BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020, I applied to Sun Trust to refinance my mortgage of about XXXX. Up front I paid a fee of XXXX for a home appraisal, which they had told me up front was not needed but send the money NOW. I did. We are going now on NINE MONTHS and still they are asking for documents I sent back in XXXX LAST year. They do not answer my phone calls! I am no where near closing. I have to go with a new company and they want to appraised my house again. Mind you it has been appraised two times with value of XXXX. I want that XXXX back! I have to get another appraisal with my new company. They never did anything about moving this along. Thank You.

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 2022-10-17
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 discovered that some of the information and inquiries on my credit report were incorrect when I reviewed it. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Here is the list of unknown items that must be deleted : XXXX, XXXX, XXXX *XXXX XXXX XXXX Date Updated : XX/XX/XXXX *XXXX XXXXXXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXXXX/XX/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 2023-02-15
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer from my savings account at Wells Fargo through online banking on XX/XX/2021 in the amount of {$5000.00} to a title company to assist my daughter with funds to close on her mortgage loan. Wells Fargo also charged me a {$30.00} wire transfer fee. The wire transfer was never received by the recipient bank. Wells Fargo has not contacted me at all to say if there was a problem or if they needed more information. Wells Fargo is just holding my funds. I have spent many hours on the phone with customer service, online customer service, online claims, the wire transfer department, customer advocacy and even went into a bank branch. I have sent several emails to various departments that I thought might be able to help. I have been informed that Wells Fargo is holding my money but none have been able to resolve this problem or have the funds either sent to the intended recipient or returned to my account.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only XXXX has deleted the account... ..transunion and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amount reporting transunion is reporting {$1400.00} and XXXX  is reporting {$0.00} ... both cant be accurate and therefore they are violating my consumer rights

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 2021-05-19
Company: EQUIFAX, INC.
State: MD
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:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX -- -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX XXXX : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have reached out to Santander Bank multiple times to help me validate if a transaction in genuine or not. Santander Bank refused to help and I am a victim of a scam. If was information that they could easily track but refused to do so. This caused me to be victim of a XXXX scam.

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 2022-07-11
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:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' Equifax, XXXX XXXX XXXX are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, I do not live at this address and i do not have a business at this address. According to the fair credit act 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, 15 U.S. Code 6802 ( b ) ( 1 ) In general-A financial institution may not disclose nonpublic personal information to a nonaffiliated third party Also15 U.S. Code 6802 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never received any notification saying that my information would be shared and who verified it? 

These are clear violations of my federally protected consumer rights.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
when my identification, and personal papers ( medical ) were stolen from my car ( i accidentally left my bag visible ) while at a hotel, a couple months later i started seeing accounts show up like collections, ( i was contacted but when they couldn't verify my information, i heard nothing else form them but they still ended up on my credit report ), as well as accounts for motor bikes and loans i never applied for.

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 2021-05-14
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
LVNVFunding LLC. XXXX the supposed debt owner ), XXXX XXXX XXXX XXXX, SC XXXX ( as reported by XXXX  XXXX has failed to comply with FCRA law. I originally disputed a debt with them XX/XX/21 sent USPS certified mail. They had 30 days in order to respond, instead, I received a response letter dated XX/XX/21 stating Resurgent Capital Services L.P was their account manager, no requested information provided. They stated that I had 30 days to respond to that letter instead of providing the account information under FCRA that I requested. I did not receive the requested information until XXXX XXXX from Resurgent their deadline was XX/XX/21 ( 30 days XXXX from my initial request to LVNV. They can not re-age the date of my request because the interworkings between LVNV and Resurgent are not consistent and lacking. Furthermore, Resurgent did not provide all documents requested. They did not provide a copy of the contract or document evidencing my agreement to any debt which I did request XX/XX/21, please reference the letter instead they mentioned in their letter dated XX/XX/21 that 'I may ' request a copy which I already did. They are playing games with consumers in an unprofessional manner. 

On top of this, I have sent certified letters to XXXX and XXXX  with this complaint along with copies of letters sent to LVNV and Resurgent and they also have failed to act under FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/23 unauthorized charge of XXXX from XXXX XX/XX/23 I called BanXXXX of America and reported fraud. 
XX/XX/23 Bank of America credited my account the amount for fraud dispute. 
XX/XX/23 the dated letter from B of A reversed the credit and added charges to my account. 
The letter stated " The merchant provided documentation confirming you received the merchandise or service ''. The merchandise was mailed to XXXX, Wa and I live in California XX/XX/23 I went in person to B of A branch and spoke to a representative who connected me to the fraud department via phone. I was informed they would look into it. 
XX/XX/23 I called B of A to check on the status of the fraud and was informed that they have not resolved the problem.

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 2021-05-19
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: Account status incorrect

Complaint:
I have contacted XXXX and Equifax on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for XXXX ( XXXX ) - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/2022 I call chase for balance transfer. I give all the information regarding 3 accounts that I want paid. Representative and I stayed on phone for almost an hour with her and she took all the information. She claimed only the XXXX 's account could be paid digitally and that she had to send paper checks for XXXX XXXX and XXXX XXXX. She stated that it would take up to 21 days to be processed. Now 37 days later my accounts still aren't paid. My credit report has 2 late payment hits, I owe late fees and the actual Manager from Chase XXXX XXXX tells me it's my problem and for whatever reason, those were her exact words, THAT FOR WHATEVER REASON PAYMENTS DIDN'T GO THROUGH IT'S MY PROBLEM AND THAT THEY HAVE NO RECORDS OF ME REQUESTING THOSE PAYMENTS. But they paid 1 just not the other 2. Now she stated earlier in the conversation that they normally send a letter if the payment gets declined but my payment just wasn't processed so they can't do anything for that. So pretty much I put my trust in a large financial corporation like Chase and it's entities but I have zero guarantee as a customer to be protected or cared for because it's my problem. XXXX or something to that extent was her name. She hung up on my face because I was a little frustrated with the conversation as it was going but the best she could do was just hang up on my face. 
Now I have 2 accounts that I have to figure all out again because I can't trust calling back and getting a representative that actually cares, 2 late payment hits to my account, late fees, a credit card that now I regret opening but I can't close because I'll furthermore damage my credit and im super unhappy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have contacted XXXX and XXXX on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for CBNA ( Citibank ) - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.

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 2020-04-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2018 I received a {$50.00} Bill Pay offer from BBVA. The terms specify that I must make XXXX qualifying transactions ( at least {$10.00} to a party other than oneself ) from the same Bill Pay account before XX/XX/2018. I made payments to XXXX/XXXX/XXXX XXXX  XXXX all on XX/XX/2018 but never received my {$50.00} bonus. I have contacted BBVA numerous times regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I received a letter of deletion and the closed account is stills remain on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: 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 30 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 the 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 2023-11-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: NJ
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/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