BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: SC
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For the past two weeks, Ive been depositing {$60.00} into the account. Twice, theyre saying that my accounts been flagged for suspicious activity but its been since the account was made. They tell me to wait it out, but its been two weeks and I want access to my money. I have {$120.00} sitting in the bank. Deposited {$60.00} each ( sept. XXXX and XXXX ). Venmo, the XXXX XXXX XXXX, says they have to follow rules and theres nothing they can do and to wait a few hours after its been weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a 1 time close construction to permeant loan with BBT. I paid BBT the required funds to perform an appraisal on the construction and provided them all the building specifications.

BBT hired an appraiser who failed to act in good faith. Below are the highlights of appraisal 's issues.

1. Filled out the appraisal form with fraudulent information on the house design/features.

2. Actively fabricated information about the neighborhood.

3. Used comps there were ~1 year old instead of recent comps. Appraiser was involved with the loan on the ~1 year old comps.

The above issues and many others were addressed by me in writing to BBT in early XXXX via email. BBT agreed the appraisal was wrong and submitted a halfway filled out appeal form. I called the loan officer a week later to get an update on having the appraisal appealed, and the loan officer told me that will " take a while, but I can request a new appraisal, which will come in lower ''. At that point I was flabbergasted a bank can dictate/predict an appraisal. I escalated my concerns in writing to XXXX XXXX ( head of BBT/Truist ) and XXXX has sat silently on copy while his staff act dishonestly. 

The loan officer has since refused to be productive with my loan. Instead of working to address my concerns and his inappropriate/illegal comment, he has attempted to pressure me into signing off on the appraisal. His boss got on one of the email chains and pretended to answer questions I never asked. 

On XXXX I was emailed by a new person at BBT demanding XXXX statements from my checking/savings account. She required by end of the week ( XXXX ) or else she would delay my XX/XX/XXXX closing. My closing was originally early XXXX. She pulled up my closing with zero communication and intentionally set a goal that would be impossible to meet ( those XXXX statements don't post till after XXXX is over ). 

It has been a month since BBT told me a second appraisal would come in lower on a phone call.

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 2023-04-27
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: WI
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:
I am writing to file a complaint against Equifax, XXXX, and XXXX for not investigating my credit dispute and failing to provide a response within the required time frame as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

On XX/XX/, I submitted a dispute to Equifax, XXXX, and XXXX regarding inaccurate information on my credit report. 

The disputed items were : XXXX. XXXX - XXXX - 15 U.S.C. Section 1666 Correction of billing errors - Update to paid as agreed and remove late payments from the payment history. 

XXXX. XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Update to paid as agreed and remove late payments from payment history. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States That No Late Payments Are To Be Reported To The Financial Credit Bureau During The Time XXXX COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States that no late payments are to be reported to the financial credit bureau during the time of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX XXXX. XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX Validation of Debts- Please delete this account immediately. 

XXXX. XXXX CARD - XXXX - Under XXXX XXXX CODE XXXX Validation of Debts- Please delete this from my credit report immediately. 

XXXX. XXXX CARD - XXXX - Under 15 US CODE 1692g Validation of Debts- Please remove this account from my credit report immediately. 

I provided all necessary documentation and evidence to support my claim. 

