BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: U.S. BANCORP
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My son XXXX XXXX sent 2 XXXX payments of {$500.00}. Each on XXXX, to me. XXXX XXXX. However I never received them. XXXX opened an investigation with USBank to see what happened. US Bank sent him a letter dated XXXX saying his claim was denied because the money was received. However it was not. Upon further investigation we found that he sent it to the wrong phone number. He sent it to a XXXX XXXX at XXXX, instead of XXXX my number. We contacted US Bank and they said they could not do anything about it. We then contacted XXXX XXXX at XXXX and asked if he would return the money as XXXX has XXXX and works at XXXX part time and this was two months wages. XXXX said he went to XXXX XXXX on XXXX and had XXXX XXXX reverse the transaction and take the money out of his accounts. XXXX never received the money back in his account. We contacted US Bank and refiled a claim saying all the above. They said they could not do anything because XXXX XXXX was not their client. We need XXXX XXXX and US Bank to return the money as one of these banks has XXXX money. I have since then been put on XXXX account so I can help him deal with this problem. It honestly does not make sense of why these two banks can not contact each other and resolve this issue.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
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 attached an FTC report with fraudulent unauthorized inquiries

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-03-30
Company: Credit Karma, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I lost my wallet and I have been learning of my credit report and my card ordered from credit karma was lost seeing that it was in my wallet along with my other items such as my XXXX business card given by a fellow member. Im reporting in case of fraud or scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I filed a complaint against Equifax on XX/XX/2016 with the CFPB # XXXX. They and said they needed 30 days to investigate. 30 days is up. No contact from them and no credit report. what do I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

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 2023-04-07
Company: MS SERVICES LLC
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I advised them to contact me via in writing and disputed the debt XX/XX/XXXX. They contacted me again via phone in XXXX and was rude and hung up when I advised them of the violation. This debt was valid in writing at all. The only thing I have received is a bill no validation of the debt at all and they have reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Unfair Practice Pursuant to Section 5 of the FTC Act ( 15 USC 45 ) I recently closed a loan with Loandepot. The closing took place the evening of XX/XX/2020. Included in the closing package was a preliminary settlement statement that included prepaid interest starting on XX/XX/2020, the expected date of funding. I received notice on XX/XX/2020 at XXXX XXXX ( attached ), after close of business, that the loan had funded. The receiving institution posted the three funding wires to my accounts on Monday, XX/XX/2020. 

I requested from Loandepot an updated closing statement that correctly reflected the funding that was posted on XX/XX/XXXX, and a refund of the excess accrued interest on the settlement statement for which I was billed beginning XX/XX/XXXX. Loandepot provided a copy of the funding notice email, already provided on XX/XX/XXXX. I again requested evidence from Loandepot ( see attached email ) that the funding actually occurred on XX/XX/XXXX. That request has been unanswered and had the company provided the necessary evidence to substantiate the claim the funding occurred on XX/XX/XXXX, this complaint would not be filed. Due to the fact that the company can not or will not provide evidence of funding, I can only reasonably conclude that such evidence does not exist. 

In addition, I have ascertained that the receiving financial institution received the three funding wires on XX/XX/XXXX, all after XXXX XXXX  ( wire receipts attached ). This is a full 24 hours after my notification that the loan was funded. In addition, XXXX is after the wire cutoff time for the receiving institution, which is why the funds were not posted to my accounts until Monday, XX/XX/XXXX. I have also attached the payoff statement from the receiving institution indicating a payoff on XX/XX/2020. Since the funds were not available to me until Monday, XX/XX/XXXX, I respectfully request that the accrued interest for those days between XX/XX/XXXX and XX/XX/XXXX be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been using FIFTH THIRD BANKS online banking application to pay the majority of my bills. I schedule recurring payments months, maybe even the whole year at a time. Because my retirement check is automatically deposited on the first day of the month, I generally automatically schedule my recurring payments for the XXXX of the month. My recent XXXX recurring payments were automatically scheduled for the XXXX months ahead of time. 

