BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-29
Company: EQUIFAX, INC.
State: PA
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:
I have contacted the credit bureaus and XXXX  regarding the incorrect information on my credit report. Even after submitting multiple disputes to both organizations, I have not received any communication, and it seems that a comprehensive investigation has not taken place. If inaccuracies continue to appear on my credit report, it is impossible to guarantee that the reported information meets the FCRA 's stringent accuracy standards. The failure to act constitutes a clear violation of law intended to safeguard consumers such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2023. Chase XXXX Branch. In the morning I wanted to create a new checking account for College. I went to created an account with the Banker ( XXXX ). As we were creating the account she asked me how much money we wanted to deposit, and we said XXXX . So we finished making our account, and the manager ( XXXX ) there offered to help us since we were both XXXX, and my parents had trouble speaking English. As we put our money in, she recommended to split into 2 account at the ATM, and yet {$300.00} spit back out. Confused we put in back in, and it was done. After we realized the amount was not enough, and so we contacted the manager of the branch. She also claims there was more money than XXXX , and told us she will create a claim. She created a claim for XXXX $ which included the checks, but it got denied. She told us that the issue was they included the checks so she submitted another claim for {$1000.00}, which also failed. So Im complaining about the missing money that was supposed to be in my savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I opened an account with a Truist bank! I started the checking account due to me having an part time job. I lost my wallet with over half of my identity in it. Down to my social my state ID, there were some Passwords in my wallet too but none of them were to get into my account but my email and the emails Password was there. I see mobile deposits on XX/XX/XXXX for {$150000.00} and some transactions taking in XXXX XXXX. I do not live there or have any ties related to the place. My XXXX XXXX card was also in my wallet and i see two money transfers to my account! Which i havent used! I dont know the XXXX XXXX that it was sent to from my XXXX XXXX  either. and im assuming someone took all the money off of the truist card Im unaware of these transactions and would like to file this compliant thanks!

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 2021-04-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I was trying to stop my forbearance program, and apply loan modification with my current lender Wells Fargo mortgage. But my lender didnt process my request for 2 months. Im very sad and desperate to get ignored because of Im a XXXX woman, with a weird XXXX name, and a poor English speaker. 

I contact them for more than 10 times, at the end, Wells Fargo mortgage asked the tricky questions and rejected my loan modification request. Im a single mother, I only get paid child support {$440.00} from childrens father every month. Im working two jobs to take care of my family and to save my house. 

Wells Fargo mortgage didnt support me, but bully me by delaying process my application, then reject my loan modification request. 

I feel that I didnt get treat fairly. Hope CFPB can help me to process my loan modification application. Thank you for reviewing my feedback.

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 2023-11-29
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
The company ( MyLoan Care ) has been hacked for a week now. There has not been any sort of communication to any members about such issue and that our sensitive information has been compromised. We could have hold off our ACH payment to lessen the issue until they got the issue resolved. 

I have been approved for a repayment plan and will just need to sign and mail the agreement page. However, I tried to call twice this morning and I got on a call with a member to verify if there are any other documents I need to submit and what is the mailing address since the instructions mentioned envelop enclosed but there is nothing there. 

They also only took out my payment today when it should have been taken out XX/XX/XXXX. However, now that I found out that they have been hacked I am so worried that my bank information has been compromised and SSN. 

I have mentioned to the member service that my inquiry might be time sensitive and if there's going to be any grace preriod provided by them since this is not our fault. They don't have any answer except they don't have information right now. According to her, she will be escalating my call or inquiry to her supervisor. They don't know when the website will be available again. 

I want to make sure I will be mailing my documents to the right address and submitting all documents needed so I don't go to into foreclosure.

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 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Bank USA added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Capital One reported the following delinquencies to all 3 of the credit reporting agencies : 30 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One also reported a 60 day delinquency on XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my XXXX XXXX and myself conference called Capital One. My wife requested Capital One to revoke my signing authority and I requested them to correct my credit reports. Capitol One said the credit history reported on my credit file would stay the same. I then asked them to provide me with a copy of a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked Capital One to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am self employed and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing a dispute with XXXX, XXXX and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found on my credit report, and I would like to bring to your attention that these items are in violation of the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. I have noticed the following inaccuracies and unauthorized credit inquiries that need to be removed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX The information reported on this account may be incorrect, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXXK XXXX  XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you remove these negative items and unauthorized credit inquiries from my credit report, in accordance with the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. Additionally, I would like to receive a written explanation of the steps taken to correct these inaccuracies and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I purchased 4 {$100.00} XXXX gift cards. After purchased once opened the four cards did not have a 3 digit code on back of cards. These cards where a miss print according to XXXX and can not be used. The original store XXXX will not issue refunds and XXXX is not allowing purchase if not registered. Without the 3 digit code you can not register. I have submitted all requested documentation to XXXX XXXXXXXX XXXX on XXXX XXXX XXXX. Each time I call XXXX they have not corrected this issue and the customer service agent is not allowed to transfer to other departments and no supervisor is never on shift. I'm currently out of {$400.00}. I have the fax confirmation including the XXXX case number that XXXX acknowledged the problem. These cards where purchased using my personal XXXX bank card.

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 2022-12-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, at XXXX XXXX XXXXXXXX, I made a transaction for a money transfer to my XXXX  in XXXX XXXX ( XXXX XXXX ). The transaction time in XXXX XXXX was very XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was expecting my son to pick up the money the next day. However, my XXXX XXXX XXXX  and I could not make it. It is only on XX/XX/2022, that my son went to a MoneyGram agency located in the XXXX XXXX neighborhood. 
The agent told him that the ID he had was not valid. He came the next day on XX/XX/2022, with his passport this time. But the process was again denied. My son was told that the passport was about to expire in XXXX months, and the passport was not used to travel elsewhere. Therefore, the transaction was not pursued. Consequently, my son called me to change the receiver 's name and put his brother 's name. 
I went to MoneyGram 's XXXX to change the name. I was surprised to read that the transaction was successfully made. I was worried because I did not receive a text message informing me of the completion of the transfer. 

I called MoneyGram to check the status of the transaction. MoneyGram confirmed that the transfer was made on XX/XX/XXXX, XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
When I contacted the company, the company agent filed a complaint on my behalf without telling me that it will take time. After several calls. I decided to XXXX  your assistance to get my money back. 
The complaint case number provided by the company is XXXX The transfer amount is {$500.00} USD plus a transfer fee of {$9.00} USD The reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I scheduled a payment with Myloancare on XX/XX/XXXX. It showed my payment has submitted but hasnt been deducted from my bank account yet. I just want to make sure it goes through so it wont hurt my credit or our home.

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 2023-11-27
Company: EQUIFAX, INC.
State: TX
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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, 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 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. 

Also I will like to state that I did not open or apply for these accounts. I have reached out to these companies to take these accounts off my credit reports. I never used my SSN to apply for these accounts

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 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). XXXX, Transunion, and XXXX then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). XXXX, Transunion, and XXXX  all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

XXXX, Transunion, and XXXX  are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

XXXX, Transunion, and XXXX were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in violation : 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 explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation