BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello! My name is XXXX XXXX. I purchased a new car in XXXX of 2020. The bank used was Wells Fargo. I seen there was a lawsuit and was wondering if I was owed anything.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in 2011, we tried over and over unsuccessfully to do a loan modification w Wells Fargo. We had a mortgage and a second. Also we had a checking account that they took over XXXX $ out of without our permission. They refused to deal with us in good faith despite our numerous times we tried to get help w our mortgage.

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 2020-12-21
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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed XXXX XXXX - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX status derogatory Unauthorized Inquiries : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear XXXX and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: Consumer Adjustment Company Incorporated
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
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 XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I'm a consumer submitting this complaint without any third party being involved on behalf of myself. Upon checking my consumer report I've noticed several fraudulent accounts, addresses, and hard inquiries being furnished on my consumer report without my written instructions or consent and no lawful authority. Fraudulent accounts : XXXX XXXX {$5300.00} opened ; XXXX XXXX XXXX XXXXXXXX : {$3700.00} opened : XXXX XXXX : {$1400.00} opened : XXXX XXXX XXXX XXXX : opened : XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-02-28
Company: Checkr, Inc
State: WA
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, Checkr, a background reporting company, reported a public record had information that was adverse for my employment with XXXXXXXX XXXX. Some time has passed since then, and I would like them to update my report to the latest report of information so I may be allowed to be employed at XXXXXXXX XXXX. I have been attempting to resolve this for some time now. I currently deliver for XXXX in the mean time, and I have maintained above a XXXX customer approval rating and have been employed by them since late XXXXXXXX XXXX XXXXXXXX. I believe this reflects my ability to be employed by a company similar to their services, XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problem is with NEWREZ LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX They have bought my current mortgage from bankrupt Ditech and are now the servicers of this loan. However, they only carry a mortgage history from XXXX via one department and history from XXXX from another department, so I am having problems getting information about the total balance on my principal. 

My original loan and payments started back in XXXX, so NewRez has no payment history from that date onward. I can not see if they are not crediting me with payments in those missing years, since the principal balance has actually gone up from {$210000.00} to {$290000.00}. I have been asking them over and over why has my balance gone up, and they can not answer or refuse to answer this question. 

Instead, they send me a summary of payments with loan amounts, fees, and other amounts that are either added to my balance or are just listed, I can't tell which. I am unable to speak directly with them, only to Customer Service or Loss Mitigation employees who do not know the reason for the fees or additional principal. 

NewRez has been very good in certain areas with at least trying to answer my questions in the Customer Service area, but they are limited in what they can do or say. They do not know why certain items are on my history and can not tell me if those items are added to my principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: AL
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 IS MY SECOND TIME DISPUTING THIS FRAUDULENT ACCOUNT ALONG WITH THESE INQUIRIES. THESE COMPANIES SHOULD NOT BE ALLOLWED TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THIS IS A VIOLATION OF MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX Chase closed my checking account ( account number is XXXX ) on XX/XX/XXXX and withdrew all my money on XX/XX/XXXX. Chase promised me that I would receive a money check with all my money in 5-7 business days. After one week, they told me that the check should be mailed out. Without receiving anything, on XX/XX/XXXX, I called Chase but they said there might be some investigation going on which hinders their returning my money. As an XXXX XXXXXXXX, I put all my money for my tuition fees and living expenses in my Chase checking account. I currently don't have a job and that was all my money. Now, they told me that they don't guarantee returning my money. And they do not offer further info or help. They simply let this poor little XXXX, living in an alien country without any family, die due to no money. Definitely, my family in XXXX is working class in a small town, and they are not able to send me the tuition fees twice! I feel helpless and don't know how to live in this world.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Idk why they closed my account but I had some funds on my acount that I wanted to cash out but when I try to do it its was declined because now the acccount was negative because they have charged me that I wanted to add money but it was declined. So they charged me and put my account in negative balance! 
And how Im going to put money in my account if they declined the transfer in order to charge me and put more negative balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: CA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, EQUIFAX MORTGAGE SERVI add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a notification from the credit report of an old debt that was created under my name using all my information I have no idea about. The collection was added to my credit report between XX/XX/XXXX, and XX/XX/XXXX, as a new account in collections. The collection agency is EOS CCA. The original creditor was XXXX XXXX. 

