX ). A similar attack on our account had been made in XXXX, but since then, no new information ( passwords, account numbers, etc. ) had been added to her phone. The bank told us the culprit used an authorization issued by the bank. The bank authorized them to take our money, we didn't. We've never been anywhere near Florida.

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 2021-04-02
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: Account status incorrect

Complaint:
Equifax and XX/XX/XXXX are reporting incorrectly a collection/chargeoff in the amount of {$16000.00} on the XX/XX/XXXXpartial account number XXXX. ( Please see page attached from my credit report. ) This account balance is incorrect. I had GAP insurance at the time and the liability insurance paid off any remaining balance due. ( Please see verification of GAP insurance documents attached for reference. ) This account should be reporting a {$0.00} balance and not be reporting as a collection/chargeoff. I have made numerous calls and inquiries to XXXX XXXX to send me an accurate accounting to date. Each representative I have spoken with assured me they would send me my account history and any current information they have on file. They have never reached out to me either by telephone ; email or written correspondence to date. I have contacted the bureaus as well to fix this incorrect reporting however, I have not been successful. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX I received an email refund confirmation from XXXX for a {$10.00} item credit transaction to be posted to my within 10 business days. The original purchase was made on XXXX on XX/XX/21 using my BOA debit card. I had closed my BOA checking account prior to the credit posting and Bank of America cant locate where my credit went. XXXX confirmed that the credit was not returned to them by Bank of America and that the transaction could not be returned by Bank of America. I believe its in a held account with Bank of America since I had closed my account. BOA would not open a Regulation E claim for the missing deposit on the closed account. They kept telling me they couldnt help me because my account was closed and transferred me multiple times to different departments.

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 2023-06-10
Company: U.S. BANCORP
State: GA
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 am a victim of Identity Theft. The credit card company is called us bank. On my credit report it said it opened date open XX/XX/2022 credit limit XXXX. I reported it as 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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated 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 2022-04-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So XX/XX/2019 i had {$2000.00} bank wire deposit to my account and the bank spent XXXX of that money on fees like returned itiem fee and paid 2 debit card pos then they refused to let me take the money out and said they were sending the money back. So a month ago I dispute the account being locked and asked for the money that has been sitting there for almost 3 years and they said no its going back. So if the XXXX was no good why did they spend part of the money and why was it sitting for three years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from 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 explanation
Consumer complaint received 2023-10-02
Company: CrossCountry Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
XX/XX/XXXX I attempted to complete the online application process for a HELOC on a property I owned prior to marriage. I am the only person on the deed and the only person on any loan related to this property. Cross Country customer service conferred with their management that my spouse must provide consent for me to obtain this loan. When requested, Cross Country was not able to provide any statute that requires spousal consent in Virginia -- -as Virginia is not a Homestead or Community Property state. And in fact, the spousal consent would not allow Cross Country rights to judgement on the property in the event of my death : 55.1-202. Spouse not responsible for other spouse 's contracts, etc. ; mutual liability for necessaries ; exception ; responsibility of personal representative. 
Except as otherwise provided in this section, a spouse shall not be responsible for the other spouse 's contract or tort liability to a third party, whether such liability arose before or after the marriage. The doctrine of necessaries as it existed at common law shall apply equally to both spouses, except where they are permanently living separate and apart, but shall in no event create any liability between such spouses as to each other. For the purposes of this section, liability shall not be imposed upon one spouse for health care furnished to the patient spouse who predeceases the nonpatient spouse. No lien arising out of a judgment under this section shall attach to the judgment debtors ' principal residence held by them as tenants by the entirety or that was held by them as tenants by the entirety prior to the death of either spouse where the tenancy terminated as a result of the death of either spouse. 

Code 1919, 5134 ; 1932, p. 22 ; Code 1950, 55-37 ; 1984, c. 504 ; 1985, c. 202 ; 2012, c. 45 ; 2019, c. 712 ; 2023, c. 798.

In my situation, there is no reason to obtain my spouse 's permission to borrow equity in my sole ownership property, and requiring my spouse 's permission violates Regulation B/ECOA/FHAct : Paragraph 6 ( b ) ( 8 ).