Credit reporting agencies must look into disputes within 30 days ( or 45 days if more information is given during the investigation period ) and let the consumer know what the results are. But Equifax, XXXX, and XXXX haven't responded to my dispute or given me any updates on the investigation, even though the deadline for the investigation has passed. I am trying to buy a home as soon as possible, and this is really hindering the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is for a Health Savings Account ( HSA ) with Optum XXXX. On XX/XX/XXXX, at my request, XXXX HSA submitted a Transfer of Assets request ( aka in-service rollover ) to Optum XXXX with instructions to transfer {$7000.00} CASH from Optum to XXXX. The Optum XXXX HSA balance at the time of the request was {$11000.00}. Optum XXXX received the signed instructions from XXXX on XX/XX/XXXX. Optum decided to instead process the request as a closure and proceeded to suspend the account from any further transactions, no claims for medical reimbursements were allowed. I placed a call to Optum on XX/XX/XXXX @ XXXX XXXX and spoke to a customer service representative named XXXX ( case # XXXX ) to inquire about the suspension. Representative advised me they processed the transfer request as a close in error and were looking to reinstate the account and fulfill the original request for transfer. Resolution was to be expected in XXXX business days. On XX/XX/XXXX Optum XXXX closed the account and transferred the full balance of {$11000.00} without my authorization. XXXX has not received the funds. I'm currently still enrolled with my employers HDHP and they have NOT changed the HSA administrator. I called Optum on XX/XX/XXXX @ XXXX XXXX XXXX to inquire on why the account was closed. I spoke to customer service representative XXXX XXXX case # XXXX ) and asked to speak to a supervisor since she was unable to assist or understand why the account was closed. I was instead advised no supervisor was available because they were all in a meeting at the time and I had to call back later or be given a call back. The person advising XXXX of the meeting was named XXXX. I called back to speak to a supervisor on XX/XX/XXXX and was able to get a hold of XXXX XXXX ( case # XXXX ). She was unable to explain the reason for the closure and confirmed that the initial call on XX/XX/XXXX didn't resort in any corrections due to the representative failing to file the needed documentation although she stated she would. Today, XX/XX/XXXX no resolution has been reached and the funds have not been made available to me. XXXX XXXX states it will be resolved in XXXX business days but can't reassure me of it and suggest I call back if not resolved. Also, she was unable to provide me with a mailing tracking number for the check and/or check number. I'm unable to use any of the funds to pay for my family 's medical expenses because Optum shows a XXXX balance nor has XXXX received the funds. If needed I have a copy of the signed Transfer Request form from XXXX showing all instructions of the transfer along with a transaction history from Optum XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reporter XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 usc 1681 section 602 a states I have the right to privacy.

15 usc 1681 section 604 a also states a consumer reporting agency can not furnish your 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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I HAVE REQUESTED INFORMATION TO BE REMOVED/UPDATED WITH ALL 3 CREDIT BUREAUS : XXXX, XXXX, AND TRANSUNION ; AS WELL AS XXXX XXXX XXXXXXXX SPECIFICALLY . I HAVE ALSO REQUESTED TO OPT-OUT OF THE MARKETING LISTS FOR PRE-APPROVED OFFERS. I WOULD ALSO LIKE MY INFORMATION REGARDING HARD INQUIRIES TO BE REMOVED FROM MY REPORT FOR NOT HAVING MY CONSENT.

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 2023-04-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX-I call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.

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 2023-02-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-06-13
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$1500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NY
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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: CA
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 XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Attorney 's XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX conspired submitted a 18 USC 1956, XXXX XXXX Artifice to Wells Fargo Bank and obtained an unlawfully obtaining & seizing {$340000.00} on my home located at XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. My Complaint has been delayed due to a serious of threats of restrains by XXXX XXXX XXXX. The artifice was clearly fraud on it's face but Wells Fargo position upon talking to them was " THE STATE WAS GOING TO TAKE THE MONEY ANYWAY SO THE FACT THAT THEY FORGED A DEED, DID NOT MATTER ''. they conspired to violate 21 848, 18 1344, 18 USC 1961 es.al.The threats got so bad, I had to move to XXXX XXXX last year. The lawyers was trying to force me to sigh the deed. While on the run, i filed a complaint in Federal Court and it was dismissed under the color of Federal Law. it is common practice for XXXX Lawyers to engage in Bank Fraud concerning real property i # XXXX please review it to see what else XXXX does to the XXXX Community. I have alleged that the XXXX State Bar has the 18 USC 1961 influence on the XXXX Justices facilitating the theft of equity equity, proceeds from us because we are XXXX. This is not the only time that a XXXX lawyer stole money from banks using my property home. send them the file so they can see what they caused and the damage they caused. Wells Fargo is complicit in discrimination because we are XXXX. Wells Fargo is complicit in the tragedies plaguing the XXXX community facilitating and fostering the nostalgia of America pre Civil Right Act and pre emancipation proclamation when America was moving on the premises that XXXX people are to work and XXXX are to have the money for our work, complicit in mortgage fraud and the violation of 18 USC 1201 " the recording of purported documents. The rule of Law [ 18 USC 1956 ] & [ 18 USC 1961 ] state that the beneficiary do not have to knew the money was obtained in specific unlawful activity to be liable, Wells Fargo was directly involved and sought leniency or clemency from XXXX XXXX as they rob XXXX XXXX Citizens, that is my firm belief, I have had other runins with Well Fargo Bank including the extra accounts where they moved money around themselves to create the {$35.00} NFS charges. once on those tactics a loaf of bread cost me {$37.00} because Wells Fargo moved my money from my debit card to my savings account. Like Lawyers, Wells Fargo steal your money to see if you can figure out what to do or if you ever argue the theft. They are intentional acts

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