What I was unaware of is that the XX/XX/XXXX fell on XXXX XXXX. What I was MOST unaware of is that the bank would program their computers to automatically CHANGE the payment day of my XX/XX/XXXX payments BACK THREE DAYS TO XX/XX/XXXX and cause my XX/XX/XXXX payments to bounce and cost me {$140.00} in overdraft fees! 

I was given no notice nor was I asked permission to change my payment date. The bank could just as easily have programmed their computers to move the payment date AHEAD to the next business day after I had scheduled my payment, XX/XX/XXXX. But it chose not to in a perfect example of uncaring greed. 

Of course I called a Bank Service Representative and then talked to a Supervisor certain they would reverse the overdraft fees. They agreed to refund only half the fees, {$74.00}, citing the banks arbitrary policy of refunding only {$74.00} per year in fees, even if the fees are clearly wrong and unjustified. I might add the the banks Supervisor, who name begins with a V and ends in an A, was rude and uncaring. Whats the purpose of talking to a live person if theyre going to robotically cite arbitrary policy? And why wouldnt the local bank manager have the power to evaluate each individual situation for its merits? 

For us, good, solid bank customers, here is our reality : I am terminally ill and bedridden, unable to even leave the house to meet with a new banker. Hopefully, we can find one to visit us at our house. 

In addition, Fifth Third has stolen {$74.00} from me, money I need for my medical costs and prescriptions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 reached out to all 3 credit bureaus and they given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account Name and Account Number XXXX XXXX XXXX DEPTEDXXXX 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 2023-04-07
Company: CrossCountry Mortgage LLC
State: IL
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:
THE FOLLOWING INQUIRIES WAS NOT AUTHORIZED BY ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Tried to dispute to update my address and name online in Equifax.com after sending me a letter online in Equifax.com that it was deleted went I go back the wrong address and names are still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-09-27
Company: EQUIFAX, 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:
There are some accounts that are reporting with redacted account numbers, I don't recognize these accounts, I called the creditors to ask for signed applications so that I could see, I suspect someone stole my identity, the accounts are as follows : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also a long list of inquiries made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized any of those inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
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:
On XX/XX/XXXX, I received a notification that there was a XXXX XXXX account in collections reporting on my credit report. 

On XX/XX/XXXX, I immediately contacted all 3 credit bureaus to dispute the XXXX XXXX account as identity theft and a fraud alert was placed in my credit file. 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating I am not responsible for this account as it was the result of identity theft, and they notified XXXX, XXXX, and TransUnion. 

By XX/XX/XXXX, XXXX  and XXXX had promptly removed any record of that account from my credit reports. 

I received a notification on XX/XX/XXXX that TransUnion is still reporting the fraudulent account on my credit report, hindering me during the underwriting process for my mortgage. I spoke to 5 dispute representatives on XX/XX/XXXX from XXXX to XXXX - each one would not provide any resolution to this matter. XXXX XXXX stated TransUnion was required to remove this collection account once receiving notification, and they had 24 hours to do so. This should have been removed by XX/XX/XXXX, as XXXX and XXXX  had removed them. I now have to send them another round of additional documentation that this account is fraudulent.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) XXXX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from CREDITOR who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX please remove the credit inquiries XXXX XXXX XXXX  XXXX inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove these credit inquiries, they are fraudulent XXXX  XXXX XXXX XXXX Transunion please remove these credit inquiries they are fraudulent XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-20
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I transferred {$370.00} from my Wells Fargo XXXX account to XXXX XXXX ( XXXX ) to purchased concert tickets from an ad on XXXX As soon as the money was transferred he disappeared and there were no tickets transferred to me. Many attempts were tried to contact him but to no avail. The phone # he was using is 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Notice for Proof of Claim Account : -XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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