1. Prohibited basis - marital status. A creditor may consider the marital status of an applicant or joint applicant for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit. For example, in a secured transaction involving real property, a creditor could take into account whether state law gives the applicant 's spouse an interest in the property being offered as collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In the beginning of XXXX, 2020 a mortgage company ran a background check on me and lexisnexis sent back a report claiming that I have 4 foreclosure. I don't have any foreclosures. I don't even have a mortgage on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This issue has been going on since XX/XX/2023. All of the credit bureaus and XXXX are doing illegal things. Per 15 usc 1681 b as a consumer, If i did not give any company or bureau permission to furnish any of my information then it must be removed. The information thats reporting is false as well. I will give you all 30 more days to reinvestigate these matters correctly so that the issue can be resolved once and for all or else I would have to seek legal action pronto!

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 2023-03-29
Company: Experian Information Solutions Inc.
State: MO
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:
The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

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 2020-11-09
Company: Credit Bureau of York, Inc.
State: NC
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:
We accepted a request by XXXX XXXX XXXX XXXX XXXX to explore food delivery. During the sales presentation in our home, we were told that the food is grown ORGANIC. Due to health concerns in our home, we were specifically only looking for ORGANIC growers. The sales representative assured us it was organic. 

When we found out through research that it was NOT organic, we met with a representative of the company who explained that the food was raised " free-range '' and " top restaurant quality, '' however the second representative ( a manager ) confirmed our fear that the company does not sell organic food. 

We asked to be released from the contract, and that the provider could pick up the food and a freezer it was stored in at their convenience. We were advised that they could not take back food, but they declined to release us from the contract. 

We placed no further orders, and have left their food and equipment untouched in our garage for their pickup. 

The next time we heard about this is when XXXXXXXX XXXX XXXXXXXX XXXX XXXX passed our account to a collection agency ( CBY Systems Inc. ) which immediately reported it to all three credit bureaus without any efforts to address the wrong. XXXX XXXX XXXX XXXX XXXX and CBY Systems apparently intend to inconvenience and shame customers into payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2022-04-16
Company: CCS Financial Services, Inc.
State: WA
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:
Good Evening,, I had XXXX XXXX first but then they raise the price for insurance, so I went with another company. and I told them I wan na cancel it and they never did, before I cancel XXXX XXXX I got a new one, After 6 month they send me a bill that I own them money for insurance and I told I will not pay because I have all ready new insurance and I send them proof that I had all ready new insurance, so they put me on collection, and then I contacted to my agent and he resolved the problem, but it was not removed from my credit history

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
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:
The inquiry is not mine, and I have no association with the creditors mentioned. Please remove it promptly from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2022-04-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Person claimed to have sent me funds but I had to send a deposit since XXXX had my funds on hold. I sent 2 payment but never received any payments for the xbox series x I am selling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My report is showing XXXX XXXX  credit card account as closed, when this account is still open. I spoke directly to XXXX XXXX XXXX today, XX/XX/20 and they confirmed the account is still open and they are reporting it as such. This goes to show how much Equifax reports inaccurate things on consumer credit reports and this should be illegal to update ones file without first verification and/or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I RECEIVED MY XXXX STATEMENT FROM CAPITAL ONE ON MY SAVOR CARD, IT SHOWS A BALANCE OF XXXX DUE ON XX/XX/23. I CALLED AND SPOKE WITH CAPITAL ONE REPRESENTATIVE AND HE STATED THE CURRENT CARD STATEMENT SENT TO THE CREDIT BUREAUS IS AT A ZERO BALANCE, I SHARED THE INFORMATION REPORTED TO BOTH XXXX AND XXXX WHICH STATED A BALANCE OF {$260.00}. THAT BALANCE SHOULDNT BE REPORTED BECAUSE THAT WILL BE FOR XXXX. XXXXDROPPED MY SCORE XXXX AND XXXX DROPPED MY SCORE BY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
citizens bank said they were going to deposit my bonus by XX/XX/23 but it did not show in my account nor was it pending and i am not the first they have not given the promised bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-02-08
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
fraudulent contract I have a different copy than the one this company has they also repossessed my car and never sent me a letter about the debt within 5 days as required by law they have now hit my credit with 42 months of negative charge off

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 2020-11-09
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have provided XX/XX/XXXXwith all required documents, ( FTC Identity Theft Report, Police Report, and Proof of Identity ), the company continues to report this information to Credit Reporting Agencies. This has impacted my ability to receive appropriate credit ratings and has tarnished my reputation as a consumer.

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