I've contacted EOS CCA agency to share more details regarding this debt that I do not owe. I found out this debt was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. I've never received any documents, bills, calls, or anything in relation to this debt. 

I do have XXXX wireless which is a brand new account, I've only been with them for just XXXX months and it is an active account. I've never signed up with XXXX XXXX which is very odd. The family home that we live in, the entire home has XXXX. We have a total of XXXX members in the family and they all confirm that no one ever has a XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I filed a CFPB complaint : XXXX against Carrington Mortgage Services , llc . CFPB received a response to my complaint from Carrington Mortgage on XX/XX/2023. I was never made aware of the XX/XX/2023, Carrington Response to CFPB until XX/XX/2023, delivered to me by XXXX with tracking. 

Please be advised that CFPB has redefined Complaint : XXXX as follows ; Alias, Complaint ID : XXXX. Apparently, CFPB has made an assumtion that Carrington served a timely copy at the same time of their receipt and immediately closed my case. Yet, as stated in paragraph one, I never received a copy until 3 months later. Otherwise, it would be unlikely that I would have to be filinig this third complaint against Carrington Mortgage. 

In this case I am charging Carrington Mortgage with a 'Criminal Act of Extortion ' in wrongfull solicitation of {$200.00} from money from me by telephone.the solitci. The first two pages in their response is as follow ; " We assumed that you were lapsed on your homeowners insurance therefore we paid our insurance company to take over as your new homeowners insurance company. Initially having received a letter from this company I called and spoke with one of their employees. I informed her that my homeowners insurance was paid up to date and had sent them receipts. She told me that we have no record of your payment. She went on further to say that if I did not authorize a payment of {$200.00} to Carrington Mortgage that they would move to process the entire loan amount on my property due. With doubt that they actually paid {$200.00} to an insurance company without giving me notice, I surrendered my checking account number to her over the phone. The company now admits in their response that they were wrong to have asked me for this payment. So what is legal argument does Carrington have to not return my money by check? They sent me a letter stating that they had already paid an insurance company on my behalf. I'm not buyiing that as the truth and if unchallenged they are making a lot of money from this homeowners insurance scam. Furthermore, if I don't receive a check from Carrington Mortgage in the amount of {$200.00}, I will take legal action against them as evidenced by this case # XXXX and file a new case against Carrington Mortgage with CFPB. 

I strongly urge CFPB to advise Carrington Mortgage to send a check payable to XXXX XXXX XXXX, XXXX, in the amount of {$200.00}, before or by close of this now third complaint. If my request is not resolved by this informal request, I will refer it to the next higher level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Issues with the accounts below ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I noticed my debt amounts increasing alot within months. I just realized I had this debt back in XXXX, I sent in a debt verification letter to get all the information of this debt and to see if it's mine and the reporting is accurate. The interest rates must be skyrocket and I had no idea about this debt until recently. I sent in a debt verification letter and have not heard back from them it's been almost 60 days total!

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 spoke to all 3 credit bureaus on the phone back in XXXX to ask them procedures for fraudulent items on my credit reports. They all told me to submit a dispute letter, statement, IdentityTheft.gov report, ID, social security card, and a utility bill proving my identity and address which I did back in XXXX. XXXX and XXXX removed these fraudulent items but TRANSUNION has not responded or removed them. Please 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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am not liable for this XXXX XXXX Account. 

Attached is FTC 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 2023-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I agreed to move {$25000.00} into Huntington bank and keep it there for 90 days and as a perk I was to receive {$600.00}. When opening the account I put the money in a XXXX XXXX account and then when I'm checking on the funds they said it had to be in checking so I moved it over to checking. Now they are saying that that is Not new funds when I've done everything I was told to do. Yes I verified with a branch manager and a supervisor in the customer service department that I have indeed met the requirements. Checking on this for 2 weeks now and I have been ouldtold everything is OK. They're saying that the {$25000.00} that is in checking was a transfer within their bank and does not count. I have followed everything that they have told me to do and have confirmed twice that I have met the requirements with their bank personnel. I know that they have phone recordings when I've spoken to a supervisor and they have told me that I have met the requirements and I just need to wait for it to be deposited. I would imagine that you could request a copy of the phone records.

Company response to consumer: Closed with monetary relief